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.

How To Find Payday Cash Advance Lenders In Your Area

admin — Thu, 08 Jul 2010 22:52:33 +0000

When you need to find a payday cash advance lender, you don’t want to pick the first one that you see. There are a lot of factors that have to be considered when applying for a cash advance, and due to their very high price you want to get it right the first time! In this post I want to show you what some of these factors are so that your borrowing experience is a positive one, and you stay out of trouble!

If you’re looking for an online loan, check out our list of cash advance lenders.

For same day cash there aren’t many better ways to get it than with a cash advance, and getting your loan locally will help you put cash in your hand fast.

If you know someone who has experience with these loans, the best way to get an honest review of the ones in your area is to simply ask them. This is the safest way to get advice since it will be unbiased and honestly helpful.

Should you not know anyone that can help you out, there is another way. Either grab your phone book, or google “cash advance lenders in [your city]” to get the info on all of the ones that are in your area. From there, you want to call all of them up and get info about their rates, lending terms, and a feel for what the customer service is going to be like.

After calling a bunch of different lenders, you are going to get a feel for what the going rate in your area is like. Some companies won’t be helpful at all, but that’s fine because there are probably enough that are helpful that you can take your business to! You don’t just want the cheapest cash advance, you also want one that has terms that suit your needs. Some lenders offer different payment options and times when the loan is due to be repaid, so find the one that meets all of your requirements.

Another thing to ask about is the ability to pay the loan off early with prepayment penalty. This is an excellent way to save money on your loan, since every day that your loan is out it costs more money! You may or may not be able to afford paying the loan off early, but you want the option in the case that you are able to.

Some lenders will offer different ways to receive the money as well. Some will cut you a check that you will be able to cash there, and some will deposit the money directly into your bank account. If one of these options is better for you than the other, find the lender that will do it.

Generally, the way that you receive the money is how it will be repaid. If you were cut a check, you will write a postdated check to repay. If it was deposited directly, the funds will automatically be withdrawn from your checking account.

When you are on the phone with the company, it’s also important that you know what paperwork you are supposed to bring with you. Having everything that you need the first time will save you a ton of time and stress since there is no running around.

Getting a cash advance is a good way to get money quickly, just don’t start relying on them as a source of income. This is extremely dangerous, and will lead to major debt in just a few months. Use them sparingly, responsibly, and intelligently to keep your money safe!

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