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Best Cash Loans: How to Get Cash Now?

When one needs money badly, a fast cash advance loan can save the situation. Loans of this type are allowed in most states, so almost everyone needing money fast can get a loan today officially. However, it’s important to choose the right type of a fast loan and make sure you are eligible for it.

I Need Money Now: How Can I Get It?

If you are in urgent need of money, you may look for anyone who lends you the needed sum. But if you don’t want to bring your friends and relatives into your financial problems, then you can apply for a fast loan and get money now. There are plenty of lenders, providing their services in the territory of the US. Depending on your location, you can apply for a loan online or in-store and have the money now or the next day.

How to Loan Cash Now?

To loan cash now opt for the fastest types of credits. These are so-called payday loans or cash advance loans. To get a loan quickly choose a reliable lender providing its services in your state, visit its website, and submit a simple application online by filling in a plain form with minimum information. Of course, to get loan now you need to be a citizen of the USA with a valid US passport. Also, you need to have a confirmed income source, as you’ll be requested to provide the employer’s name and phone number.

Once you’ve submitted an application, wait for its approval. Usually, it takes 10 or 15 minutes. Right after that, you must confirm your intention of taking a loan. The funds will be credited directly to your checking or savings bank account as soon as possible. In most cases, the funds’ transfer takes as little as one working day.

Consider the Expenses

Availability of cash loans has a flip side – a high cost. It’s a convenient option if you need cash now, but it is important to keep in mind that the interest rates of cash advance loans are pretty high. Also, those needing money now need to remember that in most cases payday loans are to be repaid in a lump sum, though some lenders offer more flexible terms. Whenever it is possible, try to opt for an installment loan. If there is no such possibility or you want to get loan today, then cash advance credit is the only options: it is fast but pretty expensive.

I Need Money Now. What’s the Cost of Money Loans?

The particular terms and expenses vary from one lender to another. In average, the size of cash advance and payday loans ranges from $100 to $1000. The term of a loan varies from 2 to 6 weeks (usually, a month). AN average interest rate is 20-30 per cent per month.

For example, I need a loan of $100 for the term of 2 weeks. With the interest rate of 30% per month, I will repay $115 in two weeks. If I need a loan now in the amount of $1000 for the term of 1 month, I’ll have to repay $1300 in a month. The total annual interest (APR) of payday loans can reach 400%.

Is It Real to Get a Same-Day Loan If I Need Money Today?

Those needing money now are recommended to apply for a loan offline (in-store) or early in the morning. When you go to a local store to submit an application, you can get the cash immediately after the approval. If you opt for an online application, in most cases, you'll have to wait until tomorrow, as the funds are transferred to your bank account not immediately but within one business day. The only exception can be a situation when you apply before 10 a.m. – then money can be transferred on the same day. However, few lenders offer this possibility.

Short-Term Payday Loans – What Are They?

The borrowers needing money now should know that the term “short-term loans” usually means the same as payday or cash advance loans. Basically, this is any loan that is provided for a short term (2-6 weeks) and is repaid in a lump sum. Short-term loans are popular with those who need cash now. They are provided quickly and with no credit check. Getting a short-term loan is the easiest way to get cash today. Of course, they always need to be repaid on time; otherwise, the borrower can bear severe losses, as the interest rates of short-term loans are high.

The Benefits of Short-Term Fast Cash Loans

The advantages of fast loans are apparent. They are easy to get by those who need cash now. If you want to avoid paperwork but want to get money now, you may apply online and get an approval as soon as in 10 minutes. Moreover, the lenders, providing fast cash loans, don’t check the credit score and credit history. That is why they are available to everyone needing money now, including those with a bad credit score. But the main advantage is the speed of applications processing. If you need a loan now, you should opt for a short-term fast loan, as your application will be approved within several minutes.

Does the Purpose of a Loan Matter If I Need Money Now?

The distinctive feature of payday loans is their flexibility. No matter what for I need loan now, the terms will be similar. Unlike target-specific credits, payday loans can be used to pay for a variety of goods and services. Commonly, they are used to cover unexpected needs, for example:

  • health & medical issues;
  • paying fines;
  • sudden car repair;
  • paying bills;
  • pets’ health issues;
  • buying something in the sales;
  • buying a gift to someone
  • and others.

In fact, nobody will ever ask you what you are going to do with the money. You don’t have to explain anything: just say “I need loan”, submit an application, and wait for the approval. It’s like with cash: you just take the money now and spend them as you wish.

Frequently Asked Questions

Q: I need money fast. What should I do?

A: If you are at least 18 years old and not unemployed, apply for a fast cash loan online. Other names of this loan are payday or cash advance loan. It takes 15 minutes to get approval, and the funds will be credited directly in your bank account within one working day.

Q: I need money now, but I have a bad credit score. Will my application be approved?

A: Yes, certainly. All cash loans now are provided with no credit check, so your credit score doesn’t matter. Nobody is going to check it. Moreover, the good news for those needing money now is that payday loans don’t impact your credit history even if you fail to repay them on time.

Q: I need money now. What amount can I get instantly?

A: All short-term cash loans are relatively small. As a rule, their size ranges from $100 to $1000. You may find several lenders that provide larger loans – up to $2000 or even $2500, but there are few of them around. Besides, you must keep in mind that payday loans are expensive, so don’t overestimate your financial possibilities.

Q: I need cash now. How much will a fast loan cost me?

A: Various lenders offer different terms. Also, you may come across special offers. In average, the interest rate of a payday loan is 20-30% per month. Sometimes, it can reach 400% per year, which is really impressive.

Q: I need money fast. Can I get it immediately?

A: Usually, the funds are credited on your bank account in one or two days after the application approval. But you’d better specify the terms before sending an application. In some cases, it is faster to apply for a loan offline.

Q: I need loan but I am unemployed. Can I get it?

A: To get a loan you must have any source of income that you can prove – a salary, benefits, unearned income – any regular payouts. If you are unemployed and don’t have any regular source of income, nobody can give a loan to you.

The Final Thoughts

Sometimes, people need loans now and here; they just have no time to wait. Fast online loans can be a great solution – they are approved instantly and require virtually no paperwork. If you meet several simple basic requirements, you may submit an application online, and the needed sum will be credited directly in your bank account. You shouldn’t worry about your credit score, as it is never checked by lenders. You also don’t have to specify the purpose of getting a loan. It’s for you to decide how to spend the money.

That being said, you should bear in mind that short-term cash loans are expensive. But if you need loan now it doesn’t matter. Just try to repay your credit on time to avoid major losses.