Payday Loans and Fast Cash Guide

Do 30 Day Payday Loans Even Exist?

The short answer is yes, 30 day payday loans do exist. They are hard to find, will cost you more, but they’re out there! I’m not trying to scare you away, but I certainly won’t lie to you! There are also other ways of getting fast cash that will give you more than 30 days to pay it back, which I also want to cover in this post so that you really know all of the options that are available to you.

When shopping around for a same day payday loan you’re going to be presented with a chart that shows you the rates that each lender charges for the state that you live in. Only legit lenders will have this on their sites, so if you can’t find it move on to another site. Once you track this chart down you’ll see how the interest rate increases based on the length of the loan. It tends to get pretty extreme once you get past the normal 14 day loan period.

The worst thing that you can do is this situation is to apply for a regular payday loan, then request an extension on it until your payday finally arrives. The fees go up so fast that most of your next paycheck will be spent on those and you’re stuck trying to borrow money again.

It’s hard to accept, but the fact that you don’t get paid every couple of weeks puts low fee payday loans pretty much out of the question. If there are lenders that do offer decent rates on long loans, I don’t know of them, but I’ll update this post if I’m able to track one down.

So what else can you do? Payday loans are designed for people that get paid biweekly, so you’ll probably have to look at other ways to borrow. For someone that gets paid monthly, the choice that makes the most sense to me is title loans. These loans will allow you to make payments over multiple months, while still getting approved very fast.

How do title loans work? You’re going to need a car that’s been paid off to qualify. Your car becomes collateral in the loan, which you’re then able to borrow money against its value. If you have a nice car, this can be a pretty substantial loan. However, if you aren’t able to pay the loan back your car will get repossessed!

These are also no credit check loans, which makes your life easier, and they are extremely fast. Most title loans are faster than payday loans since all they have to do is inspect your car to get you approved!

Instant approval payday loans aren’t right in every situation, and this is especially true for those that get paid monthly. In this case, title loans might be the smarter choice since you get a lot of flexibility when it comes to paying them back.

Finding Loans Online For Anything You Need

There are a lot of websites that offer loans online for just about anything that you can imagine, whenever you need fast cash. Sometimes it is hard to make ends meet and we need a little bit of extra help to get by until we get paid. There are also times when something that we really want costs more money than we currently have, so we will need to get a loan in order to be able to purchase that item. No matter if you are trying to find money to buy a house, car, or anything else that you might want you will be able to find the loan you need online. There are a few things to think about before you apply for your fast cash.

One thing that a lot of people do not take into consideration is the amount of interest that is charged on the money that they borrow. Some people are just so excited to be approved for a loan that they would offer their first born child as repayment if they had to. The interest rate is usually a little bit higher than one that you would find at a bank, credit union, or even a credit card company so make sure to pay attention before you agree to the loan. You might find that the interest rate is too high for your liking and decide to look for another place to borrow the money you need.

When you are looking through different loans online make sure to check for ones that meet all of your needs. If you need a loan that offers flexible repayment options or one that does not have a high interest rate, then make sure to look until you find one. You will be able to find the loan that you need to help you purchase whatever it is you want by looking online.

Where Can You Get A One Hour Payday Loan?

Trying to find 1 hour payday loans is pretty tough to do. There are tons of lenders that promise you’ll get a loan in an hour, but what they’re not telling you is that you’re going to have to wait until the next business day for your bank to approve the money going into your account! In this post I want to offer some tips for finding a payday loan this fast. I’ll warn you that it’s damn near impossible to get cash in an hour. Do you have two hours to work with? Good, read on!

Online loans will never be this fast. They will be able to accept and approve your loan within an hour, but it will never be able to be available to you in an hour. The hang up is at your bank, and they will never work fast enough to meet the speed of payday loan lenders. So if you’re going to apply for an online loan expect it to be in your bank account by the next business day. You may get it sooner, but it’s pretty rare.

So what can you do? Jump in your car and drive to your local lender. They’ll cut you a check on the spot, which you can pay them to cash for you or just go to your bank and deposit it there. Here you’ll have to wait a little while, but waiting two hours is nothing when compared to the next business day!

One thing that you have to do to make sure that your loan goes as fast as possible is to call ahead and see what kinds of paperwork they’re going to need. Even if the lender is close to your house, you still don’t want to have to waste more time driving back and forth. This is also an opportunity to find a low cost payday loan since you’ll be able to ask what their rates are like while you’re on the phone.

Also you have to understand that there are no such thing as guaranteed payday loans. You’ll have to make sure that you’re able to qualify before you fill out the application to speed this process along. You definitely don’t want to wait an hour just for them to tell you that you aren’t going to get a loan!

I spend a lot of time promoting online payday loans, but when it comes to speed the local ones are always going to be the better choice. This obviously means that you live close to a lender, but if you do they’ll be the faster choice. Local loans definitely are not easier, but when time is of the essence the hours that you save can make a huge difference in your life!

Where To Find Bad Credit Fast Cash

Need fast cash but have bad credit?  Don’t worry too much, most of the options that are out there to help you get cash don’t care what your credit score is.  No credit check loans are everywhere, and since they don’t check your credit they are much faster than standard loans.  In this post I want to run through a few of these loans so you can understand what your options are.

Any fast cash loan isn’t going to give a damn about your credit score.  The most common type of these are payday loans, and if they were to check credit scores and only lend to people with good credit they wouldn’t have many customers!  In order to get one of these loans you’re going to need a job that you’ve been at for over six months, make over a thousand bucks a month after taxes, and have a checking account.  There are some lenders out there that will offer money to people who don’t meet those criteria, but they are rare.

You can find lenders for these online or locally.  There really isn’t much difference between the two, except searching for payday loans online will yield a lot more companies for you to find the best rates with.  Going locally, you’re stuck with only the ones in your area.

Title loans are another (much riskier) option.  With this type of loan you are using your car as collateral, which means that if you don’t pay it back the repo man shows up and takes your ride!  Generally you can get more money with this type of loan, and longer terms, but the risk is obviously higher.  To get approved for a loan like this you need a car that’s paid in full, its title, and an extra key.  Most lenders will let you keep driving your car while your loan is out, but not all of them.  Promise me that if you choose this loan you pay it back!  Title loan lenders don’t screw around and will take your car from you!

There is also the option of selling some of your stuff or working for cash, but I’m sure I don’t need to tell you that your credit score is irrelevant to those!

Finding bad credit fast cash is not tough to do at all, it just gets tricky trying to figure out which route to take.  There is a ton of info all around this website about the different types of loans, and how to save money on them.  Take a look around and learn how get your loan without getting ripped off!

What To Know About Loans When You Have Bad Credit

Say you want to get a $5000 loan with bad credit. What should you do? And are there reputable places that will lend you the money for a good cause?

The answer to the first question is to check your credit yourself. In can be tempting to just avoid your credit score altogether if you know it’s dismal. But honestly this is the worst thing you can do. If you understand what your score is and why it is that way – what events exactly caused the low score – you will be more likely to get a better interest rate from the bank because you will be able to explain yourself and hopefully come across as confident that it won’t happen again.

When checking your credit score you need to be sure that you obtain a score and report from all three credit bureaus. Different institutions will pull their information from different places so you should be prepared for any scenario. The three credit bureaus are Equifax, Experian, and Transunion. The best (read least expensive) way to do this is to sign up for one of the free credit reports sites online. Usually you receive free reports for the first month. Then you can pull your credit information and then cancel effectively not having to pay a dime.

If you want to avoid the credit problem all together you can go to a payday loan institution. They offer $1500 loans, $500 loans, even up to $5000 loans with no credit check.

However, a better option for a $1500 loan is to attempt to get a loan (depending on the amount) from a bank, a peer to peer lending site, or a friend or family member. The peer to peer lending sites are an excellent option for those with bad credit, but who can explain why they have bad credit.

Getting a 500 Fast Cash Payday Loan

For those who are needing cash now, you may want to consider taking out a 500 fast cash payday loan. These loans are quick, easy, and do not require any hassle with credit and history checks. As such, they can be made literally within minutes of application, and they can also be done online in a few minutes as well! However, there are some things to remember before you decide to go with this type of 500 cash loan.

First and foremost, you need to be aware of how a fast cash payday loan works. It’s fairly simple – you just need to have a job and a checking account, fill out the necessary forms (not very hard, by the way), and then you can walk out with the cash in your pocket. These loans literally only take moments to qualify for, based on the fact that there is no credit check required and all you need to do is give them a post-dated check for the amount of the loan plus fees.

Of course, this is where loans from payday lenders can get you – in the fees and interest rates. It would be an understatement to say that these loans are not cheap–in fact they are probably the most expensive type of loan that you could ever take out, and as such need to be used with caution and carefullness. You also need to make sure that you really need the funds that you are borrowing. In essence only use these loans if you really need the cash fast, you need it for a necessity, and you don’t have other options which are cheaper. However, if you are smart with these loans, then taking out a quick 500 dollar loan from a payday lender can be a good idea – just be sure to pay it off properly and on time.

Getting a 1000 Loan Payday

If you are looking for a $1000 payday loan then you will have a few different options to choose from. Each option will have is its advantages and disadvantages, so choose wisely and do so according to your needs, not the needs or suggestion of someone else.

The first option you have when it comes to getting a $1000 payday loan is to get the money from a family member or friend. This is probably the most common way to get a loan of this amount for one main reason – it is generally the easiest to get and has the best/better financing fees. Usually family or friends will loan you the money for free or for very little interest. However, you then have to deal with them on a business level, which may or may not be a good idea.

The second option for a short-term payday loan is to get the money from an actual lender who specializes in payday loans. This option is quick and easy – just write them a post dated check and leave with the cash, but it’s also the most expensive option. You will pay a very, very high APR plus you will pay a processing/initiation fee. When you add these two fees together and annualize that number into an APR you will be shocked at how much a small 1000 loan will cost you. Because of this, these types of loans are generally recommended only when family/friends are not an option and you have bad credit and can’t get a loan from a bank or credit union and you absolutely need the money now.

A third option is getting the money from a peer-to-peer lending network such as prosper.com. These sites are very unique in that you may be able to get a loan in a legit manner and pay much less than you would to a payday loans lender. Essentially, you borrow the money from a regular person, or several different people who are willing to make the loan to you at a certain rate. The advantages of this loan are the costs are lower (though higher than a bank would be most likely), but it is not guaranteed that you will be able to find someone to lend the money to you.

Get Your Fast Cash

Trying to figure out where to get your fast cash?  With so many different websites and lenders trying to sell you something or get you to borrow money from them, how do you decide?  It’s tough, you have to learn to filter out the B.S. and be able to see what’s legit and what’s not.  In this post we’ll take a look at fast cash loans, and show you some ways to make an educated decision on which one is going to be the best for you, without getting ripped off.

With so many different possible scenarios that you may be in, I can’t say, “go to XYZ Payday Lender, they have the best rates.”  There are different laws and regulations in each state that prevent there being a blanket answer to the question of where you should get your fast cash.  Your situation may be different as well, some lenders are much more lenient than others and can provide money to people that other lenders can’t.

Get Your Fast Cash Loan

When you’re looking for a loan, payday loans are the most common choice.  There certainly are other choices, but since these are what’s used 85% of the time, that’s what we’ll discuss.

If you’re looking to get the best rate on a payday loan, you’ll have to shop around.  You have two options for how to do this.  You can browse online or look around in your city.  I recommend starting online (since you’re already in front of the computer).  When browsing online, you’re going to come across two different types of websites; lenders and lead generators.  If you want to deal directly with a lender, you can go that route.  If you want to have someone shop around for you to get the most money, go with a lead generator.

How do you tell the difference?

The simplest way to tell the difference between lenders and lead generators is if there is a box for customers to login, it’s usually a lender.  Lead generators aren’t going to have return customers, so they don’t need it.  A lead generator will generally only have a contact box that you fill out and have lenders contact you.

If you take the route of lead generators to get your fast cash, be ready to have a ton of people calling and emailing you with loan offers as soon as you fill the contact box.  That’s how that side of this business works.

Getting The Best Rate

Many lenders aren’t going to be up front about their rates.  If you find a payday lender that is, you’ve found an honest and legit business.  Keep in mind that the average interest on a payday loan is $25 for each $100 borrowed, so use that average when determining if you’re actually getting a decent rate or not.  You’re going to have to look through a ton of different sites to find a smokin’ rate, but some patience will help you get your fast cash cheap.

Get Your Fast Cash Locally

If you don’t want to use the internet to get fast cash, you can turn to the payday lenders in your area.  The most useful tool in this process is the yellow pages.  Most local payday lenders will be helpful when you call them, so grab the phone book and start dialing up lenders in your area.  Ask them what their rates are like, how they accept repayment, length of terms, and what paperwork you need to get approved.

If you follow these steps you’ll have no problem at all getting your fast cash.  I hope that I was able to clear some things up in a very confusing industry.

How Do Payday Loans Work?

For most people the first time they need a payday loan they are in a financial emergency.  The stress of needing money trumps the importance of really figuring out what they’re signing up for.  They look for the first place that can get them some cash, and go with that one.  I’m not going to tell you that a payday loan is a bad idea, instead I want to show you how they work so you can make an educated decision on why you need one and where to get it from.  Staying responsible with payday loans is extremely important since getting yourself into debt is easy to do.  You may have to find a debt management group to help you out if you get into trouble, which is something that no one ever wants to do!

The reason people gravitate towards payday loans is that just about everyone applies gets approved.  There’s no credit check, no BS, just some paperwork and cash in your bank account.  Payday lenders will have their own specific qualifications, but the basics are:

That’s all there really is to how payday loans work.  You can borrow money based on how much you make, but the first loan is usually much less than the total amount that you can afford.  The reason for this is that first time borrowers are a much higher risk from the payday lender’s point of view.  If you ever need another loan you can go with the same company and you’ll be able to borrow much more.

Interest rates are high with all short-term loans like this.  When calculated into an APR it can be well over a thousand percent.  You have to realize that payday loans aren’t paid back over years, instead they are repaid in a couple of weeks.  If you were have a “traditional” APR of 14-18% you would only end up paying a dollar or so in interest, which would be great for you but unrealistic for a payday lender to stay in business.

On average, you’ll pay $25 for each $100 that you borrow on a payday loan.  That means that a $600 loan will cost you $750.  Keep that average in mind when you’re shopping around for a loan and if you come across something that is way higher or lower than that proceed with caution.

There are two common ways that a payday loan is repaid.  The “old-school” method is to write a post dated check for the day the loan is due for the total amount.  The second method, which is most common with online payday loans, is for the lender to automatically withdraw the money from your checking account.  If you get the option, I recommend going with the post-dated check so that the lender doesn’t have any sort of access to your funds.  I’m sure that you’ll pay your loan back, so you won’t have to worry about that, but I always err on the side of caution.

In order for you to get a good rate on a payday loan you have to be a smart shopper.  I know that you’re situation is stressful, but it you can stop for a second and treat this like you’re buying a car you will save yourself a lot of money and frustration.  I use the analogy of buying a car because no one hauls ass to the closest car dealership and buys the first car that they see.  Spend a few minutes to see what is out there and what their rates are like.  Trust your gut during the whole process.  If something feels fishy, it probably is, and your business will be appreciated elsewhere.

Payday loans are a great way to get cash in an instant.  If you know what you’re getting yourself into you’re much more likely to have a good experience with a payday loan and keep yourself out of trouble.

Feel free to use the Contact Us form if you have any specific questions.

7 Reasons A Payday Loan Is Smarter Than Using A Credit Card

Payday loans get a bad rap, but much of it is unjustified.  The credit card companies don’t want you to know which situations a payday loan makes more sense than whipping out the plastic or getting a cash advance.  I’ve talked about credit card cash advances here on Fast Cash Authority, but their use is very limited.  Payday loans are one of the best ways to get fast cash and, when used responsibly, are a very smart financial move.

Before we go on I should probably state that I don’t work for a payday loan lender, I don’t have sites in payday loan lead generation, or really have anything against credit cards.  I just want to share my experience with you.  There have been many situations where I had to decide if I wanted to charge something or get the cash from a payday lender.  I didn’t always make the right choice, and through my mistakes I’ll share what I learned.

There are many reasons why a payday loan is a much smarter choice than using your credit card, but these are my favorite.

  1. No Credit Check – In 2007 110 millions Americans had bad credit.  With the economy taking us on the roller coaster we’ve been on, I’m sure that number has gone up quite a bit.  Since most payday loans don’t require a credit check they don’t affect your credit score in any way.  If you make the mistake of not repaying a payday loan you deal with collectors without an effect to your credit score.  Missing a credit card payment is going to tank your credit score.
  2. Easier To Budget – If you have $400 in your hand, it’s much easier to figure out the best way to spend it than it is to deal with credit card balances.
  3. Less Risk Of Dependence – Having a credit card in your wallet is a risky move.  It’s simply too easy to pull it out, swipe it, and walk out with you newest fancy.  With a payday loan you actually have to get off your butt and go to the store to get it.  The time it takes to put on your pants and get out the door is going to give you 10X the time to decide if it’s a good decision than it takes to whip out your credit card.
  4. Cheaper Than Late Fees – Payday loans are pricey, but they don’t have anything on a credit card late fee!  If a payday loan costs you $25 for every $100 borrowed, it will cost you much less than the $40 credit card late fee and won’t ding your credit score.
  5. No Long Term Relationship – With a credit card company it can be very difficult to sever your relationship when you’ve had enough.  Obviously you have to pay your balance, but closing an account isn’t very easy.  With a payday loan, you pay the loan back and you’re done.
  6. Save Money Over The Long Term – Having the option to pay back the minimum amount on a credit card gets people into debt trouble all of the time.  If you’re only paying the minimum you’re already in trouble and with a $500 charge you’re going to pay more in interest than if you would have used a payday loan.  With an APR of 15% and making the minimum payment on a $500 charge will cost you $150.87 in interest, according to bankrate.com’s minimum payment calculator.  The average payday loan rate is $25 for every $100 borrowed, so that loan would only cost $125 in interest.  Not having the option of making small payments also prevents lots of people from falling into the debt trap with payday loans.
  7. Cheaper Than A Credit Card Cash Advance – Credit card fine print gets pretty “fine” when it comes to cash advances.  They will go to great lengths to prevent the average person from understanding how much they’re going to pay if they choose this route.  The interest rate on a cash advance is usually a few points higher than the purchase rate, around 22%.  Here’s where it gets really tricky, many credit card companies will apply your monthly payment to purchases first and cash advances next.  This means that if you carry a balance you’re going to be stuck with the high APR racking money up each month.

I’m sure that there are lots of people that will disagree with me on this, that’s fine.  I know from my own experience that there are lots of times that a payday loan is better than a credit card.  If you think I’m wrong, let me know in the comments!

Thanks for reading!

Lydia

Find The Best Deal With Payday Loans Online

It’s easy to find payday loans online, but how are you going to know if you’re getting a good deal? Or ripped off?  Many people feel that the payday loan industry have unfair lending practices due to their loose regulation and dealing with those who don’t make enough money.  This is very true with online payday loans.  There are some companies that are honest and fair, while others are out to charge you as much money as they feasibly can!

This post will take a look at how fast payday loans online work, and the things to watch out for.  There certainly are fast cash lenders out there that are willing to help you out, but there are just as many (probably more) that want to leech as much money off of you as they can!

What Is A Payday Loan?

For those of you that are new with this, a payday loan, or payday cash advance, is a short term loan that is very easy to qualify for and get fast cash when you need it.  The basic requirements are that you’re employed and can prove it, you’re who you say you are, and you have a bank account.  Each lender has their own requirements for their loans and each state has their regulations, but these are the basic factors and there is no credit check involved.  The amount of money that they lend you will depend on how much money you make, how often you’re paid, and your general living expenses (rent, child care, etc.).  The cash advance is repaid after you receive your next paycheck, and usually you’ll write a post-dated check for the amount that’s due.

The interest rates on payday cash advances are pretty high, but when compared to things like late fees and credit card penalties they aren’t so bad (see video on sidebar).  The average rate for payday loans in the U.S. is around $25 per $100 borrowed.  25% is a really high interest rate, but the risk is fairly high on these types of loans and their terms are very short compared to a personal loan from the bank.  Also, the average amount lent is around $500, and the money will be in your hand within the day in most cases.

How Payday Loans Online Work

Online payday cash advances work in a very similar fashion as their brick and mortar counterparts, but you never have to deal with an actual person.  The application process with traditional online payday loans is you visit their website, download the application, fill it out, fax it back, and you’re approved via email.  After you’ve qualified the money is transferred to your bank account.  Loans vary from $100 to $1500 when done online.  If you need more than that, I recommend heading to a storefront lender.

The loan is repaid by your bank allowing the online payday lender to withdraw the money from your account to theirs.  This might not seem like a big deal now, but if you miss a payment they’re going to leech money until they are repaid.

Be sure that your bank account hasn’t been overdrafted before accepting the loan.  I’ve seen people be seriously hurting for cash, get the money, then can’t do anything with it since there are holds on their account!  It seems like a boner move, but it happens a lot.  Some lenders will check your bank account balance before lending to make sure that this doesn’t happen.

The problem with this isn’t identity theft, like you might think, it’s that many lenders operate in the states with the most lax regulations on payday loans.  Your loan will fall with that state’s jurisdiction, so you can be charged an incredible interest rate, sometimes as high as 40-50%!  If you miss a payment, you’re in even deeper doo-doo and the payments will skyrocket!

Online No Fax Payday Loan

Faxless payday loans are the same as other online loans, but the application process is done totally online.  Each lender has their own method for determining your identity, but you’re at least going to need a driver’s license/state ID, a social security number, and a bank account.  Again, your credit score doesn’t matter since there is no credit check involved.  The online payday loan application will go through your information to verify that you’re honest with it, and verify that you’re the owner of the bank account.  Most times this is done with a automated phone call, so you may need to be near a telephone as well.  Confirmation of your faxless payday loan is done via email.

Getting A Good Rate On An Online Payday Loan

As I said above, payday loans online are much less regulated than the stores are.  What this means for you is that each one is going to have very different rates than the next guy, so you’ll have to do some homework.  Not every company has their interest rates and fee structure listed on their website, so it might take having them contact you to get the full story.  Don’t be scared to turn one down for a better rate!  If you’re offered more than $35 per $100 borrowed, it’s probably a good idea to find a different company.  Shopping around will get you the low rates that you want, and save you a ton of money.

Beware, there are some serious sharks in the online payday loan industry.  These companies want nothing more than to suck every dime from you they possibly can, sometimes doing it illegally.  Laws are different from state to state, and in some situations what is legal in one state can be legal in a state where it’s usually not.  The state that the company operates in will usually determine how it operates.  That isn’t always the case and many times they’ll cross boundaries to get money from you.  If you feel like something’s fishy about a companies terms, turn them down before you sign anything!  That’s your right as a customer.

My Story With Online Payday Loans

My experience with payday loans is short.  I needed a cash advance once when I was sick and needed to go to the doctor (no insurance of course!).  Since I was so sick, I really didn’t want to have to go to the payday lender and figured I would try the online ones that I’d been hearing about.  Keep in mind that this was a few years ago and right when these companies came on the scene.  Regulations were even looser then, so when I heard what my terms were going to be I canceled and walked down to the payday lender.

Don’t forget that the online payday loan industry is much better now than it was then!

Thanks for reading,

Lydia

Can You Really Find Fast Cash In One Hour?

I get a lot of questions here on Fast Cash Authority about whether or not it’s really possible to find fast cash in one hour.  The short answer is yes, it’s very possible.  It isn’t the easiest thing to do, but if you know what you’re about to learn it will make it much easier.

One thing that you have to remember is that the payday lenders want to get you money as fast as possible, and faster than their competitors.  That’s a major reason why this business is so successful.  A bank can’t even process your application in an hour, let alone get you money!  Please don’t become frustrated with your lender, they’re doing their best to get you your money.

How To Get One Hour Fast Cash

There are a few tricks to increase the speed that you can get your payday loan or title loan, and these tricks rest on your shoulders.  The lender will move as fast as they can to get you what you need, but you have to be prepared.

The first and easiest thing to do to speed up your loan is to work while banks are open.  You’re probably thinking that banks don’t have much to do with fast cash loans, but if they aren’t open your money won’t be available in your bank account.  A payday lender can transfer you money, but it will sit there until the bank opens for business and approves the transfer.

Also keep in mind that some payday lenders require that you have a minimum balance in your checking account before they’ll lend you money.  If you only have $100 in your account and the lender requires $200, find a different lender or borrow that money from a friend (risky!).  You have to be in a position to borrow the money to get it as fast as you want it.  This leads to having all of your necessary documents ready before applying.  Have a few paycheck stubs, a list of references, your driver’s license, social security card, and whatever other paperwork the lender requires.  You’re going to seriously slow down the process if you don’t have something that you need to qualify.

Finding A Lender

I recommend starting online to find yourself a fast cash loan.  There is minimal human interaction with the approval process, which means that computers will make the decision based on predetermined qualifications.  This is way faster than having Chatty Kathy down at the payday loan store perusing through your paperwork to figure out if you can be approved!

It may slow you down a bit, but be sure to look at a few different lenders before making a decision.  They’ll each have different terms and guarantees.  You may be able to get paid much faster and save a few bucks in the process.

The Fastest Way To Get A Loan

The best way to get one hour fast cash is to follow the preparation steps outlined above and go to a payday lender that you’ve already been to.  If you paid back your last loan on time and are in good standing with them, they will approve your next loan in no time at all.  They keep records of your history there and should have all of your info from your last loan, so approval should be nearly instant.

Thanks for reading,

Lydia

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