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Basic Cash Advance Questions
Posted on Wednesday, December 21st, 2019 at 9:53 am in Cash Advances
New cash advance customers often have questions about how these quick, small loans work. If you’ve never borrowed a payday loan or cash advance before or just have questions about fast cash loans in general, keep reading for answers to some common consumer questions.
How much cash can I borrow?
This depends on your lender, state laws, and your monthly salary. Most lenders approve cash advances based on customers’ monthly salaries. If you earn $1,000 in a month, your lender may limit your loan amount to $1,000 or less. Some state laws place a limit on how much money consumers can borrow as well. States that limit cash loans generally allow consumers to borrow up to $500, or a percentage of their monthly pay. Check with your lender and the laws in your own state to see how much cash you can qualify for.
Should I worry about my bad credit?
Payday loans and cash advances work differently from traditional bank loans. Banks generally approve personal loans based on credit score: Your credit history determines the types of loans you can qualify for and how much interest you’ll pay.
But cash advances are different. Payday lenders do not perform credit checks, so your credit history is never an issue. Lenders instead look at your monthly salary and your bank account balance to make sure you can pay back your loan. As long as you earn a stable income and your bank account has a positive balance, you should instantly qualify for the cash you need with no credit check necessary.
How do I pay back my loan?
There are three ways to pay off your cash advance loan: Full payment, installment plans, or rollovers. Most lenders prefer full repayment on your next payday, and this is the best way to pay off your loan and keep it affordable. An installment plan is the next best choice. Your lender will likely schedule smaller payments every payday until your loan is paid off. Try to avoid renewing your payday loan with rollovers if you can, as you’ll need to pay interest and an additional fee for every rollover, making your cash advance more expensive.
Get more answers to your questions by researching cash advance loans online.
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