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Representative example: $500 borrowed for 5 months. Total amount repayable is $991.85 in 5 monthly instalments of $198.37. Interest charged is $491.85, interest rate 236.1% pa (variable). Representative 481.6% APR.
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When you need cash immediately, you will search for a loan that is easy to apply with when you’re thinking about “I need money now emergency”. Loans offered by traditional lenders are often secured loans, and you might not want to offer some of your property as collateral for you I need money now emergency loan. In case of emergency, you might consider choosing payday loans but you won’t get as huge as what amount you can get for secured loans.

Payday loan is one of the popular solutions for emergency expenses because payday loans have quick and easy online process as you are to think how “I need money right now”. It is true that a lot of people are getting an online payday loan. But before you try to get and obtain a payday loan since you were thinking about “I need money right now”, make sure you understand how it works and what are the advantages and disadvantages of fast payday loans.

I Need Money Now: Get Cash Instantly

If you have a good credit score then it won’t be a problem for you to apply for any kind of emergency loan. Lenders will have no doubts on your credibility to repay the loan on time. But, if you have a bad credit score since you need money now bad credit, you might think if who’s going to trust you and lend you some money when you badly need it.

Payday loan lenders are accepting any kind of credit score. So, if you have a bad credit score then this is one of the best option you could choose especially when you need cash instantly for you need money now bad credit. There will still a credit check for payday loans, there is no such thing as no credit check. But the good thing is that, soft-credit checks will be performed by direct payday lenders that won’t degrade or affect your credit score.

What are the things needed to obtain an advance?

  • You must be 18 years old and above.
  • You must be earning a regular income.
  • A citizen of your lender’s state.
  • Any personal identification card.
  • Bank statement and your proof of income.
  • And of course, your online loan application form.

I Need Money Right Now: Is it Necessary to Get a Loan?

Getting a payday loan is really easier than applying for traditional loan in banks and other lending institutions upon thinking “I need to make money now”. The requirements also are not that hard to provide and filling up an application form doesn’t take too much time. Also, once you get approved on a payday loan, the lender will just automatically debit your cash loan to your account.

While in banks or in-store, the process will take long and will require you to have a good credit score even if you’re thinking how “I need to make money now”. Getting a loan is only necessary when you need to spend it on emergency expenses like medical bills, utilities, house repair, car repair, and other important things. It is not practical to get a loan just for vacation, or to spend on luxurious things.

To ensure an online loan’s safety, you must analyze first your debt-to-income ratio. In this way, you’ll be able to determine what’s going to left from your total earnings after you deduct all your other debts and monthly expenses. After that, think and analyze, can you still repay a loan if you will get one?
Many people are suffering from deeper debts, and this is because of the cycle of loans once you failed to make repayments on time. Lenders will rollover your loan and the remaining interest into another loan which will lead you to paying even higher paying debts.
There are many legal payday loan lenders that have a good reputation, make sure they’re transparent and no hidden fees.


Need Money Now: Advantages and Disadvantages of Payday Loans

Advantages of Payday Loan

  • Quick and simple process for loan applications, evaluation of your application, and transferring of funds.
  • Don’t perform a hard credit check, and accepts any credit score.
  • Apply for a payday loan anytime of the day and whenever you are at your own convenience. Just simply fill up the online application form and upload the other requirements needed through online.

Disadvantages of Payday loan

  • Direct payday loan lenders charges extremely high interest rates to borrowers because you can get funds easily as this is a short-term advance. You don’t need to offer collateral because this is unsecured loan if you need money now.
  • You might come across payday loan lenders that charges hidden fees upon your loan application.

Need Money Now: Payday Loans Alternative Options

Getting a payday loan could be your last option if you need money now. But, you might consider some of other ways like if you have properties and have a bad credit score, and then you could get a secured loan that will match the amount of your property. This means that, you can get higher amount of loan from secured loans rather than with a bad credit payday loan. The only problem is when you default on a secured loan; the lender will take possession on your property as exchange to your loan.

Payday loans are useful with emergency situations and you can only get $100 up to $1,000. So, if you have long-term financial problem, then this loan might not be enough to suffice your long-term financial needs because this are short-term loans for short-term financial crisis situations only.

Also, the US government government has been offering a lot of financial services to their citizens. These include programs for debt management, credit counseling, debt consolidations, and more. Please fee free to check their websites:

Federal Trade Commission
American Consumer Credit Counseling, Inc.

I Need to Make Money Now: How to Get Away with Payday Loan Debt

  • Save up from your salary and build an emergency fund that will sum up your total salary in 3 months or 6 months. Try to cut-off expenses that you don’t actually need and start saving money for your future.
  • If you have a credit card, then might as well set a limit in your spending. For example, try to spend only 20% of your total credit limit and don’t just swipe it whenever you want. Having a credit card also is good because you might use it on emergency expenses.
  • Find another way to earn money. You could try to get a side-line or freelance work that will help you earn and save more. In this way, you might be able to handle all your monthly bills and expenses and who knows there might still be left from your salary to treat yourself for a while.

Need Money Now: Should You Apply for Payday Loans?

Actually, it depends on every person’s financial situation especially when thinking like “I need money now”. Even though you’ve saved up and did your best to cut down some expenses, we cannot predict fortuitous event or emergency situations. You might still find yourself thinking ” I need money now” as you’re in need of extra cash aside from having savings. Maybe it’s time that you should get an online payday loan. But, if you’re going to use this to pay your other debts then it’s not advisable. Get a 1 hour payday loan only if you can afford to repay it and follow your repayment schedule.

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Frequently Asked Questions

What Are Payday Loans?

If you need cash immediately, payday loans would be the best option for it. Payday loans can be acquired on the same day and doesn’t not need any complicated requirements. It has high interest rates but it can be accessible anytime.

What Are Guarantor Loans?

A guarantor loan is a type of loan that requires a third party, a guarantor, to co-sign the loan agreement before it is awarded. The guarantor may take full or partial responsibility if the borrower cannot fulfill the terms of the loan.

What Are Logbook Loans?

Logbook loan is a type of secured loan wherein the borrower is required to pledge an asset, a vehicle, as collateral. The lender may seize the asset or have it sold if the loan gets defaulted.

How Do I Apply?

All you need to do is to click “Apply” and fill an online form to start your application. Once done, send it back so we can start processing your request.

Must I Have A Guarantor?

Usually, lenders would require a guarantor if the borrower has poor or no credit history. However, if your credit is fine, there’s no need to provide one.

What’s In It For Us?

Having access to instant cash funds is a great advantage. Dealing with financial distress during emergencies can be a lot easier using our services.

How Long Does It Take To Get Paid Out?

Getting paid won’t take more than an hour. Once you have completed the form, you can get results in as fast as 15 minutes. Cash instantly deposited to your account.


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