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Helping Hand Advances vs Cash Net USA

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HELPING HAND ADVANCES

Helping Hand Advances provides convenient temporary solutions to people that run into a financial bind. To request a payday loan 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 payday loans in over 40 different states.

Once your information is input into the system, Helping Hand Advances validates your details for payday loan 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 payday loan 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 payday loan terms. The term may run between 7 and 31 days, with loan extensions available. Approved payday loans are deposited directly into your bank account overnight.

Overall, Helping Hand Advances is a good option for your next payday loan. 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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CASH NET USA

Cash Net USA started in 2004 and was later acquired by pay day loan powerhouse, Cash America. Cash Net USA provides loans in 30 States and loan types vary between payday loans and lines of credit depending on state requirements. The loan sizes typically run between $100 and $1,000 but may be larger for lines of credit.

The benefit of dealing with Cash Net USA is that applications received before until 9pm EST are funded the next business day. So for those in a serious cash crunch, Cash Net USA may help. Another benefit is that this company does not run a credit check from the three major reporting bureaus to determine eligibility. They do ask that an applicant be at least 18 years of age, have been employed for at least 1 month, be a U.S. citizen or permanent resident, and have an open checking account.

The process of applying for a payday loan from Cash Net USA is quick and easy. To start, customers must input contact details, employment information and bank account numbers. Approval occurs instantly at Cash Net USA. They anticipate that you'll pay your loan back at your next paycheck date, or longer depending on the type of loan issued.

Cash Net USA states they are a member of both the Better Business Bureau and CFSA member (a payday advance organization). However, in our research we found that they currently have an F rating with the BBB. In 2015 they also received an order from the Commissioner of Business Oversight of the State of California, forfeiting all charges due to violations with the California Financial Code.

Although Cash Net USA provides an easy way for you to apply for a payday loan, questions remain about their business practices. We hope they're able to make the necessary changes to become a more highly rated payday loan provider in the future.

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Payday Loans

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

Payday loans 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 payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of payday loans are many. Often they don't require a credit check from the major three credit bureaus. The best payday loans 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.

Drawbacks? Payday loans 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 payday loans 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, payday loans can provide a fast and easy solution. When evaluating different payday loans, 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 payday loans available today. We hope these reviews help you meet your short-term financial needs!



What to Look For in a Payday Loan

When searching for any type of loan, including payday loans, there are a number of factors to consider. Although fast cash payday loans are different in some respects, they are very much like any other loan in that convenience, cost and quick replies are essential. With that in mind, this article is designed to give you an accurate and detailed look at some of the factors to look for when choosing where to submit your application for payday loans.

  • Convenience. Can you apply online? If so, how long will the application process take? With the internet being so popular, many lenders now allow for fast and easy online applications, which also means quicker approvals. Due to the fact that payday loans focus less on credit history and more on your current ability to repay the debt, there is often a faster response, especially if your employment and income and easily verifiable.
  • Response Time. While considering payday loans, you should look at the average length of time for an approval and an estimate on how long it will be before you receive the cash advance. Payday loans are often referred to as a cash advance because, quite simply, they are a cash advance with your next paycheck being used as collateral.
  • Loan Fees. Every lender is different, but one thing remains virtually universal when it comes to payday loans. Almost every lender will impose a fee that is based on the amount of money that you borrow. In addition to the full amount of the loan being repaid, the fee must also be paid before the loan will be satisfied. It is crucial that you know exactly how much these fees are prior to applying for payday loans.
  • Loan Amount. Most payday loans are issued for an amount up to and including $1,500.00, but some may only lend up to $500.00. Available loan options, including the maximum loan amount, may differ from one lender to another. Prior to requesting payday loans, you should think about how much money you actually need and then look for a lender who can help you.
  • Reputation. One of the most important things that a company can have is its reputation, which is why it is important to research a payday lender as thoroughly as possible. It may be a good idea to research company both with the Better Business Bureau (BBB) and through reviews produced by independent, third-party reviews.

Payday loans offer quick cash for those who need it and, best of all, they are available almost immediately. These types of loans help those who may be faced with life's unexpected events, expenses or are just running short on cash and need a helping hand until the next paycheck rolls in. Whatever the reason, payday loans provide a valuable service and it's important to know what to look for and how to choose the right lender for you.

 



Payday Loans In The News

Payday loan applicants asked to hand over bank passwords, inquiry hears

Vulnerable Australians are agreeing to share their internet banking passwords so payday lenders can see their transaction history before lending them money, an inquiry has heard. The practice is placi...

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Payday loan alternative may be a better deal, but has its own risks

Payday loans target consumers with no credit or low credit scores. These high-interest loans promise fast cash until the next paycheck comes in, but oftentimes they create dangerous cycles of new loan...

Published:  Sun, 09 Dec 2018 22:38:00 GMT



KC payday loan industry alternative receives $1M grant

KANSAS CITY, Mo. (AP) - A startup that launched in Kansas City as an alternative to the payday lending industry has been awarded a $1 million grant to expand its services. The Rockefeller Foundation a...

Published:  Mon, 10 Dec 2018 08:49:00 GMT



$1.3B award upheld against racecar driver over payday loans

SAN FRANCISCO (AP) - A U.S. appeals court on Monday upheld a nearly $1.3 billion award against a pro racecar driver who was sent to prison following a conviction of cheating consumers through his payd...

Published:  Tue, 11 Dec 2018 01:21:00 GMT



Churches use political pressure, small-dollar loans to fight predatory payday lending

(RNS) - Anyra Cano Valencia was having dinner with her husband, Carlos, and their family when an urgent knock came at their door. The Valencias, pastors at Iglesia Bautista Victoria en Cristo in Fort ...

Published:  Tue, 13 Nov 2018 08:06:00 GMT




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