With Christmas coming up it can feel like you may never have the time to get all the stuff on your list of people to buy for. Sometimes the number of people you need to buy presents for seems to double overnight. So why not look into cash advance payday loans to take up the slack?
What are they for?
Payday loans are for anything that you want to spend them on. They are a form of cash advance until your next payday, like a cash injection, which are paid back on or around your next payday, together with any interest and fees.
So whether you are thinking about using one to get your Christmas shopping done early, or if you are thinking about using one for a dire financial emergency, a payday loan may be a solution.
Who can apply?
Payday advances may not be guaranteed to every applicant. However, if you are:
in full time work;
living permanently in the USA.
and are applying for an amount sensible in relation to the amount you earn,
you may be considered. It may not matter if you do not own your own home. Applicants who have had problems with bad credit may also apply, although not everyone may be accepted automatically.
How long does it take?
If you are concerned about the process taking a long time, with Christmas creeping up on you, do not worry. The online application form for most cash advance payday loans may typically be filled in around five minutes (depending on the provider).
Fortunately, payday lenders may typically use online electronic checks for identity and creditworthiness, which means that there is none of the agonizing waiting around that you may typically associate with loan applications.
Assuming that your application has been accepted, you may be able to access the funds within a couple of hours, or the very next working day.
Is it complicated?
Every stage of the borrowing process is designed to be straightforward from the customer’s point of view. Not only are the forms easy to fill in, but payday lenders may typically make it clear exactly how much will be due when the loan needs to be repaid. No need to reach for the calculator!
As if that was not simple enough, the repayment for cash advance payday loans (plus interest and fees) may typically be deducted straight from your bank account when they are due. So if you are organised enough, you could have borrowed the money, bought the present, wrapped it and repaid the loan before Christmas!