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      November 22, 2019

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Cash Advance vs Payday Loan Today

Best Cash Advance Companies

To help you find the Best Cash Advances, TopConsumerReviews.com provides you with an in-depth comparison of Cash Advance and Payday Loan Today.

To see ALL of our reviews for the Best Cash Advances, please Click Here

Cash advances provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of cash advances are many. Often they don't require a credit check from the major three credit bureaus. The best cash advances offer amounts that can range from a few hundred dollars to $1,000. And you receive your loan very quickly; sometimes as soon as tomorrow.

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Best Reviews

2019

Cash Advance Reviews

4.5 stars
Cash Advance

CASH ADVANCE Visit Site

Loan:

$100 - $1,000 for first time customers

Cost:

Varies based on your state and the length of the loan

Cash Advance has a very easy payday loan request process. You fill out the simple online form, and within seconds you can be approved and waiting for your cash to arrive. And with over 400 lenders in their cash advance network, many companies will review your information, meaning you have a greater chance of being approved than if you were to visit one lender directly.

The cash advance request process is both quick and entirely online. Cash Advance doesn't require you to fax or send any documentation in with your request form. All the information they need is what you provide on their website.

Cash Advance supports cash advances up to $1,000. Regardless of whether you've had recent problems meeting your bills, Cash Advance can still help you get the cash you need - no questions asked. This also eliminates any negative impact that can occur with checks of your credit history.

Once approved, your lender conveniently delivers your cash into your checking or savings account by direct deposit. This means that they will automatically send your money into your account, usually within one business day of your approval.

Another feature we really liked about Cash Advance is all the helpful financial information they provide on their website. Under the Your Finances section, you can find guides on a variety of money management, life planning, smart spending, and family finances. They also offer an account center for their customers, which gives you the ability to easily re-request a loan, check the status of an existing request, and more.

Cash Advance boasts an easy request process, with no faxing and no paperwork hassles. Electronic delivery of your money is usually within 1 business day and is not dependent on your credit history whatsoever. Plus, Cash Advance has been in business for over 15 years. If you need a cash advance fast with low fees and no stress, Cash Advance is an excellent choice.

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3 stars
Payday Loan Today

PAYDAY LOAN TODAY Visit Site

Loan:

$500

Cost:

$17.50 per $100 loaned

Payday Loan Today strives to provide customers with the fastest online cash advance service on the web, turning around applications in as little as 24 to 48 hours. Their online application is a simple one-page form with a minimum amount of input from the customer. Once the online application is submitted, it's processed and potentially pre-approved within minutes. If a cash advance request is submitted by 3pm Pacific / 6pm Eastern it is typically processed the same day and, once approved, funds will post to the account the next business day.

Payday Loan Today focuses on loans of $500, which may be discouraging for anyone seeking a larger cash advance. In order to qualify for a $500 loan a customer must show the following:

  • A monthly net income of at least $1,000
  • No more than two payday loans currently out with other lenders
  • No delinquent payday loans with other lenders
  • Must be actively employed
  • Must have payroll direct deposit going to your checking account (no savings accounts or pre-paid debit cards)

This is a more strict qualification list than some of the other cash advance services we've reviewed. While this will undoubtedly disqualify some people, it indicates that Payday Loan Today has a responsible lending policy.

Another feature we liked about Payday Loan Today is that they are a direct lender, which means they don't send loans off to some other lender once approved. Customers deal directly with this company and can utilize their live customer service Monday through Thursday, 8:30am - 4pm Pacific Time (11:30am 7pm Eastern Time), and Fridays 10am - 3:30pm Pacific Time (1pm 3:30pm Eastern Time). The toll free number is clearly displayed on the main page of the Payday Loan Today website.

The online application itself seems a little clunky. There is a notice on the application that says that it doesn't support all mobile devices, and some of the text is spaced awkwardly. However it was simple enough to complete the application once getting past the odd appearance.

People who are in the market for a cash advance should find Payday Loan Today an acceptable provider.

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Continued from above

Drawbacks? Cash advances typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best cash advances are meant to address quick cash needs, and should not be used as a long-term solution.

Still, in order to meet short-term obligations, cash advances can provide a fast and easy solution. When evaluating different cash advances, there are certain factors you want to consider. Some of these include:

  • Loan Amount.  How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees.  Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience.  Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

TopConsumerReviews.com has reviewed and ranked the best cash advances available today. We hope these reviews help you meet your short-term financial needs!

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