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Even twenty dollars is a lot of money if you need, but don't have it. Running out of funds is something that happens to all of us at one time or another: a bill you forgot about becomes due, something breaks and needs urgent fixing, or you just didn't manage to stick to your budget this month. When this happens, it's reassuring to know that you can get instant cash by getting a cash advance online.
An instant cash advance has helped many families out of a tight spot: you simply fill out an online application, can often get instant approval even with a low credit score, and receive the money in your bank account on the next business day. Of course, you should remember that this kind of instant cash advance is very similar to other payday loans: it's usually a short-term cash loan for no more than a few hundred dollars which you're expected to pay back on your next payday.
The main benefits are that, unlike a bank, companies that offer instant loans don't run a hard" credit check, so just completing an online application for a cash advance doesn't hurt your credit score. The fact that you can borrow money using your phone, wherever you are and at any time of the day or night, makes this the fastest cash loan you can get.
Benefits of Online Instant Cash Advances:
- The entire process is digital: you don't have to visit an office, and you can submit your application at any time from anywhere.
- A poor credit history doesn't disqualify you from this kind of loan - as long as you have an income, which may be from Social Security or similar sources, lenders will be willing to talk to you.
- You can borrow small sums without facing ridiculous finance charges. Any cash amount from $100 to $5,000 is on the table.
- Approval is nearly instant in most cases, and you can get the money you need within 24 hours - this can make all the difference in an emergency.
- You're able to compare all the different packages for which you qualify side by side, with a clear explanation of each one's fees, interest rate, repayment period, and other terms and conditions.
The Bottom Line
Abusing payday loans is not something we recommend; if you need to borrow money to buy a new car, for instance, you should really be talking to your bank. On the other hand, if circumstances leave you with no option other than getting a loan, fast cash is generally going to be much more important than whatever finance charges you'll have to pay on it. In this kind of situation, an instant cash advance can easily be a good short-term solution.
DirectLoanTransfer will help you do the math. We and our large network of lenders aim to be completely transparent about all fees, interest charges and conditions with all our customers. If you should ever need an instant loan again in future, we'll even streamline the process: your personal details remain on file in our secured servers so that you'll always have options when it comes to getting the cash you need in an emergency, fast.
Many people have a poor credit score due to their own careless decisions, but many others are virtually excluded from the financial system due to nothing more than bad luck. This is unfortunate and unfair but, luckily, you can still get access to an emergency loan by going outside the world of formal banking. Online lenders who are willing to look at factors other than your credit report offer one avenue you can explore when you need a little help staying solvent until the end of the month.
Because the loan is only short term and the cash advance amount is small, instant cash advance providers don't need you to pass a thorough credit check to qualify for a cash loan. Instead, your ability to repay the money, plus the interest and fees, is guaranteed by your income and the fact that you have an established bank account. The entire transaction can be completed without the three major credit scoring bureaus ever hearing about it.
If you have very poor credit, however, you may find it more difficult to qualify for any kind of short-term loan, including an instant cash advance. You may be asked to provide more information, have to pay a higher interest rate and fees, or only be able to take out smaller cash advances. Luckily, there are numerous lenders who're willing to consider an instant cash loan regardless of your financial history. Unlike with high-credit loans, instant approval is not guaranteed, but if you're patient and willing to work with your chosen lender, you can still get the money you need.
The trouble with borrowing small sums is that most banks just aren't geared to this kind of transaction. If you withdraw cash at an ATM using your credit card, for instance, you may have to pay a flat fee of $15 regardless of how much money you take out. Overdrawing your bank account works in much the same way: you'll probably be fined $35 or more, and the amount doesn't even matter.
This problem is one reason why instant cash advances are so popular. Regardless of how much or how little money you need, the application process remains pretty much the same, while the fee structure is usually based on the amount you request and not some arbitrary number. This makes getting an instant cash loan online an excellent choice if you only need a hundred dollars (or even less) to cover some urgent expense or keep your head above water until your salary is paid.
Financial stress often causes people to make bad decisions. When you really need cash as quickly as possible, it's easy to be fooled into taking the first offer that comes along, without looking at the fine print, the total cost of the loan, or the possible consequences.
The truth is that instant cash advances and responsible borrowing can indeed co-exist; you just need to do your homework and make sure that you deal only with companies that don't cut corners. The majority of cash loan providers do indeed play by the rules, but you certainly don't want to get involved with one of the bad apples; vetting lenders and their business practices is one reason why loan referral services exist.
When you need a cash loan fast, simply log on to DirectLoanTransfer.com or a similar website, supply a few personal details like your ZIP code (payday loans, including instant cash advances, aren't available in all states) and compare different loans online - there are hundreds of companies that can supply you with instant cash when you need money urgently, so you'll most likely have several options to choose from. You will then be referred to the actual lender so you can review all the terms and conditions. If you choose to accept these, your instant cash advance will be processed rapidly and you'll usually be paid either the same or the next business day. It really is that convenient.