Getting the Most Out of Your Personal Cash Advance
Life doesn’t always wait for you to be ready for emergencies. Ideally, you would have saved enough money to cover any of those nasty little surprises that can ruin your week. But when immediate financial needs arise, with a deadline just a few days before your paycheck, a personal cash advance can be a hassle-free solution to the problem. Such a cash advance, or pay-day loan, is a short term, unsecured loan.
There are times when payments are due before you have available cash. The penalties for missing some deadlines can be stiff. Consider this scenario: You make an error in addition and realize that you have a $10 check that is going to bounce. You can’t do anything about it. First your balance becomes negative, and the bank takes an additional $30 out of your account. This causes another check to bounce too, and another $30 fee to be imposed. You are now $60 in the hole, and each of the businesses who now hold your bad checks are going to charge you $25. Suddenly, you have $110 in debt over a $10 error. But what if you could have $100 transferred to your bank in time to stop that first check from bouncing? With a same day cash advance this is possible. Even though the loan might cost you $30, this is much less than those piggyback penalties from the bank.
Perhaps your car breaks down, and if you can’t make it to work you will lose your job. If only you could get $300 to fix the car before your next pay check, you would be able to protect your employment. A personal cash advance may be a valid way to ensure that you don’t lose all your income.
Almost anyone can secure this type of loan. Even those who have a bad credit rating can be approved for a pay-day loan. At CashAdvance.com the application can be made completely on-line. Your request will be paired with a lender who is willing to provide the fast cash advance. The money will be transferred to your bank account. You must be over 18, and have a secure job with a minimum income of $1000 a month.
Filling out the application is simple. Your information will be presented to potential lenders, and your loan may be approved in just minutes! Money can be transferred electronically to your bank, and the repayment made in the same way when you receive your next pay check. The loan period is generally two weeks.
CashAdvance.com guarantees that your privacy will be protected. They will never send unwanted e-mails or spam. There are no annoying pop-ups on the web site. Returning customers can be given expedited service.
Reasons to use a personal cash advance:
- An immediate need for a small amount of cash to prevent compounding penalties
- A medical emergency
- A travel emergency
- To repair a vehicle you must have in order to keep your job
Important things to remember:
- The interest on pay day cash advances is steep, usually 10-30%
- The loan and interest will be taken from your next pay check
- If you can not make the payback there will be increased fees
It is important to keep in mind that this type of loan should never be used as a long-term solution instead of good financial decision-making. The Annual Percentage Rate on an internet cash advance is usually over 300%, so getting trapped in refinancing this type of loan over and over is a fast way to complete disaster. Fees are considered part of the interest rate.
Personal cash advance loans are regulated by state laws, so it is good to know the state in which your lender operates, and check on the laws there. Some states forbid an APR above some particular rate. If your lender comes from an unregulated state, you have no protection.
If you are aware of the consequences of missing the payment date on a cash advance loan, and are comfortable with the interest and fees, then the occasional use of these services may be a solution to your needs.
Since 1997, CashAdvance.com has been the most established and trusted name in the cash advance industry, connecting over a million consumers with payday loans from its vast network of reliable lenders.
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Consumer Notice: A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our State Consumer Resource pages to learn more about the risks involved with cash advances, local laws and regulations governing cash advances, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling.
Legal Disclaimer: This website does not constitute an offer or solicitation to lend. CashAdvance.com is not a lender and does not make loan or credit decisions. CashAdvance.com provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. CashAdvance.com's aim is to inform users of the best lenders who will be able to satisfy the needs of every particular consumer. CashAdvance.com does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use CashAdvance.com's service to initiate contact, nor apply for credit or any loan product with any service provider or lender. CashAdvance.com does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use CashAdvance.com's service. Learn more about Rates & Fees.
Availability: This service is not available in all states. Please consult our state-specific pages for a discussion of availability in your particular state, as well as the rules and regulations concerning payday loans in your state. The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of Nevada, regardless of where you may be accessing this site.