cash advance

Cash advance is a type of short-term loan that require no credit check, giving you instant access to money you need when you need it.

Convenience When You Need It

One big lesson that 2020 has taught us all is that the unexpected can happen at any time. The loss of a job or a medical emergency can result in a temporary financial crisis. So, where do you turn when this happens? Friends and family? Retirement Savings? Home Equity Loan? These are all excellent options, but what if you don’t have those options? What do you do then? There is one more option, but it has to be approached carefully.

Short-Term Loans

Cash Fast Centers offer quick, short-term loans to people who have run out of options. The process is short, and it doesn’t require a good credit score for approval. These loans are best used for temporary cash flow problems, not for ongoing needs. The fees and interest rates can be relatively high, and payback terms are short.

There are different types of loans available through the Cash Fast Center. The type of loan you choose depends on your assets and the amount of money you need. The first type of loan is called a title loan.

Title Loans

These loans are easy to obtain, but you have to own a car outright to qualify. The benefits of a title loan are no credit check needed and a quick process. You can get cash quickly. The cons of a title loan are a short payback period (usually less than 30 days) and the risk of losing your vehicle. The lender holds the title of the car (hence the name) as collateral, and if the loan is not paid, the lender keeps the car.

If you apply for a title loan for your car, you could receive approximately 25% of the car value. The amount of money you receive will [...]

By |November 23rd, 2020|Loans|Comments Off on Convenience When You Need It|

How to Borrow Money During a Crisis

When an emergency happens, you may not have enough money on hand to deal with it. Where do you turn? How can you get a loan that is fast and easy for a quick temporary situation? If you’re looking for a cash advance loan, there are still options available to you. You might be wondering how the pandemic is affecting the process. Are loans still available at the same rate and with the same terms? The answer is – thankfully- yes.

Cash Advance Loans

The next step is to determine which loan is right for you. There are usually at least two types of loans offered through cash advance loan centers: payday loans and title loans. To determine which one is right for you, read on. Soon enough, you’ll be on your way to getting what you need.

Payday Loans

Payday loans are the most well-known option. Vendors such as CashFast can offer a quick advance on your paycheck. Payday loans are often accessible to many people that might not otherwise qualify for a loan from a bank or credit union.

The drawbacks, however, are the interest rate and repayment terms. Interest rates are incredibly high, and – in some cases – the agreement may give the payday company the right to garnish your wages until the loan is repaid.

This option is best if you can repay the loan within 2-4 weeks; thus, the name “payday” loan. Payday loans help deal with short term cash flow problems (i.e., an unexpected expense occurring near the end of a pay period). It is essential to repay the loan quickly to minimize the interest and fees. If you’re not confident that you can repay a payday loan fast, then this may not [...]

By |November 9th, 2020|Loans|Comments Off on How to Borrow Money During a Crisis|

How Payday Loans Can Help In An Emergency

It’s normal for some people to find themselves short of cash towards the end of the month. Sometimes an unexpected expense happens. It becomes embarrassing to borrow when people know you have a job. If you ever find yourself in this situation, a payday loan might be just what you need. A quick payday loan saves you from the shortcomings of having to borrow from friends and relatives. For any of your financial emergencies, payday loans always swoop in to save the day. Below are different ways on how payday loans can help you out in a crisis.

Flexible Repayment Schedule

Taking a payday loan doesn’t mean all your financial troubles are over. While it might take you some time to get back on your feet, the payday loans will help push you out of a financial hole. The lender understands your situation, and this is one reason the payday loan comes with a flexible repayment plan. It’s upon you, the borrower, to schedule a payment offer that will stretch and cover the troubled times.

Quick Cash

When financial emergencies arise, quick cash is the only thing that can help you out. With payday loans, you receive money on the same day, depending on the amount and the terms for the specific money lenders. Some directories offer information about different lenders and their terms and conditions as well.

No Need to Worry About Credit Score

With payday loans, you only have to be worried about the terms and conditions of the lender. You don’t have to be bothered about your bad credit score. Payday loan providers only take into consideration the repayment plan. The lender doesn’t mind if you have a low or bad credit score as long as you [...]

By |August 17th, 2020|Payday loans|Comments Off on How Payday Loans Can Help In An Emergency|

Why Use A Direct Payday Loan Lender

Surviving paycheck to paycheck is never easy, but it is hard for many people and families. However, in the event of an emergency, anyone may find themselves strapped for the funds they need to resolve the crisis without falling into financial ruin. In such a crisis, a stopgap measure may be the difference between financial safety and disaster. In such situations, payday loans from a direct payday lender might do the trick.

Why a Payday Loan?

Payday loans are fast ways to get a quick financial stopgap in the event of a financial emergency between paychecks. Working with a direct payday lender is a fast and easy way to cover emergencies since banks or third-party lenders do not handle them. Those in need of a payday loan can get them fast without agonizing over bad credit or long bank delays.

There are other benefits to direct payday loans as well. For one, repayment of the loan is just as easy as getting the loan itself. This ease is because, just like the payday loan comes directly from the lender, payment is also direct. As a result, the loan process is quick and easy. Payday lenders often respond to loan applications with a day, rather than days or weeks banks or loan companies can take. For money needed in a hurry, this makes payday loans ideal for those who require cash fast.

Payday loans also utilize far less personal information than traditional loans. Payday loans do not increase the risk of identity theft or having private data sold to advertisers. Banks and other third-party lenders are notorious for selling such information, and being unable to keep it secure from identity thieves.

Contacting payday lenders is much easier than dealing [...]

By |August 3rd, 2020|Payday loans|Comments Off on Why Use A Direct Payday Loan Lender|

Traditional Banks Vs. Payday Lenders

People in difficult financial situations—including those with bad credit—typically endure an uphill battle in finding viable financial solutions. In such cases, the most common options for short-term loans are payday lenders or traditional bank overdrafts.

Unfortunately, consumer advocacy groups tend to paint payday lenders as the bad guys due to their high-interest rates for payday loans. But by looking at financial data, this criticism is more-or-less unwarranted with what banks charge for overdrawn accounts.

The Hidden Truth of Traditional Bank Overdraft Fees

A rarely discussed topic among consumer advocacy groups is traditional banks raking huge profits from unscrupulously high fees on insufficient funds. According to data from the Consumer Financial Protection Bureau (CFPB), banks make more than $17 billion annually from insufficient funds and overdraft fees.

Unless consumers take an active initiative to monitor their bank accounts consistently, insufficient fund fees can quickly add to exorbitant amounts. For example, let’s assume that a bank charges an average fee of $35 for every transaction that exceeds the level of funds in a checking account. A slight $10 overdraft could result in a $35 NSF fee, equating to an interest rate of 350% (per transaction).

To make matters worse, news reports—and even lawsuits—suggest that some traditional banks purposively manipulate the system to claim more overdraft fees. The prevalence of these overdraft practices is reiterated by articles appearing in Forbes and ABC News. The subject of burdensome overdraft is even touchier today amid the COVID-19 crisis as banks capitalize on unsuspecting account holders to make huge profits.

The Less-Discussed Benefits of Payday Loans

Contrary to traditional banks’ overdraft facilities, payday loans are structured to be transparent and upfront with their fees. Sure, the interest rates may be higher than the average APR of credit [...]

By |July 20th, 2020|Payday loans|Comments Off on Traditional Banks Vs. Payday Lenders|

Why Choose Cash Fast Loan Centers for a Payday Loan

There’s more than one option available if you’re seeking a payday loan. So why choose Cash Fast Loan Centers? Below are five good reasons why you should pick us for your next payday loan. 
We make it fast and easy to get the money you need 
When you come see us for a payday loan, you’ll be in and out in less than 15 minutes. Just bring the following items, and if you’re approved, you’ll walk out the door with cash in hand:

Your most recent checking statement
Driver’s license
Social Security card 
Checkbook
Your most recent pay stub 

We don’t even run a credit check as part of the loan process. After all, we don’t call ourselves Cash Fast Loan Centers for nothing.
We’re a reputable lender 
We’re a proud member of the Community Financial Services Association of America’s Best Practices. What does that mean? It means we’re required to follow strict standards that ensure responsible lending practices and protect your rights. Not all payday loan centers can be trusted, and we choose to hold ourselves to a higher standard.   
We guarantee the lowest rates in the area 
You won’t find a lower rate for a payday loan in the area. At Cash Fast Loan Centers, we offer the lowest rates — guaranteed. 
We keep your personal information confidential 
At Cash Fast Loan Centers, your personal information belongs to you. We don’t share your information with any other parties, and the entire process remains confidential. 
We’re conveniently located
We proudly serve the areas of Charlotte, Concord, and Gastonia in North Carolina, along with Rock Hill and Fort Mill in South Carolina. Our locations are open six days a week and [...]

By |October 31st, 2019|Payday loans|Comments Off on Why Choose Cash Fast Loan Centers for a Payday Loan|
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    How Cash Advances Fit Into Spring Cleaning Your Monthly Budget

How Cash Advances Fit Into Spring Cleaning Your Monthly Budget

Budgeting may seem like a tedious chore, but it’s an important part of life. You need to establish a solid budget to ensure that you have money to pay your bills, support your savings, and live comfortably. Many people aren’t sure how to properly organize their budget and may need assistance, which might include a cash advance loan.

Take a look below at a few helpful tips for managing your monthly budget this spring.
4 Spring Budgeting Tips
Budgeting is more than just writing down a list of expenses and subtracting them from your paycheck. It’s about structuring your assets into an easily manageable system so that you don’t find yourself stuck in a financial rut. Here are a couple of pointers to assist you with managing your budget this season.
Establish an objective
What is your goal for your budget? Do you just want to pay off your bills each month, or are you trying to build up your savings?

You need to establish what exactly you want to get out of your budget, even if it’s something as simple as paying off a loan. Having a clear goal is like having a target, and your budget is the arrow.
Prepare an emergency fund
Emergencies can happen at any moment. Is your budget prepared to handle one? No matter what your objective is, you should always have some type of emergency fund on standby in case something unplanned happens.

Ideally, your emergency fund is equal to approximately two months of take-home pay. If you are unable to secure an emergency fund right away, consider a cash advance near you to help you get started.
Regularly audit your budget
Make maintaining your budget an appointment. [...]

By |May 15th, 2019|Cash Advance Loans|Comments Off on How Cash Advances Fit Into Spring Cleaning Your Monthly Budget|

Ask These 5 Questions Before Your Next Cash Advance

Before applying for a cash advance, it may be wise to stop and ask yourself some questions. Doing so will help you make the best decisions with your money and give yourself the best chance at a positive and successful loan experience.

What to Ask Yourself When Applying for a Cash Advance
Before applying for a cash advance loan, ask yourself the following five questions.
Which type of cash advance should I get?
Cash advances come in multiple forms, and it’s important to get the right type of loan for your situation. Two popular types of cash advances are payday loans and car title loans. A payday loan gives you an advance on your next paycheck, while a car title loan provides you with a larger sum of money using your car as collateral.   
What will I need to bring?
You’ll want to come prepared, so ask yourself what you’ll need for the application process. Depending on which type of cash advance you apply for, you may need some combination of the following:

Your most recent checking account statement
Your checkbook
Your most recent pay stub
Your driver’s license
Your Social Security card
A piece of mail to verify your address
Your car title
Your car registration information

Is the cash advance loan center reputable?
You don’t want to borrow money from somebody you can’t trust. Ask yourself if your local cash advance loan center is respected, reliable, and reputable.
How much time should I plan for?
Life can be hectic, and you might not have all day to spend at a cash advance center. Find out how long the application process takes and work that (along with [...]

By |April 30th, 2019|Cash Advance Loans|Comments Off on Ask These 5 Questions Before Your Next Cash Advance|

When to Spend, When to Save, and When to Secure a Cash Loan

It’s tough to deny yourself the satisfaction of making a purchase you’ve been eyeing for a long time, whether it’s a large investment or a simple pleasure. But ensuring you’re capable of making these purchases without placing your financial stability in danger is key.

Let’s explore how to decide when you’re ready to spend and when it’s best to keep your cash in the bank.
Times to Acquire a Cash Loan and Spend
When you genuinely need it
Certain items are critical to your everyday well-being and should be prioritized. While many of these investments can be costly — like car repairs, roof maintenance, and dental work — most change your life for the better by preventing more costlier long-term problems.

When the unexpected happens, and you don’t have the cash to cover a necessary expense, cash advance loans can be a short-term solution.
When you’ve been saving, and you feel like you deserve a reward
Setting and reaching a savings goal is something to be proud of. If you’ve surpassed your goal with ease, there’s nothing wrong with treating yourself. Just make sure you have plenty of backup funds to cover any unexpected expenses before booking that international flight or buying the latest smartphone.
Times to Save
When you’ve scored some extra cash but still need to save for a necessity
When you earn a little extra money through a bonus or promotion, it can be tempting to spend it in celebration. But first, be aware of your needs. For example, if you’re still commuting in that 1998 sedan that’s logged 200,000-plus miles, it’s likely you’ll need a new ride in the near future.

While the extra cash you’ve earned might be significant, [...]

By |May 31st, 2018|Cash Advance Loans|Comments Off on When to Spend, When to Save, and When to Secure a Cash Loan|

5 Times When a Payday Loan is Your Best Solution

It isn’t pleasant to think about, but we can’t always control what happens. Sometimes expenses can pop up out of nowhere and derail your financial plans. If you’re worried you won’t be able to make ends meet this month, a payday loan may be the best choice for you.

Here some reasons you might consider looking for a payday loan center near you.
5 Situations Where You May Need to Visit Your Nearby Payday Loan Center
Emergency Medical Costs
Whether it’s from an accident or sudden illness, medical costs add up quickly, especially if hospitalization is required. If you need cash quickly to take care of medical expenses, a payday cash advance can help.
Cover Basic Expenses
Even small expenses can throw off your budget. Sometimes you find that you’re completely out of money by the end of the month, but you still need to buy groceries or pay utility bills. If you can’t put these expenses off, a payday loan is your best choice.
Car Troubles
If you’re like most Americans, you use your car to get to work every day and you can’t afford to postpone auto repairs. However, mechanic bills can put a major dent in your budget. A payday loan can help you get your car back on the road.
Pay Time-Sensitive Expenses
Emergencies aren’t the only reasons to get a payday loan. Sometimes time-sensitive opportunities like special deals, rare items, or limited events present themselves. If you don’t have the money, a payday loan can keep you from missing out.
You’ve Failed to Acquire a Bank Loan
Sometimes your credit score may have been brought down by emergency debt. Although it isn’t anything to be ashamed of, it can [...]

By |February 22nd, 2018|Payday loans|Comments Off on 5 Times When a Payday Loan is Your Best Solution|