Monday/October 27/2008
As the nation's economic crisis deepens, so does the need to find cash to pay the bills.
Faced with tightened bank lending, many consumers have turned to outside sources to pay for their rent or doctor's expenses. Needing funds right away, they've found that cash advances often can be the answer. As a story at cbs.com details:
"In order to get a loan, customers fill out an application giving lenders access to personal information... After being cleared for the loan, the lender deposits the payday advance. The entire process usually takes less than 5 or 10 minutes."
Though getting a cash advance is simple and easy, experts advise shopping around to find the provider who is right for your needs.
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Monday, November 24, 2008
Monday, October 6, 2008
CASH-STRAPPED COUNTRY: BANKRUPTCY FILINGS NEAR ONE MILLION
As Americans face the realities of a tough economy, many are reacting by declaring bankruptcy.
Faced with rising mortgage and credit-card debt, a lot of people are opting just to throw in the towel. The number of personal filings totaled 934,009, up nearly a third from last year.
"As we continue to hear more bad economic news, we will continue to see bankruptcies spiral upwards," said Jack Williams, resident scholar at the American Bankruptcy Institute. Such news is expected to increase the number of payday advances, as Americans look for ways to manage debt.
Related Story
Faced with rising mortgage and credit-card debt, a lot of people are opting just to throw in the towel. The number of personal filings totaled 934,009, up nearly a third from last year.
"As we continue to hear more bad economic news, we will continue to see bankruptcies spiral upwards," said Jack Williams, resident scholar at the American Bankruptcy Institute. Such news is expected to increase the number of payday advances, as Americans look for ways to manage debt.
Related Story
Monday, August 4, 2008
NEW HOUSING LAWS TO BENEFIT LOWER-INCOME EARNERS
In response to the recent housing-industry crisis, new legislation is expected to be signed by President Bush, including a trust fund to help protect low-income housing. "The funds (from the trust) would be allocated to the states, which would use the money to produce and preserve affordable housing focused on the lowest-income households," said Linda Couch of the National Low Income Housing Coalition. Couch said the fund could surpass a half billion dollars by the year 2011.
The average national rate on a 30-year fixed-rate mortgage climbed to 6.63 percent this week, forcing many lower-income Americans to seek short-term loans and other quick sources of financing. This includes cash advances, as many borrowers seek to leverage their next payday.
Related Story
The average national rate on a 30-year fixed-rate mortgage climbed to 6.63 percent this week, forcing many lower-income Americans to seek short-term loans and other quick sources of financing. This includes cash advances, as many borrowers seek to leverage their next payday.
Related Story
Monday, July 14, 2008
LATE PAYMENTS THROUGH THE ROOF, SAYS AMEX
The number of Americans paying their credit-card bills late is on the rise, according to American Express.
"Business conditions continue to weaken in the U.S. and so far this month we have seen credit indicators deteriorate beyond our expectations," said company CEO Kenneth Chenault. American Express adopted a "cautious view" after cardholder spending slowed and overdue payments rose in December.
As credit conditions worsen, more Americans are turning to alternate sources of funds such as cash advances -- which can be repaid quickly, allowing the borrower to avoid high interest payments. Payday advance applications are expected to increase as Americans find paying their bills increasingly challenging.
Related Story
"Business conditions continue to weaken in the U.S. and so far this month we have seen credit indicators deteriorate beyond our expectations," said company CEO Kenneth Chenault. American Express adopted a "cautious view" after cardholder spending slowed and overdue payments rose in December.
As credit conditions worsen, more Americans are turning to alternate sources of funds such as cash advances -- which can be repaid quickly, allowing the borrower to avoid high interest payments. Payday advance applications are expected to increase as Americans find paying their bills increasingly challenging.
Related Story
CASH ADVANCES RISE AS AMERICANS CUT BACK ON CREDIT
Once crazy for credit, Americans have been cutting back on the use of their cards -- or in some cases, cutting them to shreds.
Tired of paying for purchases made long ago (such as gas or a restaurant meal), people such as "Suzi" from Indianapolis have decided to go cold turkey, and closed their credit-card accounts. "If we want something (now), we pay for it in cash," she says. "If we can't afford it, we do without or wait."
The upside? "We no longer have to dread our bills in January," says Suzi.
Not surprisingly, this corresponds with the increase in payday advances taken out, as many people have found the single short-term fee preferable to ongoing interest charges.
Related Story
Tired of paying for purchases made long ago (such as gas or a restaurant meal), people such as "Suzi" from Indianapolis have decided to go cold turkey, and closed their credit-card accounts. "If we want something (now), we pay for it in cash," she says. "If we can't afford it, we do without or wait."
The upside? "We no longer have to dread our bills in January," says Suzi.
Not surprisingly, this corresponds with the increase in payday advances taken out, as many people have found the single short-term fee preferable to ongoing interest charges.
Related Story
CREDIT CARDS FOR SUBPRIME CUSTOMERS FACE NEW SCRUTINY
CREDIT CARDS FOR SUBPRIME CUSTOMERS FACE NEW SCRUTINYCredit cards issued to customers with lesser credit are facing a new round of regulations designed to protect the cardholder from being overcharged.
These typically low-limit cards, sometimes known as "fee harvesters" because of their financial benefits to the issuer, carry fees and charges that aren't always readily obvious to the cardholder. However, there are signs that the gold mine may be closing, as the proposed regulations would require creditors to list fees upfront, especially if they exceed 25 percent of the customer's credit limit. Additionally, card issuers would have to include examples of the projected change in balance once these fees have been assessed.
Such developments should be of note to payday loan seekers, many of whom fall into the subprime category.
Related Story
These typically low-limit cards, sometimes known as "fee harvesters" because of their financial benefits to the issuer, carry fees and charges that aren't always readily obvious to the cardholder. However, there are signs that the gold mine may be closing, as the proposed regulations would require creditors to list fees upfront, especially if they exceed 25 percent of the customer's credit limit. Additionally, card issuers would have to include examples of the projected change in balance once these fees have been assessed.
Such developments should be of note to payday loan seekers, many of whom fall into the subprime category.
Related Story
Thursday, June 12, 2008
PAYDAY LOAN RESTRICTIONS TREAT CONSUMERS "LIKE CHILDREN"
An article in the Montgomery Advertiser summed up recent efforts by certain states to restrict -- or even outlaw -- the availability of payday lending:
"Paternalism -- the belief that adults do not possess the ability to take care of themselves -- is the ideology behind bills being pushed in a number of state legislatures. By putting incredibly stringent restrictions on the service, such bills would effectively ban the practice of short-term "payday" lending, no matter how many people use it responsibly in times of crisis."
And the benefits of payday lending?
"The service allows consumers to borrow against a future paycheck, meaning that the car gets an urgent repair, a critical check doesn't bounce, or the heating bill gets paid. Used responsibly, payday lending can help a borrower stave off financial calamity."
We couldn't have said it better ourselves.
Related Story
"Paternalism -- the belief that adults do not possess the ability to take care of themselves -- is the ideology behind bills being pushed in a number of state legislatures. By putting incredibly stringent restrictions on the service, such bills would effectively ban the practice of short-term "payday" lending, no matter how many people use it responsibly in times of crisis."
And the benefits of payday lending?
"The service allows consumers to borrow against a future paycheck, meaning that the car gets an urgent repair, a critical check doesn't bounce, or the heating bill gets paid. Used responsibly, payday lending can help a borrower stave off financial calamity."
We couldn't have said it better ourselves.
Related Story
Wednesday, June 4, 2008
SALT LAKE COUNTY GETS SALTY WITH PAYDAY LENDERS
In what was called a "classic debate," the Salt Lake County Council voted to approve legislation that would limit the number of cash lenders to one per every 10,000 county residents. Additionally it required physical loan shops to maintain a specified distance apart from each other, to limit density.
One council member who voted for the ordinance nevertheless had his doubts about its effectiveness: "What we do here doesn't fix the rate problems, it just grants local monopolies and makes it even harder for the real issue of rates and disclosures to be addressed."
Ten cities in the already maintain legal restrictions on payday lending.
Related Story
One council member who voted for the ordinance nevertheless had his doubts about its effectiveness: "What we do here doesn't fix the rate problems, it just grants local monopolies and makes it even harder for the real issue of rates and disclosures to be addressed."
Ten cities in the already maintain legal restrictions on payday lending.
Related Story
Wednesday, May 28, 2008
THOUSANDS GATHER TO SHOW SUPPORT FOR PAYDAY LENDING
More than two thousand payday loan customers and lenders rallied in Ohio to protest severe restrictions proposed by that state's Senate on cash advances.
Holding signs such as "My life. My credit. My choice!" the payday loan supporters voiced their concern over a bill that would severely limit the credit options of working people -- not to mention cut some six thousand jobs.
"No business, not a credit union, not a bank, not even a non-profit can lend money for less than 10 cents a day," said Jamie Frauenberg, President of the Ohio Association Financial Service Centers.
Commenting on proposed limits on fees and interest charged by payday lenders, Frauenberg added: "Even Goodwill could not offer payday loans in Ohio under a 28% APR cap."
Related Story
Holding signs such as "My life. My credit. My choice!" the payday loan supporters voiced their concern over a bill that would severely limit the credit options of working people -- not to mention cut some six thousand jobs.
"No business, not a credit union, not a bank, not even a non-profit can lend money for less than 10 cents a day," said Jamie Frauenberg, President of the Ohio Association Financial Service Centers.
Commenting on proposed limits on fees and interest charged by payday lenders, Frauenberg added: "Even Goodwill could not offer payday loans in Ohio under a 28% APR cap."
Related Story
Friday, May 16, 2008
ATTORNEY CALL-OUT HIGHLIGHTS PAYDAY LOAN MYTHS
The Community Financial Services Association of America's recent selection of an Ohio attorney as “winner for most untruths” highlighted some popular misconceptions about cash advance lending.
Besides alleging that payday loans go to those in "extremely bad financial shape" the attorney claimed that "responsible" lenders would steer clear of such customers -- despite the fact that cash-loan applicants must by rule maintain bank accounts to begin with. (This is particularly relevant as Ohio is considering legislation that would severely restrict the rates that payday lenders could charge customers.)
It is not known whether the attorney in question responded to receiving such an honor.
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Besides alleging that payday loans go to those in "extremely bad financial shape" the attorney claimed that "responsible" lenders would steer clear of such customers -- despite the fact that cash-loan applicants must by rule maintain bank accounts to begin with. (This is particularly relevant as Ohio is considering legislation that would severely restrict the rates that payday lenders could charge customers.)
It is not known whether the attorney in question responded to receiving such an honor.
Related Story
Tuesday, May 13, 2008
CONSUMER ADVOCATE: RESTRICTING PAYDAY LOANS A "BIG MISTAKE"
CONSUMER ADVOCATE: RESTRICTING PAYDAY LOANS A "BIG MISTAKE"
Recent attempts by politicians to limit payday lending are misguided, according to an official of a leading consumer advocacy group.
Tim Miller, communications director at the Center for Consumer Freedom, cited as proof a Federal Reserve study that found both bounced-check fees and bankruptcy filings rose dramatically in Georgia after payday lending was banned.
Critics of payday lending frequently point to interest rates, which, when annualized, can appear to be high. In response Miller asks: "what's worse, bouncing checks and wrecking your credit rating, or paying a lender $15 for a $100 advance on your paycheck?"
Related Story
Recent attempts by politicians to limit payday lending are misguided, according to an official of a leading consumer advocacy group.
Tim Miller, communications director at the Center for Consumer Freedom, cited as proof a Federal Reserve study that found both bounced-check fees and bankruptcy filings rose dramatically in Georgia after payday lending was banned.
Critics of payday lending frequently point to interest rates, which, when annualized, can appear to be high. In response Miller asks: "what's worse, bouncing checks and wrecking your credit rating, or paying a lender $15 for a $100 advance on your paycheck?"
Related Story
The upcoming Cinco de Mayo holiday is a good time to think about cash advances -- and not for financing your bar tab, either. Rather, it's time to ref
The upcoming Cinco de Mayo holiday is a good time to think about cash advances -- and not for financing your bar tab, either. Rather, it's time to reflect on what payday loans should be used for, and when they should be taken out.
For example, the Community Financial Services Association of America (CFSA) has mandated that its member associations not encourage payday lending for any kind of leisure activities, including drinking or gambling. Rather, your payday loan should be applied to medical bills, car repairs or other sudden short-term expenses.
Use your cash advance for what it was intended for, pay it back in full and on time, and you'll find payday loans can be one of your best financial allies. Save your spare change for the margaritas -- we bet even the CFSA would drink to that!
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For example, the Community Financial Services Association of America (CFSA) has mandated that its member associations not encourage payday lending for any kind of leisure activities, including drinking or gambling. Rather, your payday loan should be applied to medical bills, car repairs or other sudden short-term expenses.
Use your cash advance for what it was intended for, pay it back in full and on time, and you'll find payday loans can be one of your best financial allies. Save your spare change for the margaritas -- we bet even the CFSA would drink to that!
Related Story
Thursday, May 1, 2008
PAYDAY LOANS GET FEDERAL RESERVE APPROVAL
Wednesday/April 23/2008
A study by the Federal Reserve Bank of New York concluded that payday loans are "not predatory" and may actually improve the lives of the people who use them.
“To the contrary, the report concludes that payday lenders may actually enhance the welfare of households by increasing the supply of credit,” said Darrin Andersen, president of the Community Financial Services Association of America.
Some key conclusions of the study:
“[Credit]...delinquency rates were marginally lower for risky households in states with unlimited payday loans.”
“Households with uncertain income who live in states with unlimited payday loans are less likely to have missed a debt payment over the previous year.”
“In the end, the simple fact that payday lenders have triumphed over pawnshops suggests that payday lending raises household welfare by providing a preferable alternative.”
Related Story
A study by the Federal Reserve Bank of New York concluded that payday loans are "not predatory" and may actually improve the lives of the people who use them.
“To the contrary, the report concludes that payday lenders may actually enhance the welfare of households by increasing the supply of credit,” said Darrin Andersen, president of the Community Financial Services Association of America.
Some key conclusions of the study:
“[Credit]...delinquency rates were marginally lower for risky households in states with unlimited payday loans.”
“Households with uncertain income who live in states with unlimited payday loans are less likely to have missed a debt payment over the previous year.”
“In the end, the simple fact that payday lenders have triumphed over pawnshops suggests that payday lending raises household welfare by providing a preferable alternative.”
Related Story
Wednesday, April 9, 2008
TAX SEASON: TIME FOR ANOTHER KIND OF PAYDAY LOAN?
This time of year, Americans' thoughts turn to tax returns. Increasingly, however, more taxpayers are looking at their refunds as a new kind of payday advance.
Sometimes called "Refund Anticipation Loans," these loans amount to cash advances granted to people expecting money back from the government. Giant tax-preparation firms such as H&R Block have become major "lenders" of these advances, which have gained big-time popularity in recent years.
Before you go jumping in, however, consider the consequences. First there's the interest: customers may pay anywhere from fifty to five hundred percent on these loans. Then there are the fees: H&R Block, for example, charges over sixty dollars for a refund payday loan of three thousand dollars.
Above all, keep one thing in mind -- Refund Loan applicants are essentially signing over their refunds to their tax preparer. Bottom line: if you can afford to wait for your money, you might want to do just that.
Read More..
Sometimes called "Refund Anticipation Loans," these loans amount to cash advances granted to people expecting money back from the government. Giant tax-preparation firms such as H&R Block have become major "lenders" of these advances, which have gained big-time popularity in recent years.
Before you go jumping in, however, consider the consequences. First there's the interest: customers may pay anywhere from fifty to five hundred percent on these loans. Then there are the fees: H&R Block, for example, charges over sixty dollars for a refund payday loan of three thousand dollars.
Above all, keep one thing in mind -- Refund Loan applicants are essentially signing over their refunds to their tax preparer. Bottom line: if you can afford to wait for your money, you might want to do just that.
Read More..
Wednesday, March 26, 2008
NEW PAYDAY LOAN BILL PASSES FIRST SENATE TEST
Wednesday/March26/2008
Good news for borrowers: the U.S. Senate has given initial approval to proposed legislation which would make interest rates on payday loans more attractive than ever.
House Bill 1310 would cap rates on cash advances -- as well as limit the transaction fees charged to consumers. The proposed bill also would keep borrowers from extending their loans repeatedly, or taking out multiple loans, both of which make repayment a lot tougher to manage for the consumer.
The bill now goes to the Senate Appropriations Committee for consideration, before returning to the Senate for final approval.
Related Story
Good news for borrowers: the U.S. Senate has given initial approval to proposed legislation which would make interest rates on payday loans more attractive than ever.
House Bill 1310 would cap rates on cash advances -- as well as limit the transaction fees charged to consumers. The proposed bill also would keep borrowers from extending their loans repeatedly, or taking out multiple loans, both of which make repayment a lot tougher to manage for the consumer.
The bill now goes to the Senate Appropriations Committee for consideration, before returning to the Senate for final approval.
Related Story
2008'S TOP AUTO BARGAINS: A BONANZA FOR LOAN APPLICANTS
Car sales have slumped to levels not seen in a decade -- good news for both buyers and borrowers.
Declining sales mean a rising number of bargains for the consumer; for the auto loan applicant, it could mean a lower down payment, and a better rate on down the line. Not to mention a load of discount financing, factory-to-dealer incentives, and rebates right now.
The models with the deepest discounts may surprise you, such as the Mercury Grand Marquis, which comes with a rebate of up to $6,500. Other vehicles which made the list include the Chrysler 300C, the Dodge Ram 1500 and the Ford Explorer. One note: financing and discounts tend to vary by region, so check around for the bargains in your area.
Read More
Declining sales mean a rising number of bargains for the consumer; for the auto loan applicant, it could mean a lower down payment, and a better rate on down the line. Not to mention a load of discount financing, factory-to-dealer incentives, and rebates right now.
The models with the deepest discounts may surprise you, such as the Mercury Grand Marquis, which comes with a rebate of up to $6,500. Other vehicles which made the list include the Chrysler 300C, the Dodge Ram 1500 and the Ford Explorer. One note: financing and discounts tend to vary by region, so check around for the bargains in your area.
Read More
Tuesday, March 25, 2008
WHEN APPLYING FOR CASH, BE SURE TO TAKE DUE DATE INTO ACCOUNT
There are a variety of factors to consider when applying for a payday advance, such as lending fees and APRs. However, don't make the mistake many borrowers do, and ignore the due date.
Most payday lenders offer a two-week repayment term; still, some borrowers are unable to repay the money within that time period. That's not good -- failure to repay by the stated repayment date results in additional service charges plus a higher interest rate going forward.A lot of borrowers suffer the consequences because they're unaware they can contact the lender about extending the repayment period. If you feel you won't be able to pay back your advance within the two-week period, immediately talk to the lending agent: you may be able to buy another week or two without suffering severe penalties.
Related Story
Most payday lenders offer a two-week repayment term; still, some borrowers are unable to repay the money within that time period. That's not good -- failure to repay by the stated repayment date results in additional service charges plus a higher interest rate going forward.A lot of borrowers suffer the consequences because they're unaware they can contact the lender about extending the repayment period. If you feel you won't be able to pay back your advance within the two-week period, immediately talk to the lending agent: you may be able to buy another week or two without suffering severe penalties.
Related Story
Tuesday, March 18, 2008
CHRISTIAN BORROWERS SHOW FAITH IN PAYDAY LOANS
According to Forbes Magazine, areas with large concentrations of Christians are the "Promised Land" for payday lenders.
The magazine's website cited a study that portrayed such areas as the Southern Bible Belt as hotbeds of payday loan lending. The study claimed a "strong correlation between the number of payday lenders within a geographic area and the political power of conservative Christians within a state."
According to SmartMoney, industry analysts estimate that 19 million U.S. households used a payday loan in 2006. This number is sure to grow this year as more Americans look to such advances to address their immediate cash needs.
Another factor: the realization that "regular" bank lending may be restricted as a result of recent trouble in the credit markets.
Related Story
The magazine's website cited a study that portrayed such areas as the Southern Bible Belt as hotbeds of payday loan lending. The study claimed a "strong correlation between the number of payday lenders within a geographic area and the political power of conservative Christians within a state."
According to SmartMoney, industry analysts estimate that 19 million U.S. households used a payday loan in 2006. This number is sure to grow this year as more Americans look to such advances to address their immediate cash needs.
Another factor: the realization that "regular" bank lending may be restricted as a result of recent trouble in the credit markets.
Related Story
Monday, February 25, 2008
LATEST CASH ADVANCE NEWS
LATEST CASH ADVANCE NEWS
Monday, February 25, 2008
PAYDAY LOANS FAST BECOMING A MIDDLE-CLASS FINANCIAL TOOL
A story in the Norfolk Virginian-Pilot described how payday loans have become popular with a surprising new group: middle-class suburbanites. Payday loans have traditionally been seen as a crutch for low-income consumers, and lenders perceived as predators taking advantage of their needy situation. In fact, payday lenders are now targeting "good, hard-working, middle-class people" with median incomes of $30,000 or more.
One local resident, a pipefitter, routinely paid off one loan before taking out another to cover bills. In this manner he was able to avoid the high interest costs associated with borrowers who failed to meet their repayment obligations on time. It appears payday lending to the middle class is a trend that's here to stay.
Monday, February 25, 2008
PAYDAY LOANS FAST BECOMING A MIDDLE-CLASS FINANCIAL TOOL
A story in the Norfolk Virginian-Pilot described how payday loans have become popular with a surprising new group: middle-class suburbanites. Payday loans have traditionally been seen as a crutch for low-income consumers, and lenders perceived as predators taking advantage of their needy situation. In fact, payday lenders are now targeting "good, hard-working, middle-class people" with median incomes of $30,000 or more.
One local resident, a pipefitter, routinely paid off one loan before taking out another to cover bills. In this manner he was able to avoid the high interest costs associated with borrowers who failed to meet their repayment obligations on time. It appears payday lending to the middle class is a trend that's here to stay.
Thursday, February 21, 2008
A CASH ADVANCE SUCCESS STORY
A CASH ADVANCE SUCCESS STORY
THE CASH ADVANCE: A SURVIVAL GUIDE TO TODAY’S TOUGH ECONOMY
Lisa B. is a young woman living the dream: a nice apartment and two beautiful children. Thrifty and hard-working, she’d never had financial problems, even on a teacher’s salary. But lately, rising rent and gas prices made it a little harder to make ends meet.
By sticking to a tight budget, she usually made it through – that was until one day, when she broke her ankle slipping on any icy sidewalk. She had insurance, but that wouldn’t cover all her medical expenses. Suddenly she needed some cash, and fast! But where could she turn?
She’d considered taking out a bank loan, but didn’t want to go through all the credit hassles. She’d been late on a card payment once, and feared her credit score wouldn’t measure up. She thought about asking her parents for the money, but they were on a fixed income. What could she do?
The next day, leg propped up, eyes fixed down on her laptop, she did a web search for “cash advances.” It turned out to be a lifesaver – she could apply right online, without having to go to a bank. It only took a few minutes to answer a few simple questions, and soon she was on her way to securing some badly needed funds.
Lisa qualified easily – she had a job, a checking account, and was a U.S. citizen. What’s more, she didn’t have to answer any embarrassing personal questions, or undergo any humiliating credit checks. In just a few hours she received an email letting her know she’d been approved for a cash advance; the next morning when she checked her account, there was another $300 in it. Now she could afford to pay her deductible, and still have money left for food and gas – not to mention cover a utilities check she’d written.
Like Lisa, you too can apply for a cash advance to cover your short-term cash needs. The sites we’ve featured on our home page are a great place to start looking.
THE CASH ADVANCE: A SURVIVAL GUIDE TO TODAY’S TOUGH ECONOMY
Lisa B. is a young woman living the dream: a nice apartment and two beautiful children. Thrifty and hard-working, she’d never had financial problems, even on a teacher’s salary. But lately, rising rent and gas prices made it a little harder to make ends meet.
By sticking to a tight budget, she usually made it through – that was until one day, when she broke her ankle slipping on any icy sidewalk. She had insurance, but that wouldn’t cover all her medical expenses. Suddenly she needed some cash, and fast! But where could she turn?
She’d considered taking out a bank loan, but didn’t want to go through all the credit hassles. She’d been late on a card payment once, and feared her credit score wouldn’t measure up. She thought about asking her parents for the money, but they were on a fixed income. What could she do?
The next day, leg propped up, eyes fixed down on her laptop, she did a web search for “cash advances.” It turned out to be a lifesaver – she could apply right online, without having to go to a bank. It only took a few minutes to answer a few simple questions, and soon she was on her way to securing some badly needed funds.
Lisa qualified easily – she had a job, a checking account, and was a U.S. citizen. What’s more, she didn’t have to answer any embarrassing personal questions, or undergo any humiliating credit checks. In just a few hours she received an email letting her know she’d been approved for a cash advance; the next morning when she checked her account, there was another $300 in it. Now she could afford to pay her deductible, and still have money left for food and gas – not to mention cover a utilities check she’d written.
Like Lisa, you too can apply for a cash advance to cover your short-term cash needs. The sites we’ve featured on our home page are a great place to start looking.
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