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How a Cash Advance Works

benjamin-franklin If an unexpected emergency has come up in your life, cash advances can be an option when you need money quickly. When used responsibly, many people turn to cash advances for help with true emergencies, such as making a car payment or paying their rent before an important deadline.

It’s simple how a cash advance works. A cash advance from a short-term lender can be quick and easy, and often times can be a better alternative to bounced checks and finance charges. The first step is to find a lender. MoneyMutual.com is a marketplace where you can connect with a diverse group of lenders who can help. While we are not a loan broker or lender, and are not involved in any decision-making about your cash advance, you can find a short-term loan lender who is able to provide you with the loan you need.

The process to get a cash advance begins by submitting your information online or over the telephone. The online process is quick and easy, and you could find a short-term loan lender who is willing to work with you almost immediately. If a lender decides to work with you, they may have some additional questions and will contact you by phone, email, or text messaging for more information. Keep in mind that lenders have various requirements to be met before they offer you a loan -- such a steady job or regular income like a monthly retirement check, for example. Many lenders may also require you to have a checking account in good standing among possible other requirements.

If the lender offers you a loan, you could have the money deposited into your checking account in as little as one day. The process can vary depending on the lender, but it is possible to start the entire process on a Monday morning and have the cash in your checking account by Tuesday or Wednesday.

many people turn to cash advances for help with true emergencies

twenty-change Before receiving the money, you’ll have to agree to the lender’s terms and conditions. Please read over these very carefully before you accept. The terms will spell out how much you are borrowing and the due date for repaying the loan. Typically, payment is expected on your next payday – one reason why cash advances are also known as payday loans. Paying your loan back on time will help you avoid additional fees.

Sometimes life throws us emergencies that are unexpected, so getting a cash advance may be a viable option for money you need quickly. Make sure you read over the terms and conditions of your cash advance and how it works so you can use it responsibly.