Cash Til Payday

Cash Til Payday Loans are great for people who find themselves a little short on cash with a couple extra bills to pay. These loans are available through Dollar Financial Group, Inc., and their subsidiaries. You can apply for a Cash Til Payday loan in one of the Money Mart or Loan Mart stores or online at www.loanmartusa.com. Depending on your income, you can receive anywhere from $20 to $1000.

All you need to apply for one of the Cash Til Payday loans is a steady job, a checking account with direct deposit, a valid cell phone number, e-mail address and identification (driver's license, etc.), and you must reside in a state where Cash Til Payday loans are offered. Cash Til Payday loans are convenient because you can apply online twenty-four hours a day. You will have an immediate decision on your loan, and you can decide how much you want to borrow. If you are approved, the money will be deposited into your checking account on the following business day.

If you are applying for a Cash Til Payday loan in California, the loans are made through Money Mart Express, Inc., a company that is licensed by the Department of Corporations. You can view the license online for confirmation of this. Loans will be between the amounts of $20 and $255 and will be subject to finance charges in the amount of $17.65 for every $100 that you borrow. In addition, loans must be fully repaid by the due date, which will vary from seven to twenty-four days, depending on your next payday. If you are paid monthly, the loan must be repaid in fourteen days. If for any reason an ACH debit or a check is rejected, the borrower will be charged $15. Even if a borrower meets all the requirements for a Cash Til Payday loan, that does not mean he or she is guaranteed to receive a loan.

Cash Til Payday loans in Arizona work similar to the way they do in California. Loans in Arizona are made possible through Moneymart, Inc., and range from $50 to $500. All loans have a finance charge of $17.50 per $100 that is borrowed. These loans also must be paid by the due date and cannot be refinanced more then three times in a row. As with the loans in California, these also must be repaid on the borrower's following payday, anywhere from seven to twenty-four days, and if the borrower is paid on a monthly basis, the term of the loan will be fourteen days. If a check is returned or the ACH debit does not clear, borrowers will be subject to a $15 payment. Completing the necessary requirements does not guarantee a loan.

To contact LoanMart USA, you can call 1-866-354-2274 or e-mail customerservice@loanmartusa.com. If you have any questions, read their Frequently Asked Questions section on their website. However, the questions only pertain to obtaining a loan through www.loanmartusa.com.

There is no limit to how many loans you can obtain, but there may be a limit on how long a borrower must wait before applying for their next loan. This will depend on the state of residence. If you find yourself applying for too many loans, look into credit counseling, as Cash Til Payday loans are not intended as a long-term solution.

If you have poor credit, that will not affect the approval of a loan. A credit report may be obtained only to view payment histories for other products similar to a loan. Furthermore, because of state regulations and guidelines, only one loan may be taken out at a time; once the loan is paid, three days must pass while your check or ACH debit clears, and then you can apply for another loan.

If you decide to apply for a Cash Til Payday loan online, all you have to do is complete the online application, which includes contact, bank account, and income information. Then, confirm that all the information is correct and accept the online disclosures after reviewing them. Third, accept the terms of the loan by entering your electronic signature. If you are a new customer, you will need to fax or e-mail documents such as a pay stub, bank statement, and a copy of your ID (driver's license, etc.). Once these documents are reviewed, the application for the loan is reviewed, and the money will be deposited into your bank account the following business day if the application is approved. On the due date, the money will be withdrawn directly from your account.