How To Get Money Fast
Payday loans are also known as cash advance loans
. It is the same thing: you get cash in advance of your paycheck or other funds coming in.
Who does not appreciate having money when they need it? Payday lending is quick, but sometimes there is a wait for applicants to get approved.
If that is the case and you cannot wait, you can ask the lender if they do "fast payday loans".
1. A retail lender is a company that owns a brick-and-mortar shop that offers payday loans. If you want to patronize such a lender, go to a shop where you know either the owner or the teller.
This is one of the best ways of getting a fast day loan. Of course, this means that they know you personally, and that they know that you have a steady paying job, and that you could actually be trusted with a loan.
So a good reputation here is a good investment. Call ahead too, so that you know exactly what requirements they would ask of you when you get there.
Most states require that you bring in one or more recent pay stubs that can actually prove that you are receiving a steady income from an employer. Recent bank statements are needed as well.
The reason for pay stubs is to prove that you make a consistent income, most lenders require you make at least $1000 a month. The bank statements are to ensure the lender that you have a legitimate account that you can write a check from, or have a withdrawal taken out of for repayment of the loan.
However, retail lenders usually have their own requirements so a call beforehand is most advisable. They will require that you be 18 years of age, or older so don't forget your photo ID.
And yes, do not forget to bring your check book. Retail lenders often require you write out a post-dated check in return for their services.
And since you are calling beforehand, you could already ask all the things you want to know: like how much you can borrow, how much the interest rate is and what is the mode of payment.
Ask also if you need to make copies of the papers they are requiring from you.
2. Internet lending can afford faster services, of course, but there are still ways of making processing go even faster. Most online companies can service your loan request no matter what state you are in.
However, if you really want fast payday loans, try scouting the World Wide Web for an Internet lender who is based within your immediate vicinity - same town, same county or same state. This will actually help the lending company check out your claims and documents easier.
Also, when asked to fill out online forms, fill them up as accurately and completely as possible. Any misinformation will only delay or even block your application.
Read all the fine print and ask questions if you are confused. This is a legal binding contract so you want to make sure you are very clear what you are signing.
If you do get blocked, or rejected, your only other option is to start all over again with another online lender. When asked to submit pertinent information through fax, make sure the copies are as clear as crystal.
Any smudge or indecipherable scrawls will delay processing. Remember, there are a lot of people applying for payday loans. Most lenders will try to process first those with seemingly complete and error-free papers.
You can sometimes get your money in just a couple of hours, or less, with a fast payday loan. Traditional payday loans may only take 24-48 hours, but a fast payday loan is your best option if you can't even wait that long.
by: Jack Landry
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