30 Day Cash Advance
Many people, including teachers and state employees, are paid once a month. Their salaries are modest and they barely live from one paycheck to another. Sometimes, because of bank holidays or the need to pay a large bill a few days before a pay date, these individuals will find themselves short on cash. If they cannot find a source of a cash advance on their paycheck, they may end up having to pay late fees or bounced check fees as they try to guess how long it will take for their checks to clear. At other times, emergencies during any part of the pay period will cause a cash flow crisis. Depending on the timing of the cash crisis, a two-week payday loan may not be a realistic choice for the consumer who is paid less frequently.
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Now, some online lenders offer thirty-day loans as well as the standard two-week loan. Borrowers who need the flexibility of a thirty-day loan can search the Internet to find the right cash advance lender for them. The lender may charge a higher fee to write this type of loan, but in some situations, the extra fee is well worth the immediate relief.
Cash advances are available in amounts from $100 to $1,500, varying with the lender, the state in which the borrower resides, and on requirements that must be met by the borrower. Payment of the loan and transaction fee is due on the next payday (or within thirty days). Reliable online lenders will list the amount of the fee in both a flat fee and APR version, and will list all the requirements for the loan in plain language. The application takes only minutes to fill out online. Then, because information on the application is verified through large databases connected to the Internet, approval can be given in minutes, and cash is electronically deposited in the borrower’s account.
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Try not to overuse this type of credit. In fact, there are restrictions in many states on how often an individual can take out a cash advance loan in a given year. Only borrow what you really need, and pay it back at the end of the period.
To qualify for this type of short-term loan, you do not have to submit to a background or credit check; however, you may need to have a higher monthly income than you would need to get a two-week loan.
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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.
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