Payday loans features

How will you be receiving the funds from your payday loan? As part of the application process, you will provide your bank account number where you wish to have 24 hour payday loans funds deposited. This information will be kept confidential and is completely secure. As soon as the approval of the loan is made, the funds will be deposited directly into your checking or savings account. 24 hr payday loans are available fast so you can handle those emergencies fast and keep moving forward.

What about the fees? Every loan or credit card has fees and next day cash advance loans are no exception. The fees will include standard interest fees, processing fees and other charges and fees. All associated fees will be paid in full along with the principal loan amount on the next payday. It is important to consider the fees and then balance them against the alternatives.

If you need next day payday loans to help you keep the rent covered so you can avoid high late fees and eviction fees, then the choice is clear. An overnight cash advance can help you save a substantial amount of money. The same is true of a situation where you realize your checking account is going to be overdrawn and you will be facing an avalanche of bounced check fees. You can expect to pay between $20 and $40 in fees for every $100 borrowed.

Can you handle the repayment? Overnight payday loan amounts are expected to be repaid on the next payday. The exact date will be written into the original loan contract. It is important to know that the loan will be withdrawn directly from your banking account on the morning of the date it is due. You will grant authorization to us to make the withdrawal and failure to have the necessary funds in the account will leave you facing fees from the bank as well as our own institution.

When accepting a cash advance overnight service, make sure that you will have the funds in your account to repay the loan. A payday cash advance today can help you save substantial money in other fees, but it must be repaid just as any other loan must be repaid.

Can you get an extension? When you get a payday loan today and discover tomorrow that the money will not be there to repay the loan on time, you can ask for an extension on the due date. Doing so will result in additional fees being charged as well as additional interest charges accruing. If you need a payday loan today, we will be here to help you. If you discover that you need more time to repay the same day payday loan, we can also work with you on a short extension.

Payday loans FAQ

What are payday loans and do they have any benefits?

Payday loans are a way to obtain cash when you need it for a short period of time. You can use the money to avoid overdraft fees from your bank, late fees on your loans and much more. When you make sure to pay your bills on time, you protect your credit score so that you don’t damage your personal credit.

These loans are very fast. In most cases, you can get the money deposited into your account as early as the very next business day. This helps you to pay the bills when they are due – not when you get paid.

Further, the loans will help you avoid costs. You should consider that you will probably be charged a $20 overdraft fee from your bank because of insufficient funds. Then you may be charged another $20 late fee from your creditor. This is $40 worth of fees, that compounded over the course of a year could end up being 500% or even more. Instead, the fees for payday loans are much more affordable.

Is my application secure?

Yes. Security is extremely important because we are dealing with your personal and financial information. Our website utilizes a 128 bit encryption for all of the forms and applications. When you look at the bottom corner of your browser window, you will see a little icon that looks like a lock. This is your proof that the site is properly encrypted. When you send us all of your information, you can rest easily that no third parties can view or access your information. We keep all of your information confidential and never sell your information to other companies.

Why is my application asking for personal information?

We must use your personal information to verify that you are the person asking for the loan. Some people use information fraudulently and we are working to protect you from identity theft. We also need your checking account information so the lender can deposit the money directly into your account.

How do I know if I’m eligible?

As long as you meet the following criteria, you will be eligible for a payday loan from us:

- Be a US citizen or legal resident

- Be at least 18 years of age

- Be on the job for at least three months

- Have a checking account

- Make at least $800 per month after taxes

How much money can I borrow?

There are state laws that often put a cap on how much we are able to loan individuals. You cannot borrow more than you can potentially pay back in a timely manner. The maximum amount that you can borrow with a cash advance loan is $1500.

How long does the approval take?

Once you submit your application, the lender will review everything and make sure the details are accurate. You can usually receive a response within 24 hours and some will even take less time – some within minutes. State regulations may also require you to submit additional details before the approval can take place.

How do I get the money?

You will receive an email confirmation that your loan application has been approved. We will then automatically transfer the money into your checking account, which can sometimes be as fast as the next business day. You will then be able to write checks, use your debit card or visit the ATM machine to get the cash as you normally would.

Do I need good credit? What about collateral?

Collateral is not going to be required for a short term loan such as payday loans. As for your credit, there is no check for your credit score for payday loans. The reason for this is because the lender utilizes your employment record to confirm that you will be able to pay back the loan. Future paychecks are what you would use to pay the money back, which is what they are primarily concerned with.

Are there fees involved?

You will not need to pay any fees to submit your application – that aspect is free. The only fees involved with payday loans are the fee you will pay to the lender when you actually borrow the money.

Can I change my mind?

Yes. You are under no obligation to go through with the loan. The application is simply an interest to get more information. You are able to withdraw your application anytime that you wish.

How long do I have to pay back the money?

The lending period is often based upon state law. Usually, you have until your next paycheck, so somewhere in the range of 8 to 25 days.

How many times can I borrow money?

You should always borrow responsibly and assess your financial situation before taking out a payday loan. You can take out as many as you need, depending upon whether you live in a state that limits the total transactions to four a year or not. You should also make sure that you never have more than one payday loan open at a time.

How do I repay my loan to the lender?

You can choose to payback the lender with a single lump sum at the due date or spread out the money over the course of the lending period. Some lenders will also allow you to pay an additional financing fee and extend your loan for an additional period.

Immediate Fax less Payday Loans

Do you want to get an immediate fax less pay day loan? Has something come up that you simply did not anticipate?

These loans are ideal for people who require emergency money on a temporary basis. Beneath, you will know the reasons why these loans tend to be preferred more than bank loans along with other lending institutions.

What exactly is an instant fax less payday loan?

Immediate fax less pay day loans are financial loans that are there for you when you have bad credit as well as given out in order to approve debtors in less than 1 hour.

Why might I need financing like this?

You’d need it if you want quick cash and don’t have enough time to wait for any bank in order to approve a your loan. There is no other way to get cash almost instantly, usually transferred to your bank account in less than an hour.

Banks often take too much time to say yes to loan applications if ever. If you have poor credit, you probably won’t get a mortgage from the financial institution anyway. But with this particular loan, it doesn’t matter if you have poor credit or even if you filled for personal bankruptcy. They will nevertheless allow you to submit an application.

And if you are employed, they will most likely approve. The key here is that if you are regularly employed and receive a monthly or bi-weekly pay check, then the payday loan operator will use this as some sort of collateral against the loan they are granting you.

What are the requirements to get a payday loan approved?

1. You have to be at least eighteen years old to use this service.

2. You should have a job since not less than three months ago and become currently operating there.

3. You must be the U.S citizen or U.K. citizen depending where you apply.

4. You mush have a lawful resident tackle.

How secure is it in order to submit my personal information to those loan companies?

It’s a very safe procedure. Your information is going to be protected through “https” site protection. Https is one of the greatest site protection features online and is trusted by online users. In addition all financial transaction are encrypted.

Personal Cash Advance

What is personal cash advance?

It is the lending of money for a short period of time and which is guaranteed by you as a person. As such you should make every attempt to repay your personal cash advance or pay day loan so that your reputation is not harmed. Personal Cash Advance is a newer form of lending designed to help people cover emergencies that arise every day. Personal Cash Advance should not be abused or as a remedy to debt problems.

At cleancreditok.com we urge you to shop the different payday loans that are displayed on the Web so that you can find the best personal cash advance or payday loan that fits your unique situation.

As none of us are the same, each with his particular financial and credit situation, the reasons we need a personal cash advance are different for each of us. It would also be wise to check your credit with one of the various credit report services on display within our site. We look for the best deals for you to save you time and energy in your search for information.

Whether you need a payday loan or a personal cash advance we will strive to bring you the best quality information and resources in order to help you make the best decision you can and which will help you to build your credit.

Your credit history is very important and you should strive to keep it in the best possible shape that you can. Remember to always check your credit score, usually once a year should be enough. It is important to protect yourself against identity theft and one way to do this is to monitor your credit report.

If you need credit report information and would like to know your rights you can learn more at the Federal Trade Commission website. Be sure to visit the site for information on payday loans and personal cash advance lenders.