Friday, April 22, 2011

Online Payday Loans

Where does all the time go?

The days seem to be getting longer and the amount we need to fit into each day appears to be increasing each week, month and year. If we can find ways to save time and get more done, we can also save our sanity at the same time. Nothing can be more important than making sure our finances are in order and there will be times where we feel we are not in control of our budgets or our bank account. Getting payday loans online can help alleviate some of the financial burdens that arise, help you out of an emergency cash situation and enable you to get back on track before your next payday comes around. As online payday loans involve a simple and effective process, they are perfect for people wishing to save face and get out of a tricky financial situation without having to ever explain themselves or be embarrassed by the cashless situation they have found themselves in.

Bank Loans vs Payday Loans

Traditionally, the process of obtaining a loan from a bank involved a great deal of anxiety, especially when waiting to hear the magic words that your loan has been approved. It could take several days or even weeks from the time you submit your application, to be approved and for the funds to then be deposited into your bank account. Some people unfortunately do not have the time to wait, especially if you have just received a letter in the mail saying your electricity bill is overdue and about to be cut off.  Finding a payday loan online has never been easier and has helped to take care of this anxiety.  Instant online payday loans are a great way to get the cash you need as quickly and as effortlessly as possible.

Getting cash fast with an online payday loan

If you need cash now for an emergency, you can now find a payday loan online and in a matter of minutes your loan request can be submitted. Wait twenty minutes to an hour and you'll know that your online payday loan offer is ready and on the table. By the next business morning your quick action will have paid off and your online payday loan will have been deposited in your bank account and you will be able to breathe a sigh of relief. These are the great advantages of online payday loans and many people all over the world have been able to benefit from this emergency cash system.

Emergency cash helps solve problems

Not having enough cash to cover the cost of something that is important to you or your family is a good reason to obtain an online payday loan.  If you are the breadwinner in your family, yet you don’t have enough food to put on the table for dinner, you might find yourself feeling like you have let your family down. However, obtaining an online payday loan will really help you get the cash you need without you ever having to face the embarrassment or shame of not having enough money or the ability to provide for your family. You can easily and safely complete a short one page application to apply for an online payday loan and only you and your payday loan lender need to know about your emergency situation.

Convenience of Online Payday Loans

Online payday loans are quick and convenient, and for many that have taken advantage of this opportunity in the past know that it can really be a lifesaver when it comes to saving face and providing for their family. Payday loans online are an arrangement between yourself and the payday loan lender, no one else will need to know.  The main thing you should keep in mind, is your ability to repay the full amount of the loan on your next payday, without leaving yourself short again.  While lenders do provide extensions they are usually not recommended.

Wednesday, April 20, 2011

How to get Instant Cash with an Overnight Payday Loan

Overnight Payday Loans

An overnight payday loan offers a means of negotiating a  short term economic emergency. It is a fast online loan that doesn’t involve credit checks. There are no restrictions on its usage so it can be used for absolutely any need. Despite the fact that banks won’t help those who have missed or produced late payments, a payday lender may well be in a position to aid. It is for that exact reason that personal loan lenders use an entirely different set of criteria to establish eligibility for a fast payday cash advance loan.


Eligibility for an Overnight Payday Loan

Payday cash advance loans usually don’t rely on credit scoring and in order to be eligible, the borrower will need to be at least 18 years old and have full-time employment with a minimum income of $1,200 a month. He/she must also have a bank checking account. Providing the borrower is able to comply with the above, they will usually be able to get an instant cash loan.


Instant Money Loan Interest, Fees and Charges

Being that the risk of the borrower defaulting is high, it reasons that an instant payday cash advance loan will be more expensive. The price of an overnight payday loan varies between providers, but it normally costs between $20 to $25 to borrow $100 for up to a month. Payday loans can often be extended at the original rate, usually up to four months. Failure to repay the loan on time can lead to extra charges and the matter being reported to credit reporting agencies.


How a Speedy Payday Cash Advance Operates

As soon as eligibility has been established and the borrower signs his/her loan document the funds will be deposited in the borrowers account via an ACH transaction and is usually available by the next business morning. An ACH transaction is similar to a direct deposit.  The loan is set to be due when the borrower is paid. The borrower will be responsible for paying back the principal (original amount borrowed) the fee that is charged for the loan. Provided the borrower completes their application and electronically signed loan document prior to 5:00 PM eastern time, the cash will reach the borrower’s account on the very next morning. If the application is received following this time, it will arrive the subsequent working day at the latest.


Pros and Cons of Payday Cash Advance Loans

An overnight payday loan can solve an urgent short term financial need, such as paying the rent, a utility bill, fixing your car or taking a beloved pet to the vet. While a loan can be taken out for any reason, it is inadvisable to borrow money for frivolous or unnecessary purchases. Bear in mind that taking out a loan will leave you with much less cash to pay the bills the following month. It is possible to get trapped in a cycle of dependency on payday cash advance loans, so please borrow responsibly. is a division of AtoZ Financials, LLC

Tuesday, April 5, 2011

Best Payday Loan Companies Survive on Word of Mouth Recommendations

Many people discover the best payday loan companies and the best offers via traditional word of mouth recommendations. These lender endorsements can come from family members, work colleagues or friends who have previous experience with them. People often ask relatives or friends to recommend a company when contemplating various purchases. Applying for fast cash credit in an emergency is a personal decision that requires a sensible approach. By looking for the best payday loan companies that people you know have told you about, and approved, is a great starting point.

There are thousands of payday loan lenders on the Internet to choose from when you are searching for a quick lending option. Many sites gather good payday loan companies together and analyze them to provide references for people to read online. These details and opinions can give you a lot of useful background information on good payday loan companies. They let you see beyond the prices and learn of real peoples good and bad experiences with lenders. Browsing these sites also provides a simple way to reinforce a spoken recommendation and find a few more suitable alternatives. You will need at least two or three lenders to be able to do any comparisons.

Even if you have family or friends recommendations it is advisable to also find a couple of the best payday loan companies yourself. Then you will have a varied selection of the best payday loan companies for further inspection and comparing. If you have researched lenders in advance for their customer feedback it will help you evaluate them in a better light. You can then list them for preference in terms of all aspects rather than concentrating on cost. The cheapest cash advance lenders of these very convenient borrowing methods are not always necessarily the best option.

The best payday loan companies earn their fine reputations by supplying a very professional efficient and secure service. They will process and deliver everything they promise in the finance agreement with clear and up front pricing. You will know exactly the total amount you will be expected to repay and the due date for payments to commence. The best payday loan companies are those that are easily contactable and renowned for their excellent customer focused attitude. It is worth remembering to take heed of word of mouth recommendations as the attributes of your chosen cash advance lenders have already been tried and tested. These personal test runs can guide you towards the best lender for your needs.

Speedy Payday Cash has pre-qualified the best lenders that we recommend and can assure you they are easily contactable, renowned for their excellent customer service, fast, safe and secure.  So, come let us help you find the best cash advance payday lender for you.

Friday, April 1, 2011

If You Are Short of Cash and Need a Quick Solution, Speedy Can Help

 When you're short on cash, you need a quick solution.

A payday loan lender is one of many options that can provide an efficient payday loan for a low rate. But just because we can get you a loan doesn't mean we sacrifice quality. You'll find that our service is courteous, respectful and our online team is readily available to help you.

Most people think it's difficult to get a payday loan. Think again! With Speedy Payday Cash, money is right at your fingertips. Connecting you with quality direct payday loan lenders that will loan in your area is our specialty! We've pulled out all the stops to get you the cash you need during your most difficult times.

With a simple application process and minimal requirements, you'll be well on your way to instant cash. We make it easy to get an approval.  We list all the direct payday loan lenders, we are certain, can get you a loan even if you have bad or no credit. So if your credit has stopped you from getting a loan in the past, it's no problem for us! Most of our lenders don't use Teletrack, so you don't have to worry about your poor credit.

Our loan approval requirements are easy: you must have been at your current job for at least 3 months, have a valid checking or savings account, and have a net monthly income of at least $1,200.

There are no documents to fax—everything is done over the Internet. This allows us to get you your money as quickly as possible—discreetly delivered right into your bank account! Once you're approved, our lenders offer plenty of options for repayment of your payday loan. We also make your payday loan easy by directly depositing the money into your bank account. There's no need to make a trip to the bank and waste your time and your gas.  Some of our lenders provide a free pre-paid visa card so returning customer can get cash within one hour!

For easy pre-qualified payday loan lenders, use Speedy Payday Cash as your trusted provider!

Customer Notice: A Payday Loan Lender should be used for short-term financial needs only and not as a long-term financial solution. If you are experiencing credit difficulties, we recommend consulting with a credit counselor. SpeedyPayDayCash only offer cash advance and payday loan in those states where permitted by the state banking authority.