Cash Advance





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Welcome to our Cash Advance mini website. Here we provide the information you need if you are seeking an online cash advance loan. Here you will find a listing of popular online cash advance sources, additional resources for information about cash advance type loans, alternatives to cash advance loans, a chat room about cash advance loans and related topics, along with the current news about these type of loans.

Here you will also find our Personal Finance Book Store. At our book store you can find an assortment of books about many aspects of money management. Our book store is ideal for the individual who wants to learn more about how to better manage their money.

Cash advance loans are also referred to as Fast Cash, Quick Cash, or Payday Loans and their popularity has increased tremendously over the past few years. Before discussing some of the details about cash advance loans, it should be stated at the outset that these type loans should only be obtained if you are in an adverse financial situation and there is truly no other alternative, and the amount of money you need is no more then around $1500.00. Lets examine why.

To begin, these loans are very expensive, and the fees are quite high. These loans are meant to be paid back right away. When annualized, most of these loans would come to around 500% APR. The fees can vary, but the fee range is from $10.00 to $40.00 per $100 of money borrowed. Therefore, do not even think about getting this type of loan unless you are able to pay it back right away.

If the customer decides to hold off paying right away and decides to roll over the loan for a few more weeks, he or she ends up paying additional fees. Because of the rollover option with these loans, you could end up paying as much as $30 in finance charges on a loan for $100.

This is not to say that these loans should never be obtained, simply because some people get in a financial bind due to no fault of their own, and a quick, high interest loan may be the best and in some cases, the only viable alternative. For example, many credit card companies will apply a higher interest rate for future payments if a bill is not paid. So if you are unable to pay your credit card bill, it may be cost-effective to obtain a cash advance loan. Some people also want to avoid damage to their credit rating, due to non-payment of a mortgage bill. A $20 to $40 fee per hundred dollars borrowed could be a viable alternative to a higher credit score. So their are legitimate reasons as to why someone would want to obtain this type of cash advance loan.

The advantage to this type of cash advance loan is that if you have bad credit, you can still obtain the loan because the lender does not perform a credit check. The requirements for this type of loan are very basic and usually only require you to be working, making a minimal amount of money per month, and you need to be 18 years of age. The minimal amount of money that you need to be making varies between lenders, but is usually around $1200 per month. Some require you to have access to a fax machine. Usually the only other requirement is that the individual has a checking account so that direct deposits can be sent to the account.

But it should be noted that with slack requirements by the lender, the lender needs to cover the cost of people not paying back this cash advance type loan, and concomitantly still needs to make some profit. After all, the lender is in the business of loaning money in order to make money, but they need to cover the high risk associated with these type of loans. Because of this extra risk taken by the lender, they need to apply a very high interest rate on these loans.

The point being, if you do not have bad credit, you may be better off securing a loan from your local lender and not pay the super high interest rate associated with cash advance type of loans.

Fees per $100.00 of loan, and length of term of the loan can vary. The lenders are competitive and it is imperative to do your homework, and find the best terms for the type of loan that you want to obtain. Lenders usually charge a flat fee of around, $30-$40 per hundred dollars borrowed, per term length. A longer term can give you a lower APR. Terms length are usually 2 - 4 weeks. So when looking for the best lender, look at length of term and cost per $100.00 of loan. Look for longer term and lower cost per $100.00 of loan. In some cases. the amount that the lender will loan is dependent on the state in which you reside.





Cash Advance - Listing of Online Resources

Company Maximum Loan Allowed Website Link
FindMyPaydayLoan.com $1500 Visit Image
NeedACashAdvance.com $1500 Visit Image
Piggy Bank Cash Loans $1000 Visit Image
Fast Internet Loan $1500 Visit Image
Superior Payday Loan $1500 Visit Image
One Hour Cash $1500 Visit Image
PayDay One $500 Visit Image
Secure Cash Depot $1500 Visit Image
Nationwidecash.com Find out when applying Visit Image
AmeriCash Advance $1000 Visit Image
Sonic Cash $500 Visit Image
Fastbucks.com $100 - $500 Visit Image
CashAdvance.com $100 - $500 Visit Image
Advance America $100 or more Visit Image
Payday Loan Affiliate Up To $1500 Visit Image
CashNetUSA.com Up to $750 Visit Image
Credit.com Up to $1,000 Visit Image
Fast Payday Loans $500 Visit Image
Nationalpayday.com Up to $600 Visit Image
Women’s Payday Advance $1500 Visit Image
AdditionalEarnings.net $1500 Visit Image
maximumwages.net $1500 Visit Image
silentcashloanss.net $500 Visit Image
UrgentCashRelief.net $500 Visit Image
CheckCashCentral.net $1500 Visit Image
InstantPayEnrollment.net $1500 Visit Image
Payday Loans ABC $1500 Visit Image
Cashadvancecentral.com $1500 Visit Image
Cashloanbyphone Up to $1000 Visit Image
Pacific Cash Advance $100 to $2,500 Visit Image
CashApply.com up to $500 Visit Image
Allied Cash Advance Find out when apply Visit Image
CashAdvance.net $1000 Visit Image
CashAdvanceNow.com $500 Visit Image
Check Into Cash $100 to $1,000 Visit Image

If you own a cash advance company, you have a website, and you are not on the above list, go to the about page on this site and send me your URL and the amount of loan you can offer, and I will include you on this list.

As stated previously, the draw back to these cash advance loans is that they are very expensive. You should only secure this type of loan after you have looked into all the possible alternatives. So what are the alternatives to cash advance loans.

Cash Advances - Viable Alternatives and What Not to Do

  • As previously stated, if you have good credit, look for a loan from a small local loan company or a credit union. Sometimes forgoing your pride and asking for a loan from a friend or family member may be a better alternative. Just make sure you pay them back following the terms you agreed to. A sure way of losing a friend or creating a life time of distrust with a family member is to not pay them back. So be sure you have the means by which you can pay them back.
  • It is essential that you try to work with your creditors, and try to set up some type of payment plan which satisfies them, and one in which you can follow through with.
  • To prevent the adverse financial situation from occurring in the first place, try to always save some money on the side so that you have some financial buffer or back-up if you, for whatever reason, can not pay your bills. Only spend money on those things that you really need. To pay high car payments while barely being able to pay your rent or mortgage is an example of lack of frugality, and it is this type of thinking which may get you in financial trouble in the future.
  • Check with your bank if you can get overdraft protection on your checking account. Overdraft protection can help protect you from further credit problems.
  • Consumer credit counseling services should be contacted if you are having trouble working out a debt repayment plan.
  • If you need to get a cash advance loan, only borrow what you can pay back with your next paycheck.
  • Obviously never use a loan shark. A loan shark is a person or body that offers illegal unsecured loans at high interest rates to individuals who were unable to obtain a loan through the normal respectable means. Non-payment or late payment may result in blackmail or threats of violence. No money is worth your life.
  • Avoid getting a cash advance on your credit card. You’ll pay a sky high interest rate, 20 to 28 percent, depending on the card, and there’s no grace period.

Cash Advance - Conclusion

So as you can see, there are alternatives to cash advance loans. But if you have explored your alternatives and their appears to be no other viable option, shop around for the best cash advance loan and study the requirements of the loan. Read carefully the terms and conditions section of their website. Only obtain a cash advance loan if you can pay it back right away, and if you can afford to pay the high interest and fees.

For many people, obtaining a high interest, high fee loan is better then damaging their credit rating. A cash advance type loan may also be better then paying a high interest on future credit card payments. If you are really not sure what to do, look into consumer credit counseling services, and they may provide you with alternatives that are not mentioned here and some that you may not even thought of. They may even advise that, given your financial situation, a cash advance loan is the better alternative.

Cash Advance - Videos

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Cash Advance - News

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Madison Police Looking for Man Who Robbed Cash Advance Store - WHNT


Madison Police Looking for Man Who Robbed Cash Advance Store
WHNT, AL - 14 minutes ago
Madison Police are asking for your help to find a man suspected of robbing a cash advance store. He is Brent Deon Scott, 23. You can see his picture to the ...

Credit card cash advances for home down payments? - CreditCards.com

CreditCards.com

Credit card cash advances for home down payments?
CreditCards.com, TX - Nov 20, 2008
Drew Sygit, a certified mortgage planning specialist at Allied Mortgage in Rochester, Mich., says he's seen borrowers take a cash advance and give it to a ...

China Growth Development Reports Third Quarter 2008 Earnings - MarketWatch

China Growth Development Reports Third Quarter 2008 Earnings
MarketWatch - Nov 20, 2008
... 1212219 Advance from customers 269863 420587 Tax payable 99170 802351 Accrued expense (117609 ) 30725 Deferred revenue (5467843 ) (3738006 ) Net cash ...
China RuiTai Reports Third Quarter 2008 Financial Results Earthtimes (press release)
China Armco Metals Reports Record Financial Results for the First ... MarketWatch
Yuhe International Inc. Reports Third Quarter 2008 Results MarketWatch
Earthtimes (press release)
all 258 news articles

Dalrada Expands Marketing of PayDay Advance Services to 25000 ... - MarketWatch

Dalrada Expands Marketing of PayDay Advance Services to 25000 ...
MarketWatch - 55 minutes ago
The program provides an important, short-term cash flow tool for those who need it and we expect to expand the program on a monthly basis going forward. ...

Yen Heads for Third Weekly Advance on US Recession Concern - Bloomberg

Maktoob Business (press release)

Yen Heads for Third Weekly Advance on US Recession Concern
Bloomberg - 15 hours ago
The yen was poised for a second weekly advance versus the New Zealand dollar and a third against the British pound as US lawmakers held off taking action on ...
Yen Weakens as Stocks Rebound, Reviving Demand for Higher Yield Bloomberg
all 343 news articles

European, US Stock-Index Futures Rise; Asian Shares Advance - Bloomberg

Financial Post

European, US Stock-Index Futures Rise; Asian Shares Advance
Bloomberg - 12 hours ago
... raise cash by the Nov. 24 deadline, the Wall Street Journal reported, citing unidentified people familiar with the plan. CRH Plc will probably advance ...
European Stock Futures Advance; Asia Shares, US Futures Drop Bloomberg
all 52 news articles

Dean Foods CEO strikes advance stock deal - CNNMoney.com

Dean Foods CEO strikes advance stock deal
CNNMoney.com - 1 hour ago
He can also take cash settlement and keep the shares covered by the transaction, the company said. Besides the 950000 shares covered by Friday's agreement, ...

Advance America Awards More Than $60000 to Honor Everyday Heroes - MarketWatch

Advance America Awards More Than $60000 to Honor Everyday Heroes
MarketWatch - Nov 19, 2008
Campaign Help to Improve Lives of Others Advance America, the country's leading provider of payday cash advance services, today announced the winners of ...

Stocks advance moderately after sell-off - The Associated Press

Stocks advance moderately after sell-off
The Associated Press - 1 hour ago
The heads of the companies, warning that automakers are perilously low on cash, have been asking Washington for $25 billion in loans. ...

How the Rent-to-Own and Payday Loan Industries Fared in Election - RTO Online

How the Rent-to-Own and Payday Loan Industries Fared in Election
RTO Online, MO - Nov 5, 2008
The industry supported ballot initiative in Arizona to extend the current cash advance statute beyond its expiration date of July 1, 2010 was also ...
Payday Lender Announces Closures, Layoffs After Issue 6 Passes WLWT
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Finding A Payday Loan Company A payday loan can be the answer to your prayers But where do you find a reputable payday company You see their advertisements in the papers and on billboards but can they be trusted
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Payday Loan Arranging It Without Stress As with any loan you will have to provide information such as your drivers license a current bill that has your address on it a bank statement paycheck stubs your checkbook to the payday loan company This may seem like a lot to do but all you have to do is make a copy of everything and fax it Once they have this information your payday loan will be processed
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Payday Loan Explained A new business is on the rise in the United States today that can assist anyone in this situation Cash advance loan companies are a growing trend across the country
Cash Advance How Does It Work
Cash Advance How Does It WorK A cash advance loan is usually a shortterm loan that was designed to lend assistance to those in need of money when payday is too far away A cash advance loan can be any amount between 100 and 500 dollars and is usually quick and easy to apply for Because there are no credit checks anyone who has a job and a bank account qualifies
Cash Advance How Much Will It Cost Me
Cash Advance How Much Will It Cost Me It is important to remember that many cash advance loan stores will limit the amount of your first cash advance loan to approximate 300 Once you have become established with the company then loan amounts can be raised

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