Special Guide to Securing a Payday Cash Advance Loan!
What is a Cash Advance?
A cash advance provides you with emergency cash when you need it most ... usually between paydays! Most cash advance services simply ask that you complete our fast two minute online application, sign and fax in your documents and your cash could be on the way, usually the next business day! Payday loans and cash advances are helpful handy for short term cash such as car repair, new computer purchases, emergency cash, unexpected losses and repair work, gifts, or something that you just have to do in short notice that you do not have the cash to pay for it right away. We offer fast cash loans in the United States and more require fax but its simple and you can go to you neighborhood Kinkos or UPS Store (Mailboxes Etc) to make it quick and easy.
PAYDAY LOANS
Payday loans are short-term loans. They are intended to be used as a temporary loan that you repay on your next payday. Borrowers write a post-dated check against their next paycheck for the loan amount plus the lender's fee. The lender gives you cash and deposits your check on your next payday.
CONSUMER RIGHTS & RESPONSIBILITIES when utilizing cash advance loans or payday advances:
* PAY BACK YOUR LOAN!
Know when your payment is due and be sure to repay the loan on time and in full. Failure to repay the loan on or before its due date can lead to rapidly mounting debt. It can also result in additional costs including: daily interest charges, late charges, collection fees and could lead to legal action against you. In cases of auto title loans, failure to repay a loan can result in repossession of your automobile.
* You have a right to repay the loan before its due date without any prepayment penalty. In addition, when a loan is paid in full prior to the due date, the amount of interest paid by the consumer is reduced.
* Borrow only as much money as you can afford to fully repay when the payment is due.
* You have the right to full disclosure in your contract of all interest charges, the annual percentage rate (APR) of the loan and all fees before you sign the loan contract.
* Before you take out a payday loan or auto title loan, read the contract thoroughly and be sure that you understand all the terms of the loan. Once a loan agreement is signed, you are legally responsible to fulfill the obligations in the contract .
* Know the fee that you are paying for the loan, and be aware of the annual percentage rate the lender is charging.
* Keep in mind that payday loans and title loans are intended to be taken out only for short periods of time – usually two weeks or less. Although these loans are quick and easy to obtain, customers pay considerably higher prices for the convenience of these loans.
* Be sure that you have money in your checking account on the due date of the loan so that your check does not bounce when it is deposited.
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CASH ADVANCE or PAYDAY LOAN
