Payday Advance

Payday Advance

Payday Advance

Financial emergencies can happen anytime and when it happens, it could be a challenge that you need to deal with it immediately. Just when you think you have cleared all your debts an unexpected repair, medical bills and other emergencies, something else arises which could cause havoc on your budget.

These unseen expenses can create a lot of anxiety and stress. Therefore, when you are looking for extra cash, consider a payday advance. This is an easier route because you will be able to repay the loan by the time you receive your next paycheck. The most crucial aspect is to look for a reputable lender who will fund your loan request.

We connect borrowers to many lenders in our network who will finance their loan request. You can get the loans hassle free even with a low credit score. A summary of no credit checks can be found here.

Choose The Right Lender

Over the years, many people keep running into debts because of unexpected financial problems. Choosing the right lender is very important because you will be in a position to get the right deal. In most cases, payday cash lenders are regulated by state authorities and this makes many people assume that the interest charged is the same for all loans. This is not true. The interest rate of a loan varies from one lender to another and you should take time to understand what your lender has to offer.

We understand that the process of selecting a lender can be cumbersome. That is why we have a variety of lenders in our network who will review your loan request and fund it if you meet their criteria.

Fast Processing

The essence of payday advance is to deal with emergencies and if you cannot access the money quickly, it will be of no use. We have revamped the loan request process to enhance customer service delivery.

All you have to do is to fill out a simple and easy form available on our website and we will forward the information to lenders in our network. The process is quick and once your lender has reviewed the request, you will be notified if you qualify for the loan.

The loan request process is simple and easy. Be sure to read the terms and conditions as well as the frequently asked questions section to understand how the process works. If you are experiencing difficulty in accessing credit facilities from the conventional lending systems, it is imperative that you consider taking out a loan with lenders in our network.

quick cash

Quick Cash Advance

Basics Of Cash Advance

Requesting for a loan has been made easier with technology. All you have to do is have an internet enabled device, and you can request the loan from wherever you are located. Loans from banks and other conventional lending institutions take weeks to process and they need a lot of information from you.

However, with lenders in our network, all you need to do is fill out a simple form and provide the basic information that your lender requires. If your loan request is approved, you will have the money in your checking account. The process is incredibly fast. It takes only a few minutes to request for the loan, and it will be processed as soon as your lender verifies your identity and ability to repay the loan.

  • The cash advance loans are usually low amount of $100 to $1000.
  • This helps borrowers overcome emergencies, and this varies from one state to another as well as from one lender to another. The term of the loan is two weeks maximum and the fee is paid in a lump sum. You should choose a lender who suits your requirements and you are able to afford the interest rate.

How to Choose a Loan That Is Right For You

If you need money right away, then payday loans is a good choice as long as you understood the terms and conditions of the loan. Many lenders online will allow roll over which extends the period of payment date and if you are unable to pay the loan within the stipulated time you can request for an extension. However, you should be careful with such situations because there are roll over fees and the new loan will also feature previous loan and capital so you will pay more. You should conduct thorough research on the available loans and look at their features. Consider the following:

  • How much fees are involved
  • The payment date
  • The next step if you are unable to repay the loan on time
  • Interest rate

You should compile all these information before taking a loan because that is the only way you will know if you would be in a position to repay the loan or not. If you have chosen that payday advance is your option, it is imperative to:

  • Take out an amount that you can repay within the stipulated time to avoid complications.
  • Ask the lender about the annual percentage rate of the loan because this will determine the interest you are required to pay.
  • Ask your lender about the total amount that you will repay to determine if you are in a position to repay the loan on time.

Payday Advance Loans Vs Traditional Loans

Paycheck loans have two main characteristics over the traditional type of loans. The loans are unsecured and even borrowers with bad credit can access them. This means that even with less stellar credit history, you will be in a position to access the loan. On the other hand, traditional loans come with a variable or fixed price and you are required to pay regular monthly installments. In addition, you are required to have a good credit history to qualify for the loan. The main requirements for the paycheck loans include:

  1. A valid national identity card
  2. A working checking account
  3. Proof of income or employment
  4. You  are not an active military personnel
Why You Need Paycheck Loans

Why You Need Paycheck Loans

Responsible Lending

Financially responsible people will use the money to deal with an emergency and repay the loan within the required time. When planning your monthly budget, you should include some emergency funds whenever you can.

This will help you avoid embarrassing situations in case you face one. There are situations where you cannot avoid taking a loan. Cash advance loans will give you a little wiggle room as you look to recover your financial health. Financial experts recommend that you make saving a habit as that will help you improve your credit score as well as cushion you against emergencies.

Why You Need Paycheck Loans

Payday lending is regulated in every state and you should read the rules and regulations of your state before taking out the loan. Some states have fixed interest rates while other have cap limits that a borrower is allowed to take out.

Emergencies can happen anytime and you need a helping hand financially. Paycheck loans can be the right solution for you because you can deal with the challenge and repay the loan when you receive your next paycheck.

Cash Loans

Cash Advance Online

Cash  Online

Cash Loans and what they can do to assist you

From time to time, you may find yourself in financial situations that you need a little help with. Emergency medical bills, a broken car or a roof that needs fixing. In all these scenarios, you will need an emergency cash boost and that is where cash loans come in handy.

Taking out a cash advance is a smart move to deal with emergencies. Typically, cash loans are small and unsecured loans that you borrow to deal with a financial emergency.

Depending on where you live, the loans come with different names such as installment loans, online loans, and payday loans among others. Accessing credit facilities from the conventional lending system is quite difficult because of their strict regulations. We are here to help you by linking you to a pool of lenders who will finance your loan.

What Will I Use The Loan For?

What Will I Use The Loan For?

What Will I Use The Loan For?

Payday loans are usually taken out to deal with emergencies. You should have a solid financial plan that will help you overcome poor financial choices. Some of the common reasons why people opt for instant loans include:

  1. Emergency dental work
  2. Paying unexpected bills
  3. Emergency home repairs

It is imperative that you do not end up relying on the loans to make ends meet each month or any type of frivolous spending. Instant credit is usually meant for emergencies and you should only use it if you are looking for a better way to overcome the financial challenge.

We have many lenders in our network and you can find a solution for any financial emergency. It is imperative that you do thorough research on a lender before you take out a loan from them. Some of the most important questions that you must ask include interest rate, repayment period and the fees associated with the loan.

How Do Cash Loans Work?

How Do Cash Loans Work?

How Do Cash Loans Work?

Cash loans, just like any other type of loans, carry interest and a repayment period. If you are looking for a loan and opt for instant credit, you should understand the process and what is required from you as a borrower. The loan request process has been simplified with easy-to-fill-out forms.

Once you have filled out the form and submitted it, we will link you to the lenders in our network. Your lender will evaluate your loan request and give you immediate feedback. If you are approved, you will get the money in your checking account and you can use it for whatever you wish.

Instant credit is meant for dealing with emergency situations. The terms of the credit may differ from one state to another or from one lender to another.

Read the terms and conditions carefully before you take out the credit. You can check with your lender on the charges of the loan if you fail to repay it on time. An annual percentage rate is an important feature because it will determine the amount that you are required to repay in the future.

When repaying any loan, you should look at the interest rate because it will tell you the amount of money that you are required to repay. You can use loan calculator. By varying the debt period and monthly installment, you will be in a position to know if a loan would suit your needs and requirements.

What Are The Requirements?

What Are The Requirements?

What Are The Requirements?

Different states and lenders have varying requirements and you should understand the prerequisite of the loan before you sign any document. Main requirements include:

  • A valid national identity card
  • A working checking account
  • A proof of income or employment
  • You are not an active military personnel

Your lenders will perform a soft credit check to verify the validity of the information that you have given to them. Once your information has been proven to be true, the next item will be loan disbursement.

You will be notified on the progress of your loan and you should choose a solid plan that will allow you to repay the loan on time.

 I Have Poor Credit Score. Will I Get The Loan?

 I Have Poor Credit Score. Will I Get The Loan?

I Have Poor Credit Score. Will I Get The Loan?

A common fear that many people have is that their poor credit history will be an impediment when it comes to loan acquisition. The truth of the matter is that we connect you to lenders who will give you credit even when you have a poor credit score.

As long as you fulfilled the criteria that your lender needs, you will be in a positioning access the loans. Affordability checks are also important because it will help your lender know if you can afford to repay the loan. It is important that you have a solid financial plan which you can follow up to help you overcome debt.

Late Repayment and Credit Score

Late Repayment and Credit Score

Late Repayment and Credit Score

Late repayment will affect your credit score because your lender may report you to credit bureaus if you fail to repay the loan and all collection practices have failed to work on you.

While this does not mean that you should default the loan, look for ways that can help you deal with the loan with ease. Try to repay the loan on time to avoid complicating your credit issues with the bureaus.

  • We have made the credit request process faster and easier online.
  • Once you have filled the loan request form and submitted it to us, we will forward it to your lender and you will receive notification as soon as your request is approved.
  • The process is very fast and your money will be transferred into your account as soon as your lender approves your loan request.

Benefits Of Instant Credit

Benefits Of Instant Credit

Benefits Of Instant Credit

If you are facing a financial challenge and want to deal with it as soon as you can, instant credit can be your answer. We recommend responsible lending where you borrow money that will help you and you will be in a position to repay the loan on time.

  1. You can deal with emergencies with ease
  2. You can repay the loan by your next paycheck
  3. Poor credit score is not a problem
  4. You can negotiate a good interest rate with your lender

When you require cash on a short notice, these loans will always be readily available. Regardless of what you want to do with the cash, we partner with lenders who are willing to give you a loan to fulfill your specific need.  

 

South Dakota state overview

South Dakota state overview

South Dakota state overview

In this crazy economic environment, keeping a stable financial state for a long period of time seems like an impossible thing to do. Many people are having a real struggle with paying their normal monthly expenses. Even those with stable monthly income are not safe from financial problems as unexpected emergency expenses are always around the corner, waiting to turn your life upside down. When the money is tight and there are outstanding bills that need taking care of, people are not left with many options but to seek financial assistance. While it is possible to borrow money from friends and family, this is not a viable option for some people and their only way of dealing with their financial issues is to seek financial help from the loan lending industry.

What is the best way of dealing with outstanding bills in South Dakota?

What is the best way of dealing with outstanding bills in South Dakota?

What is the best way of dealing with outstanding bills in South Dakota?

Nowadays, there are numerous loan options and private loan lending companies that borrowers can choose from. There is, however, a certain loan type that is a go-to option for many people who are facing financial issues that require a quick answer. That go-to option is payday loans. If you are living in the state of South Dakota and are considering the option of taking out a cash advance to deal with an outstanding financial issue, the following text will give you all the information you need.

Are payday loans in South Dakota legal?

Are payday loans in South Dakota legal?

Are payday loans in South Dakota legal?

Cash advances in the state of South Dakota are legal. Payday loan lending companies in South Dakota are free to conduct their businesses according to the South Dakota Codified Laws. In South Dakota, you can borrow a cash advance with a maximum amount of $500. If a private loan lender violates the limit set by the state loan lending laws, that loan lender becomes a class 1 misdemeanor. According to the South Dakota state laws, there is no limit on the number of cash advances that you can take out, whether it is from a single or multiple loan lending companies. In order for a private loan lending company in South Dakota to offer services online or at a physical store, the loan lender would need to obtain a certain license from the South Dakota Banking Division.

 

  • Not sure what a payday loan is?

Not sure what a payday loan is?

Not sure what a payday loan is?

A cash advance is a short-term loan for a considerably low amount of money, normally not exceeding $1000. Every state in the United States of America has its own payday loan lending regulations and the maximum amount of money that you can borrow, as well as all other terms of the loans, may vary. The standard term of a cash advance in South Dakota is no more than 31 days. This can also vary depending on where you live and the specific loan lending company that you are taking out your cash advance from. Once you take the money from your cash advance, you would normally need to repay that sum within your next paycheck.

  • What happens if you do not repay the money within the given period of time?

 

Keep in mind that even though cash advances can be a great option for managing unexpected financial problems, payday loans are not an option that should be used unless the situation really calls for it. If you fail to repay the amount of money that you have borrowed within the given time period, you may very well end up in a situation a lot worse than the one you were in prior to taking out the loan. In fact, it is quite often that if people fail to repay their payday loans on time, they fall into a debt cycle which is quite hard to get out of once you are in.

What are the benefits of taking out a cash advance in South Dakota?

While payday loans can be a bit dangerous, they can also offer you some benefits that are pretty hard to ignore. Here are some of the main advantages that this service can offer you:

 

  • Multiple application options

Multiple application options

Multiple application options

If you are applying for a conventional loan from a standard loan lending institution such as a bank, you would have to go to the bank to submit your application and eventually to receive your money. With payday loans, you have the option of choosing to apply by visiting a loan lender’s physical store, or by simply going online and submitting your payday loan application without having to leave the comfort of your couch.

 

 

 

  • Having a poor credit score is not a deal-breaker

 

Having a poor credit score is not a deal-breaker

Having a poor credit score is not a deal-breaker

We all know that qualifying for a standard loan from a conventional lending institution would be almost impossible if you do not have a perfect or at least a decent credit score. With payday loans, however, you can qualify for your loan even if you have a poor credit score. The private payday loan lending companies are more interested in your capability of repaying the money on time, rather than what your credit history is. So, as long as you have a stable source of monthly income that can allow you to repay the money that you have borrowed on time, you will most likely face no difficulty in getting approved for your South Dakota cash advance.

 

  • Fast and simple application process

 

Regardless of whether you choose to apply for your cash advance from home or by going to a lender’s physical store, the whole payday loan application process would take you only minutes to complete. Once you have submitted your cash advance application, you will find out whether you are approved for your payday loan or not in as soon as an hour. Once your cash advance application has been approved, you will receive your money within a couple of hours or, at worse, by the end of the following working day.

South Dakota cash advances eligibility requirements

South Dakota cash advances eligibility requirements

South Dakota cash advances eligibility requirements

In order to qualify for your cash advance in South Dakota, you would only need to meet some basic criteria and provide basic information. In order to be eligible for your payday loan, you would need to be at least 18 years old. You would need to be an American citizen or a permanent resident of the United States, and you would also need to show proof of your source of monthly income. The information that you would need to provide is also quite basic. You would have to provide your full name, address, and social security number, and your phone number.

Cities in South Dakota where you can find payday loan lenders

  • Aberdeen
  • Mobridge
  • North Sioux City
  • Brookings
  • Chamberlain
  • Hot Springs
  • Mitchell
  • Huron
  • Milbank
  • Pierre
  • Rapid City
  • Sioux Falls
  • Wagner
  • Watertown
  • Spearfish
  • Sturgis
  • Vermillion
  • Winner
  • Yankton

Oregon payday loan laws overview

In today’s economy, it is really difficult even for hard-working people with a steady monthly income to meet their monthly bills. Even those who make the most out of what they have, cut their spendings, structure their budget in the best possible way by carefully planning and calculating their monthly earning and expenses, even they often struggle to sustain a stable financial state. And life is full of surprises, sometimes an unexpected event can bring unexpected expenses.

Oregon payday loans laws

Oregon payday loans laws

If you can barely afford to pay your monthly electricity bill, how are you going to afford to pay for an emergency expense? Seems like the only way to cope with such situation is by seeking financial help. When a person needs a quick money injection, his friends and family may be the answer. However, for some people, taking out a loan from a close person is a not a viable option. This leads us to the tremendous growth that the loan lending industry has had in the last decade.

There are numerous loan options for borrowers to pick from. Different loan types allow you to take out a loan with fewer application requirements, some loans you can take without having to leave your house by simply going online. Among so many loan types out there, probably the most popular type is payday loans. Payday loans are very popular among many borrowers. However, they are not legal in every state in the United States. Some states set really tough restrictions and limitations on payday loan lending due to the risks that they carry. Below we will see if payday loans are available to the residents of the state of Oregon and if so, why it can be a good idea to get one.

Are Oregon payday loans legal?

According to Oregon payday loan laws, payday loan lending in the state is considered legal and is regulated by the 54 Or. Rev. Stat. § 725A.010 et seq law. The loan lending industry in Oregon is growing and therefore there are more than 450 payday loan lending companies that conduct their business in the state. According to Oregon payday loan law regulations, the minimum loan term for a payday loan is 31 days with a maximum term of 60 days.

The maximum payday loan amount that borrowers can take out in Oregon is tremendously higher compared to what payday loan lending companies offer in most other states as borrowers in Oregon are able to take out payday loans up to $50,00 or up to 25% of the borrower’s monthly income. With that being said, however, there is a restriction on 36% annual percentage rate and the annual percentage rate for a $100 payday loan for 31-days cannot surpass 154%.

Oregon residents are not limited to a certain number of possible payday loans they can take, however, there must be a cooling-off period of 7 days between every consecutive payday loan. In Oregon, a payday loan can be rolled over twice. Payday loan lending companies in the state are not allowed to pursue any criminal action against their customers, however, civil trials in Oregon are legal. Payday loan lending companies are allowed to charge an NSF fee of $20 in  case of a check return.

Why are payday loans so popular in Oregon?

Why are payday loans so popular in Oregon?

Why are payday loans so popular in Oregon?

Despite being quite risky, payday loans can be a go-to option for many borrowers because of the benefits they offer.

  • Having a bad credit is not fatal

While it is almost impossible to get a standard loan from a traditional loan lending institution, such as a bank, if your credit score is not perfect or even good, taking out a payday loan with a bad credit score is rather common. Payday loan lending companies are more interested in your ability to repay the loan in full on the due date rather than what your credit history is.

  • Payday loans are fast

Since they are mostly used to deal with an emergency financial situation, payday loans are an extremely fast service. You can go through the whole application process in a matter of minutes after which, if approved, you will receive your money by the end of the following business day.

  • Payday loans give you multiple options

Payday loans are fast

Payday loans are fast

While it is most likely that if you live in Oregon, you can probably find a payday loan lender’s physical store near your home or your workplace. Payday loans also give you the option to submit your application online. That way you can go through the whole application process all without having to leave the comfort of your living room.

  • What you do with the money is entirely up to you

While most conventional loan lending institutions set certain limitations on what the borrower can spend the loan he’s been given, with payday loans, once you get your cash, you are free to use it in any way you like as long as you do not use the money for something illegal.

Cities in the state of Oregon where you can find payday loan lenders

  • Milton Freewater
  • Albany
  • Bend
  • Brookings
  • Burns
  • Canby
  • Central Point
  • Gresham
  • Hermiston
  • Clackamas
  • Coos Bay
  • Baker City
  • Beaverton
  • Corvallis
  • Cottage Grove
  • Dallas
  • Eugene
  • Forest Grove
  • Grants Pass
  • Hillsboro
  • Myrtle Creek
  • Newberg
  • Keizer
  • Portland
  • Klamath Falls
  • Lebanon
  • Lincoln City
  • Madras
  • Astoria
  • Mcminnville
  • Medford
  • Springfield
  • Molalla
  • Newport
  • North Bend
  • La Grande
  • Ontario
  • Oregon City
  • Pendleton
  • Salem

Conclusion

Even though payday loans in Oregon are quite popular and can be really useful in certain situations, you should be careful when you consider applying for one. You need to be absolutely confident in your ability to repay the loan on time, otherwise, you risk getting yourself into more financial trouble.

Missouri payday loan laws overview

When we talk about borrowing money, the residents of Missouri have more than a few lending options to choose from. Probably the most popular type of loan people usually turn to is Missouri payday loans, also known as cash advances. Payday loans can be one of the easiest ways to get cash quickly when you have pressing financial obligations to attend to. In Missouri, there are many payday loan lending companies offering payday loans online or in their physical store. Before you decide to apply for a cash advance, it is for the best that you know all the regulations and rules regarding that type of loan.

With its population of over six million, the state of Missouri takes the 18th place in the United States in most populous states race. In December 2014, the unemployment rate of the state was lower than the national unemployment average rate, standing at 4.8% compared to 5.5%.

Are Missouri payday loans legal?

Missouri Payday Loan Laws

Missouri Payday Loan Laws

Cash advances in Missouri are completely legal. The maximum loan amount you can borrow is $500. Payday loan lending companies provide their services online and on-ground, however, they need to be licensed by the Missouri Division of Finance to do so.

Payday loan lending companies are required by the Missouri payday loan laws to provide their clients with all the needed information regarding their loan contract before they sign it. All conditions and terms of the loan must be included in the contract. Borrowers can cancel all transactions by the next business day.

Why getting a payday loan in Missouri is a good idea?

First off, payday loans are a very fast service. They are quite unlike traditional banks where the process of getting a loan may easily take weeks or even months.

With payday loans, it is a whole different story. The process of applying is extremely fast and simple. You can do the whole thing in the comfort of your home by getting the loan online. Another big benefit of Missouri payday loans is that they are not available only to those with good credit score. With payday loans, you can have a bad credit rating and are allowed to apply for a loan. Another attractive feature is that once you get your money, what you want to do with it is entirely up to you as long as you don’t do anything illegal. Of course with so many benefits, payday loans have downsides too. Probably the greatest of which is their very high interest rate. That is why they are mainly used as a short-term solution and  you need to pay it back by your next paycheck.

Missouri payday loans laws restrictions

  • Missouri payday loan laws restrictions

    Missouri payday loan laws restrictions

    Annual percentage rate. A lending company can charge a maximum of 1,950% APR for a two-week $100 loan.

  • Finance fees and rate. The maximum fees and interest you’ll need to pay for a single loan during the whole period of the loan may not surpass 75% of the initial amount of the loan. To simplify this, the maximum finance charge you’ll need to pay for a two-week payday loan of 100 dollars is $75.
  • Collection fees. The only real legal restriction that state laws have imposed on payday lending companies is that they are prohibited from charging check-bouncing fees over and over again by trying to collect the same check. Lending companies can charge an NSF fee if there is insufficient funds in the account and for collection costs such as attorney’s fees and court costs.

Who is eligible for a payday loan in Missouri?

To get your payday loan, there are certain requirements that you must meet:

  • You’re an American citizen or a permanent resident of the United States
  • You are 18 years old or older
  • You have a steady source of income

In order for your application to be completed successfully, there is more information that you must provide:

  • Your birth date, name and photo ID
  • Your phone number, email and residential address
  • Details of your income and employment
  • If you choose to apply for the loan online, you will also have to enter your bank account details

Cities in Missouri where you can find payday loan lenders:

  • Kansas City
  • St. Louis
  • Springfield
  • Independence
  • Columbia
  • Lee’s Summit
  • O’Fallon
  • St. Joseph
  • St. Charles
  • St. Peters

FAQs

  • Missouri payday loans

    Where to Get Payday Loan in Missouri

    How to file a complaint?

Whatever complaints you have regarding payday loans in the state of Missouri, you should contact the Missouri Division of Finance. You can file or submit a complaint via mail, email or fax.

  • What is the maximum loan term of cash advance loans in Missouri?

The loan term for Missouri payday loans is between 14 and 31 days.

  • How many loans can you take at the same time?

You can have a maximum of $500 of outstanding debt with any one lender at one time.

  • How many rollovers can you get?

You may rollover your payday loan for up to six times, with the condition that you bring down the principal amount by a minimum of 5% with every renewal.

  • What will happen if you are not able to pay back the loan on time?

In Missouri, there are no installment or repayment plan options to choose from. If you default on your loan repayment, the lending company doesn’t have the right to pursue any criminal action against you. You will still be responsible for paying back the loan in full, including  collection and interest fees, plus reasonable attorney’s fees and court costs.

Mississippi payday loan laws overview

In the state of Mississippi, payday loans are completely legal, therefore payday loan lending companies can freely conduct business. Mississippi payday loans are available both online and in physical stores.

Mississippi is named after the Mississippi river which is situated at the state’s western boundary and flows into the Gulf of Mexico. The name of the state is translated from Native American folklore and it means “Father of Waters.” Mississippi was admitted as the 20th state to join the Union. Today, it is the 32nd most populous state in the US. Its largest metropolitan area and capital is Jackson city.

In 2010, the total state product of Mississippi stood at $98 billion. The state is known for having the lowest living costs in the United States.

Mississippi payday loans laws

Payday loans in Mississippi

Payday loans in Mississippi

Payday loans are a type of short-term loans, also known as cash advance in which the borrower takes out a small amount of money which he then must pay back by his next paycheck. In Mississippi, cash advance lenders can offer loans to borrowers with a 22% interest rate, meaning that for each $100 that is given out, $22 must be paid as interest.

The maximum amount a person can borrow with a payday loan in Mississippi is $400 per check and $500 if fees and charges are included. Rollovers are forbidden by Mississippi state law.

There are more than 1,100 cash advance lending companies operating in Mississippi. Borrowers can take out loans by going to a physical store or just by visiting a lender online. In recent years, the internet has significantly increased the number of payday loan providers.

Why go for a payday loan?

Choosing payday loans over traditional bank loans can have many different benefits:

  • Multiple options. Mississippi payday loans are probably the most popular type of borrowing there is, which means that since the industry is so big, there are a lot of companies to choose from. All you have to do is find a lender that best suits your needs and go online to submit your application.
  • They are really fast. Once you have submitted your application, it only takes a couple of hours for you to get your loan. If you decide to apply for it online, you may have to wait until the following business day before the cash is in your hands.
  • Spend it how you want. Unlike traditional banks where before you even get your money, you have to be very specific about why you need it and how you plan on spending the cash. With payday loans, once you’re done with the simple and quick application process and you have your money, you can spend it in whatever way you like.
  • Lenders are willing to work around poor credit. No more sweating over your credit rating, no more rejection from banks. You may apply for a payday loan even if your credit score is far from good. Having a chance to be approved of loans with bad credit is one of the main reasons why people turn to payday loans.

Mississippi payday loans charges and fees 

  • Mississippi payday loans fees

    Payday Loans Fees in Mississippi

    Finance fees and rate. If you take out a sum not exceeding $250, you won’t have to pay more than $20 per $100 loan. If the cash amount is somewhere between $250 and $500, the finance charge is limited to $21.95 for every $100. The maximum finance charge for a two-week $100 cash advance is $20. The annual percentage rate for a two-week $100 cash advance cannot be beyond 520%.

  • Collection fees. When entering the collection stage, your lending company has the right to charge you an NSF fee. You also may have to pay some disclosed court awarded fees.
  • Rollover fees. There are no rollover fees since rollovers are forbidden by Mississippi payday loan laws.

Payday loans eligibility in the state of Mississippi

Whether you want to apply for online payday loans or go to a physical store, there are certain criteria that you’ll have to meet for your submission to be accepted.

  • You must be a permanent resident of the United States or an American citizen
  • You must be 21 years old or older
  • You need to have a steady source of income

In order to successfully complete your application, there is some information that you must provide.

  • Your birth name and details for contact
  • Your social security number, and a valid form of ID such as your driver’s license or passport
  • Details of your income and employment

Cities in Mississippi where you can find payday loan lenders:

  • Jackson
  • Gulfport
  • Southaven
  • Hattiesburg
  • Biloxi
  • Meridian
  • Olive Branch
  • Tupelo
  • Greenville
  • Horn Lake