PaydayLoansOnlineGuru.com specializes in fast cash loans. Satisfy your cash needs without waiting in bank lines, borrowing from friends, or being burdened with late payment fees. Our two-step application process is confidential, secure, and will get the money you need.
Fast Cash Advances!
Our cash advances can be used for any purpose. Although most people use them for emergencies, many people use them for holiday shopping, to pay off a bill or even just a night out with your spouse.
Applying for our payday loans is amazingly simple and in many cases results in customers having their money waiting for them in their bank account within 24 hours.
It is really that simple.
Do You Need Emergency Cash Repair Works, Unexpected Bills, Travelling or Purchases?
PaydayLoansOnlineGuru.com is here to help you find the best payday loans online!
Don’t Make The Same Cash Advance Loans Mistakes Like Others Have... Know What You Are Getting Into!
Eventhough payday loans can be really useful at times, they are often accompanied with higher fees and interests. So unless you are really in a desperate situation and/or don’t mind fulfilling the commitment afterwards, stay away from such personal loans.
The process of applying for Payday Loans Online varies. Some lenders are more flexible compared to others. Most will require you to fill a form in their website and provide them with your ID and proof that you currently have a job or income. A good credit rating helps but it is not mandatory for some lenders on the internet. Successful applicants can expect to receive the amount applied for in as little as 20 minutes to within 24 hours.
There are many lenders providing payday loan online. You will notice this when you conduct a search online. Immediately you will be in a spot where you have to decide between 2 or more lenders. To assist you in making the right choice, below is a popular guideline for choosing a cash advance loans lender.
Is the lender really a lender?
There are cases where you may stumble upon brokers or introducers instead of a lender. It is highly recommended that you apply for payday loans from a registered and regulated lender. You don’t want to run the risk of borrowing from an unlicensed lender.
Unlicensed lenders are not govern by relevant financial authorities who will then have no control over the way the lenders conduct their business. This basically means, no control over the rates and fees charged and the lender’s terms. Dealing with unlicensed lenders will put you in a negative position.
It is completely fine to use brokers or introducers so long as you know that they are referring you to or using legitimate lenders. Lenders and introducers can even get you better deals at times. This is mainly because they have the bargaining power over lenders.
You can easily find out if a lender is registered by researching their website. Most of them will have the neccesary information stated in their ‘About Us’ or ‘Footer’ section. If you want to save time, try to give them a call. Get their business registration details and check with relevant authorities.
What is the impression you are getting from the lender’s website?
Upon visiting the lender’s website, ask yourself about the impression you are getting. Do they look legit? Do they look professional? Do they look reliable? etc etc. Payday loans online is a serious business for them so if you are not getting the right impression from them, chances are, their service is going to be the same.
Are they easily contactable?
Reliable payday loan websites should provide contact details readily using various medium. We are talking about email addresses, live chat, toll-free/phone/fax & physical address. You can easily find such information in the ‘Contact us’ section of the lender’s website
You should call the lender to see if there’s an actual person behind the phone number. Calling and getting an automated voice message is not what you want.
Avoid lenders who do not provide any physical address and/or contact details.
Look at their fees and interest charges.
How much fee and interests you pay upon taking up a cash advance loan varies among lenders. This is something you want to find out when you are visiting individual lenders website. Remember to look at late payment charges or default penalty if you miss a repayment.
You also need to check how the lenders collect repayments. Some prefer to collect payments directly from your debit card, others would set a direct debit from your account. Repayment information should be stated clearly at the lender’s website.
Review your lender’s privacy and information protection.
Read your lender’s privacy and information protection policies. It should clearly describe what they will do with your information and how they will protect it. If you don’t agree to their policy and terms, it is time to move on to a more suitable lender.