What is a Payday Line of Credit?

You think you’re looking for a personal loan – but this is even better. A payday line of credit gives you preapproved access to a specific amount of cash, from which you can draw when you need it without the hassle of applying for credit every time your budget falls a little short. It works like this – let’s say your budget is short just a couple hundred dollars this month. Simply request the funds and they’ll be in your bank account as soon as the next day.

Application and Approval are Fast and Easy

A payday line of credit application is as easy as 1-2-3! All you need is your basic information – name, address, phone number, driver’s license number, things like that – and info about your employment and income. Finally, providing your bank account number allows the funds to be deposited directly into your bank account when you need them – no check to wait for or deposit. Best of all you can apply for a payday line of credit at literally any time of the day or night – lenders are available 24/7 to approve and process the requests.

24/7? How Does that Work?

The internet never closes, and neither does the payday line of credit loan application! Thankfully the lenders don’t either – someone is always available from the various lending partners to make sure that your application can be approved as quickly as possible. In just about 90 seconds from when you click “submit” you’ll receive an offer right in your browser – which you can sign electronically, so there’s nothing to print, fax, upload or mail.

Repayment is Just as Easy as Applying

Once you withdraw funds from a payday line of credit, naturally it needs to be repaid – it’s a loan after all. So here’s how easy that is. The borrowed amount will be paid via direct draft from the same bank account it was deposited to, on your next payday. Need more time? Just contact the lender and arrange an extension. Need more cash the following week – or the week before? Just request additional funds – they’ve already been approved!

Don’t Make These Mistakes on Your Application!

Want quick, easy approval? Here are a few things you don’t want to do when you apply!

• Make sure you qualify for a payday line of credit! The requirements are simple but non-negotiable: to be approved a person needs to be at least 18 and a US citizen, have a job earning at least $1000 per month, and a bank account that can send and receive electronic payments.

• Is your driver’s license valid? An expired or otherwise invalid license will cause an application to be declined.

• Double check your bank account number! An incorrect number can derail an application’s funding.

• Are your pay dates, employer’s name and phone number, and other data free of errors? Proofread!

What is a Payday Line of Credit?By Eric Knapp - 12/26/16

How to Get an Online Holiday Cash Advance in Just Minutes

This time of year can get hectic for everyone, so if you find yourself looking at the calendar wondering how it got to be mere weeks from Christmas and you haven’t started shopping yet, you’re definitely not alone! It happens to more people than you would think. And if the reason you haven’t started shopping is because you haven’t saved up the money yet, well, you’re not alone in that either. That’s where an online holiday cash advance can come to your rescue. The fact that the entire process is conducted online is a big part of what makes it fast – really fast – so you can head to the mall as soon as the next business day. Just start with the link to the website, fill out the brief application form, and once you click “Submit” your info will be sent to our dedicated network of lenders who will match you up with the best loan product to meet your needs and your budget. Someone is always on duty to evaluate your request, so unlike a traditional loan there’s never any waiting while that one person you need is out of the office or busy with other clients.

How an Online Holiday Cash Advance is Unlike Traditional Personal Loans

Speed of approval is one of the big differences between an online holiday cash advance and traditional loans, but it’s not the only one. Another is that it doesn’t matter whether you have good credit, bad credit, or no credit – because the lenders will most likely not even run a credit check at all. That’s because they understand that it takes an exceptionally long time to rebuild credit, so a minor error in judgment or going through a difficult period in your financial life can quite possibly keep you from obtaining traditional credit for many years, long after you’ve straightened things out, gotten your bills current, and shown yourself to be a model citizen. They want you to have the same chance as those who didn’t go through what you did, so they have created their own approval criteria system based on factors they consider to be important right now. In addition, there will be no request for credit references, collateral, or a listing of personal monthly expenses.

How Safe is an Online Holiday Cash Advance?

It’s natural to be concerned about sending our personal information out onto the internet – we’ve been warned over and over again how dangerous it is to do so. And there are frequent reports of personal information and passwords being hacked from large popular web portals – so is it safe to apply for a holiday cash advance online? Let’s look at it another way – how do you check your bank balance these days? Do you go to an ATM, or call the bank, or go by your checkbook register and double check that against your bank statement that comes in the mail every month? Even the most cautious among us have become accustomed to using online banking – and most of us also shop and even pay our bills online. This is no different, and uses the same type of encryption technology to keep your data safe as those other sites do. So don’t delay! Apply for an online Holiday Cash Advance today!

How to Get an Online Holiday Cash Advance in Just MinutesBy Eric Knapp - 12/19/16

The Best Online Christmas Cash Advance

Everyone needs extra cash around the holidays, and a lot of us aren’t so great at saving up during the year. Ideally we’d set up a special savings account and set aside a little bit from each paycheck, but the reality is that even if we do manage to save money during the year it’s not always still there at holiday time. Every season of the year has its own extra expenses – the start of school, summer vacations, new clothes – so if you’re looking at Christmastime and wondering where the money for gifts and celebrations is going to come from you are definitely not alone! What you need now is NationalCashCredit.com, offering the best online Christmas cash advance loan available – one that’s easy to apply for and provides fast approvals, cash in hand as soon as the next business day and clear affordable repayment terms.

Make the Holidays Brighter with Christmas Cash Advance Loans

There are dozens of reasons for needing extra money around this time of year – some are for extra expenses such as gifts and travel, while others are more typical seasonal changes in cash flow. Depending on your job and where you live, this is a very slow time of year in some types of business and hourly employees’ hours are often scaled way back. Meanwhile, it’s time to winterize homes and cars, buy new cold-weather clothing, coats, and boots, and so on. If all your extra cash has gone into necessities, what’s left for making sure that holiday celebrations go off without a hitch? Especially if you have kids living at home, Christmas is something that can be economized but never ignored. Christmas cash advance loans let you borrow against your next paycheck or two in order to make sure that you have the cash you need for family visits, presents and other holiday-related expenses.

Christmas Cash Advance Loans Can Save You Money This Year

Short-term loans have reputation for being pricey, but it’s all about the math and working out your alternatives. Clearly if you have savings in the bank it makes more sense to use that cash rather than taking out a loan, but what about compared to using credit cards? What if you delay some bills and use that money and pay the utilities or other bills late just this one time? Or just try to budget very carefully and use the funds you have without overdrawing your bank account and incurring overdraft fees? Take a look at how much you’ll really need – what will you realistically spend – and first look at what that would cost you to borrow that amount in an easy Christmas cash advance loan. Then look at your budget – can you cut that much? How much will the late fees be if you choose to forego bills in favor of Christmas? And it will probably take only one or two overdraft fees to exceed what a loan would cost. Even credit card use costs more than it looks like it will, because it’s so easy to make minimum payments, or even just a little more, and end up paying interest for many months or even years, instead of the single month of interest that a Christmas cash advance loan would cost! Take advantage of this opportunity and apply today!

The Best Online Christmas Cash Advance By Heather Wilson - 12/12/16

Is it Time for Income Tax Loans in Washington? Voters to Decide on Income Tax

There are a few states, where the lucky residents pay no income taxes. These include Alaska, Florida, Nevada, South Dakota, Texas, Wyoming, and Washington. That may change for some residents in Washington, though, and that means more people could be in a position to take advantage of income tax loans.

Washington Residents Vote on Income Tax to Fund Education

The vote in Washington would add a 1.5 percent household income tax for residents of the state capital of Olympia earning a certain minimum income. The move is set to go to the vote and the revenue if it passes would be put to use for public college tuition for graduates of the city’s public high schools. The residents of the state have already rejected statewide income taxes multiple times. How this vote will go remains to be seen, but it could mean that more residents could use income tax loans.

What Are Income Tax Loans?

Our lenders offer a variety of personal loans, and that includes income tax loans. These loans are always available, because tax payers sometimes plan ahead and file early or they get extensions and file late. The loans are actually based on income, paycheck, job history, and a few other factors, but knowing that a tax refund will eventually be on the way helps many borrowers feel more comfortable about borrowing. You can use your tax refund check to repay the loan and totally erase the debt.

How to Get Income Tax Loans

Applying for and getting approved for income tax loans, whether you live in Olympia, Washington or anywhere else, is really easy. You can apply at any time, and from nearly anywhere. All you need is your smartphone. Use our convenient mobile app and you can apply in minutes, even when you’re riding the bus to work. The next steps are all up to your lender. As soon as we get the information from your application, we match you with a lender and that professional gets to work approving your loan and transferring the cash to your bank account.

Most borrowers end up getting the cash by the next morning, so when you apply for income tax loans, you get the money you need sooner than you would with any other kind of loan. Washington residents may just get a new and easy way to borrow money, a possible upside to having a new income tax on the books.

Is it Time for Income Tax Loans in Washington? Voters to Decide on Income TaxBy Heather Wilson - 12/5/16