Wednesday, July 4, 2012

Payday Loan Qualifications - What To Expect

Payday loan qualifications are different from other types of short-term loans. By establishing that you have a monthly income and meet other minimum requirements, you can receive a loan even if you have poor credit.

Established Regular Income

One of the prime requirements for a payday loan is that you have a source of regular monthly income. Most payday loan companies will ask for at least two months of employment history. However, you can also apply for a cash advance if you receive a monthly check from social security or a pension.

Depending on lenders, you will also need to have a minimum income between $800 and $1200. Some lenders will request a copy of your bank statement or paycheck stubs to verify financial information. Faxless applications do not require copies of these forms.



Open Checking Account

To apply for an online cash advance you must have an open checking account. Some lenders require the account to have been established for at least four months. They also may check that there are no outstanding checks on the account.

Minimum Age Requirement

Payday loan lenders require borrowers to be at least 18 years of age. Sorry kids, your parent can’t even co-sign for you. By having an established checking account, most lenders accept that as proof that you are of legal age.

Other Personal Information

Besides checking your age, cash advance lenders will request personal contact information including name, address, and phone number. Most online lenders process your application online, but others will call you to verify your information.

Additional Information

While most payday lenders will be satisfied with basic information, some may require additional terms. For example, some lenders will not approve loans to temp or freelance workers. They may also not approve a cash advance if you already have a payday loan with another lender. It is best to compare lenders’ terms to be sure you can qualify.

Qualify For Loan Amounts

To receive quick cash, you will also have to abide by your state’s lending laws. The maximum you can borrow is between $500 and $1000 based on your state’s laws and your income. Repayment schedules are also subject to state laws.
fast cash loans and pay day advances in the us: Pay day loans will in reality have the capacity to aid these people who've poor credit rating. This really is due to the fact you possibly can use the cash you have loaned to pay for a few of the money you owe that are delinquent, which in turn causes your negative credit score.




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  • Monday, July 2, 2012

    Nowadays, tremendous increase in the spending habits has made an individual expend beyond his means. At the end of the month you comprehend that you are left with little savings or no saving at all. You default in the payment of your bills which in turn becomes a bad debt. This bad debt adversely affects your credit score and you acquire a bad credit. What would you do now? Bad credit cash payday loans are like an illumination in your dark days of financial crisis.




    Bad credit cash payday loans are designed to unravel the tight financial situation. These loans are short-term loans that require no collateral. The borrower is required to sign a post dated cheque as a guarantee of repayment. The cheque holding the principal loan amount and other financial charges is kept with the lender till the next payday of the borrower. Once the loan conditions are authenticated the borrower receives the loan amount from the lender or it is directly transferred to his bank account.

    Although, bad credit cash payday loans carry a high rate of interest but this burden is not felt by the borrower as these loans solve the urgent financial crisis. In other words, the loan if repaid on time, with other financial charges is not an irrational charge to help you out in case of a financial emergency.

    One can use bad credit cash payday loans for any purpose. You can use it to pay off your electricity bill, medical bill, grocery bill etc.

    The borrower before applying for bad credit cash payday loans must have knowledge of his credit score. Knowing the credit score will help him get correct rates.

    If you take steps to repair your credit score, you can surely get bad credit cash payday loans at a reasonable rate of interest. First of all, obtain your credit report from a credit rating agency and check it for accuracy. Any unsolicited information should be immediately reported and removed. Try to make timely payments on your debts. These are a few measures that will help you to improve your credit score and get the loan easily at favorable terms.

    The most common method to apply for bad credit cash payday loans is to approach a local bank or financial institution. This method is regarded as conventional and the borrower is likely to face many hurdles in his way.

    Online application is the easiest way to apply for bad credit cash payday loans. The borrower can access infinite lenders through the internet. Just fill in the online loan application form and secure a fine loan deal.

    When you need cash urgently for any reason, apply for bad credit cash payday loans. You can avail the loan easily and make the repayment reasonably on your next payday.








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    Payday Advance A payday loan gives you a payday advance. With a payday cash advance, you will be granted a loan until your following payday. By way of example, should you are twenty days faraway from payday and your bills are due right now, apply for a unsecured guarantor loan. By availing a payday cash advance, it is possible to pay all your bills on time.

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