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5. What are the alternatives to cash loans?

You need to consider the following alternatives before you apply for a payday loan:

  1. If you are finding it hard to pay your bills, contact your creditors as soon as possible to see if they are willing to give you more time.
  2. Consider other sources of funds, like your family members and friends
  3. Consider selling or pawning some of your assets to raise money
  4. Find out if you can get a loan with a lower interest rate from your credit union or bank
  5. Shop around for loans with competitive interest rates. Compare the APRs and other charges before you decide
  6. Contact your bank and find out if you have or can get overdraft protection on your checking account.
  7. Create a realistic monthly budget that includes your daily and monthly expenses. Avoid unnecessary purchases.

Get in touch with your local consumer credit counseling service to get help in making a budget or to negotiate a debt repayment plan with your creditors.

What does John Oliver Think About It?

You ask we answer


How can I take out a cash advance loan?

All you need to do is to fill out the online application form on our website and submit it. We will try to connect you to a suitable lender within minutes.

If we find a suitable lender, you may be asked to sign electronically to accept the loan terms. You will not be under any obligation to accept the loan offer. There is no need to sign if you are not satisfied with the terms. You can apply again if you want to look for another lender.

The lender will usually deposit the loan amount electronically into your bank account on the following business day. In most cases you can choose a payment option that suits you. Your lender will process all payments from your banking account via electronic transfer.

How soon can I get the money?

Lenders who offer personal loans usually process applications immediately, so you could have the funds in your account on the next business day after you are approved. If you submit your application on a holiday or weekend, the lender will transfer the funds on the following business day. 

What do I need to get a payday cash loan?

You need to be at least 18 years old, have a steady source of income and have an active bank account. To qualify for a loan, you will have to fulfill the approval criteria of the lending company with which you are matched.

If an assigned lending company accepts your loan application, it may get in touch with you directly to request more information which may be needed for approval. Please fill out facts that can be verified in our application form.

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