Same Day Cash » actual cash advance lenders

Where To Find An Immediate Cash Advance

admin — Sun, 17 Oct 2010 00:36:20 +0000

There are a lot of ways to get an immediate cash advance, but only one way is probably going to help you out. In this post I want to show you all of the different ways and how long you can expect them to take, so that you’re able to figure out which one it is that you’ll actually be able to use.

For the sake of organization we’ll break this post up into online and local cash advances.

Online Immediate Cash Advances

One of the best ways to get started finding a loan online is to check out our list of actual cash advance lenders. There you will see who actually lends money online, which will allow you to remove the middle man and get your loan faster.

Using a direct cash advance lender is the fastest and safest way to get money online. Doing it any other way leaves you open to identity theft and getting a loan from a shady company.

So how long do online cash advances take? You can expect to get paid on the next business day, normally in the morning. It takes this long because your bank has to approve the funds transfer into your bank account. The lender will approve your loan in about an hour, but it’s then in the hand of your bank to actually get the money put into your account.

This gets a bit shaky when you’re trying to get a Saturday or Sunday cash advance. It may be as long as Tuesday for you to get the cash that you need.

The biggest benefit of using an online lender is that you don’t have to leave your house. This makes the most sense for those that live nowhere near a local lender, or is simply not able to make it to the loan office.

Immediate Cash Adances In Your City

If you live in a big city odds are that there are a few cash advance lenders in your neighborhood. They will usually double as a check cashing or Moneygram store.

The advantage that you get from doing this locally is that your advance is much faster. There is no dealing with banks since they will cut you a check on the spot, in an hour or so. Once you get the check you can either cash it right there, or head to your bank and deposit it into your checking account.

Another thing that might help you from doing this locally is that you’ll be able to talk with someone directly, which can help you get approved if you aren’t exactly qualified. Cash advance lenders are people too, and can be sympathetic.

To save money and speed this process up put together a quick list of the lenders that are in your neighborhood, then call them all up. You’re going to want to know what they’re charging and what paperwork you should bring with you to apply. The last thing you want to do is have to drive all the way back to your house because you forgot the right paperwork!

When it comes to an immediate cash advance there really isn’t a clear winner between online and local loans. If you want extra convenience, use online lenders. If you need your cash immediately, try a local lender instead. Just make sure that you think all this through before filling out applications. You don’t want to waste time chasing down an advance that you won’t be able to qualify for!

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!

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

List Of Actual Cash Advance Lenders (Updated!)

admin — Fri, 08 Jan 2010 00:41:47 +0000

I know that it’s hard to decipher who actually lends money online and who doesn’t. There are probably 50 sites that sell your info for a loan for every one that is an actual payday loan lender. If I had enough cash to let you borrow some, I certainly would. Unfortunately, I’ve been in the same situation that you’re currently in and trying to figure out who I should trust when getting same day cash online.

To learn more about what it takes to get approved for an advance, as well as some things that lenders don’t normally share with you, check out our post How To Qualify For A Cash Advance, then come back here and check out the list of lenders.

Quick List Of Lenders

If you don’t have the time (or patience) to wade through this very long post, here is a quick list. Clicking on any of these links goes to a short review that I wrote of each lender, along with the states that they lend in, and links to their site. The banner at the top or the text link at the bottom will take you to their site.

If this page is a little too messy for you, please check out our list of cash advance lenders by state. Just scroll down to the state that you live in and you’ll see who’s licensed to lend in your state.

*Updated 8/27/10* – It looks like Think Cash is halting their lending operations for a while. DO NOT apply for a loan with them, it won’t go anywhere!

*Updated 4/1/11* – Updated with coupon offers for CashNet, Quickquid, and Dollars Direct. Use the code CJCASH on the application to get 20% off of your application fees! Offer is good until 4/30/10. If you live in any of the states that CashNet lends in, apply with them, this is a great deal!

*Updated 4/13/11* – Removed Florida from the states Payday One lends in. Thanks to commenter Valerie for the tip!

*Updated 7/1/11* – Added Ace Cash Express, removed Speedy Cash.

Since I don’t actually lend any money I figured that it would be a good idea to put together a list full of legit cash advance lenders. Where available, I listed all of the states that each company lends money in. A quick way to figure out who lends in your state is to push ctrl+f on your keyboard to bring up the search function, then type in the full name of your state (California, not CA). From the find box you can click ‘next’ to go through all of the lenders that work where you live.

We have info on US, Canadian, and UK cash advance lenders. Scroll down to find the right ones for your country.

Updated again 8/26/2010 to add Cash Central, correct the states for Cash One, made all of the state names bold for easier reference, and get rid of all of the ones that were not direct lenders. This list is now completely comprised of legit cash advance lenders, none of the ones that shop your info around.

Legit Cash Advance Lenders In The US

Payday One

Payday One was one of the first online payday lenders around, and they are a direct lender. Their experience will help you get the money that you need as fast as possible. They aren’t as fast as some of the other lenders, but they approve more loans than the rest. On their website they have a little timer that shows you how much more time you have to apply today to get your cash tomorrow. You can expect your loan in your bank account the next 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 . Updated to show that they no longer lend to Arizona.

Apply today to get cash by tomorrow with PayDay One!

CashNet USA

CashNet is another old and trusted direct cash lender. They are much more helpful throughout the borrowing process than most lenders, and will have someone there to be able to answer any questions that you might have. This is extraordinarily useful if you’ve never borrowed a cash advance before!

They work in just about every state, but not all work in the same way. In a bunch of states they offer cash advances, some states will be only installment loans (like Think Cash), and others they offer the regular credit check loans. In other states they offer a loan matching service that pairs you up with lenders that work in those states. Check out all of the direct lenders in your state before going with a loan matching service.

Until the end of September, using the promo code CJCASH gets you 20% off of your application fees with CashNet!

The breakdown of these states are as follows-

Cash advances from West Coast to East – 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, Rhode Island.

Installment Loans – New Mexico, Illinois, South Carolina.

Loan Matching Service - Colorado, Nebraska, Iowa, Arkansas, Indiana, Kentucky, Tennessee, New York, West Virginia, Virginia, North Carolina, Georgia, Vermont, New Hampshire, Massachusetts, Connecticut, New Jersey.

Click for Cash with CashNet.

Payday Max

Payday Max is another legit cash advance lender. As you read through all of the different lenders here, you’ll realize that they’re pretty much all the same, but Payday Max has one glaring difference – First time customers get their loans discounted by 25%! They also offer a much more balanced rate structure than other lenders, which may save you money. You’re also going to have the option of a 30 day cash advance.

Payday Max is not a no fax lender. You’re going to have to fax over a bank statement and a voided check. I guess they figure that if you have to fax over your paperwork, the least they can do is give you 50% off!

Quick Payday Loans from Payday Max!

Ace Cash Express

Ace Cash Express is a well known lender that runs a lot of physical stores. When I lived in Arizona, these guys were some of the most common lenders that you would see. Unfortunately, they don’t lend in Arizona, or a lot of other states for that matter, but if you do live somewhere that they offer a loan they are a reputable choice.

One thing that sets ACE apart from many of the other lenders is that they have no problem working with people that have savings accounts, but no checking account. This is a big deal since most lenders won’t do this.

They don’t require direct deposit, and like most lenders they won’t lend to you if you’re in bankruptcy.

The states that ACE operates in are:Alabama, Delaware, Idaho, Kansas, Louisiana, Maine, Minnesota, Missouri, Nevada, and Texas.

Click Here to head to their site and apply.

DiscountAdvances.com

I may be wrong, but I have a feeling that DiscountAdvances.com and Payday Max are a part of the same company. They both offer 25% off interest rates for new customers, work in the same states, and share many other similarities.

The biggest thing that separates them is that DiscountAdvances.com says that they are a no fax cash advance lender. I really hope they are because faxing stuff is a major pain in the ass!

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 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.

Need extra cash? New customers get 25% off!

Think Cash

*Updated 8/27/10* – It looks like Think Cash is halting their lending operations for a while. DO NOT apply for a loan with them, it won’t go anywhere!

Think Cash is known for having higher first time loans than other lenders do. They operate very fast and after completing the application you’ll hear back from them almost instantly. I’ve personally used these guys before and I had an excellent experience. I got my cash fast, used it, and paid it back all without issue or problem.

One thing to keep in mind with Think Cash is that they do check your credit. This may be a surprise to many, but it leads to much, much lower rates than you’d find from companies that don’t check credit.

We’re working on a list of which states Think Cash currently lends in.

Go to ThinkCash.com.

Cash Central

Cash Central is another of the ‘old school’ online cash advance lenders. What sets them apart from the pack is that they pride themselves on playing everything by the book. If you aren’t sure about whether or not cash advances are legit, Cash Central is for you. They really go out of their way to show you that they are licensed to lend in each state that they operate in, and they provide all sorts of help on how to build a budget for yourself and manage your money better. Another cool thing that they do is show you in depth charts of what your rates are going to be like by state and amount borrowed.

Cash Central operates 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.

Cash Central: A Higher Standard in Payday Lending.

Canadian Cash Advance Lenders

Dollars Direct

Dollars Direct is the Canadian version of Cash Net. I’m fairly certain that they’re the same company. They are a direct lender, which means that they’re the ones that give you the money. Dollars Direct currently operates in Alberta, British Colombia, and Ontario. Their website is actually pretty helpful, and gives you a break down of rates based on where you live, as well as how much time you have to repay it. Use the code CJCASH on your application to get 20% off of your application fee! Offer is good until 9/30/10.

Apply Now and get Cash Today from DollarsDirect.ca!

UK Cash Advance Lenders

PaydayUK

Since we operate in the US it’s hard for us to have any direct experience with UK same day cash lenders. What we were able to do is talk to people and read reviews of companies and the only one that we’re comfortable recommending is PaydayUK. They’ve been around for a long time, have helped thousands of people throughout the UK, and still get great reviews for their customer service and loan terms. Use the code CJCASH on your application to get 20% off of your application fee! Offer is good until 9/30/10.

Apply for a loan at PaydayUK.

Payday Bank

Payday Bank is a relative newcomer to UK cash advances, but they have made a name for themselves as one of the best online cash lenders around. They are a direct lender, so you apply with them and they give you the money. They do, however, require that you are over 18, and have a minimum monthly income of 750 GBP. Other than those requirements, it’s pretty easy to get a loan. They don’t check your credit history either. Click on that little icon to the left to visit their website.

These certainly aren’t the only options out there, but they are the only ones that we’re comfortable recommending. They’ve maintained good business practices for years and have an extremely low rate of screwing people over!

Same Day Cash Advance Lenders – What You Need To Know

admin — Tue, 17 Nov 2009 01:01:45 +0000

There are some things that you should know about same day cash advance lenders before you start applying for loans. I’m certainly not going to tell you not to get a cash advance, I’ve used them myself, but throughout the years I’ve figured out a few things that have helped me out a lot and I want to share those with you.

The most important thing about same day cash advance lenders is that they aren’t always going to get you money the same day. This is something that is out of their control. Online cash advance lenders work at the speed of the banks since the money is usually transferred directly into your bank account. This means that you can get approved for a loan, have it transferred to you, and not be able to use it for a business day or two. Your bank has to clear the transfer before the funds become available to you. Online cash advances are very, very fast, but can only work that fast when the banks are open and able to post your money. The only way around this is to apply for loans during business hours on weekdays. Financial emergencies usually happen when the banks are closed (Murphy’s Law) so this will throw a wrench into your plans.

Also, you have to know the difference between an actual online cash advance lender and lead generators. An actual lender will actually loan you money, a lead generator operates to get your information and send out your application to different lenders to get you approved. I can’t say that one is better than the other, but knowing the difference will help ease your mind while going through the application process. The easiest way to tell the difference is that actual lenders have APR % information and a returning customer login on their main page. A lead generator will only have some fancy graphics and a spot for you to fill out your information. When you fill out a contact form on a lead generator site, be prepared to have your phone ring from telemarketers and your email inbox fill up with loan offers!

Same day cash advance lenders do a great job of getting cash fast for their customers. When you know the stuff that I outlined above, the entire process will go faster and smoother, which means that you get your cash fast with less stress.