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24 Hour Loans Can Be a Perfect Solution For You!

24 hour loansNo matter how well we budget, all of us at some time get in to a tough financial spot and need outside help to get back on track. It can be extra stressful when you are faced with an emergency situation and need cash in your account fast.

Thanks to direct payday lenders and their quick online forms it is indeed now possible to get cash in as fast as one working day!

Using our pre-application form you could be matched with such a lender in minutes!

What Are Payday Loans?

Online payday loans are a great option when you need money fast, as most lenders will be able to deposit the funds in to your designated checking account as soon as on the next business day after you sign the agreement! This type of loan is a short term commitment designed to tide you over until your next pay check. You are therefore required to make a full repayment on or just after your next pay day (usually around two weeks). Because of this short term, you can borrow in the range of $100 to $1,000 and will only need to pay one fee on top of the principal if you make the repayment on the agreed upon date.

Fast Deposit and Other Benefits

Using an online lender from our network for a cash advance comes with a number of benefits, not least the fact that under certain circumstances the loan can be deposited in as fast as 24 hours! This is possible because you must share your bank account details when singing up. The lender is then able to initiate the transaction as soon as you sign the loan agreement, and most banks are able to handle transactions really fast. Your repayment is also withdrawn from the same account, so you never have to initiate the transaction yourself or waste time issuing a check.

When seeking a loan from a large lender or even a store-front payday lender, the whole process can be stressful and take a long time. When you are in an emergency the last thing you want to do is wait in a line, fill out reams of paperwork, and then wait days for approval. It might be too late before you even get the loan!

Fortunately if you have an internet connected device you can apply for payday loans online, from anywhere, in minutes. And you won't even have to fax anything if you have the required financial information in the form of PDF or other digital document.

If you don't have access to other forms of credit and you need cash within 24 hours, a cash advance may be just the solution for you.

Requirements

All the lenders we link to believe citizens should be able to obtain a loan quickly when faced with an unexpected emergency. They will therefore process most applications that meet these three simple requirements:

  • The borrower is 18 years old or over, because it is illegal to lender to younger teenagers.
  • The borrower is a legal resident of the US state they are applying from, and has a contact address reflecting this.
  • The borrower earns at least $1,000 per month from employment, self employment or other provable and stable source. This ensure the loan can be paid back.

As long as you can meet these simple terms, lenders will be ready and waiting to assess your online application!

Will I Get My Loan Within 24 Hours?

Due to various factors a lender cannot guarantee that you will get funds within 24 hours, but if everything goes well this can be the case. So if you have applied and were accepted during the day on a weekday, and your checking account is functioning correctly, you could see the cash in your account the very next day. However if you sign for a loan on Friday or the weekend, the transaction cannot be completed until the following Monday. Likewise several days each year are designated as bank holidays, which is when banks do not process such transactions.

Understanding How Much Your Loan Will Cost

All loans come with a financial cost, this is how lenders make their money. You will often see this represented as an Annual Percentage Rate (APR), which is basically the percentage of the loan amount you would have to pay over an entire year.

Because payday loans are typically only outstanding for two weeks this can confuse borrowers, however if you take the APR and divide it by the actual term, you will have a better idea of the cost. Fortunately it is now a legal requirement for lenders to clearly outline all rates and fees and the amount you will be expected to pay.

For payday loans you normally pay a single finance charge if you make the repayment on time, so you don't need to worry about interest in the traditional sense unless you miss the repayment and your state permits lenders to charge more because of it.

Learn more about possible fees and charges from ConsumerFinance.

Laws and Regulations

Prior to applying for a cash advance loan, it is important to understand your state's laws and regulations, which are often different from state to state. In fact payday lending is outlawed in a few states altogether. This legalisation governs the amounts you are allowed to borrow, the interest rates and charges that can be enforced, whether you can extend the loan beyond the agreed term or take out a new loan to cover the old loan, and whether you can hold more than one at a time.

Under the Truth In Lending Act, lenders are required to give you a copy of the full loan agreement before you sign it, so you will have the opportunity to read everything before committing. Failure to do so is not an excuse should you miss the repayment. All loans are an important financial obligation.

Repayment Policies

When you sign the contract you will be agreeing that the lender can take repayment from your designated bank account on the stated date. This will be done automatically, so don't forget to double check that your pay check has arrived and you have the money to cover it.

If the funds aren't there you could go overdrawn and end up with bank charges. Furthermore the lender may begin applying added interest and other fees until you clear the debt. The exact procedure will depend on the lender and the laws of your state.

Get a Loan Online!

Whether you're faced with an unexpected bill or have mismanaged your budget this month, you could get a loan fast! We will attempt to match you with one of many lenders in our network within minutes, and if you meet the three basic requirements they will fairly assess your application and get back to you quickly to let you know if you have been accepted or not.

If you lack savings and other forms of credit, this could be the perfect solution!

Note To Consumer: If you are currently struggling with debt you are advised to obtain expert financial guidance. Taking out a short-term loan will not solve your long term debt problems. Short-term loans are governed by local laws and regulations, which borrowers are encouraged to review before proceeding.

APR Disclosure: The Annual Percentage Rate (APR) is the interest rate charged by the lender, based on the amount loaned, cost and duration of the loan, number of repayments, and timing of repayments. This rate and other terms will be presented to you in a loan agreement prior to signing the contract, as per federal law. The maximum APR that lenders can charge for loans varies from state to state. On average the rate will fall between 200% and 1386% for cash advance loans, and 6.63% to 225% for installment loans. Some states have no regulations regarding APRs and therefore the lender can charge any rate they desire. A lender reserves the right to change their APR at any time, within state regulations.

Material Disclosure: The operator of this website does not provide loans themselves, nor do they act as a broker or agent for any other loan broker or lender. Rather they function as a referral service, advertising loan products from a network of qualified lenders. These lenders commonly offer cash advance loans of amounts between $100 and $1,000, and installment loans of up to $5,000. The amounts offered are subject to change and there is no guarantee that you will be matched with one of these lenders or approved for a loan. Our service and the lenders in our network do not offer or solicit for loans that are illegal under any state laws and regulations. Our service does not constitute a solicitation for any particular loan and we are not offering to lend to you ourselves. Our service is entirely free and we do not endorse any particular loan product or service. Lenders may compensate us for advertising their loan products only. This service and offer is void where prohibited. As an advertising and referral service, we are not responsible for the actions, terms and policies of the lenders in the network and have no control over their assessment of applications and loan terms offered. We do not have any access or control over your loan's interest rates, fees, repayments, non-payment repercussions, or other terms. Therefore you are advised to contact the individual lender if you have any queries regarding your loan. By using our loan request form you agree that your personal information will be shared with one or more lenders from our network. You are under no obligation to use our service, nor complete a loan application or accept a loan from any lender contacted through the service. The time it takes to receive your loan after signing an agreement may vary from lender to lender. The terms of repayment may be subject to local laws and regulations. You may be required to fax documentation as part of the lender application process. To learn more about our service and the loan products offered by lenders in the network, you are advised to read our FAQs. These pages do not constitute legal advice. By using our service you are subject to the site's Terms of Use and Privacy Policy.

Exclusions: Due to state laws and regulations residents of West Virginia, Arkansas, Vermont and New York are not permitted to use our service or website. Furthermore not all short-term and small-dollar loans are legally available in all states. We reserve the right to change the states serviced by this website without notice.

Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been matched with them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.