The “Payroll Advance” is also known as a ‘payday advance’, ‘paycheck advance’ and ‘cash advance’.
Payroll Advance Loans in the United States are regulated by our federal government. They are further regulated on a state by state basis and are legal in most states by licensed lenders. For the most part, maximum loan amounts, charges and terms are controlled by the laws of the state you live in. Further, while very similar, individual lenders may have their own slight variation of terms and conditions for advancing a payroll-check loan when it comes to amounts, fees, repayment terms, renewal policies and APR’s etcetera. Each direct lender makes approval decisions separately.
Your loan fees are primarily determined by the laws of the state you live in. The cost of payroll advance loans are generally calculated by charging a rate per $100 borrowed. Rates vary from state to state but generally fall between 15% and 20% per $100 borrowed. A 14 day loan of $300 borrowed at the 15% rate would cost $45 and a $300 loan borrowed at the rate of 20% would cost $60.
Minimum and Maximum Loan Terms
Most state regulations require a minimum loan term before lender can ask for repayment. Most minimum term lengths generally range from 7 to 31 days. A few states have rules that require longer minimum term lengths. Terms may range all the way up to 6 months. Typically, your loan term is based on one or more of the following: the frequency of your paycheck, individual lender policy, and the law in your state.
Maximum loan term lengths are usually governed by the rules of law in your state. The same applies to loan renewals and/or rollovers.
Cash Advance Fees & Rates by State
Lawful Advance Fees and Charges State by State
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
The Average Range
Borrow as little as $100 and up to $1000. This is the lawful range for cash advanced loan amounts covering most states; however, depending on your state of residence you may qualify for considerably more or restricted to less than $1000. Loans of $500 or less are legal in the majority of states. Many states allow higher amounts.
$1250 to $2500 is the upper range for a few states.
“The amount you qualify for is contingent on your personal information and the restrictions of the state you live in”
APPLY for Payroll Advance Online
Always FREE to Apply! No Obligation ever to accept an online payroll loan!
Find paycheck advance loans from interested licensed well-established prime online direct lenders in the U.S. who operate in strict accordance with all federal and state regulations. You begin by completing our simple form. Once submitted, PayrollAdvanceCash.com will start a 1 minute process of connecting you with an interested independent direct payroll lender.
$100 to $1000 Quick & Easy Payroll Advances Online for Cash Today! 1 Min Approval – No Credit No Fax – Bad Credit Ok
Typically, our immediate and most unexpected expenses can be met by using our regular income backed by savings.
However, when situations arise where we do not have enough savings and our income is not sufficient, then we may have to depend on the financial payroll advance lender.
Your urgent money savior might be your friends, relatives or a guaranteed payroll cash advance loan from a professional licensed lender. The efficiency of the licensed lender is evident by the speed by which they fund and deliver the money you need.
The well-established licensed lenders are very efficient, whereas the financial ability of friends or family to lend helping dollars may fluctuate with the condition of their own money supply and personal needs.
Payroll lenders can loan you money anytime. Whenever you want or need cash you can just apply without delay or the personal embarrassment that may come from begging a loan from family or friends. There is an online payroll loan method in which you can apply for an advance through the internet. This is the payroll cash advance.
The online paycheck loan method is a lending product for which lenders are available online thus making it easy and convenient for you to apply for an advance. They can lend you money with a quick easy simplified application and relaxed qualifications that speed the approval process. You can search for a lender online using search engines or you opt for a great alternative and have https://www.PayrollAdvanceCash.com introduce you to a legitimate well-established licensed lender.
Once you have decided on a lender, always review the terms and conditions carefully so that you get familiar with the loan contract and the commitment you are about to make.
Typical eligibility criteria generally are:
• You must be a USA citizen or must be a permanent resident.
• You are 18 years of age or older.
• You earn regular monthly salary or have verifiable monthly income of at least $1000 USD.
• You have your current job in USA from at least 6 to 12 months.
• You have a security number issued by USA government.
• You have a checking or savings account with direct deposit.
A licensed lender will charge fair rates as set by federal law and the additional regulations of the state in which you reside. There should not be an application fee involved in the process of applying and there is never ever any obligation for you to accept the payroll advance. If you meet the simple requirements you will be approved and the lender will fund your loan just as long as you have met all the eligibility criteria.
Once your application is submitted initial approval only takes 1 or 2 minutes. As soon as the details of the applications are verified and found to be accurate your loan can fund in about 1 hour or less. The money will be direct deposited into your bank account and when it is time to repay it will be deducted from your bank account on day of your payroll.
When life’s daily financial circumstances become just too much for you to tolerate, you may require a helping hand to survive until your next paycheck. It is times like this that a payroll advance from PayrollAdvanceCash.com can help. Payroll advances are not a new financial product. They have been tried and tested over time and can really save your bacon when used as intended. Also called payday loans or cash advances, payroll advance loans are the fastest and most reliable loan type to expand the cash in your account until your next paycheck arrives.
Payroll Advance With No Traditional Credit Check
You can rely on the friendly online lender agents of PayrollAdvanceCash.com to get your payroll advance approved today in about 2 minutes and the money can be on its way into your account in as little as 60 minutes. Picture this! You could use the money to save late fees, bounced check fees, repair the car or pay the rent.
Low Fee Payroll Advances Online
Our fees are very reasonable for this type of short-term loan are low and competitive per hundred borrowed. Payroll advance rates and terms vary according to the state in which you live in accordance with local state and federal laws. You will not encounter hidden fees or charges after you are approved for a low cost loan from PayrollAdvanceCash.com online. When the next payroll rolls-around, the loan repayment amount will automatically be debited from your bank account to repay the advance.
If you live in one of the following states we may be able to help provide fast financial relief: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.
Note: Payroll advances are currently available in most states, but not all.
For those that live in states that do not allow advances, we may be able to provide you an alternative loan product – so we highly recommend you proceed with your application. You see, PayrollAdvanceCash.com and our well-established group of specialized agent direct lenders offer a huge selection of loan products; we may just have a type of loan that will work for you… perhaps you might qualify for an installment loan or one of our other loan products.
Here at PayrollAdvanceCash.com we offer a number of the best loan rates you will ever find when surfing online. We are not shy or ashamed of our rates and do not hide any terms from you. So we challenge you to compare our low cost rates with other direct lenders here. We comply with the federal Truth In Lending Act (TILA) and disclose the payroll advance interest rate when you take our your loan. Unless you “roll over” your payroll advance until the next payday, there are no other fees. If you roll-over the loan you will be required to pay the fee again for the next payroll period.
Here at PayrollAdvanceCash.com we do not do credit checks before lending to cash strapped individuals. Difficult financial times can and do fall upon all of us at some point or another and Payroll Advance Cash is here to help you handle the stress and associated hassles that come with a sudden financial hardship. All that we require is a minimal few personal details for approval of your payroll advance. These include a few pieces of information like… your banking account info, home and work phone numbers. We don’t run traditional credit checks or contact your employer or embarrass you by contacting references.
Instant 2 Minute Approvals
Get the process started now! It only take several minutes to set up a payroll advance right now from the security of your home or workplace. You can even use your smartphone. PayrollAdvanceCash.com offers no faxing required loans so the full application can be submitted conveniently through a tablet or your smartphone as well as a computer. Don’t spend your time driving around town to get the cash you need… just complete the simple online payroll advance application and we will get you pre-approved in about 2 minutes or less while you wait. Final approval is obtained upon review by one of our friendly agents and your formal acceptance of the loan. Our representatives will give you the courtesy you deserve and provide excellent assistance to equal. You can get quick convenient payroll advance loans that are hassle free and without waiting for long times in line at the store.
If you have questions and need answers concerning payroll advances, we suggest you check out the FAQs. Our experienced loan officers are also standing by ready to provide courteous service. We want you to be informed about payroll loans; what you should expect, what our loan policies are and how PayrollAdvanceCash can assist you in the step leading to receiving payroll advance cash.
Have you ever tried talking to your supervisor, boss or your company’s payroll department about spotting you an advance on your paycheck to remedy an urgent expected expense that you were unable to cover? I’ll bet that answer of ‘no cash for you until your next payday’ still echoes in your head. Getting a payroll advance from your place of employment is nearly impossible for most individuals, so when you need money fast to handle an unexpected financial emergency, come to someone you can count on to say ‘yes’ bad credit is okay to your request for a quick payroll advance: PayrollAdvanceCash!
Competitive Payroll Advance Fees Online
Here at PayrollAdvanceCash.com our specialty is approving payroll advances; and we make it fast and easy to apply online. We can approve borrowers even if you have bad credit.
With our state of the art application processing system we can approve your application in about 2 minutes and fund your loan as quickly as 60 minutes. Depending on a number of specific details you can receive your extra payday in your bank account in close to record time – the very same day or overnight! Use the cash for whatever you wish. Pay some bills, take care of an urgent expense or take advantage of a special sale event – it’s up to you how you spend your advance. With a payroll advance from PayrollAdvanceCash.com, you can make these and almost anything happen by completing our simple online application in just a few minutes.
Easy Convenient & Private Payroll Advances
Getting an advance on your next paycheck just could not be easier or more convenient. You can get payroll advance from the comfort of your home or while on the go using a smart phone. An advance from PayrollAdvanceCash online is the ultimate in convenience and privacy. No driving around town to find a store, no standing in line and no embarrassing encounters with someone you know.
Asking The Boss For An Advance
One of the big reasons employers have a problem with giving out payroll advances to their employees is that it means extra cash is flowing out and they may already be running short themselves. Like you they may not be able to afford it at the time because they are stretching to meet payroll. Other reasons include the potential for triggering an adversarial relationship if you are unable to repay on time.
All you need to do to save time, stress and hassle is turn to PayrollAdvanceCash.com for a fast online advance on your next payday is simply complete our short application for a payroll advance loan. When you apply online with PayrollAdvanceCash you are well on your way to getting money in your account as soon as the same or next day. If you are having financial difficulty and need money fast to satisfy an expense, turn to Payroll Advance Cash.