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      June 25, 2019

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My Payday Loan Review

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To help you find the Best Cash Advances, TopConsumerReviews.com provides you with an in-depth My Payday Loan Review.

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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

2 stars
My Payday Loan

MY PAYDAY LOAN Visit Site

Loan:

$200 - $600 for first time customers

Up to $1,000 for returning customers

Cost:

Varies based on your state and the length of the loan

While at first glance the website at My Payday Loan may not look as professional as some other cash advance lenders we've reviewed, the fact is that they offer a reliable cash advance application process and fast delivery of your approved funds - as long as you apply during their normal business hours.

It takes no time at all to complete the online cash advance application at My Payday Loan. If you complete the application within their business hours (9am - 6pm est M-F), you can be approved within minutes. However, if you complete your application outside of these hours, you may not hear back on your status until the following day.

If your cash advance application is approved by 5pm est, you will receive your funds electronically deposited into your checking account the following business day. Of course, this means that if you complete your loan application outside of their business hours, you may not receive your funds until 48 hours after you complete your application. This can result in a frustrating delay if you need access to your funds more quickly than that.

As part of the cash advance application process, My Payday Loan requests you to submit references and their phone numbers. They state that they verify all references before approving your loan, however they do not disclose the name of their company or the nature of your loan. It's important, though, to provide valid phone numbers with your references.

We wish My Payday Loan was more flexible in order to accommodate customers who apply for a cash advance outside of normal business hours. Their insistence on contacting references also may also give some people pause - however they do keep your personal information safe and confidential.

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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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