CashNetUSA, since establishing its online presence, has quickly grown to be one of the largest online pay day lenders. CashNetUSA is today part of Cash America Intl. Inc. (NYSE: CSH) and a publicly-traded company, which is one of the largest payday lenders leaders in short-term lending.  Today, CashNetUSA over 31 U.S. states and keep growing.  Their cash advance services provide customers with loans ranging from $100 up to $1,500 to face immediate money needs such as car repairs, monthly bills or emergency medical expenses.

Main features:

• 5-minute online cash advance application
• Instant approval; , cash provided next business day
• 24/7 customer service via phone, email or live chat
• Less-than-perfect credit OK
• No faxing or extra paperwork required
• Payday loan services from the convenience of your home

Qualifying for our payday loans:

• Have an active checking account
• Have been employed for at least one month
• Be a U.S. citizen or permanent resident
• Be at least 18 years old

Loan Amount:  $100 – $1,500 

Repayment term:  

CashNetUSA  provides  a small number of loans and the loan repayment term may vary.

Payday Loans: Payday Loans are short-term loans with a small dollar amount of up to $1500 that are usually repaid on your next payday that falls between 8 to 31 days away. Cashnetusa has different terms per state.

Installment Loans: These  are medium-term loans that , usually attracts  a higher loan amount than payday loans. The installment loans offered are currently at the range of 443.42% APR.

Lines of Credit:  This is a loan option that provides more flexible funding and repayment options than other short-term credit products. Interest is charged on the scheduled principal balance that is outstanding each day at an interest rate of 299% APR.

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Main features:

• Up to 1,500 in your back account as soon as tomorrow
• Instant payday loan application result
• All types of credit welcome
• Secure and confidential

Qualifying for our payday loans:

• Be currently employed or receive a regularly recurring income.
• Monthly payday is at least $1000 if employed or $800 per month on a fixed i6ncome.
• Your checking account receives direct deposit
• 18 years or older

Loan Amount: $100 – $1500.

Repayment term:  

The fee for payday loan is $30 for every $100 borrowed.  Paycheck cash advance loans are usually due on your next paycheck date. Usually, the standard time for loan repayment is no less than seven (7) days and no longer than (eighteen) 18 days. Payday loan may also be paid back early without prepayment penalties.

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Main features:

• No upfront fees
• No credit check
• No Employment versification

Qualifying for our payday loans:

• Be currently employed or receive a regularly recurring income.
• Monthly payday is at least $1,000 if employed or $800 per month on a fixed income.
•  Your checking account receives direct deposit.
• You’re 18 years or older

Loan Amount:  $100  – $1,500 .

Repayment term:  

The fee for payday loan is $30 for every $100 borrowed.  Paycheck cash advance loans are usually due on your next paycheck date. Usually, the standard time for loan repayment is no less than seven (7) days and no longer than eighteen (18) days. Payday loan may also be repaid early without prepayment penalties.

States not allowed: Alabama, Georgia, Maryland, New York, Maine

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Main features:

• Unsecured instalment loans with payment terms up to 60 months
• Auto loans
• Help with existing debt problems
• Mortgage relief
• Flexible payments
• Loans are approved in less than one hour

Qualifying for payday loans:

• Valid ID (18 years or older)
• Steady job/source of income
• Chequing account
• Direct Deposit
• Valid email address

Credit check:  depend on the suggested lender

Payday Loan Amount: $100 – $2,500

Repayment term:  

First Choice Capital Resources provides just a few selected loan options that with repayment terms that may vary in interest rates. Our two main types of unsecure loans described below:

Installment loans : Your interest rate will vary depending upon which product you accept from the approved lender. The installment loans are currently ranges between 6% up to 25% APR.

Payday loans:   Interest payments on payday loans, cash loans and instant loans repayment range ranges from 20% up to 900% APR

Repayment term:  

Rate and repayment information is based on your personal eligibility for a loan and varies per customer and depend on the types of unsecure loans received.

Please comment on our payday loan review

Main features:

• Unsecured instalment loans with payment terms up to 60 months
• Auto Loans
• Help with existing debt problems
• Mortgage relief
• Loans are approved in less than one hour
• Flexible payments

Qualifying for payday loans:

• At least 18 years old
• Employed
• Minimum monthly salary of $1,000.00
• Open checking account that has been in use for at least 90 days
• Current phone number
• Current employer phone number to verify current job status

Credit check: This is dependent on the suggested lender.

Payday Loan Amount: $100 – $1,500

Repayment term:

Four Seasons Cash provides a few selected types of loans for which the loan repayment term may vary. Four Seasons Cash provides secure and fast cash loans.

Please view the following information about payday lenders

Please comment on Four Seasons Cash Payday Loans.

Main features:

• Fax-free loan process
• Instant approval; cash provided next business day
• 24/7 customer service via phone, email or live chat
• Friendly customer service
• Fax-free loan process
• Low credit scores are no problem

Qualifying for our payday loans:

• Have an active checking account
• Have been employed for at least 1 month
• Be a U.S. citizen or permanent resident
• Be at least 18 years old

Loan Amount:  $100 – $1500

Repayment term: 

PayDay One loans repayment terms may very from one state to another, however, all payment changes must be made by 4:00 p.m. Central Time, the banking day before your scheduled due loan disbursement date.

• Pay your loan in full (this is what will happen if you do not make changes to your scheduled payment)
• Refinance your loan and pay just the interest and fees – you may use this option up to four times*
• Refinance your loan, pay the interest and fees plus 10% towards the principal – you may use this option until the loan balance is paid off

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Main features:

• No credit checks
• Cash as fast as 1 hour!
• Secure and safe
• Instant approval
• Confidential

Credit check:  depend on the suggested lender

Qualifying for payday loans:

• Current employment (or receive regular income)
• Make at least $1000/month
• Be 18 years of age or older and a U.S. citizen
• Have checking or savings account with direct deposit.

Repayment term:  

Rate and repayment information is based on your personal eligibility for a loan and varies per customer. Rate may vary by state, applicant information and lenders.  For example, loan of a $100 for 14 days could cost $25.00 in fees with an APR of 651.79%. The total amount to payback could be $125.00.

Loan Amount: You can borrow between 30-50% of your net pay, up to $1,000 instantly.

States excluded: Georgia, Ohio, Pennsylvania, North Dakota, Virginia & West Virginia are not eligible for a payday loan

Please comment on our Payday Loan  and Pdayday Lenders

Main features:

• No credit checks
• Cash as fast as one hour!
• No Fax Payday Loans
• Secure and safe
• Instant approval
• Confidential

Qualifying for our payday loans:

• Valid ID (18 years or older)
• Steady job/source of income
• Chequing account
• Direct Bank Deposit
• Valid email address

Loan Amount: $100 -$1500

APR of 651.79%.

Repayment term:  

It can range from $25 to $30 per $100. Payday loans fees are very competitive and are also consistent with the entire applicable condition and Federal Laws

Get Your Money Today

Immediate online approval NO FAXING NO CREDIT CHECKS

1. Apply For A quick Cash Loan With Our Online Application Form

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AmeriAdvance.com provides access to quick cash loans via the internet.

Our service is tailored to fit the needs of people who need extra cash and need it quickly.

We offer up to $1500 with no credit check and in many cases, there is no need to fax your information.

Our secure application is available 24 hours a day.

At AmeriAdvance.com, you do not need to go to a bank and wait in line.

Set your bank account up with direct deposit so you can securely get your cash loan deposited in the time you need it.

Need extra money to get you to the next payday?

Payday loans comes to the rescue. However, you should be prepared to pay the price which is usually a hefty one. But there are steps you can take to minimize the financial damage when using a payday loan.

What are Payday Loans?

Cash payday loans, post-dated check loans or deferred deposit check loans are high-rate loans and are intended to be used for short term purposes. Emphasis here is on “short term”, usually 14 days as most of us get paid on a bi-weekly basis.

The old economy created the idea of living payday to payday. However, as if that wasn’t bad enough, today’s economy doesn’t even allows you to get to the next paycheck. Current conditions now forces the potential borrower to write a personal check payable to a lender for the amount he or she wishes to borrow plus a fee.

The lender cashes the check and keeps the fee, of course. Ideally, this type of payday loan will get the borrower room to breathe and he/she can pay off the loan when he/she gets paid.

Let’s take a look at an example. Susan Borrower needs $200 and the cost is $30. She writes a check for $230 and the payday lender agrees to hold the check until her next payday that is usually 14 days away. After 14 days, depending on the particular plan, Ms. Borrower takes $230.00 in cash to the lender and takes back the personal check she wrote. Or, she can roll-over the check by paying a fee to extend the loan for another two weeks. Each time she rolls-over the check, she will pay a fee of $30. In theory, if she rolls-over the check for one year, she ends up paying $30 for 26 times or paying $780 for borrowing $200.

How is the payday loan fee calculated?

Usually, payday lenders charge a fixed fee per amount borrowed. For example: $10.00 for every $100.00 you borrow and it can be as high as $30 for every $100.00 you borrow. In the end, this translates into something like 700% annual rate of interest. And some people are worried about the 20% credit card interest rate?.

How can Truth in Lending Act help you?

Under the “Truth in Lending Act”, lenders must disclose the true cost of payday loans, which will help you compare available loan options. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis)

What type of collateral should you have?

Your personal check is the collateral. Reverting back to the old days of my word is my bond. But since many people break their words as easily as they would their bonds, lenders make these loans extremely expensive so that those who do pay will carry the cost of collection from those who do not pay.

What alternatives do you have to payday loans?

Firstly, contact your credit union or small loans company; find out if they offer any short term financial assistance from payday to payday. I know it could be hard to tell friends and family members about your financial hardship, but secondly, swallow your pride a little bit and ask them for help. Just make sure that you don’t swallow your pride too much by not paying them on time.

Thirdly, if you are borrowing to pay other debts or other bills, why not just ask your creditors for more time to pay your bills? Find out what they are willing charge for that service inclusive of late and additional finance charges, or a higher interest rate.

What steps can you take to reduce the cost of a payday loan?

When you need credit, I advise you shop carefully. Compare offers. Look for the credit offer with the lowest APR.

Compare the APR of the payday loan and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost.

Some firms will offer you a low cost guaranteed payday loan that helps you save time in comparison shopping. An example of this type of guarantee is that it “must be a verifiable, bona fide offer from an online payday loan provider. Excludes one-time, promotional offers, rate comparison must be based on a 14 day loan of less than $500.”

How to cure the payday loan problem not the symptom?

Pick up meditation and prayer and I don’t mean bombarding God or whatever higher power you believe in with requests for money. I mean take the time to get to know your “higher self” that will be able to help you look at life in a more balanced and realistic fashion. This knowledge can help you control emotional stuff that are major reasons for out-of-balance expenditures and emotional spending binges. Who knows, you may even be able to have a direct communication with God and straighten out more than your finances, like your attitude and behaviour to uncontrolled spendng.

Remember that the outer world is just a reflection of us inside and we cannot change our outer circumstances without changing what we think in our hearts.

The need for money usually stems from a combination of low income and lack of disciplined spending habits. Take steps to improve your income which usually starts with better money management education. Look for ways to improve your money sense and acquire new skills that can help you get better jobs and higher paying positions. I know it is hard to get enough energy at the end of 50 – 60 hour week to study. But, don’t you rather have the stress of studying for a better future for a limited time than to keep worrying about payday loans for years to come?

Also, with the Internet, you may have small business opportunities that did not exist before.

Take a good look at where your money went since your last payday. If an item shows up over and over, it is no longer a one-time deal. Make a budget that really reflects your monthly and daily expenditures. Try and save a little, so you do not need to live from payday to payday, but have a little financial buffer.

If you need help working out a debt repayment plan with your payday creditors or developing a budget, contact your local consumer credit counseling service. There are non-profit groups in every state that offer credit guidance to consumers. These services are available at little or no cost. Also, check with your employer, credit union or housing authority for no-cost or low-cost credit counseling programs.

Finally, if you decide you must use a payday loan facility, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.

What are the benefits?

So, what are the benefits to this payday loan? It sounds like there isn’t any.

With so many companies cropping out every day offering a payday loan service and thousands of individuals using them and even offering testimonials to their benefits, I have to concede that there are benefits to payday loans.

To start with, many times payday loans are really the only fast alternative to get you out of a financial jam. The qualification is hassle free. You can get a yes or no answer fairly fast and it can be done online.

In most cases there aren’t any credit checks when applying for a payday loan.

Some payday loan payday lenders do not even require you to fax them supporting documentation.

Your payday loan inquiry is kept confidential.

And you can have the payday loan in cash by the next business day.