Cash Till Payday Loan – Reality or Myth?

What is Cash Till Payday Loans?

Cash till payday are cash advances that you get at the time of your financial needs. You have to fill out a simple form and wait for approval, which takes about 10 minutes. We provide hassle-free payday loans with no credit check. All you need is proof of income, and an active checking account or savings account, so we know where to send your money when it’s time for repayment!

Cash Till Payday

Benefits of Payday Loans

Are you one of the many people that can’t get cash till payday? If you’re not, then why should you get some money till payday? We list some reasons here:

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Standard benefits:

  • These cash advances are easy to apply for.
  • They can be approved in minutes.

Emotional benefits:

  • Pay off your bills today and get your finances back on track.
  • Get the cash you need without going through a lengthy application process with banks or credit unions.

Tips on Getting Payday Loan

If you’re 18 or older, then you can apply for Payday Loan. If you need to repay your loan within 3 months, that’s a different matter. You’ll still probably be able to, but it depends on your circumstances.

Payday Loans are a great way of getting money fast and without the worry of going into long term debt by borrowing from banks and credit unions who might not give you a loan for an unforeseen reason. They don’t disclose until after the fact. In short, Payday Loan is the solution!

Are payday loans safe?

Safety is of utmost importance when using small dollars loans. There are also some other aspects that you need to know about the lender where you’ll be applying for this loan.

  • Fees – Make sure the lender does not charge any fees, hidden or otherwise. Banks cannot charge any fees without your consent, and it’s essential that they get your approval before this happens.
  • Privacy policy – A lender should have a privacy policy in place that allows people access to their credit score at all times. Failure to do so could land them with fines from privacy agencies like the Federal Trade Commission (FTC).
  • Accounts – Check if cash till payday lender enables accounts online, mobile apps, or even telephone banking services. You can’t bank on a bank that doesn’t have services like these in place.
  • Customer service – Make sure the lender has 24/7 customer service and can attend to your concerns at any time of day or night. If you need help, you’ll require immediate assistance, and this lender must be ready for it. You can use online chat if you prefer or even go with telephone banking services if they’re available.

Get your Short Term Loan Approved Without Credit Checks

The process of applying for a cash advance loan from direct lenders can be pretty simple. You will need to follow these few simple steps before your borrow money:

  1. Fill out the application form with your personal information like your name, address, income, employment details, etc.
  2. The lender will then verify all the information you have submitted on the cash advance application form to ensure accurate and true.
  3. Once your application is approved, they will deposit your funds into your bank account – usually within 24 hours. The loan amount will depend on how much you apply for and also about how long it will take you to pay back the loan amount plus any fee’s charged by the lender.
  4. You will need to repay the loan amount plus any fee’s charged by the lender within a specified time frame.
  5. Once you have repaid your small-dollar loans, you can start looking for another payday loan that meets your financial needs if you are still in financial difficulties or stay with your current direct lender if they offer other products or services that are useful to you.

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What is APR (Annual Percentage Rate)?

The APR(Annual Percentage Rate) is the interest rate that the cash advance lender is charging, or in other words, its annual percentage rate. The APR considers the finance charge, over-limit fee, loan origination fee, late payment penalty, and any additional charges associated with the loan. The APR is calculated using a complex formula that includes different variables.

The formula for Calculating APR

The APR can be calculated using the following formula:

APR = (Annual finance charge / polynomial of n) x (365/n) where:

However, the more accurate and generally accepted way is to use a financial calculator of some online program. The APR will depend on several factors, such as the loan amount, interest rate and term of the loan. It may also include additional charges such as late payment penalties.


As many loan products are available online, one needs to select the options matching their emergency cash needs. So, what are you waiting for? Put yourself in the best position possible to borrow money by getting cash till payday.

When it comes to these small dollars short term loans, safety is of utmost importance so make sure that your lender doesn’t charge any hidden or unexpected charges and has a privacy policy in place that gives people access to their credit score at all times.

Look for cash advance lenders who have accounts online, mobile apps, or even telephone banking services available. This will help if you need assistance with accessing your account information when away from home.

Finally, please find out how long it’ll take before they deposit money into your bank account after approving your cash advance application; some may do this within 24 hours while others could take up to 2 days which means more time for you to plan your cash flow.