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4 questions to consider when looking for a cash advance loan

According to a recent Federal Reserve study, 46% of Americans do not have enough money to cover unexpected expenses of $300. Cash advance loans, which provide borrowers with funds in the event of a financial emergency, have therefore become a lifeline for many consumers. With so many lenders offering this service, however, it can be difficult to know where to start. ExpressCash makes it easy to obtain short-term financing with flexible payment options, a competitive interest rate, and a simple application process. Our loans provide you with the means you need to bridge the gap between now and your next repayment program. 

1. What is the best way to use an advance loan?

A cash advance loan offers you short-term loans to cover a cash flow problem or a financial emergency. Unlike personal loans secured by real estate, usually a house or a vehicle, an advance is not tied to certain assets. Lenders take your financial history into account when deciding to approve a prepayment loan. When applying for your type of loan, a lender assesses your ability to repay the loan. Most companies will review your credit history, a record of your previous debt and loan agreements, or profit and loss accounts before offering to finance.

Prepaid loans are designed to cover a short term financial emergency. Borrowers use them, for example, to cover an unexpected medical bill or a shortage of money. Therefore, this type of loan usually has a higher interest rate than a personal loan. However, the amount of interest you pay depends on the lender you choose. If you request an advance, you agree to repay the loan over a period of time (weekly, bi-weekly, or monthly) or to repay the loan in full on a specific date. You may have to pay a higher interest rate if you do not pay the amount within the time specified by your lender.


 Cash Advance offers you short-term credit, which generally covers a period between seven and 30 days. However, this varies from state to state. You will receive notifications by SMS and e-mail reminding you of the maturity date of your loan. You can make a one-time online payment or trust our automatic payment program.

2. What should you know when you find the best prepayment companies?

When looking for cash advance lenders, make sure they are fully licensed and follow government and federal guidelines. Another important factor when looking for a lender is the time it takes to get your money. The top-rated prepayment loans are designed to give you quick loans in an emergency. However, some lenders may still take days or even weeks to deposit their funds. With ExpressCash, you will receive your loan the next working day if you apply before 4 p.m. during the week.

3. Can you ask for good cash advances if you have bad credit?

In general, bad credit is a barrier to getting the best prepayment credits, especially if you haven’t paid for financial products in the past. ExpressCash has made loans to borrowers with less than excellent credit ratings and has helped people in some states improve their credit standing. ExpressCash Ladder is a climbing system that allows you to collect points in eligible countries that can cause you to apply for larger loans over time.
When you apply for a loan, some lenders receive information from the three credit bureaus and leave traces on your credit report. Applying too many loan applications in a short period of time can affect your ability to approve. At ExpressCash, we give you an immediate decision on your request which does not affect your creditworthiness.

4. What are the minimum requirements for requesting inexpensive cash advances?

If you request an advance from ExpressCash, you must be at least 18 years old and have a checking account that accepts wire transfers. Our brief request form will ask you to provide your address, contact telephone number, job details, and, in some states, proof of income. You must also live in one of the states where we are authorized to provide affordable Cash advance loans. Once your application is complete, you can check the progress of your loan by logging into our account on our website.


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Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.