Fun Facts About Holiday Cash Advance Loans
• They are super-easy to apply for! You can apply, be approved, and finalize the loan, all in the time it takes to cook dinner or take the dog for a walk.
• Lenders are available 24/7. There is literally no time of the day or night that you can’t submit your application and have it processed and reviewed immediately. Whether the most convenient time for you is in the wee hours before the rest of the family gets up in the morning, during your lunch break at work, or late at night, lenders will be on hand to get you approved and complete the process of transferring the money right to you.
• They’re not just for holiday expenses! This time of year is full of commitments and costs, and everyone sometimes finds themselves in a situation where their expenses have gotten ahead of their paycheck. Holiday cash advance loans can help keep your budget on an even keel so the holiday expenses – travel, food, gifts, and celebrations – don’t drain your budget and cost you more in the form of late and overdraft fees.
• Holiday cash advance loans really can make your holiday season brighter! Depending on your pay schedule, you might find that that last paycheck you need to help with holiday costs is going to come in just a little too late – December 23rd or 30th, for example. With a holiday cash advance you can essentially spend that paycheck or some part of it now, before the holiday, when you need it most – and repay it on that just-a-little-too-late payday.
How Does a Holiday Cash Advance Work?
This type of loan uses a fast, simple payday-style process. A traditional loan often begins with your bank’s loan officer or a long application form that requests information ranging from your monthly expenses to your reason for needing the funds. A holiday cash advance uses an all-digital online process – and since the internet never closes neither does the loan application. Start at the website, at whatever day and time works for you, and follow the direction to complete the quick three-step application form. Once you click Submit, the encrypted application form will be sent to the participating lenders to determine an offer that suits your needs. That approval will be sent right to your web browser while you wait, and takes less than two minutes. You’ll receive all the information you need and the opportunity to read through it before signing the agreement form. Once you do sign, the lender will have your funds deposited to your bank account as soon as possible – generally by the end of the business day. Repayment is just as easy – part of the loan agreement explains that you don’t need to mail a check or set up electronic payment with your bank; there will be an automatic draft scheduled to collect repayment on your next payday. If you need to extend the terms just contact the lender ahead of time and they will provide the arrangements for a fee.
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