Same Day Cash » actual cash advance lenders

Actual Cash Advance Lender: Payday Loans Today

admin — Wed, 15 Sep 2010 22:31:41 +0000

Payday Loans Today is a real cash advance lender based out of Nevada. Even though they are a fairly new lender, they have some things that set them apart from the pack.

First off, Payday Loan Today has very low rates when compared to other lenders. The average rate for a cash advance is usually around $25 for each $100 that is borrowed, but Payday Loan Today only charges $15. This saves you a ton of money, and is a good reason to check this lender out!

The problem is that they are not a no fax lender. They require that you fax them a copy of your most recent paycheck stub and a copy of your bank statement. A lot of people stress about getting a copy of their bank statement, but if you have online banking you can print it from right there.

To get approved with Payday Loans Today you’re going to need a minimum $1000 monthly income, not be a temp worker at your job, and have direct deposit. I know that the direct deposit thing is a bit of a bummer, but if you have it than I don’t see a reason why this lender wouldn’t approve your loan.

Payday Loans Today lends in the following states: California, Colorado, Florida, Illinois, Indiana, Maryland, Michigan, Minnesota, Pennsylvania, Tennessee, Texas, Virginia, and Washington.

Get $500 within 24 Hours! Fast, Quick & Reliable! Guaranteed Paycheck Advances!

Real Cash Advance Lenders By State

admin — Sun, 12 Sep 2010 01:36:52 +0000

Finding a legit cash advance lender is tough to do, this is why I’m working to put together a complete list of the companies that will actually lend you money. It may surprise you that for all of the thousands of websites out there that are “offering” cash advances there are only a comfortable that I’m confident recommending.

The criteria that I used when putting together this list is as follows:

They actually lend money, not shop your loan out to other people
They’re licensed by each state that they lend in
They’re no fax (with the exception of Payday Max, but they’re new customer specials make up for that)
It’s easy to find the rate that you’re going to pay on their website
They can get you money by the next business day at the slowest
And are an all around legit company

So far I’ve only been able to come across six of these lenders in the US. There are so many shady lenders out there that it’s hard to believe that there are so few! I have four more on my radar that I have yet to fully inspect, but as I do this list will be updated.

This list doesn’t include any local lenders that you might have. Your phone book is the best place to find those. These are all online lenders that are licensed to lend money in your state.

Everything is sorted alphabetically, so just scroll down until you get to your state. Clicking on any of the links will take you to a page that I wrote with more information.

Alabama

Alaska

Arizona

Speedy Cash

Arkansas

California

Payday One
CashNet USA
Payday Max (Except in Sacramento)
Discount Advances (Except in Sacramento)
Speedy Cash
Cash Central

Colorado

Nothing yet.

Connecticut

Delaware

Florida

Georgia

Nothing, cash advances are very much against the law in your state!

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Cash Central

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Payday One

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

CashNet USA

Washington

West Virginia

Wisconsin

Wyoming

And as always, you can head back to our list of cash advance lenders if you’re looking for more information. This list is going to be updated whenever I can verify another lender. Last update was 4/11/2011.

Actual Cash Advance Lender: Payday One

admin — Sat, 11 Sep 2010 23:54:36 +0000

Payday One is another ‘old school’ cash advance lenders. They have been lending online since 2002. Think Cash is their parent company, and they are one of the most legit lenders around!

One cool thing about Payday One is that they don’t make huge promises that they can’t deliver. Many lenders say that they will lend up to $1500, but to qualify for a loan of that size your yearly income would have to be about $75,000! Instead they say that their loans are between $100 and $500, which is the same that you’ll get at any lender, but they are completely honest and upfront about it!

Like most of the other lenders that we talk about on this site, they are a true no fax payday loan lender. However, if there is something that they aren’t able to verify on your application you will have to fax the paperwork to them. This is rare, but you should still do everything you can to be as thorough and honest on your application as you possibly can.

Applications sent after 5PM CST will be processed the next day, so if you’re using Payday One, do so early in the day!

Payday One operates in the following states: Alabama, California, Delaware, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Michigan, Missouri, Montana, Nevada, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

If you want a cash advance lender that has a lot of experience helping people out in your situation and will be upfront and honest with you throughout the entire process, Payday One is the way to go!

Apply today to get cash by tomorrow with PayDay One!

Actual Cash Advance Lender: Speedy Cash

admin — Sat, 11 Sep 2010 23:30:52 +0000

Back when you could still get cash advances in Arizona (and I still lived there), Speedy Cash was the first lender that I ever used. It was a surprisingly simple experience, and it looks like they’re still maintaining that high level of service.

They lend in many states, and can provide loans in Arizona when many other lenders are not able to. The cool thing is that Speedy Cash isn’t breaking the law by lending in Arizona, instead it’s like a cross between a cash advance and a title loan. You need to own a car, but it doesn’t necessarily have to be paid off to qualify. Rather than paying your loan back next payday, it will be stretched into several biweekly or monthly payments.

They are also a real no fax cash advance lender. That means that you don’t have to send them anything with your application, but in the small chance that they aren’t able to verify something you may be required to fax some paperwork to them.

They lend money in Arizona (title loans only), Alabama, California, Hawaii, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Rhode Island, South Dakota, Utah, Washington, Wisconsin, Wyoming.

If you’re looking for a lender that isn’t going to jerk you around with stuff that you really don’t need, Speedy Cash is the way to go. They’re very fast and provide excellent customer service, which is really all that’s necessary when you need money right now!

Click on the link for Fast Online Cash Advances!

Actual Cash Advance Lender: Cash Central

admin — Sat, 11 Sep 2010 23:00:47 +0000

Cash Central prides themselves on being the most legit online cash advance lender. They go well out of their way to show you that not only are the licensed to lend in the states that they operate in, they also do so ethically and transparently.

I believe that these statements from them are true, but they don’t lend in very many states.

What’s really cool about Cash Central is that they honestly want to help you out. Along with your loan you can also opt in to getting help with your budget and tips for saving money in all aspects of your life. Even if you don’t want to get all of that information, it’s still something that increases respect and legitimacy for the company.

Cash Central is a no fax cash advance lender, but they may require that you send some paperwork if they aren’t able to verify something electronically. Just make sure you know where to find a fax machine just in case you need it.

Cash Central operates and is licensed in Alabama, Alaska, California, Delaware, Hawaii, Idaho, Kansas, Louisiana, Maryland, Minnesota, Missouri, Montana, Nevada, North Dakota, Rhode Island, South Dakota, Texas, Utah, Washington (state), Wisconsin, and Wyoming.

If you’re looking for a lender that you can trust is legit and willing to help you out, Cash Central is the way to go. They don’t work in a whole lot of states, but if you’re fortunate enough to live one that they do, I recommend you at least check them out!

Cash Central: A Higher Standard in Payday Lending.

Actual Cash Advance Lender: CashNet USA

admin — Sat, 11 Sep 2010 22:38:53 +0000

CashNet USA was one of the very first legit online cash advance lenders. They use this experience to provide one of the best borrowing experiences that you can find online.

CashNet is a subsidy of Cash America, which probably has local cash advance offices right in your neighborhood. They are one of the biggest local lenders in the country, and are a publicly traded company (CSH).

So what sets them apart from the other lenders? They have the latest cutoff times for accepting loan applications in the industry. Getting your application in by 9PM CST on weekdays will get you cash the next day, and 7PM on the weekends puts in into your account on Monday.

You’re also getting a true no-fax cash advance. If they’re missing something from your application you may have to send it to them, but otherwise everything on your application will be verified electronically.

Unlike many lenders who require that you’ve been at your job for at least six months, CashNet only requires that you’ve been there for a single full month.

If you live in Washington, Oregon, California, Alaska, Hawaii, Idaho, Nevada, Utah, Montana, Wyoming, New Mexico, North Dakota, South Dakota, Kansas, Oklahoma, Minnesota, Missouri, Louisiana, Michigan, Wisconsin, Illinois, Mississippi, Alabama, Florida, Maine, or Rhode Island they will be able to approve your cash advance.

If you live in Colorado, Nebraska, Iowa, Arkansas, Indiana, Kentucky, Tennessee, New York, West Virginia, Virginia, North Carolina, Georgia, Vermont, New Hampshire, Massachusetts, Connecticut, or New Jersey they will pair you up with a different lender. Who will that lender be? I have no idea, but I do know that CashNet is a legit company, so it can’t possibly be that bad!

CashNet USA is one of the most trusted names in online cash advances. If you’re looking for someone who is very reputable and loans in your state, this is the place to apply!

Quick Cash When You Need It Most!

Actual Cash Advance Lender: Discount Advances

admin — Sat, 11 Sep 2010 21:19:48 +0000

Discount Advances is a heck of a lot like Payday Max on the surface, but there are some glaring differences that make this company a smarter choice. The biggest thing that they have in common is that new customers get their first loan 25% off. If you’ve ever used cash advances in the past, you know that they’re pretty darn expensive, so getting your interest cut like this is going to save you a lot of money!

The first difference is that Discount Advances has a rewards program for customers that borrow from them more than once. With this program you get 30% off of all of your future loan interest. I hope that you don’t ever have to rely on cash advances, but this is a nice perk!

The biggest thing that sets them apart from Payday Max is that they are a no fax cash advance lender. Your entire application process will be handled online. If they have a problem verifying your information, they may need for you to fax them some stuff, but most applicants will not. This is extremely helpful!

Discount Advances operates in Alabama, Alaska, Arkansas, California (except in Sacramento), Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming.

California residents have to pay attention to the fact that they lend everywhere in the state except for Sacramento. Why is this? I haven’t the slightest idea! If you live in Sacramento, check out CashNet, they lend in the whole state.

If you’re looking for a lender that’s going to hook you up with a low rate, without having to fax any paperwork, Discount Advances is the way to go!

Need cash for bills? Get up to $1500 overnight!

Actual Cash Advance Lender: Payday Max

admin — Sat, 11 Sep 2010 21:08:57 +0000

Payday Max is a legit cash advance lender that operates in a lot of different states. One of the biggest things that separates them from most lenders is that if you’re a first time customer, you’re going to get 25% off of your first loan. If you know anything about cash advances, you’ll know that this is going to save you a ton of money!

The problem with Payday Max is that they are not a no fax cash advance lender. You’re going to have to fax over some paperwork to them, which normally includes a voided check, bank account statement, and a paycheck stub. If you have a fax machine, or know somewhere that has one close by, this isn’t a big deal. But if you’re like me and don’t really know how to even use one, this may be a problem. Check out Discount Advances if you aren’t able to get to a fax machine, they have the same first time customer special and don’t require that you fax stuff to them.

They lend money in the following states: Alabama, Alaska, Arkansas, California (except in Sacramento), Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming.

If you live in any of those states (which you probably do) and have access to a fax machine, this is the lender for you! Click on the banner up top to go to their website for more info!

Need Cash Fast?
New Customers Get 25% Off
Get Started Now

How To Know If Your Cash Advance Was Accepted/Approved

admin — Fri, 10 Sep 2010 18:40:30 +0000

Not knowing if your cash advance was accepted or approved only adds more stress to your already stressful situation! Fortunately, there are a couple of things that you will get to show you where you’re at in the process. In this post I’ll explain this to you, as well as one very important thing that you should not do while waiting on your loan.

Before we go any further, it’s important for you to know that I, or my website, do not lend money. We do have a list of legit cash advance lenders for you to check out, but this site is not a lender. Each lender is going to have their own specific practices, and this post is going to reflect my own experience with using online cash advances and what I’ve learned from the relationships with the lenders that I’ve gained from having this website.

So how do you know that your application was accepted? Check your email, you should get conformation within ten or fifteen minutes. Obviously, check the same email address that you used to apply for the loan with. Most lenders are going to do everything via email, so this is going to be your point of contact. There are still a few lenders that are going to call you, so have your phone near you as well. They are more likely to call you to clear something up on your application than they are to let you know that your loan was accepted.

The same thing goes for your loan’s approval. How long it takes is really up to the lender, but most are going to let you know in about an hour, but it can take several depending on how busy the lender is and the day of the week that you’re applying on. Again, you’re going to be notified via email, but also have your phone close by just to be safe.

What You Absolutely, Positively Should Not Do While Waiting!

Now I know that you’re stressed out and need money right now, but the worst thing that you can do is to go and apply for another loan while you’re waiting to hear back from the first lender. You’ll probably end up having to pay some sort of application fee to them, and your loan application is going to be declined almost automatically since the lender will be able to see that you just applied with a different company.

Another, more rare scenario would have you getting approved for two loans. That might sound great right now, but how in the world are you going to be able to pay all of that back on time?!

If you have a phone that fetches your emails for you go take a walk, or lift some weights, just do something that is going to help you get your mind of your current money problems. Sitting around your computer is just going to make you even more frustrated. Instead do something positive and chill out for a few minutes!

How To Qualify For A Cash Advance

admin — Sat, 28 Aug 2010 19:20:34 +0000

Getting a cash advance is pretty dang easy, as long as you meet the basic qualifications. It’s important that you understand that each lender is going to have their own specific requirements, and that what we’re discussing in this post should just be used as a basic outline. The good thing is that these basics are very common among every lender, online or local.

Towards the end of this post there are also some things that lenders don’t tell you that are going to help you out a lot!

Employment Requirements

You need a job to get a cash advance. Some lenders work with government benefits, disability, etc., but it’s rare. If you’re in that boat, pay a visit to your local lenders to see if they can help you out.

Not only are you going to need a job, but you’re also going to have to have been there for a while. Most lenders require that you’ve been there for at least six months, but that varies from one to another.

What if you’re self employed or get paid in cash? There’s a lot of grey area here. The key is that you’re able to prove your income one way or another. As long as you can prove what you earn with check stubs, bank account info, or other means, you are probably fine.

Income Requirements

This another area where things are going to be different from one lender to another, but there is always a minimum that they have set. It’s normally between $800 and $1000 per month, but some will go much, much lower. If you earn over a grand a month, you have little to worry about in this category.

Bank Account Requirements

This is something that all lenders are the same on, you’re going to need a valid checking account that’s been open for at least a few months, and is not in the negative.

The reason for this is that without a checking account, there isn’t a way for the lender to get paid back. Or in the case of online lenders, there isn’t a way for them to pay you. The cash is going to be deposited directly into your checking account, and withdrawn automatically when the loan is to be repaid.

Direct Deposit Requirements

Most lenders have no problem working with you if you don’t have your paycheck deposited directly, but if you do you’re going to have a much easier time getting approved for your loan. Like the bank account requirements, they withdraw the money from your bank account, and if you have the option to not deposit your check you’re a heck of a lot more likely to not pay your loan back.

Other Requirements

The only two other requirements that don’t fit in with those above is that you have to be over 18 years old, and are a citizen of the country that you’re borrowing in.

Do You Have To Fax Any Paperwork?

If you don’t have any problems with your application, you shouldn’t have to fax anything over. Faxing paperwork over is quickly being phased out. However, if they have any problems verifying what you put on your application they will either ask you to fax some stuff to them, or they will just decline your application.

So How Do They Verify Your Info?

You would be surprised how much information there is about you. There is a company called Teletrack that does the info verification for cash advance lenders. It all happens online, through (what I assume) is public records that they have access to.

So What Are They Verifying?

We all know that cash advance lenders don’t check your credit, but there are quite a few things that they check in place of that. They first check to make sure that everything you put on your application is true. Assuming that checks out, they then look at your recent financial history. What they’re looking at is if you’ve recently filed for bankruptcy, how often you overdraft your bank account, and if you have any outstanding payday loans. If you don’t have any of those, you have very little to worry about!

How Much Can You Borrow?

Almost all lenders will cap your loan at 25-35% of your total monthly gross income (before taxes). What that means is that if your monthly pretax income is $1800, you’re going to be able to borrow somewhere between $450 and $630.

Can You Apply To Multiple Cash Advance Lenders At Once?

Yes, but you never should under any circumstances. Applying for multiple loans is going to lead you getting multiple loans. That extra money might seem great on the surface, but there’s no chance in hell that you’re going to be able to afford paying all of them back! Also, when lenders are verifying your information, they’re going to check if you have recently applied for loans, or have any outstanding ones, which may result in your loan application being declined.

What Happens When You Extend A Loan?

In short, you’re quickly on the road to serious debt! You’re going to be required to pay at least the interest gained on your loan during the period, then your next payday you’re up for another payment. What happens is that there are all sorts of fees placed on your loan, which will add even more to your interest amount. In short, don’t do it.

So apply for one, wait for it to be approved or denied, then move on to the next.

I hope that I covered everything that you need to know before applying for a loan. Now head back to our list of cash advance lenders to find the right one for you.