Your Source for Short-term Loans
I Need Cash Loan is your ultimate access to cash when you need it. Learn more about the different types of loans available and choose the option that fits you best! When you need money in a hurry, nothing beats the speed and convenience of online lending. We have partnered with industry leading online lenders that value your privacy. When you complete our secure form, you can rest assured that your personal information remains private. With our convenient faxless loans, you will never have to fax documents unless required in your area. Furthermore, you will not be subjected to a credit or background check, as our lenders accommodate all types of credit situations. After you are approved, your funds are electronically deposited into your specified checking or savings account.
Choose the Financing that fits You Best
When it comes to getting cash in a hurry, you have choices. Learn more about each type of loan we specialize in:
Payday loans are the most popular type of temporary loan. Simply provide proof of employment and you can get money quickly deposited into your account. These advances are typically paid back on your next payday, making them easy to manage. If you need more time to pay it back, you can often work with the lender to rollover the balance.
This extremely flexible type of lending option allows you greater control over the borrowed amount and repayment term length. Choose a secured loan (collateral required) for a lower interest rate and higher borrowing limit or an unsecured loan (no collateral required) for fast approval and no credit check.
When you need money before your next payday, a payday advance is a flexible, discreet type of financing that will quickly put money into your account without having to request a paycheck advance from your employer. As long as you are employed, you will most likely qualify.
An online cash loan can be a convenient, safer alternative to borrowing cash through a store or pawn shop. Your funds will be securely deposited into your account, in which you will instantly be able to withdraw the cash. Repayment is handled electronically, making this type of loan extremely easy to manage.
Short-term Loans are a Smart Decision
Many customers use short-term financing to pay emergency bills or to cover an unexpected expense. When you consider the cost of late payment penalties and overdraft charges, a personal loan or payday loan is a much smarter choice! The FDIC reported in 2008 that the median debit card overdraft amount was $20 and the median subsequent fee was $27. If you do the math, you will find that the average APR is a staggering 3,520% in these instances. Many banks add fees on top of these overdraft charges which drives costs higher. As you can see, the average lending APR is much less than that of an overdraft. Consumers who use these convenient financing options responsibly and pay off the balance by the due date do not have to worry about accrued interest charges or fees. Furthermore, they are a great alternative to costly credit card cash advances that come with a myriad of fees and additional interest charges.
Countless Rely on Fast Cash Solutions
The vast majority of applicants are middle-class, hardworking individuals. Close to half own their own homes. The median applicants earn close to $50,000. Over 90% are high school graduates and 56% have some college completed or advanced degree. Finally, every customer that is approved for a payday advance has a steady income and an active bank account. Those who are turned down by other lending institutions due to less-than-optimum credit can often get the cash they need with a bad credit loan. It doesn't matter what your credit score is (or if you have a credit history) because you will never be subjected to a credit and/or background check. Furthermore, you will never be required to step foot in an unwelcoming banking institution or uncongenial payday loan store as the entire process will be completed electronically, from wherever you choose!
Now that you know the benefits of fast short-term financing, get the money you need delivered quickly!