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Cash advance loans or payday loans are typically short-term loans offered to a person facing unexpected financial difficulties including medical expenses, car repairs, or home bills. Cash advance loans in the United States operate in online websites through accredited lenders who offer loans ranging from $100 to $1, 000. Payday loans are convenient for all clients, especially those who have bad credit. Moreover, they do not carry out a thorough credit score on their clients.


Cash advance loans have a fast application process since it does not require paperwork or physical contact with most lenders. Additionally, they protect the clients’ information from external intruders, including the other lenders. Cash advance loans do not have an application fee; therefore there are no hidden costs for the application process. Cash advance loans require the borrowers to fill out an online application form where they write a check indicating the amount of loan. The check is repayable to the lender on the borrowers’ payday whereby they collect the loan.  They help borrowers to handle their additional debts by solving the unexpected incidences and avoid the unfortunate cycle of repaying the other loans and borrowing.



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Borrowers should be over 18 years old and a permanent resident of the United States. They should have driver’s license and a valid email address. Additionally, borrowers should have an active bank account for depositing and retrieval of the loan and a pay-stub to verify their employment. Lenders of cash advance loans do not require any collateral like a house or car to secure the loan.


Cash advance loans are ideal when a person has an emergency situation such a medical emergency or car repair. However, borrowers should be careful when applying for these loans because they have higher interest rates compared to the other types of loans. Failure to repay cash payday advance loans leads to more debts and lowering of the credit score. Therefore, payday loans should be the last option when seeking financial assistance.

Borrowers should be certain on repaying these loans before proceeding to apply. They should spend payday loans for urgent needs rather than luxurious and unnecessary purposes like purchasing a television or clothes.  Borrowers should consider whether the interest rates are ideal for them, particularly during the repayment period. However, borrowers who repay their loans on time are assured a positive credit score which eventually lowers the interest rates on the other loans including car loans and mortgages.

The Alternative Options

Cash advance loans offer the best option in urgent circumstances, but late repayments can lead to more debts. Therefore, borrowers should consider borrowing in other sources to avoid additional debts or lowering their credit score. Borrowers should first make realistic budgets to avoid unnecessary purchases like clothes. Therefore, borrowers should plan for their daily and monthly expenses as well as adopt a saving plan to help them solve some emergency scenarios like car repairing. Similarly, borrowers should seek loans at their credit unions that offer loaning services to their members at competitive rates.

Borrowers should contact their lenders when they are facing difficulty in getting money to repay the loan. Moreover, they can request for an extended period to repay the loan before the due date. This is necessary to avoid higher interest rates or additional fees. Borrowers should also contact credit counseling services to gain help on how to handle their debts and develop a budget. Before applying for a payday loan, borrowers should shop for the credit with the least cost including loan fees and interest rates. Additionally, borrowers should find out if their respective banks offer an overdraft protection for their checking account. Further, overdraft protection helps to protect credit problems, which may arise from a mistake in the account records.