Payday Loan Guides and Reviews:

We've all read articles online and in the newspaper lately about how outrageous payday loan shops and companies have been in charging extremely high interest rates. What should you do if you need a fast payday loan? Don't go to any old cash advance payday loan store. Payday or cash advance loans are short-term loans that give you 15 to 30 days to pay the loan back. You often need to pay a one-time fee as well to get the loan. Unfortunately payday loan companies take advantage of people in bad financial shape and give them loans that are unreasonable and fixed at high APR rates. Some cash advance services and payday loans are better than others and will save you lots of money in the short term and maybe even in the long run. As a consumer, you are responsible for finding the best payday loan out there, but usually you only need a quick payday loan when money is tight. That's why it's critical to have a cash loan shop or Internet payday store that you can rely on to give you the best deal.

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We have tried to give you some solid options down below on which payday loans are the best to get and which cash advance websites and brick and mortar payday loan shops are the ones you want to work with. Getting an instant or same day loan can be done, so review our payday loan comparisons and find the right fit for your financial needs. An example of how a payday loan works is say you borrow $100 at 20% (finance charges). To pay off your loan with a 15-day term, you would need to pay back $120. That doesn't sound like much, but if you borrow $1000 then you have to pay back $1200. Most payday loans are based on your check stub or monthy income or salary. You must be 18 years of age or older, your place of employment must be verifiable, you should not have any outstanding payday loans against you, you should have an active checking account that is at least 90 days old. You may think that having bad credit will hurt your chances of getting a payday loan, but it really doesn't matter much since most payday loan companies only check current employment and checking account info and not your credit.

Best Payday Loan:

We hope that you never have to use a payday loan company, but if the situation arises, look for a reputable online or brick and mortar payday lender that others have used and feel comfortable with. Many lenders charge exorbitant late fees, interest rates, and processing fees, many that are illegal in some states. Personalcashadvance.com is a good website for obtaining secure, online cash advances and payday loans. Apply and qualify online with no credit check and get instant approval. We HIGHLY recommend using an online payday loan service since it's easier to compare them with others versus going into a payday loan store in your local city and only getting one rate.

No Fax Loans:

There are faxless payday loans online, but they are a little harder to find. A payday loan with no faxing is usually done by mailing in your bank statements and official documents at a later time. These payday lenders want to verify your employment and get your checking account information online and no faxing is required. Fill out their online application form and submit it via the website. The lender can often verify employment via a phone call and you can electronically sign and agree to the terms of the payday loan right over the Internet. Payments on no fax payday loans are often made by electronic transfer out of your checking account. The downside to faxless payday loans is that the loan amount is limited from $100 to $500 because the lender wants to limit their risk. Paydayok.com is an online cash advance company that does not require a fax.

Online Payday Loan:

Internet loans are a growing business as people find the convenience of getting payday loans online easier than going down the street to their local cash advance shop. Online payday loans are easy to get but you may need to have access to a fax machine. There are some minimum requirements for obtaining a payday loan online like: you must be 18 years old, you must be reachable by phone, your place of employment must be verifiable, you must have access to a fax machine, you must be employed and receiving consistent income, your bank statement needs to show a minimum monthly deposit of $1000 from your payroll, and your checking account needs to have been active for at least 90 days. Payday lenders make loans based on your income and once you are approved, they transfer the money/cash to your bank account overnight. Most banks will make the funds available that next day while others may not. Check with your bank on how it works. Usually if you place your cash payday loan request before 4 PM, the cash will be deposited to your account for the next banking day. Make sure your bank statements are in order so you can fax over the documents for the fastest and quickest results. Approval takes from 30 seconds to 3 hours.

Bad Credit Payday Loan:

Ok, you may have heard that bad credit will limit your chance at a payday loan, but that is simply not true. Most payday loan lenders don't even do a credit check. The reason why is because payday loans are short term loans that are due in 7-30 days and only longer term debt/loans require a credit history check. Even with bad credit a payday loan can be available to you if you can show an active checking account and that you are receiving regular paychecks. Also, expect a payday lender to run a check on your loan history and the information you put on your application form. Teletrack is the name of the service they check with on payday loan history to see if you have been refused in the past for a payday loan or didn't pay one back. An online payday loan company like Mycashnow.com give deliver cash advances right into your checking account without doing a credit check.

Do you have a quality site or product that belongs in this guide? We are always happy to evaluate or review new products and websites. Feel free to contact us at the email address below and let us know about you. If you have a demo product you'd like us to look at, please contact us before sending anything. Thank you.

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