Instant Cash Advance

Loan rejections can understandably leave you in reeling emotions and chaotic thoughts. But you shouldn’t give up just yet. Apply for a loan with iPaydayLoans if you desperately need a cash advance. All you need is a lender with a high approval rate and we can get you that!

Want to borrow more than $5,000? Click here!

What Is Instant Cash Advance?

Instant cash advances are short-term loans that are processed quickly. They are best suited for emergencies and are thus recommended for settling bills or catering to needs that can’t wait till your next payday.

Like other short-term loans, they have high-interest rates. That’s not to mean that they are not affordable though. You just need to do your due diligence in finding a lender whose loan APR is comparatively lower or about the same as the market average.

If this sounds like too much trouble, approach a loan broker. iPaydayLoans can connect you with lenders with reasonable interest rates and loan conditions.

What Are the Benefits of Instant Cash Advance?

Straightforward application process

The extensive paperwork and rigor associated with loans from traditional lending institutions can make them a less attractive option than cash advances and online loans. Cash advances are easy to apply and can be done from the comfort of your home. All you have to do is fill out a short application form online. This takes only a few minutes to complete.

Near-instant approval

One of the greatest perks of instant cash advances is how quickly approval decisions are made. Traditional loans can take up to three days to get a decision. On top of that, you can get rejected. Why wait so long only to get a rejection later, when you can apply for a cash advance and get a decision in less than ten minutes.

Can be gotten with bad credit

Again, instant cash advances have a bad credit consideration advantage over traditional loans. Your credit score doesn’t need to be perfect or good for you to get an instant cash advance. Once you have a regular source of income, have been at your job for a considerable period, and a balanced debt-to-income ratio, you are good to go.

Fast deposits

Instant cash advances are usually processed quickly. Some lenders in fact facilitate these deposits the same day if you apply very early in the day. Otherwise, you can get it as quickly as the next business day. Since these advances are taken out for emergencies, cash advance facilitates treating them with a sense of urgency.

How Can I Get Instant Cash Advance Online?

Instant cash advances do not have a tedious application process. Everything is done online and can be completed in a few minutes. It’s even easier and more effective through a loan broker service like iPaydayLoans. With one application, you can reach out to multiple lenders at once.

Here’s what iPaydayLoans application process entails:

Get started with the application process by filling out a simple, short online form. On the form, you will be required to fill in some personal and biodata information like your name, date of birth, age and contact address.

You may also need to fill in some basic financial information like your credit score and more. This should take less than five minutes. The requested data will help us connect you with a best-fit lender.

Submit the form online and we will forward your application to lenders within our network who have loan packages suited for your needs. They then run affordability and soft credit checks on your profile, and make an approval decision quickly. This should take five to seven minutes tops. If successful, you will be sent a free, no-obligation offer.

Take some time out to read through the quote and sign it if the conditions are what you can commit to. The lender begins to process your funding as soon as you submit the contract. Expect to get the approved loan amount in your supplied account information as soon as the next business day.

default imgWhy Us
How much can I borrow?$50-$35,000No hidden fees or charges
I have bad credit. Can I apply?YesBad credit is considered
Over how long can I spread the repayments?1-36 monthsFast decisions
Are credit checks involved?YesSoft credit checks only
Chances of getting approvalsGood256-bit encryption protocol
How to apply?Apply onlineEasy application
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What to Look for When Applying for a Cash Advance?

Speed of deposits

Instant deposits are one of the many conveniences online loan borrowers enjoy. But that’s the case only if they work with lenders that facilitate this. Some lenders take you through lengthy application processes, they can’t make a deposit in less than 72 hours. If you need a quick cash advance, iPaydayLoans is there to help. We will connect you with lenders who can get you a loan deposit as soon as the following business day.

Hidden fees and low interest rates

High annual percentage rates increase the total cost of the loan and invariably affect your ability to repay it. To keep the cost of the loan as low as possible, it’s important to find a provider that charges a reasonable APR compared to the market average. Also, ask the lender if there are any fees - aside from the interest rate - you should know about beforehand.

Least negative impact on credit score

Cash advance paid well ahead of or on time doesn’t hurt your credit score. If anything, they boost it. If reported to the major credit bureaus, an early payment can cause a little jump in your credit score. What’s probably more important is your credit score not getting lower than what it is now. To ensure this, deal only with lenders that run soft credit checks. Hard credit inquiries can cause a dip in your credit ratings.

Due diligence in searching out a lender

Loans can make or mar you. While you get to solve your emergency, they may take you down into a vicious cycle of debt if you continuously miss payment deadlines. Therefore, you need to take time out to sift through the lender services you find online, and close loan deals only with lenders with more relaxed loan conditions, longer loan terms and lower APRs.

Can I Obtain Cash Advance Online Same Day?

Yes, you can. Our partner lenders are particular about getting people financial support exactly when they need it. Therefore, they do everything within their means to facilitate loan deposits as quickly as they can.

Your chances of getting a loan on the same day are higher if you apply for one in the wee hours of the morning or only a few hours after the lender’s opening hours. This way, the lender can quickly run necessary checks, approve the loan and process the deposit on time. If your application comes in a little later, not to worry. A deposit can be processed as quickly as the following business day.

Get Cash When You Need It Most

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How Much Can I Get With an Instant Cash Advance?

This depends on a lot of factors including your income, employment history, how long you’ve been at your current job, spending history and debt-to-income ratio. But ultimately, the decision rests on the shoulder of the lenders. The lender conducts affordability checks on your profile to see if you can afford some credit in the first place. If yes, they determine how much based on their assessment of your disposable income.

You can increase your credit ceiling by securing the loan with collateral, or if you have a guarantor or co-signer sign against your name.

Are There Alternatives To Quick Cash Advance?

Same Day Loans

Same day loans are short-term loans taken out by people who need emergency cash injections. The cost of the credit is usually higher than mainstream loan options and the total money borrowed is usually smaller than secured and long-term loans. Consider a same day loan if you need a quick financial fix, or are in a cash emergency.

Installment Loans

An installment loan is a good credit option if you need a loan to make a large purchase or want to take out more than one paycheck can cover. The total cost of the loan is spread evenly over the loan term, so you make fixed monthly payments till the debt is settled. Spreading the loan’s cost over a longer period makes repayment easier and less financial straining than cash advances. The loan term typically ranges from 3 to 36 months.

Payday Loans

Payday loans are also a good alternative to consider if you need to cover short-term emergency costs between paydays. They usually come with extremely high interest and so, it's best to keep in mind that you should only take out what you can afford to pay back with your next paychecks, or in two paydays to come.

Title Loans

If you are the outright owner of a vehicle, or have some reasonable equity to it, and so, have its title, you can tender it as collateral for a loan. The lender holds on to the car title till you pay back the money owed. Like other forms of secured loans, title loans attract lower interest rates than payday loans. The borrower can also be approved for bigger loan amounts.

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Is there a requirement for applying for an instant cash advance?

To qualify for a cash advance from an online lender, you must be at least 18 years old, have a verifiable source of income, be a US citizen, have a verifiable phone number and email address, and have a valid, personal checking account for receiving deposits.

Is it possible to get a quick cash advance with bad credit?

Yes, you can. Instant cash advance lenders have a way of evaluating lending risks other than credit history. Lenders pay less attention to the borrower’s credit history and more to their borrowing history, income, and spending history. With this, they can tell if the borrower can afford more debt, or has enough disposable income to pay off the debt, and within schedule.

Is there a fee for using your service?

No, you won’t need to. Unlike many other loan broker services or direct lenders, we do not charge a dime for connecting you to lenders or facilitating your application. There are no hidden fees either. We have a mutual understanding with the lenders, and get commissions from them instead.

Can I get an instant cash advance online with no credit check?

Yes, you can. But not literally. Not literally because no credit checks aren’t exactly no credit checks. Since borrowers are wary of hard credit inquiries and how much hurt they can cause to their credit scores, we connect you to only lenders who run soft credit checks. These checks don’t affect your credit ratings.

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iPaydayLoans, a Life Saver When You Need Instant Cash

Find the best instant cash advances for you. You don’t have to break a sweat to get a loan. Our application process is straightforward and quick to get through. Apply right away to get some quick cash.

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iPaydayLoans is a company committed to connecting borrowers to hundreds of reputable online lenders to apply and get small-dollar payday loans quickly, easily, and securely, helping cope with life emergencies like paying medical bills, home, or car repairs, and so on.

Customer Note: A payday loan is traditionally used to help people borrow a small sum of money until the next upcoming payday. It's a short-term solution to cover unexpected expenses when people have no savings or deep pockets. Those who find themselves in a bind with their budget and want to refill it with credits should seek the advice of a professional financial assistant. A borrower also has to peruse local regulations related to a payday loan.

Availability: The service of this platform may not be accessible to people based in restricted states. Please check the local regulations to find out its availability in the area. Rules of this website are subject to change without notifications.

NOT A LENDER Disclosure: iPaydayLoans is not a lender but a broker and does not charge you any fees for our broker services. The lenders or other broker services we introduce to our customers through this website may pay us commissions if customers enter into a credit agreement with them.

Disclaimer: iPaydayLoans is not a lender, does not take applications or make loans or credit decisions. We are not an agent, representative or broker of any lender. We provide a service to connect you to a lender from our network. We do not control and are not responsible for any lender's actions or decisions.