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Using Payday Loans Can Save You on Bank Fees

Have you looked at your bank’s overdraft fees lately? They may be higher than you realized, and they aren’t decreasing anytime soon. In fact, most banks have increased their overdraft fees and other bank fees in the last couple of years. That’s more money in their pockets and less in yours.

But sometimes you just can’t seem to avoid going into overdraft. You have an expense that has to be paid and the money simply isn’t available in your account to pay it in full. So you make your payment, it gets covered by the bank and you are left to pay overdraft fees.

But what if you could avoid those fees entirely and save money when you start to run short? You would have to have another way to get money other than your regular income. That’s where payday loans come in. Usually, these loans are used to cover expenses that cannot be otherwise paid at the time. Then the consumer pays back the loan in its entirely when their next paycheck comes in.

Doesn’t that sound like a similar situation to when you are faced with an overdraft fee? If you know that your bank account is going to go into overdraft, then you can do something about it and avoid that fee altogether.

Now payday loans are not free, by any means. You will still have to pay back some additional cost on the loan, no matter how quickly you pay the loan back. But if you pay back in a timely manner and avoid any interest or late charges, then you can cut your costs considerably.

It all works out very conveniently for you as well. The payday loan can be approved quickly. Usually approval occurs within hours of your application. Once you are approved, the money will be sent to your account within 24 hours. That means you can have the money in your back account and waiting to avoid that overdraft fee.
You’ll still have to pay the various fees for the payday loan, but they could be far less than what you would pay to your bank. It’s best to compare the two costs to see which one is higher so you can make the best decision and save yourself money.

There are lots of smart ways to use payday loans, and if you know what you are doing, you can avoid getting yourself deeper into debt with one of these loans. Just be sure you are ready and able to pay the loan back in a timely manner. These are short-term loans, and as such, if you take a long time to pay them back, you could end up with considerable fees. But paying them back quickly can ensure you have the money you need without a lot of extra expenses.

How to Pay off Your Payday Loan

Before you apply for a payday loan, you should have a plan to pay it off, hopefully within the timeframe set by the lender. As a short-term loan, the cost of borrowing money from a payday lender can become very expensive the longer you stretch it out. So it’s in your best interest to have a plan in place to repay the loan as quickly as you can. If that fails, then here are some ways you can work to pay the money off fast.

Sell Something Valuable
If you have something you can part with and maybe replace later, then it may be best to say bye to it for the sake of your wallet. Payday loan fees are nothing to scoff at, so if you have an old car, a valuable antique, a prized collectible or something else that will fetch a decent amount of money, selling it off could be the way to avoid those fees.

Take on More Work
Sometimes just making more money is the simplest answer. You can take on more hours at your job, offer to work late shifts and earn more money per hour or take on another job for a short while. It can be stressful and taxing to have to increase your workload, but when you manage to avoid expensive fees because of it, it will be worth it. If you need another job quickly, start looking in want ads, ask friends about openings in their industries and try services like Craigslist or short-term work.

Refinance Your Loan
The upcoming charges and fees for your payday loan may be extremely high, but that could be just because of the terms you have set for them. If you explain your situation to the lender and let them know that you intend to pay the loan back but are having trouble meeting the initial timeframe, then they may change up the terms and offer you an extended repayment window. That way, your fees can decrease while you take longer to pay off the loan.

Modify Withholding Pay
We all look forward to a nice tax return every year, but that means that money has to be withheld from your paycheck every time you get one. If you want to make sure you are getting a bit more money for each paycheck, then you can ask your employer to change your withholding options and pay you the full amount until you have the payday loan taken care of.

How to Get a Short-Term Loan

If you need money quickly for a relatively small expense, then a short-term loan is probably your best way to go. You have a few options as to how you can get this kind of loan. Let’s look at the various ways you can borrow money for the short term.


Your first stop is probably the bank. While it may not be the best option, it is the most obvious. If you have a bank account, then it seems like a no-brainer to go ask your bank for help in getting the money you need.  Just be forewarned that they are going to want to look at your credit history and credit score. They have to make sure that you are not a risk to them at all and that they will get their money back. Banks are typically very choosy about who they approve loans for, even short-term ones.

Secured Loans

Another option is the secured loan. This is a type of loan that requires you put some collateral down. In most cases, that collateral is your vehicle, but it can also be a piece of jewelry or even the deed to your house. Anything that is yours to sell and holds value can be used as collateral, so long as the lender accepts it.  The lender will hold onto the deed, title or item itself until you pay back the loan. If you can’t pay in a timeframe they are happy with, then you will lose your possession.

This can be a risky way to borrow, and it’s easy to give up something you need or cannot replace just because you are desperate for money. Financial experts consider secured loans to be a last resort and only viable options for people who can easily repay the loans on time.

Payday Loans

What may be the best option for the majority of people is the payday loan. This is a short-term, high-interest loan by definition, so it fits the bill well. What’s great about these types of loans is that they almost never require a credit check. So even if you have a poor credit history, you may still be approved for the loan. The only real requirement that not everyone will be able to fulfill is having a steady income. In some cases, the lender may look at your bills, but usually they just want proof of income.

Keep in mind that if you fail to pay the loan back in a timely manner, you are subject to all sorts of fees that are going to be expensive. Be prepared to pay for the loan on time if you do apply for  this type of loan.

How Payday Loans Can Get You out of an Emergency

Just about every adult has been in a situation where they needed money but they didn’t have any available. Maybe their car broke down or their refrigerator quit working or they had to take a flight to help out a family member, but they just didn’t have the funds on hand.
The solution for most people is to either go without that necessary expenditure or find a way to get the money through unconventional means. That could mean asking a friend or family member for some cash or trying to apply for a loan. For many people, that last option is hardly an option at all. They believe that if they apply for a loan, then they are likely to be turned down.
That’s true of a bank loan, many times, but far less so when it comes to payday loans. The difference is that bank loans usually require a credit check whereas payday loans do not. That means that even people with poor credit can usually be approved for such a loan. But they need to know how to use it and what situations it is best suited for.
One of the best things about this type of loan is how quickly it can be sent to a borrower’s account. Many times, the loan is deposited into their account the next day. Approval usually happens very quickly, so the borrower has that money on hand in a short period of time. This allows them to pay off expenses that they have to have paid quickly. They don’t have to try to live without essentials for very long if they go the payday loan route.
That broken car, faulty fridge or expensive plane ticket can all be taken care of with the payday loan. There is no restriction as to how the money can be spent, but it needs to be spent wisely. If you aren’t sure whether you will be able to pay the loan back in a timely manner, then it’s best to look for an alternative way to get the money you need. That’s because payday loans are meant to be short-term solutions to your money problems. You are expected to pay them back quickly and in full, not spread your payments out over months or years.
While you can’t plan for emergencies, you still need to be careful about how you deal with them. Taking out a payday loan in the wrong situation can land you in greater financial debt. Be sure you are prepared to pay the loan back quickly if you take one out.
The payday industry protects you in this regard, ensuring that only people with steady income can take out such a loan. Generally, if you qualify for a payday loan, then you should not have much trouble paying it back on time.