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      August 8, 2020

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Payday Loan Today vs Helping Hand Advances

Best Cash Advance Companies

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

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.

Continue reading below reviews

Best Reviews

2020

Cash Advance Reviews

3 stars
Payday Loan Today

PAYDAY LOAN TODAY

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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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3 stars
Helping Hand Advances

HELPING HAND ADVANCES

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Loan:

$100 - $1,000 for first time customers

Cost:

Varies based on your state and the length of the loan

Helping Hand Advances provides convenient temporary solutions to people that run into a financial bind. To request a cash advance of up to $1,000 you simply apply online using their customer friendly website and answer a series of questions. Helping Hand Advances is available to assist customers with cash advances in over 40 different states.

Once your information is input into the system, Helping Hand Advances validates your details for cash advance approval. No additional information needs to be faxed in the majority of cases, and Helping Hand Advances does not place a credit or teletrack check. Helping Hand Advances states that your loan will be approved within minutes. You simply wait for the finalization to determine if your cash advance request is accepted - no need to talk to a representative on the phone. Once the approval comes through you'll learn the details of the cash advance terms. The term may run between 7 and 31 days, with loan extensions available. Approved cash advances are deposited directly into your bank account overnight.

Overall, Helping Hand Advances is a good option for your next cash advance. With a no hassle loan application process, and a flexible payment period, Helping Hand Advances will meet the needs of many individuals looking for short term cash assistance.

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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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