Get Money Deposited in Your Account With a Payday Advance

Learn How Our Online Loans Can Get You Back on Your Feet

Hey friends! This is Randy, and I work with Ready Payday Loans. My job is to help our customers understand their options for getting past financial hurdles. 

Financial emergencies always hit you when you don’t expect them. You can think you’re financially stable, only to get hit with an unexpected bill. 

With these types of expenses, there isn’t time to apply for a traditional loan through a credit union or bank. Those loans can take weeks or months to determine if you’ve been approved. Once you get approved, you might not need the money anymore. 

At Ready Payday Loans, we offer our customers payday advances. We’ll get you the money you need to get through to the next payday. Apply online for an online loan today.

What’s a Payday Advance?

A payday or cash advance is a short-term loan to assist with financial emergencies. Many employers don’t offer cash advances to their employees. Instead of stressing about how you’ll pay for an unexpected bill, apply for a payday advance. 

You’ll receive your loan in one lump sum. You can pay off your expense and then repay your loan on your next payday.

Some payday advances are due in a few weeks while others can last for several months. That gives you the option to make monthly installment payments. You can find a loan option that best matches the terms you’re looking for.

Why Would I Need a Payday Advance?

Payday loans are for those who need assistance paying off an emergency or immediate expense. You might not have enough money to make ends meet this month. Whether you need help with home repairs, medical bills, or another type of cost, our payday advances will ease your burden.

How Do I Know if I Can Apply for a Payday Advance?

You need to meet a few requirements to apply for a payday advance. You’ll need to be over 18 years old and a United States citizen. You should also have an active checking account and make around $800 a month. 

Potential borrowers will need to be able to afford to make monthly payments for their loans. There shouldn’t be any recent bankruptcy on their credit report.

Can I Qualify if I Have Bad Credit?

Ready Payday Loans understands that many people have no or bad credit scores. Loans through credit unions and banks are traditionally targeted at those with good or excellent scores. 

You shouldn’t be deterred from applying if you don’t have the best credit score. We partner with reputable lenders that have options available for those with bad credit. The main thing our lenders look at is if you have stable employment and regular income.

Can I Make Installment Payments on My Payday Advance?

Most payday advances are paid in full with your next paycheck. Some lenders might give you the option to make monthly installment payments (see online installment loans). You can borrow the money and make payments for as long as 60 months. 

A longer repayment period allows you to spread out your payments over time. That can be a great option when you borrow a larger amount of money. You can always pay off your loan early if you have the ability.

Will I Receive My Payday Advance Fast?

Some payday advances might deposit into your account on the same day you get approved. This is especially true if you’re borrowing a small amount, like a few hundred dollars. If you’re approved and you applied during normal business hours, you can receive your money immediately or in a couple of hours. 

Larger loans might require a few extra steps in the verification process. Lenders might look a little deeper into your employment and income information. You should still expect to receive your payday advance that day or the following business day. 

To ensure the loan process goes quickly and smoothly, you should also put real and up-to-date information in your loan application. That way the lender doesn’t have to slow down your application by following up with additional questions. 

Once you’ve applied for a payday advance, keep your phone handy. A lender might reach out via email or phone if they need more information.

What Are the Benefits of a Payday Advance?

There are numerous advantages to applying for a payday advance.

More Relaxed Requirements Than Other Loans

Traditional personal loans through a bank or credit union require countless documents to apply. You’ll need to provide them with personal and financial documents. You’ll also need a good credit score and tell them what the purpose of the loan is. 

You don’t need to meet unrealistic qualifications to apply for a payday advance. Borrowers with lower incomes and bad credit can sometimes get approved by our lenders. Our goal is to help people overcome their financial problems, not make them worse.

It’s an Unsecured Loan

Some of our borrowers with poor credit can qualify for a payday advance without needing to put down collateral. Some lenders might ask a person to put down their home, car, or another asset as security in case they don’t make their payments. 

You don’t have to put your property at risk when you apply for a payday advance. Our lenders look at other things when determining if you’ll qualify for a loan, such as your income.

You’re Eligible for a Cooling-Off Period

There’s a 14-day cooling-off period that comes with payday advances. By law, you’re entitled to cancel your loan agreement within 14 days if you change your mind. 

If you decide to cancel your payday advance, you have to pay off your loan in full. This payoff amount includes any interest that might’ve accrued. However, the lender needs to refund you for any fees or charges you’ve paid.

How Our Process Works

Step One: Fill Out Our Online Application

You can apply for a payday advance on the Ready Payday Loans website. You’ll have to provide personal details like your name, birth date, employment information, and checking account info.

Step Two: Get Approved

You’ll find out within a few minutes if you’ve been approved.

Step Three: We Deposit Your Loan

Ready Payday Loans will deposit your payday advance directly into your checking account. You’ll receive your cash within a few hours or on the next business day, depending on what time you apply. 

Why Partner With Ready Payday Loans for a Cash Advance

The goal of myself and the team at Ready Payday Loans is to give hardworking people like yourself the financial assistance they need. We understand that various circumstances can throw your finances in a loop. No matter what life hits you with, we’re here to help you handle it. 

Our online application process for our loans was created to be straightforward. Financial emergencies can be stressful. You shouldn’t have to add to that feeling by trying to find a local loan office to get the money you need.

Your Data Is Secure

Your financial security depends on keeping your identity protected in the real and online world. Ready Payday Loans follows strict protocols. Our partners ensure that your sensitive data is safe from identity thefts, hackers, and more. 

We’re Your Trusted Financial Partner

Don’t put off paying your bills because you haven’t gotten your paycheck yet. Our loan experts are available to help you find a financial solution. We’ll make sure you’re not alone when dealing with unexpected costs.

We Don’t Discriminate

Traditional loans are designed for those with impeccable credit scores and high-paying jobs. We understand that isn’t a reality for a lot of people. We’ve successfully helped numerous customers with bad credit scores find a loan option that helps them.

Committed to Transparency

You can trust that we’ll be honest and transparent with you throughout the entire process. Your loan documents will lay out your payment terms and your interest rates. You won’t get hit with any surprise costs while you pay back your payday advance.

Frequently Asked Questions

Am I Eligible if I’m Self-Employed?

Yes, you can apply for a payday advance if you’re self-employed. You’ll need to show proof that you regularly receive income. Being self-employed won’t have an impact on your approval chances.

Can I Get a Payday Advance if I’m on Disability or Social Security?

Yes, disability and social security payments count as a source of income for a payday advance. You’ll need to report that you receive this income during the application process. You might have to provide a copy of your award letter depending on what state you live in.

How Long Does a Payday Advance Last?

Most payday advances last for about 21-28 days. The money is borrowed upfront and gets repaid in full with your next paycheck. Some payday advances can last three, 12, or 60 months.

How Much Do Payday Advances Cost?

The cost of a payday advance depends on various factors. These factors can include the amount you borrow, your credit score, and your loan term. These fees will be spelled out clearly in your loan agreement before you sign.

Apply on Our Website for a Payday Advance

Applying for a payday advance with Ready Payday Loans is easy. Apply online today. Reach out to me or another team member if you have any questions.