A cash advance also known as a payday loan can help you recover from difficult times.
Instant Cash Advance Loans helps you make ends meet until your next pay date. Not
only is it easier than ever to qualify for your loan, you can receive access to
your money within 24 hours. Funds will be transferred directly into your checking or savings account.
The online payday loan industry is exploding! Why? Because many consumers are discovering
that payday loans are the fastest, most convenient way to obtain lightning-quick
money for urgent expenses.
We know it is often difficult to make ends meet. When unexpected expenses arise,
many consumers do not know where to turn. Our payday loans are the perfect solution.
Simply complete our online application (there is no faxing required) and within
minutes you may be qualified for a short-term loan.
Our goal at Instant Cash Advance Loans is to help you find a short-term
solution during times of financial stress. Our application process is simple, quick,
and 100% secure.
1. First, complete our no-obligation loan application and leave the rest to us.
Based on the information in your application and requested loan amount, we will
match you with an appropriate lender. Once approved, you will then be presented
with a pre-qualified loan offer. In most cases, faxing over documents is not necessary
so you can conveniently complete the loan application online. If we are unable to
verify any part of your application, we may ask you to fax information to your payday
2. Once you've been approved and matched with a lender, carefully review your loan
amount, the terms of the loan agreement and rates. If you are satisfied with the
terms presented to you, you may accept by providing an e-signature on the agreement.
There is no obligation to accept the loan offer, and you may quit the process at
3. Upon approval of your application and agreement, your cash is deposited into
your bank account by the participating lender. Depending on when your application
was submitted, the deposit will either occur the same day or be made the following
Representative APR Range - Instant Cash Advance Loans is unable to supply you with an exact APR (Annual
Percentage Rate) that you will be charged if you are approved for a loan. APRs vary
according to the information supplied by you in your loan request and your lender.
Many states have laws limiting the APR that
the lender can charge you. APRs vary from 390% to 1960%. Loans from a state which
has no limiting laws, or loans from a bank not governed by state laws may have an
even higher APR. Please be sure your lender gives you the APR along with the other
terms of your loan before you sign their agreement.
Implications of Non-Payment and other Considerations - Each lender has its
own criteria and policy when it comes to late payments. This may include additional
fees and interest and may result in reports to the three major credit reporting
bureaus causing your credit score to be lowered. Before you agree to a loan be sure
you read and understand the implications of making late payments. Also, each state
has rules and regulations in place that lenders must follow when assessing
fees for late payments.
Implications of Non-Payment, Late Payment or Partial Payment - When you accept
the terms and conditions for a loan offer, you are agreeing to pay back the loan
principal and finance charges in the amount of time shown in the documents supplied
by your lender. Additional fees or charges by your lender may apply in the event
that you are unable to repay your loan in full or if you make a late payment.
Please refer to the late payment, partial payment, and non-payment policies detailed
in the loan documents provided by your lender.
Credit Implications - Instant Cash Advance Loans does not make credit decisions
nor does conduct a credit inquiry on consumers. Some lenders
on the network may conduct a non-traditional credit check
in order to determine your eligibility for a loan. Lenders typically do not conduct
a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax.
Renewal Policy - Loan renewal policies are largely governed by state regulatory
legislation. The loan renewal options will be presented to you by your lender prior
to your acceptance of the loan. Please make sure to diligently read the renewal
policy presented to you prior to signing the loan documents. Cash Advance loans
are intended to be a short term financial instrument.
Collection Practices - Instant Cash Advance Loans is not a lender and does not
engage in debt collection practices. Your lenders’ collection
practices will be disclosed to you in the loan documents. If you are unsure of the
collection practices used by a specific lender we recommend that you discuss this
issue with your lender directly.