Check Advance Loans

$100 to $5,000 paid out by 11:13am

  • Same day payouts!
  • 100% US Based
  • 100% Online Service
  • Borrow up to $5,000

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How A Check Advance Loan Can Get You Out Of Trouble?

It can sometimes be difficult to manage your finances, especially if your employer does not offer cash advances when things get tough. You can always get a loan from your bank of choice, however, most of these come with large hidden fees. These can pile up and you may end up with a large debt without knowing where it came from, which may have a negative impact on your credit score. In some cases, the bank may not even consider you eligible for a loan, which will lead you back where you started.

Luckily, there are a few other ways to get small amounts of money when you have to pay an unexpected medical bill or when you’ve got to buy a present for a loved one but are a few hundred dollars short. Online money lending services are just as reliable as banks, but they are more transparent in terms of what fees you have to pay. Furthermore, all transactions are done online, so they offer more flexibility in terms of how you need to spend the money.

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Getting an advance loan on your paycheck may not be a viable option from your employer, however, there are easy ways to get up to $1000 in up to 24 hours, if you need the money. Here is everything that you need to know about the proper procedure so that you can make an informed decision:

What is a check advance loan?

An advance loan is essentially a short-term, unsecured loan that you can borrow to cover certain expenses that you may have. Once you get the money, you must return it in a certain period of time. Most banks and companies will require that you pay the money back in up to 30 days, however, this period differs from one bank or service to another.

Check advance loans are often offered by banks, through ATMs, but you can also get one from online companies or services. These are handled entirely and you will be able to transfer the money to any bank that you want. This having been said, the application for this type of loan is also done using the company’s website or smartphone app.

The main advantage of using an online service to get an advance loan is the fact that there will not be any type of hidden charges and the fact that you borrow money will not affect your credit score.

It is also important to mention the fact that the requirements for these loans are less restrictive than those that banks impose, which means that almost anyone will be able to get approval, regardless of salary or age.

What can you use the advance loan for?

A check advance loan offers a lot of flexibility, in the sense that there are no restrictions in terms of what you can do with the money. You can use it to pay a utility bill, or you can put it towards getting a piece of furniture. Where banks would impose restrictions in terms of what you can do with the money that you borrow, these loans are given out by companies and services, which means that you can use the advance however you see fit.

This having been said, some application forms will also require that you mention what you want to do with the money. Keep in mind that your answer will not affect your eligibility. The companies that give out the loans use this information for marketing purposes to improve their services. Furthermore, you may be asked to specify if you have any kind of standing debts or if you have applied for similar loans using other services and companies.

What papers do you need to apply for one?

Technically, you do not need to submit any papers to apply for an advance loan. You will only be required to fill out a form and to send snapshots of a few personal documents, however, this depends on the company and the loan.
The form will require you to enter the following information:

  • First and last name;
  • Date of birth;
  • Your current address;
  • The name of your workplace and work title;
  • Social security number;
  • Credit score (only for marketing purposes);
  • The purpose of the money;
  • A photo of your ID;

In some cases you may also be required to photograph and send in a photo of a utility bill that has your name on it, to confirm that you are living at the address that you’ve submitted.

You will have to enter most of this information either online, on the company’s website, or using a smartphone app that is linked to the lending service. This is great if you have never applied for an online advance loan before because the forms also come with instructions that explain what kind of information you have to enter in each field and why it is important to add every piece of data.

Regardless of what kind of service you use, you will not be required to send physical papers to apply for the loan. You will only have to send photos or to fill out online forms.

How to choose the best service for an advance loan?

Advance loans usually imply a sense of urgency, however, you will have to do a bit of research to find a money lending service that suits your needs. Different companies place different limits on how much or how little money you can ask for. Furthermore, not all services of this type also offer a smartphone app.

The first step when it comes to choosing a great service is looking at what options you have. Some companies only offer their services to the residents of certain states, while in other cases, they may be limited by local law in terms of what applications they may approve.

Generally speaking, you should look at the laws in your state, regarding these services, and also look at the most popular online money-lending companies in your area. Once you find one that suits your needs, go to the app store and search to see if there is an app that is offered by that company. It is usually better to install the app on your phone or tablet prior to applying for a loan using the website. This will help you understand if the app gets proper technical support and if it is simple enough to use.

Next, apply for the loan using the app, if possible. This will make it simple to submit all the required data and to take photos of your ID and other documents that you must add to the application form.

Lastly, keep an eye on the app. It will show you how much money you’ve borrowed and also remind you when you have to return it. The same can be done using the service’s website, but having the app on your phone gives you an easier way to keep track of things.

Who can get an advance loan?

Anyone who is employed, of legal age, and has a stable monthly income will be able to apply and receive one of these $100 loans. This also applies to those who are self-employed. There are no restrictions in terms of education level or how much money you make in a month.

Essentially, you will be able to choose any amount of money to borrow, as long as it is in the standard limits imposed by the company, and there are no hidden terms that may affect you afterward.

This having been said, you will be required to have an active bank account, to transfer the money to it. Once the money reaches the bank account, it will not show up as a loan, but as a regular transfer from the loan company. This will not affect your current credit score in any way.

Does credit scoring matter when applying for an advance loan?

Your credit score does not play any part in how much money you can borrow, or the duration of the loan. Some services may require you to submit your credit score, however, this is only for marketing purposes, to help improve future transactions.

Why Use Us?
How much do you offer?
$100 - $5,000
No charges
Approval Chance?
Good
High approvals!
Is poor / bad credit accepted?
Yes
All can apply
How do I get a loan?
Apply Online
2 min Application
Do I pay it all back at once?
No
Easy repayments

Conclusion

Getting a check advance loan from your employer can be difficult because some businesses have very strict policies regarding what amounts of money they give you and how fast. However, using an online service to get a few extra dollars when you most need them is safe and efficient. Where most banks would add many hidden charges to this type of transaction, online money-lending services are required to disclose all fees and taxes that you will have to pay, prior to sending the loan request.

These loans do not require you to have a good credit score and it usually only takes 24 hours for the money to reach you. This makes it easier and faster to get money from an online service than to spend countless hours trying to convince the bank that you need some extra money. Furthermore, you never have to worry about any hidden charges.