Payday Loans For Bad Credit!

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FAQ

What are payday loans or cash advance?

Payday loans are unsecured short term loans you can apply for when you have urgent bills to deal with or when you want to avoid late payment penalties or bounced checks. Cash advance is the money you get with the same intention as payday loans. What these do is that they boost your financial situation for a short time and you pay on your next payday. Normally you write a post dated check and give to the lender. The check amount also includes the fee charged. If for some reason you fail to come and pay the loan, then the lender can cash in the check.

How do I qualify for payday loans?

For you to qualify for a payday loan, you need to be above eighteen years and a US citizen. You also need to have constant job earning at least $ 1000 per month. You are supposed to have a checking account or a savings account with direct deposits. Since there are special loan arrangements for the army officers, you do not qualify for pay day loans if you are active in the military.

Can bad credit bar me from getting pay day loans?

No. Even if you have a bad credit, you can still apply for a payday loan and get cash advance to deal with your urgent bills. You only need to provide the required information like your personal details and account details.

Am I charged application fee?

Applying for cash advance is done free of charge. The only fee involved is the one for the loan and not for applying

What are payday loans rates?

Payday loans rates vary from lender to lender or from state to state. However, the rates are not so erratic and they fall within a range that is widely accepted as industry standards. The rates range from 15 to 18% plus interest rates. Some lenders may have different rate cards and so it is advisable to ask for the rate cards and understand them well to avoid hidden costs.

Are all the online lenders legitimate?

It is easy and possible to get an online loan from a lender who operates an online lending business. However, easy as it is, one should be very cautious when dealing with lenders from the Internet since there are many others who fake identities to dupe unsuspecting customers. All kinds of lenders must register with the financial authorities. You should make sure that you have all details to prove that you are dealing with a legitimate lender before proceeding with the deal.

How long does it take to get personal cash advance approved?

Ideally it takes one day to get your cash loan approved. But if you apply for a cash loan in the evening, there is a high possibility that you will get it in the morning of the next day. The idea here is to make sure that you fix your bad credit or deal with the bills that need urgent attention before further damage is done.