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No Credit Check Cash Advance

If you need an emergency cash advance to get by until your next paycheck, but you have a low credit score with the major credit bureaus, you may be able to get that cash through a cash advance or payday advance. To qualify for this type of short-term loan, you do not have to submit to a background or credit check. Instead, you can show the following:

• proof that you have been employed for a certain number of months
• proof that you have a bank account that accepts automatic deposits and withdrawals
• proof that you are at least eighteen and reside in the U.S.

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\Cash advance lenders now offer online storefronts that handle each loan with a totally automated Internet e-commerce system, including the initial application, the approval process, the initial money transfer to the customer’s bank account, and the repayment. 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 can be wired to the borrower’s account instantly.

Customers with easily verifiable employment and banking information can be approved for an online cash advance loan without ever presenting an actual document to the lender. Higher risk customers usually need to show employment or a steady source of income and banking stability. While there is no credit history check, the lender will make sure that a potential customer does not have other outstanding cash advance loans or any outstanding NSF (non-sufficient funds) charges on his bank account.

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Cash advances are available in amounts from $100 to $1,500, varying with the lender. Terms for repaying the cash advance type of loan are the same whether the borrower handles the transaction online or goes to an actual loan office. Payment of the loan and transaction fee is due on the customer’s next payday (or within two weeks). Reliable online lenders will list the amount of the fee plainly on their web sites.

Because the lender carries a great deal of risk for these unsecured, short-term loans, interest rates are high. However, because of the ease of checking an applicant’s information, many of these automated sites are allowing larger loans, greater flexibility in repayment, and lower fees. Many lenders will approve a small cash advance loan and will increase the amounts allowed when the first loan is paid in full, giving customers a chance to build a good credit history with the lender.

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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.