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      June 15, 2019

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Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

Cash Advances Offer Fast Cash When You Need It

Often referred to as a cash advance, cash advances are designed to provide fast cash in exchange for the borrower’s promise to repay the balance upon their next payday. Whether it’s an unexpected car repair, a doctor visit or simply a time when funds are a little tight, cash advances may be a short term answer to your problem.

Because they do not typically involve a credit check, cash advances are available for those who have past credit problems. Rather than focusing on the past, payday lenders look at your current situation and your ability to repay the loan. As such, you must have a steady job and a guaranteed paycheck in order to qualify for cash advances. Generally, these types of loans are not available to those who are self-employed or otherwise have unpredictable work schedules.

Upon an approval for a cash advance, you will be given cash directly by the lender. In return, you will commonly be asked to provide a post-dated check, written for the date of your next payday, for the amount of the loan. In some cases, you will be required to consent to an automatic debit from your bank account on a specific date. Unless other arrangements are made, the lender will cash the check that you provided or debit your account on the agreed upon date. In some cases, cash advances may be extended upon approval by the lender. This means that, instead of cashing the borrower’s check, the loan would simply roll over for another specified amount of time. In exchange, the borrower would pay interest and possibly additional fees for this service.

In a world where so many families are living from one paycheck to the next, it is often life’s unexpected events that cause a financial pinch. When this occurs, it can be very difficult to wait for the next paycheck to arrive. In emergency situations like these, the ability to obtain fast cash when you need it is a blessing. Perhaps it isn’t an emergency, but maybe you have come up short on grocery money, gasoline or the electricity bill is due. Necessities, although a regular bill, often have a way of sneaking up on you.

When seeking quick cash via cash advances, you often need to provide check stubs from your current employer, along with the company’s name and address. You may also be asked to state your length of employment, which will help the lender to determine whether or not your employment is steady. Due to the fact that a credit check is not typically required, verifying your employment becomes a top priority when it comes to cash advances. If you plan to submit an application, you may also need valid photo identification and a checking account.

By their very nature, cash advances are to be used for obtaining fast cash when you need it. By that same token, you should repay the loan as quickly as possible in order to avoid additional fees and interest.

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Published:  Fri, 14 Jun 2019 16:59:00 GMT



How to get cash from a credit card

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Published:  Wed, 29 May 2019 10:33:00 GMT



Cash-Advance Startup Brigit Valued at About $150 Million in Lightspeed-Led Deal

Brigit, a startup that provides consumers with cash advances as alternatives to payday loans, is finalizing a new round of financing that would value the early-stage fintech company at about $150 ...

Published:  Fri, 31 May 2019 16:03:00 GMT



Third Circuit Finds Class Members' Cash Advance Agreements May Fall Short of a True Assignment

On April 26, 2019, the Third Circuit Court of Appeals reversed in part and affirmed in part a district court order purporting to void cash advance agreements entered into by and between class members ...

Published:  Tue, 21 May 2019 13:27:00 GMT



Is a Merchant Cash Advance Right For Your Business?

At NerdWallet, we strive to help you make financial decisions ... You're a small-business owner in need of capital now, and a merchant cash advance looks like a good deal. Before you act, consider ...

Published:  Tue, 21 May 2019 17:00:00 GMT



FTC Launches Merchant Cash Advance Probe

The Federal Trade Commission has launched an investigation into the merchant cash advance industry just days after FTC Commissioner Rohit Chopra called on the watchdog to tackle unfair small business ...

Published:  Tue, 28 May 2019 05:01:00 GMT



OYO launches Cash-in-Bank initiative for asset owner-partners

With the 'Cash in Bank' (CiB) facility, asset owners across the country can benefit from quick, collateral-free business advances to upgrade or renovate their buildings, OYO said in a statement. To ...

Published:  Wed, 29 May 2019 22:08:00 GMT



Reducing The Regulatory Risk Of Merchant Cash Advances And Factoring

A growing number of courts and regulators have reached different conclusions on whether factoring and merchant cash advances constitute loans subject to state lender licensing and usury regulations, ...

Published:  Fri, 17 May 2019 13:10:00 GMT



Appeals court advances Fifth Third payday lending lawsuit

Fifth Third declined to comment on pending litigation. The class action lawsuit stems from Fifth Third's "Early Access" cash advance loan program, which the class of plaintiffs argue amounts to a ...

Published:  Thu, 30 May 2019 11:19:00 GMT



How to Use Business Credit Card Cash Advances For Expenses

Learning how to use credit cards to the best of your ability can be useful, as you can usually get some pretty neat incentives when using a business credit card correctly. For example, once you learn ...

Published:  Wed, 15 May 2019 02:28:00 GMT



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