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Emergencies happen. There is nothing that you can do to avoid them. Even people, who cautiously plan out their finances and have a “rainy” day fund, can find themselves in a financial crisis. In some cases, a family member or friend can help with a cash gift or a small loan, but most people do not have this option.
On a recent day, a customer named “Meg” needed an emergency loan because her air conditioning stopped working, when temperatures soared to 98 degrees in Phoenix, Arizona. With three small children and an elderly parent in the household, she had no choice but to get a new air conditioning unit installed.
Cash advance loans, also referred to as cash till payday loans, are small short term loans that consumers can use to manage emergency situations or daily expenses. Most Americans, who are actively employed and have a steady source of income, can get a loan. The amount of cash that a customer can borrow depends on how much the applicant earns per month. Lenders offer loans starting from $100 to $1,000.
The popularity of cash advance loans, have increased over the last few years, as more Americans struggle to meet financial obligations, amidst a struggling economy. White collar and blue collar workers, alike, are using short terms loans to manage unexpected expenses. The fact is, even cash-strapped homeowners, who have equity in their homes, cannot get a home equity loan or a home equity line of credit (HELOC), easily. In addition, the loan application process is extremely time consuming and arduous.
Can I Get A Loan, If I Am Not Employed?
No. Popular to contrary belief, unemployment loans do not exist. The only way that a lender operates as a business, is to ensure that it’s customers can repay their loans. A person without a steady source of income, cannot repay a loan. Consumers, should take extra precautions when considering lenders touting “unemployment cash advance loans”.

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A payday loan is simply a short term cash loan which is repaid in full upon the borrowers next pay day. They are not solutions to long term debt or financial problems. However, they can be extremely useful as a method of accessing emergency cash quickly and with the minimum of fuss.
Most payday lenders have easy and quick application procedures so borrowers can apply online and many receive their cash within the hour.
Make sure you look at a range of lenders. Don’t just choose the first one you find on an online search. The top ranking, most reputable lenders will tend to come up first in searches, however, do not be fooled by clever marketing tactics. Do your research! Find the best lenders that others have used.
By carefully choosing the right short term lender to meet your needs, it is possible for you to access your emergency cash quickly, avoid costly charges with your bank and get through the rest of the month until you are paid. It is little wonder so many people are turning to short term cash lenders as a viable borrowing option.
Make sure you always read the terms and conditions of any short term loan you are applying for. Calculate your earnings and expenditure and only ever borrow what you know you can afford to pay back when you are next paid.
Applications only take moments to complete but struggling to pay a loan who couldn’t afford to borrow can take a while, so think very carefully before you apply. Check for hidden fees and only ever use a reputable lender.
Consumer feedback shows that for many, using a short term loan is preferable to approaching their bank or suffering crippling bank charges and fees.
Whichever choice you make to access emergency funds, always try and pick the option which gets you out of difficulties quickly and leaves you without stress and worry.

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A double-dip recession – we are all, still suffering from the crippling financial effects of the U.S.’s dire financial straits – there seems no end in sight.
For most people, dealing with hard financial decisions, trying to make ends meet and attempting to make our earnings go further and further is an uphill struggle. It seems that no matter how hard Brits work, at the moment, there is not light at the end of this dark financially strapped tunnel.
Bank fees, charges and the difficulties associated with accessing credit in times of need are all contributing to making life very difficult for many people. Fees on an unauthorised bank overdraft can be as much as $20 per day with some banks!
The goal is to try and keep your account in the black and avoid costly fees and charges wherever possible. It’s the only way to try and maintain whatever good credit history you have. We’ve all read the horror storied of people struggling to pay bank fees because the bank has charged them for going over-drawn as a result of charges the bank applied! It is a vicious circle which can cause stress and continued financial difficulty.
Credit ratings can also seriously affect a person’s ability to access credit when they need it. Today, even hard working honest people who have full time jobs and strive every month to pay all their bills are finding they have less than perfect credit scores.
The credit score companies seem to be fast to negatively mark our scores and yet, very slow to clear them of any negative marks!
It’s no wonder so many people feel as though they are in a losing battle when it comes to borrowing money and accessing credit.
It is for reasons like these that the popular use of short term cash advances is growing. Borrowers are choosing to apply for cash on a short term basis from private lenders and avoiding their banks all together. It keeps their accounts in the black and lets them access the funds they need quickly, with no fuss and no need for lengthy credit checks.

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Advantages of Payday Loans
Fortunately, using payday loans for bad credit management does have some advantages. They are extremely accessible, with approval often granted within a day. A quick loan can always be an advantage, especially if the applicant is in desperate need of fast money to deal with an unforeseen financial emergency.
Even securing approval on a payday loan is relatively easy. As long as the applicant has a large enough income the chances of getting the green light on the application are extremely good. This means it is a reliable source of extra funds, ensuring a route out of a sticky financial situation.
Of course, they can be used too for clearing smaller existing loans or ensuring monthly obligations are met on time. This helps in avoiding declaring bankruptcy, though there are other factors at play in that regard.
Issues With Declaring Bankruptcy
When debts do become too much to handle, then bankruptcy can be the only real solution. The advantages compared to getting payday loans for bad credit is that the debts are wiped out and no money is paid. In a way, it can save money.
The disadvantages are more plentiful, however. While payday loans can be obtained quickly, bankruptcy requires filing documents and going to court, and once a ruling is given, the damage it does to your credit reputation is severe.
Avoiding declaring bankruptcy is definitely preferable. A possible alternative is a refinancing loan, where the debts can be bought out in one go and a single loan repaid on improved terms over a long period of time. What is important is that alternative avenues are considered before a decision is made.

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What can happen if you refuse to repay an advanced loan
If for any reason a borrower fails or refuses to repay an advanced loan a lender has the right to take the matter to small claims court if a repayment cannot be agreed upon. If the lender takes the matter to small claims the borrower may also be responsible for the lenders legal fees, however in some circumstances the lender may not take the borrower to court if the loan amount is small. If the original loan agreement was for an unsecured loan the lender cannot reposes items such as furniture, protected items under the law, however if the borrower has reliable income the court may garnish wages until the loan amount if repaid in full. If the borrower is not working and reliant upon welfare a court will not force a borrower to sacrifice welfare income as welfare is strictly for living expenses only does not cover debt repayment. If you are reliant upon welfare you can refuse to repay the loan until you are receiving a working income.
Responsibilities of the lender
A lender is responsible to make the terms of the loan agreement clear to the borrower as well as post any legal warnings on the website which can be accessed before applying for a loan. In US lender’s must include an FTC warning about borrowing disclaimer on the website. When applying for a loan, explore you are applying with a responsible lender that provides a warning about borrowing FTC legislated statement on the website.
In conclusion
As a potential borrower it is you must aware of the responsibilities and legal obligations you’re obliged to uphold when applying for an advanced payday loan. It is also in the borrowers best interest to educate themselves about their rights to report harassment or any irresponsible behavior on the lenders behalf.

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Payday loans are a convenient way to quickly acquire needed cash however it is important to educate yourself about your rights and responsibilities before you apply for a payday advance loan. During the repayment period it’s also important to understand your responsibilities and the difference between collection and harassment from the loan provider.
Advance payday loans usually allow a person to borrow between one hundred and one thousand dollars unsecured upon the agreement you will repay the loan in lump sums usually direct debited from the borrowers’ bank account. Advance payday loans are easy to apply for; where a person only needs to fill out an application online, provide bank details, photo identification and confirm all information in the application is correct with the loan lender.
Your responsibilities about repayment
Once you have reached the repayment period you must repay the loan and the agreed fees or interest of the loan, usually this is by agreed direct debit. If you do not repay the loan amount the lender has the right to contact the person to arrange repayment. Should a direct debit fail or the borrower has unauthorized the direct debit not only can the individual incur fees by their bank but also be in breach of their original loan agreement.
Your rights about repayment
If you have agreed to a payday loan contract you have the right to enquire about a reduced repayment method should you not be able to meet the agreed repayment loan amount. A lender can contact an individual about repayment however lenders must not contact the borrower more than three times a week, must not frighten or make threats towards the borrower. Should this incur the individual has the legal right to report the lender for harassment. A lender can also only

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However, be careful and ask! There are some less than scrupulous lenders out there who apply fees for early repayments and hidden fees for a number of reasons. Always check before you commit.
The best lenders are those who have a solid reputation amongst a wide variety of customers from different walks of life. You will be able to find reviews and feedback on a lenders services if they are good. Also, the best lenders will be more than happy to speak to you, answer your questions and offer you advice if you are not sure. Reputable companies will not be giving you the hard sell!
Money is a serious business and your own personal finances are extremely important. Finding out answers to all these type of questions will help you to make the best, most financially sound decision for yourself. The answers will also help you identify the best lender, and loan, for your needs.
So, while you will read a lot in the press and on the internet about the evils of short term loans. Really the most important thing to realise is that borrowing of any kind, regardless of the duration is not a wise decision unless you are certain you can pay it back within the specified time and still manage with all your regular bills.
Take care to make sure you cut back on unnecessary spending. Make savings wherever you can and save as much as you can. Then if at some point you do need a short term loan, you will be in a stronger position to consider it.
The author of this article is a customer service manager at DoshDelivery.co.U.S.. He is also a staff writer for the company. Dosh Delivery is a pay day loan company who offer loans to eligible individuals directly without any intervention of brokers. To know more about the services offered by Dosh Delivery,

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We have all experienced the stress and worry that comes along when we experience a financial emergency or run out of cash before payday and find we need some money. It’s not a good feeling at all. Trying to manage when you have run out of money before payday can be difficult and uncomfortable. For most of us it’s not possible to muddle through, especially if we have families to think of and need money to get to work!
However, while short term cash advances are proving to be a helpful solution for millions of people, we always advise enquirers to think carefully before borrowing money, for any duration of time.
Whether you are considering a long term loan from a bank or a short term payday loan, it is extremely important you consider the implications.
Firstly, can you afford to make the repayments? A short term loan is designed to be paid back in full upon your next payday. Before a plying for a loan of this type, it is vital you calculate your monthly outgoings against your known regular income. Knowing exactly what you can afford will give you the real picture of what you have left after your bills and monthly commitments have been paid. Would it be enough to pay back in full what you would like to borrow?
If the answer is no, then maybe a short term loan is not your best option. Don’t be tempted to put other things off for a month in order to pay of a spur of the moment loan which will make things feel better for a short time. It is better to think more long term with regard to your finances.
Your financial security is of paramount importance to you and your family. Longer term financial difficulties will only accumulate if you use any type of borrowing to plaster over the cracks rather than dealing with them in a more controlled way.
Many reputable lenders have professional advisers who will be able to answer your questions so you know exactly how much a loan would cost you, what the fees are and when it would need to be repaid by. Find out if there are any hidden charges or additional fees that may be applied. This can make a real difference to what you have to repay. Reputable companies will make their charges very clear from the outset.

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The financial institutions that offer cash loans get the basic personal and professional information from their applicants with the help of their application forms. These application forms are designed to be time efficient so that they can be filled out in a minimum amount of time to help the applicants meet their urgent needs pertaining to availing cash. Some of the fields included in the application forms of the pay day loans include:
1. The proof of the applicant’s employment
2. Information regarding the applicant’s income level
3. Ability of the applicant to reimburse the loans extending company in time and other related aspects
Sometimes even the traditional banks offer the pay day loans for the ease of their applicants as well.
How to apply for the cash loans?
There is more than one way in which cash advance loans can be applied for by the applicants, which include:
1. By filling out the forms manually
2. By filling out the forms virtually through the bank or financial institute’s website
3. By using telephone assistance services
Personal loans offering institutions allow applicants to borrow loans by facilitating them to select any one of these applications modes when it comes to filling in a personal loan application. The websites of the leading and highly reputable financial institutions offering these loans provide fool proof security to the applicants by making use of the latest applications, security measures and software to minimize the chances of personal information theft.

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What are pay day loans?
Pay day loans are a special type of loans that are offered by special financial institutions to help people manage their emergency cash requirements. Most of the time individuals require cash on an urgent basis but do not have savings or cash available at that certain time to provide for their needs. In these situations these individuals can borrow a pay day loan from the financial institutions offering these loans so that they can manage their needs in an independent and confidential manner. The procedures involved with the application and processing of these loans are very simple and offer maximum comfort to the loan applicants.
Some other terms used for pay day loans
There are many other terms used for the pay day loans by the financial institutions and market, some of which include:
1. Check advance loan
2. Costly cash
3. Cash advance loan
4. Post-dated check loan
5. Deferred-deposit check loan etc.
6. Quick Cash loans
7. Mortgage
8. Advance loans
9. Prepayment