A cash advance is a short-term loan that is sanctioned for a period of 2-4 weeks. These loans are meant to take care of temporary cash problems that might arise in between paydays. If you too are facing problems in handling your expenses in between paydays then just apply for a payday loan to take immediate care of your cash crunch.
Application Procedure
Applying for a payday advance is extremely simple. All you need to do is locate a reliable fast cash loan lender and request for an application form. You can either visit your nearest payday loan centre or apply online. Applying online is the easier option of the two as you are guaranteed complete privacy with it. Besides you don't have to stand in long queues outside banks as the entire procedure for applying for a cash advance can be completed from your home or office.
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Once you locate a lender, remember to ask him all that you need to know about the terms and conditions put up by him. Understand the repayment terms and the interest rates. The interest rates vary largely from lender to lender. So it would be best if you can compare the rates offered by a few lenders before you finalize one.
Besides the above, make sure that you do not pick an extremely cheap service as you never know the problems that you might have to face due to them. The safest bet would be to stick to a reliable and a reputable payday loan lender to do the needful.
Eligibility Criteria
In order to be eligible for cash advance loans you must make sure that you fulfil the entire eligibility criteria of the lender. Here is what you must know about the requisites that must be in place before you apply for the amount:As a borrower you would need to be at least 18 years of age.
You should be a citizen of the US and should belong to the state that you apply from.
You need to have a regular monthly income that pays you at least $1500 per month.
A proof of residence stating that you have been a resident of the same house for the past 6 months is also a requisite.
You would need to have a valid checking account so that the lender can transfer the loan amount directly into it.
A post-dated check of the loan amount plus the interest charges would have to be given to the lender on approval of the loan.
If you feel that you meet all the requirements mentioned above then your cash advance amount would be approved. In case your loan is rejected, you can always try and apply with another lender.
A Word Of Advice
A payday loan is an unsecured loan and thus has a huge interest rate attached to it. Take the loan only if you are sure that you can repay the entire amount on its due date. Extensions and roll over periods prove to be overtly expensive. So it would be best if you could first learn to handle your finances responsibly and then apply for a cash advance loan.
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