We understand that in our everyday life emergencies arise, unexpected circumstances will surface, or life just takes a tumble. In a time of crisis you need additional cash to help you through this time of need, to cover that child illness, car repair, or home repair regardless of what your credit score may reveal. We facilitate the process of connecting you with a lender to get assistance with the loan and monies needed before your next paycheck to cover your urgent need.
CASH ADVANCE LOAN
A cash advance loan, (also called: payday loan, payday advance, paycheck advance, paycheck loan, check advance loan) is a short-term borrowing practice at a very high rate of interest. The amount borrowed may vary and will typically include a fee in exchange for cash with repayment at the next paycheck, unless otherwise negotiated directly with the lender. In the event that the consumer faces debt or credit problems we recommend seeking debt relief through other sources such as debt management, debt consolidation, debt counseling, and debt settlement or consumer debt negotiation services.
HOW TO APPLY
The process is simple:
- Complete our online application and submit
- Provide your credit score
- Get pre-qualified and matched with a lender
Your credit score can vary depending on the reporting bureau, sometimes by as little as 100 points. The credit score recorded in your application may have an impact in being approved or declined for a loan. Sometimes credit reports may include inaccurate reporting which can impact your credit score, be sure your credit information is correct. Having an accurate score will help provide a more accurate lender match.
Based on the information provided within you loan application, we will evaluate the qualifying criteria and match you with one of the participating lenders that we estimate will fulfill your needs. Keep in mind that, should you qualify for a loan, your credit score rating has a direct correlation with the loan rate you'll be offered. Other qualifying criteria may apply, such as employment and minimum age. Not all applicants will qualify.
PERSONAL INFORMATION AND SECURITY
Your application is safe and secure. All personal information is protected. Rest assured that we have put into place all necessary mechanisms to protect your personal information and data in order to keep them private and confidential.
LENDER APR RANGE AND FINANCIAL IMPLICATIONS
The lender will disclose all pertinent information relating to the loan, which should contain all fees and rate information pertaining to the loan being offered to you by the lender at the time of approval. Lenders can charge varying APR rates ranging from 30% to 2200% APR. The loan fees, interest rates & APR rate are determined solely by your lender and depend on the information provided in your application, the amount borrowed and repayment period. Failure to maintain the terms of the payment agreement or schedule may result in increased interest rate, late payment penalty fees, and others costs being assessed, i.e., administrative costs, legal expenses, compounded interest, etc. Applicable fees may vary according to allowable State penalty assessments.
RISKS OF LATE PAYMENT OR NON PAYMENT
Failure to repay the loan borrowed according to the lender terms may results in adverse reporting to credit agencies affecting your credit ratings, being sent to collections, assessment of late fees, as well as additional financial repercussions outlined in your lender agreement.
RENEWAL INFORMATION & FEES
Lender will proceed according with state regulations. Loan may be able to be renewed. Renewal terms option will be specified in the loan agreement and can be made manually or automatically. Administrative fees may be associated with loan renewals. Renewal fees may range according to lender, amount of the loan, and lender's terms. Review the Financial Implications section of the agreement on renewal options and default implications on renewals.
Lenders are subject to the Fair Debt Collection Practices Act (FDCPA). A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Lender debt collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) must be expressly authorized by the agreement creating the debt or permitted by law. Lenders must adhere to the FDCPA stipulated collection practices and not engage in any unfair practices.