Need more cash to payday?

At the beginning of May 2018, promising yourself to do a bit of belt tightening in June so you can push the boat out over Memorial Day may not have seemed a big deal. The reality now, however, may be that you are finding it to be a bit more of a challenge and you may need more cash to payday.

One of the problems is that regular bills take no account of the fact that you may have over done things during the festive period.

Add to this the fact that June is not the most cheerful of months at the best of times and trying to do without all but the essentials may be doubly difficult – especially if you are also trying to keep those resolutions.

So, if you do need more cash to 24h payday, what are your options? You could decide to run up an overdraft or use your credit card. That could leave you with longstanding debt though and may not be your most cost effective option. Borrowing a small amount of money via a 24h payday loan may be a lot easier than you think and may also work out cheaper overall.

Available online, fast cash or payday loans are an effective way of getting your hands on a small amount of money to overcome a temporary cash flow problem.

To take advantage of a fast cash loan, you’ll typically need to be:

over 18 + resident;
in employment with a predictable pay date;
the owner of a bank account which has an associated debit card;
looking for a loan of around $500;
confident of your ability to repay the loan from your next or next but one payday.

The online application is typically straightforward and if your application is approved, things can move very quickly indeed. You could find that the cash has been transferred to your account in as little as two hours.

Then once you have been paid again, a debit card transaction may typically be used to repay the loan in full, together with agreed interest and charges, on your chosen pay date.

Getting the help you need when you need it can make all the difference. If you need more cash to payday, then a 24h payday loan may be the answer.

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Choosing payday loan companies

If you are interested in obtaining a fast cash payday loan and have begun looking around you may have noticed that there are many different payday loan companies. So how do you choose the most suitable payday loan provider?

What to look out for

Here are some of the considerations you may wish to take into account when shopping for a payday loan:

what else will you need to repay back on top of the original loan amount and interest? Are there any fees;
how much in total will you have to repay;
the date when you have to repay the loan (this will typically be your next payday);
how long it typically takes for you to get a decision as to whether your pay day loan application has been accepted;
how long it takes before you get your money if you are approved;
if there is any paperwork or faxing involved with the loan application;
if there is a full credit history check or just a small one;
does the payday day loan lender accept application from people with a poor financial history?
These are just some of the things that may be applicable to you and which you may wish to think about before taking out your fast loan.

Uses of a payday loan

It is important to remember that when taking out a payday loan, you are borrowing a small sum of money that you must be able to repay on your very next payday or on the day agreed with the lender. The sum of money typically borrowed may be £100 to £250 depending on the pay day loan company – some payday loan companies may allow you to borrow more than this.

Payday loan companies offer short term loans for a wide range of circumstances where you find yourself short of money. For instance you may apply for a fast loan if you need holiday spending money; to pay a utility bill; or to meet an unexpected financial emergency that crops up before your next payday, such as a car repair bill.


The benefits of a fast cash payday loan for your holidays

Taking out a secured or unsecured loan is often a long term commitment and you have to ensure that you keep up the repayments every month for the length of the loan. These types of loan are designed for people who need to borrow largish sums of money (for example, from $1000 upwards) and which they will repay over a number of months or years. If you want a smaller sum and quickly, to borrow for just several days or weeks, then you may wish to consider a fast cash payday loan.

Normally repaid on your next or next-but-one payday, these are a form of cash advance that allows you to borrow money on a short term basis and pay it back quickly – so no worries about debt hanging over your head for a long period of time.

So in what sort of circumstances may a fast cash loan come in handy? Holidays are a good example!

Money for your well-deserved holiday

You may be going on holiday and are concerned that your spending money will not be enough to see you through your break; or you may not want the hassle of having to limit yourself to a small amount. A fast cash payday loan could mean that you will not have the worry of running out of cash.

Money to pay for your holiday

Of course you may be struggling to find the money to pay for a cheap holiday that you have seen advertised. Often cheap, last minute breaks may help you to save a fortune and may be the only way that you are able to afford a holiday. If you have seen a bargain but lack the funds to pay for the holiday, then a payday loan may be an option.

So once you have got your holiday sorted, what about taking the cash abroad with you?

Cards such as these allow you to put money on them and then use them as you might a debit or credit card, but without running up debt, as you only spend what is on the card.

If you have a prepaid Speed-e-card that is activated, and you successfully apply for a fast cash payday loan, the money is typically paid directly onto your prepaid card, and you may have the money to spend often within a few hours or the very next day. The benefit is that you can take your card with you on holiday and not have to worry about losing your cash as the card can be used wherever you see the MasterCard acceptance mark. This means it can be a flexible and safe way of spending your payday loan monies.


What is a quick payday loan?

You may have heard of something called a quick payday loan, but is it a suitable solution for you?

Understanding the quick loan

Payday loans are often called quick loans or same day loans. This is due to the fact that typically, pay day loan companies give you an almost instant decision and you may be able to have the loan paid into your bank account within just a few hours, or usually on the same day or the day after. Three important facts regarding payday loans are:

quick payday loans typically allow you to borrow usually between $100 and up to around $500, although the actual sums may differ between lenders with some allowing you to borrow less or more;
the amount of money borrowed is repaid back very quickly too, usually on your next payday, together with any fees and interest;
the payday loan is a short term loan only, meaning you do not borrow and repay over many months or years as you might with any other loan.
Benefits of a payday loan

Usually when applying for a payday loan you can often complete the entire application online and get an answer very quickly. Usually there is no paperwork involved so there is no waiting around for the necessary forms to come in the post which you then have to sign and send back.

No faxing payday loans are available, so in some cases there is not even the need to fax any documentation. This means that many lenders are able to pay the money directly into your bank account within just a few hours, or the next day, depending on whether your bank can accept immediate transfers.

Repaying your loan

Repaying a quick payday loan can usually be easy. When you apply for the loan the lender asks for your debit card details and this is how the cash advance is typically repaid. As long as the money is in your account, you do not have to do anything at all as when the agreed date comes around – usually your next payday – the money is taken directly from your bank account via the associated card. You do not have to remember to make the repayment nor do you have to arrange for a direct debit to be taken each month as you pay back the loan and any interest and / or fees back in one go.


The cost of keeping the kids occupied during the holidays – and how an instant payday loan may ease worries

With the children’s school holidays now about to start, life may not be easy when it comes to keeping them occupied. Days out to theme parks, the coast and other treats are often costly and you may not always have the cash for these, especially towards the end of the month. You may wish to consider taking out an instant payday loan if you are short of cash to ease those money worries and allow you and your children to enjoy the summer break.

Enjoy days out with cash in your pocket

A payday loan might allow you to take your family to the coast on one of the rare, red hot USA summer days. Why stay at home baking in the heat while the kids moan there is nothing to do? If money is tight, you may wish to consider a quick cash loan. If approved, you could potentially pack the car and take off to the coast on the very same day or the next day.

You might even have found an affordable holiday at short notice but do not have the cash to pay for it. If you are able to take out a fast loan you may be able to book it.

Payday loans may be taken out for just about anything as long as you are able to repay the loan (together with any fees and interest) on the agreed date, which will typically be your next payday.

Extra cash whilst on holiday

You may have already booked your holiday and are saving up for your spending money whilst you are away. If you find yourself short of cash you may wish to consider applying for a fast loan to ensure that you have plenty of spending money.

Other uses of the payday loan

Of course there are many other uses for payday loans when you are at home. One of the appliances in the home may break down and need replacing or repairing. You may find an unexpected bill comes in which needs paying before your next payday. An emergency may crop up that means you need to get your hands on cash quickly. In all of these cases an instant payday loan until you get your next pay cheque may be a financial lifeline.