Need Money Fast - Everyone Qualifies For Fast Cash Loan
Is your car broken down and in need of repairs? Washing machine made its last trip through the rinse cycle and needs to be replaced immediately? Forget to pay your cell phone bill and now you are facing disconnection? Life's emergencies call for fast cash.
If you have bad credit but you need cash fast, you may want to look into a fast cash loan. A fast cash loan (sometimes called a payday loan or payday advance) is a short-term loan that can help you make "ends meet" until your next payday.
No Credit Check Required
The fast cash loan process is simple. The only requirement is that you have steady income and a checking account with a positive balance. The best feature of this loan is that there is no credit check. Virtually everyone can be approved for a payday loan regardless of past credit blunders. That makes getting the cash you need now a simple and convenient solution that will help you avoid the embarrassment and hassle of bouncing cold checks.
Easy Application, Fast Approval
To apply for a cash advance loan, you will first fill out an application. You will be asked general contact information and employment information. You will need to present copies of your picture identification and recent paystubs. Some processors will ask for two to three personal references that they can contact in the event that you default on your loan. You will also need your last bank statement, as well as a blank check.
You will write a post-dated check in the amount of the fast cash loan and a modest interest charge to cover servicing the loan. The processor will hold the check for an agreed upon period of time, usually not exceeding one month. The loan processor will give you either cash or a check for the amount of your loan; in some cases, the funds will be electronically delivered into your checking account.
Discount for Pre-Payment
When the loan becomes due, you will either come back to pick up your post-dated check, or the lender will deposit it into your checking account to receive payment. Some lenders offer a discount on the interest that you pay if you pick the check up early.
Online Lenders Offer Savings and Convenience
The most convenient way to receive a fast cash loan is to apply online via the Internet. There are many excellent lenders online who not only offer the speed of an electronic application and electronically signed documentation - they sometimes offer less interest than a traditional walk-in payday loan store. You may be required to fax or email a scanned copy of certain items, such as your driver's license or state issued identification card. Online fast cash loans are typically deposited into your checking account almost immediately, and the approval process is nearly instantaneous.
The advantage of taking out a fast cash loan over other traditional loans is that you will almost certainly borrow only as much as you can afford to pay back on your next payday. This means that your payment is much easier to manage, and you do not have to make a long-term commitment to the lender to take full advantage of the fast cash loan. Further, bad credit borrowers do not risk being turned down because of damaged credit, and can therefore depend on the fast cash loan to be there when they need cash fast.
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