Fast Cash » Guaranteed Payday Loans

What Can You Do To Guarantee A Payday Loan?

theempire — Mon, 25 Oct 2010 22:31:57 +0000

Although advertisers may say otherwise, guaranteed payday loans simply do not exist. If a lender were to guarantee that everyone who applied was approved, they would be out of business in a couple of days! Fortunately there are some things that you can do to help make sure that you’re able to qualify for a loan. In this post I want to show you these things so that you don’t waste your time chasing a loan that you won’t be able to get.

When shopping for a payday advance online, you have know that not every website out there is going to lend you money. In fact, there are three types; lenders, loan matching services, and information sites (like this one). The only one that you want to apply with are the actual payday loan lenders. This will prevent getting approved for a loan from a shady bank in Costa Rica or Jamaica.

So what can you do to increase your chances of getting approved? Start by knowing what lenders are looking for. You’re going to have to have a job and an active checking account. Most lenders are going to require that you’ve been at your job for at least six months and make over a thousand bucks a month after taxes. As for your checking account, it should be open at least three months and have had deposits or withdrawals each of those months.

There are no credit checks, but they will check your employment and income, so there’s no sense in trying to lie about those on your application.

Some lenders will require that you have direct deposit of your paycheck. If you don’t direct deposit, don’t apply with a lender like that!

After spending some time browsing around lender websites you’ll get a feel for who has requirements that match what you have. There are probably 20 or 25 different lenders out there, and there is one that’s going to be able to help you out.

What if you can’t meet the requirements? There are a few other ways to make money now. Title loans are a good alternative to payday loans, but you have to have a paid off car to qualify. You can sell off some of your stuff on Craigslist. Working overtime at your job is a good choice if you can wait until the next payday to get paid. You also may be able to help out some friends or family members with odd jobs to earn some cash fast.

Lenders make a lot of big claims in their advertisements that they aren’t able to back up. You won’t be able to find guaranteed or 1 hour payday loans anywhere. Once you are able to separate the hype from the truth you can start to decide which route to take. Hopefully this post cleared up some of this for you so that you’re able to get the fast cash you need.

Where To Find Guaranteed Payday Loans No Faxing Required

theempire — Thu, 14 Oct 2010 03:14:55 +0000

When you need fast cash a payday loan is one of the most reliable ways to get it. The problem is that there really isn’t such a thing as guaranteed payday loans. Fortunately, it’s really easy to find lenders that don’t require you to fax anything to them. In this post I want to clear up some myths around the idea of “guaranteed” and show you how to find a lender that is completely no-fax.

Payday loan lenders can get away with saying that their loans are guaranteed because they guarantee that you’ll get approved if you meet all of their requirements! Many people read this as they’ll approve anyone, but it really just boils down to the people who would have been approved anyway. I know that might be a major let down, but payday loans are not that hard to get.

The key to getting a loan is making sure that you’re able to qualify before applying. This might sound too obvious, but if you dig around lender’s websites you find out exactly what they’re looking at during approval.

Finding a no fax payday advance online is very easy to do as well. Off the top of my head I can tell you that Cash Net is no fax, and works in most states. All you need to do to figure out if a lender requires you to fax or not is to find the FAQ section of their site and there should be a section that explains it.

Remember that even if they are no fax they’ll still ask you to fax them stuff if they aren’t able to verify something on your application. What this means is that you have to be as thorough and accurate as possible on your application to make sure that they don’t need anything like this sent to them.

While you’re looking around at requirements and faxing information, also be checking out their rates. This is the easiest way to find a cheap payday loan. You’ll be able to compare what they’re charging in your state side by side with other lenders, which is going to help you save a lot of money.

I’m sorry to say that there is no such thing as a guarantee when it comes to payday loans, but at least it’s better that you know now and aren’t disappointed later on when you can’t get approved. Fortunately low rates and no faxing are easy to figure out, so at least you’ll be able to save some time and money when you do find lenders that can approve you.

Guaranteed Payday Loans – Is There Such A Thing?

theempire — Tue, 08 Dec 2009 04:00:35 +0000

You hear about guaranteed payday loans all the time, but is it really true? How can payday loan lenders guarantee that you’ll be approved, or won’t have to fax anything, or they don’t use Teletrack? There are some big claims that come with a payday cash loan, and in order to decipher which are true you’ll need to learn to filter their words. No worries though, I’ll show you how. We’ll take a look at the big three guarantees a bit closer you can know what they really mean and get you closer to your fast cash!

You might be thinking that if a payday loan lender guarantees something that they have to deliver. That isn’t always the case. In many cases the “fine print” is what gets them out of guarantees. It’s a lot like weight loss commercials that always have the disclaimer at the bottom that says “individual results may vary.” They don’t have to do anything, so it’s much better that you know what to look for now, than to be disappointed later on.

Guaranteed Approval Payday Loans

You can read this claim as “[if you qualify] we have guaranteed payday loans.”

No instant payday loans are going to be approved every single time. If you look at this claim it could also mean that if you don’t have a job you can qualify!

Take this claim as to mean that if you meet the most basic requirements for a cash advance loan, you’ll be placed with payday loan lenders that will approve you in your situation. These lenders do have a much higher approval rating, but generally lend less money.

Guaranteed No Fax Payday Loan

I’ve seen this claim on some ads and am not sure if it’s meant to say that they guarantee that you won’t have to fax anything, or if you’re guaranteed approval. I’m going to assume that it’s the first one, and they’re saying that you’re not going to have to fax anything at all.

This is a very valid claim.

With many of the technological advancements that have happened in the last few years, especially with security, faxing payday loan applications is nearly obsolete. If you interpret this the same as I do, you’ve found an easy payday loan online.

Guaranteed Payday Loans For Bad Credit

Don’t forget that payday loans don’t use credit checks, so your credit score is irrelevant to your loan. This means that good credit, bad credit, or terrible credit can get a loan. Many payday lenders will use a service by a company called Teletrack to check out your recent banking history to make sure that you haven’t written bad checks, already have outstanding loans, or frequently overdraft your checking account. There are no Teletrack payday loans available, and are usually found online or at small lenders in your city.

Free Payday Loans

If you write enough about payday loans (or use them often enough) you’re bound to come across a company that offers free payday loans. I’m sure at some point during your life someone told you that nothing in life is free, and this is certainly one of those cases. The closest thing to free that I’ve seen with a payday loan is the first loan is free, but this is hard to find.

These claims are usually pretty risky.

There is a payday lender that offers free first loans, but forces you to agree to an extension to get the first one free. That’s a shady move, and should be avoided if you see anything like that.

There absolutely are guaranteed payday loans, but their guarantees are very thin. Do the right thing and check out multiple lenders online and in your town to find the one that is the best fit for you and your situation. After you find one you like, stick with them. It makes your life and payday lending much easier.

Thanks for reading,

Lydia