Get a Fast Cash Loan

The cash loan industry has seen explosive growth over the past decade. The financial meltdown which occurred in 2008 had a chilling effect on the ability of many consumers to obtain personal loans from traditional lenders such as banks and credit unions. With tightening credit requirements and stringent financial guidelines, many people who previously may have had no problem qualifying for a loan now found themselves with few options when trying to access much-needed cash. Cash loan companies quickly stepped in to fill this financial void.

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What exactly are cash loans?

A cash loan can go by different names but generally ranges in amounts from $100 to $1000. It is meant to tide you over until your next payday when the entire amount (plus fees and interest) is due in full. They are called short-term loans for a very important reason - the repayment period varies but it's usually when you receive your next paycheck.

How do cash loans work?

The process for obtaining a cash advance (or payday) loan is simple and quick. All you have to do is fill out a secure online application form which generally just takes a few minutes. Most payday loan companies have very minimal requirements for applicants but it's important to note that not everyone will qualify for a payday loan. Credit checks are not normally done so approval times can be as little as 90 seconds. Once approved, the funds can be deposited into your checking account sometimes within an hour.

A payday loan agreement is the same as any other legally binding loan document. You agree to repay the loan in full (including any interest and fees) by the agreed upon date (normally your next payday). When this date arrives, you may have several options:

When is a cash loan the right choice?

Financial emergencies seem to happen at the worst possible moments. An unexpected car repair, a broken water heater, a bill that absolutely must be paid immediately- whatever the circumstances, a payday loan can be a financial lifeline when you need quick access to cash funds.

The state of the economy over the past few years has left millions of people without a financial cushion to rely upon when a monetary crisis occurs. A payday loan can help you meet your unexpected financial obligation by providing you cash money within a very short period of time.

Because cash loans have an extremely short repayment time, they should not be considered as a solution for long-term financial problems or overwhelming debt. Borrowing is a serious responsibility and you should have confidence in your ability to repay a payday loan in full when it is due.

What are the approval requirements to receive a cash loan?

Each cash loan company has its own set of requirements for applicants. In general, these usually consist of the following:

The amount of loan you are approved for normally depends on your income and how much outstanding debt you currently owe. Not every lender can give the maximum amount of funds and transfer times vary greatly among payday lenders.

Always borrow responsibly urges consumers to think carefully before accepting a payday loan. Even if you are approved, you are under no obligation to accept a payday loan if offered. Cash loans are meant to be repaid very quickly (normally within two weeks) and should only be used for true financial emergencies. is not an actual lender. This website attempts to match every loan applicant with an appropriate payday loan lender who can fulfill the loan request. does not play any role in the approval process and we do not have any influence on any loan decision.

We do provide an important service by providing consumers with a free and secure online application form which is simple and quick. We offer a unique referral service (at no charge whatsoever) to people who are looking to obtain an online payday loan as quickly and safely as possible.