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Looking for payday loan? Look no further!
We are proud to offer payday loans to anybody who needs them. No matter what your credit score or previous financial background, we will help you to get the quick cash that you need.
What is a payday loan?
A payday loan is money borrowed which must be paid back on your next payday. Our loans are processed quickly and work to help you during the month when you might be struggling.
You can take out a payday loan and get the money into your bank account within minutes. Use the cash as you like and then pay it back to us when your next pay check comes in!
Why get a payday loan?
There are many benefits to getting some emergency cash into your bank account at very short notice. Not everybody has the time and energy to be organized with their money, and sometimes keeping things in order simply isn’t possible.
One of the reasons why payday loans are so good is that the money will turn up in your bank account almost instantly. Wave goodbye to waiting for days on end for the loan to be deposited into your account. Our payday loans are known to have a very fast approval rate, and we realize that you need emergency cash as soon as possible in order to help you get back on track.
Since we don’t perform any credit checks when you apply for the payday loan, even those with very poor credit can benefit from being instantly approved. Our guaranteed payday loans have been handed out to those with bad credit, making them more popular than credit cards and overdrafts for those who have got themselves a bad credit rating.
We understand that you have a busy schedule, so we’ve made sure that our loans are completely faxless. With nothing to fax to us in terms of documents and paperwork, this speeds up the whole process, which means you’ll get the money very quickly.
Who can get a payday loan?
In order to get a payday loan, you must be at least 18 years of age. You also need to have a bank account and a steady source of income. By law, you cannot get a loan in any form until you’re 18 years old, and the bank account provides somewhere for us to deposit the money. You need to have a source of income so that you can pay back the money on your next payday, and you don’t get into further financial difficulty by being unable to make repayments.
How is a payday loan different from other loans?
You might be wondering why payday loans are so different from other loans. Apart from being no teletrack and completely faxless, they are intended to work as a short-term solution to your financial problems.
Since they are meant to help you in the short-term rather than the long-term, payday loans are often limited. This means that you cannot borrow thousands of dollars all at once like you might be able to with a bank loan. The great thing about this is that it ensures that you don’t borrow more money than you can really afford to pay back.
The small amount of money that you borrow is intended to help you with personal bills, getting the car fixed, buying a quick outfit for a wedding at short notice or anything else that you might need to use the money for. The emergency cash is, of course, meant for emergencies rather than just for fun. This is what makes a payday loan different from using a credit card or your bank overdraft.
Getting a payday loan
We have worked hard to make the whole process of getting a payday loan as easy as possible for you. While it might seem very difficult to get a loan from your bank or other lenders, it’s the opposite when getting a payday loan from us.
In order to apply for a loan, simply fill out our quick and easy online form. You will have to input your personal information, such as your bank account, date of birth and full name. As soon as we receive this, we will process it quickly and deposit the money into your bank account as soon as we possibly can.
Once you receive the money, it’s entirely up to you what you spend the cash on. You can choose to spend it on yourself, important household bills, your family or an adventurous trip somewhere new. The possibilities are endless and it is, of course, completely your choice.
We’re here to help you
We are here to help you get the money that you need as quickly and simply as possible. Our team handles applications very efficiently and swiftly to make sure that you’re not waiting for the money that you really need.
If you have any problems throughout the process, whether it’s during the application, after you receive the money or when you’re repaying the loan, our team members will be on hand to help you whenever you need it most.
OK – what are you waiting for?
Now you know all the great benefits of getting a payday loan and how the process works, what are you waiting for? If you need some quick cash and you’re struggling to think about where you could get it from, you have the answer!
Remember that bad credit won’t stop your application from being approved, so even if your credit score is at the lowest it’s ever been, you can get the emergency cash that you need straight away without any hassle and worry.
Guaranteed Payday Loans in 1 Hour
Are you in need of some quick cash? Then you might want to try getting payday loans in just one hour. That is arguably the fastest way that you can get some cash. Just as long as you meet the requirements of the companies that give them out, then you should get the money that you need. Do not be too worried about the requirements. Statistics show that about more than 80% of those who file an application get approval.
Requirements for Fast Cash Advance Loans
Now, you might be wondering about the requirements for borrowing money Some companies might ask for additional info, but normally most legitimate payday lenders would only need the most basic details such as your name and date of birth and most importantly the information such as your employer’s name and your savings account details. Since guaranteed payday loans are based on your employment and the paychec, the information about the employer is crucial. The bank account in turn is needed because that is how the money is going to be transferred.
When you compare the requirements for a fast short term loan, they are far less demanding than what other financial institutions such as banks expect of you when you are trying to borrow money from them. They would seek all kinds of documentation first. Just getting all the necessary paperwork would eat up a great amount of your time.
Payday loans online
Aside from the fact that there is far less information that is going to be needed to apply for guaranteed payday loans in 1 hour. You do not have to fax anything or write a check for the amount that you are borrowing along with the fees.
Fewer Requirements for Faster Processing
The obvious advantage is that you can expect to get the money much faster with far less trouble than what you would have to go through if you were getting some other financial product. You can apply for your guaranteed payday loans while at home or at work as long as you have access to a computer.
One Hour Processing
When you go online and you check out the websites of companies that offer online personal loans, one of the first things that you notice is the claims of how fast they can process your application. It is quite common to see one hour processing time ads. There are some that go on to claim that they can do it even faster than that. You know that it can be fast and instant, but can you trust it to be that fast?
How to Speed Things up Even Further
If you would like to get your guaranteed payday loans right away, then the first thing that you need to make sure is that you should provide all of the needed information accurately. If you withhold some details, then that might delay the processing or even end up getting your application denied, though that is something that legit payday lenders rarely do.
Payday Loans Online is fast. You can usually have the money in your bank account within 24 hours, sometimes sooner. The application is very fast, especially if done online. You will need this documentation: Government issued ID’s such as a driving license or military ID or a passport. Proof of employment such as pay stubs or a bank statement showing direct deposit. Proof of residency, a utility bill with the same address on your i.d. is usually enough. Proof of bank account. These documents can be faxed or scanned to a lender.
High Rate of Approval on Payday Loan Applications
A little extra money to meet your urgent expenditures is possible with Best Payday Loans. These advances can support you in filling the financial gap between any two consecutive payday checks. You can take a small loan from our moneylenders and make quick payments on expenses such as utility bills, bounced check bills, auto repairs, and family expenses. As an online brokering company, we are continually engaged in building a closer relationship between customers and money lenders and help them obtain best payday loans.
Getting a simple, small loan from $100 to $1000 is quite possible with our network of lenders. Our lenders will help you every step of the way with the loan process. They will also match you to the best possible Annual Percentage Rate (APR) which differs between lenders and from state to state. Keeping in view our customer’s urgent requirements, we do try to minimize the formal procedures. We strive to get you an easy payday loan without any delay and match the best lender for your needs.
To accomplish it, we have enabled three simple, consecutive steps that will support you with urgent advances needed-
3 – Simple Steps to Make Easy Payday Loans Available
- Fill out an online application form for payday loanson our website.
- Receive an approval and confirmation of the loan within MINUTES
- Receive Cash deposits into your checking account next business day
Along with the payday loans online application you would be required to submit three important documents indicated by the lender upon approval of the loan. This is required in order to e-sign the agreement between you and the lender matched for you. This could include but not be limited to following documents:
- Age proof
- Income proof
- Residence proof
Payday loans guidelines make it possible to issue payday advance to residents of USA above 18 years, and who have monthly income up and above $750.
We do suggest our customers to furnish the right information during the application process for proper verification with authentic sources. Any incorrect information about the personal details on the application can result in rejection of your loan application for online payday loans.
All information required along with the terms and conditions of the contract will be provided by the lender upon approval on the loan. Our cash lenders are trusted lending financial institutions and all of your personal information is handled in a safe and secure manner.
Why wait? Fill out the online form/application provided on our site in total confidence and upon approval you be contacted directly by the matched lender with the details of the loan agreement.
Representative APR Range
Express-cash-loan.com is not a lender and does not provide payday loans but refers consumers to lenders who may provide such loans. Express-cash-loan.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process.
The APR on payday loans can range from 176% to 2,100% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.
See the following example of the APR calculation:
Borrow $200 for 14 days with a $30 to $60 lender fee. Your estimated APR is 391.07% to 782.14%
Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End of Range: ($30 / $200) * (365 days / 14 days) x 100 = 391.07%
High End of Range: ($60 / $200) * (365 days / 14 days) x 100 = 782.14%%
Implications of Late Payment
Contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date. Your lender will set its own late payment fees in accordance with state regulations. There are several courses of action available to them if your payment is late. For more information about your lender’s late payment procedures please review your loan agreement or contact your lender directly.
Implications of Non-Payment Financial Implications
Your lender may also charge you late fees for non-payment as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.
Express-cash-loan.com is not a Lender, and is not involved in debt collection. If you are late or miss a payment on your loan, it is important to contact your Lender immediately. If a payment is missed and you do not speak with your Lender, it is possible your loan will be subject to collection. It is important you understand these terms and conditions, or discuss the process with your Lender directly. Collections practices of Lenders and/or any assignee(s) will be in accordance with the regulations of any applicable local, state, or federal regulations.
Some of the lenders in our network may automatically renew your emergency loans if they become past due. You should check your loan agreement for your lender’s policy on automatic loan renewal. If your loan is renewed, there will be additional charges as determined by your lender and the minimum term will be 15 days. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.
IMPACT ON CREDIT SCORES –
Www.Express-cash-loan.com does not make credit decisions nor does it ever conduct credit inquiries on potential borrowers. Some members of our lenders network may choose to conduct a credit check in order to determine your eligibility to qualify for a loan.
Payday loan activity generally does not show up on the credit reports you get from the three major national credit reporting agencies (Equifax, Experian, and Trans Union). However there are specialty credit reporting agencies that collect some of your payday loan history. It is possible that lenders may access this information when considering you for future loans.
In addition, if you don’t pay your loan back and your lender sells your payday loan debt to a debt collector, it is possible the debt collector would report this debt to one of the major national credit bureaus. Debts in collection could impact your credit score.
Payday loans online has an advantages.
Successfully retiring your loan or paying it off will put a very positive mark on your credit history. Also, quick cash-advance loans disappear off your financial radar within a few affordable payment. You do not have to worry about months and months of repayment. Now some lenders do offer a roll-over option. Which means that you will incur more charges and interest. Be careful though, you do not want your quick cash advance loan payment you need for middle-of-the-month emergency to become a part of your monthly budget.
A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, “regardless of whether repayment of loans is linked to a borrower’s payday.” The loans are also sometimes referred to as “cash advances,” though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Payday advance loans rely on the consumer having previous payroll and employment records. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.
To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate (APR) that any lender, including payday lenders, can charge. Some jurisdictions outlaw payday lending entirely, and some have very few restrictions on payday lenders. In the United States, the rates of these loans were formerly restricted in most states by the Uniform Small Loan Laws (USLL), with 36%-40% APR generally the norm.
There are many different ways to calculate annual percentage rate of a loan. Depending on which method is used, the rate calculated may differ dramatically. E.g., for a $15 charge on a $100 14-day payday loan, it could be (from the borrower’s perspective) anywhere from 391% to 3733%.
Applying for payday loans is very simple. You do not need to meet with representatives of the lending company ten times before obtaining a cash loan. The number of documents you need to submit with your application is significantly reduced compared to what you have to present to the bank officer.
When you fill out the application for guaranteed payday loans direct lenders, you must ensure that you have all the necessary documents such as your bank statements and pay slips. If you refuse to provide these documents as proof of employment, you will postpone the loan process. The approval is based on your employment history, as well as having a valid bank account. This is because legitimate direct lenders deposit money in a legal checking or savings account. Credit check is usually not required. They just need proof of your employment.
Although some have noted that these loans appear to carry substantial risk to the lender, it has recently been shown that these loans carry no more long term risk for the lender than other forms of credit. These studies seem to be confirmed by the SEC 10-K filings of at least one lender, who notes a charge-off rate of 3.2%.
Payday loans online Amounts
How much do you need? Hopefully you have a budget that shows how much you need and the amount your going to be able to pay back and how soon. The lower limits for these loans is usually about $100. That may seem meager but in the right hands at the right time it can be a lot. The average quick cash advance loan is usually around $500. There are lenders willing to lend up to $1500. Once your lender has these documents, your emergency cash is not far behind. You will not find cash this fast with so little effort anywhere else.
Once someone with bad credit is rejected by traditional sources, the easiest and most often used next step is the payday lender or local pawnshop. These people specialize in giving loans to anyone and therefore getting money is easy. Yet, the results that they give you are often more harm than good.
- Insley, Jill (2012-07-12). “GE Money refuses mortgages to payday loan borrowers”.The Guardian (London).
- Michelle Hodson ,fdic.gov, 18 November 2009, How Payday Loans Work
- Ebony. Retrieved 7 October 2014.
- Mayer, Robert (2012). “Loan Sharks, Interest-Rate Caps, and Deregulation”. Retrieved 27 August 2014.
- Carruthers, Bruce (2007). “The Passage of the Uniform Small Loan Law” (PDF). Retrieved 27 August 2014.
- $15 on $100 over 14 days is ratio of 15/100 = 0.15, so this is a 14-day rate. Over a year (365.25 days) this 14-day rate can aggregate to either 391% (assuming you carry the $100 loan for a year, and pay $15 every 14 days: 0.15 x (365.25/14) = 3.91, which converts to a percentage increase (interest rate) of: 3.91 x 100 = 391%) or 3733% (assuming you take out a new loan every 14 days that will cover your principal and “charge”, and every new loan is taken at same 15% “charge” of the amount borrowed: (1 + 0.15)365.25/14 – 1 = 37.33, which converts to a percentage increase (interest rate) of: 37.33 x 100 = 3733%).
- Megan McArdle,theatlantic.com, 18 November 2009, On Poverty, Interest Rates, and Payday Loans
- Paige Skiba and Jeremy Tobacman, 10 December 2007, : The Profitability of Payday Loans.
- Gold, Aaron. “Grounding the Policy Debate Through Economic Analysis” (PDF).
- “Payday Lending: Do Outrageous Prices Necessarily Mean Outrageous Profits”.
- “CFPB Data Point: Payday Lending” (PDF).
- “10-K Filing: ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.”.