With more and more consumers living paycheck to paycheck, even the smallest financial emergency can become a major issue. This is why the payday loan industry and its cash advances are gaining popularity across the country, as they can come in quite handy, bragging short terms and almost immediate availability.

Just how many times have we forgotten about a bill that becomes due, whether it’s an accident or a slip of mind? Let’s say that you forget to pay your car payment for a month or so and now your auto financing company has sent you notice informing you that your vehicle will be repossessed on Friday if the necessary payments aren’t made, but you won’t have the extra money until your next paycheck arrives in two weeks. You could bounce a check, and/or have your car taken, but the fees and other charges would be astronomical. Plus, you’ll have no car to get to work. A cash advance is an ideal solution for you.

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There is no need to worry about your credit score, as cash advances and other forms of payday loans are based upon your current paycheck’s gross and net amounts. Sometimes these short-term lenders will grant your loan when you secure the note with a post-dated check for the full loan amount, plus all applicable fees. Your cash advance lender will simply deposit the check when the loan becomes due and keep all fees.

Currently, New Jersey has usury laws making any sort of cash advance/payday loan illegal, as the interest rates charged by a lender cannot exceed 16% annually. All fees added to a cash advance are considered interest in the state of New Jersey.

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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.