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  • Payday Advance Arkansas - Fast Loans in AR
    are prohibited from offering payday advance loans those doing business over the Internet are allowed However such companies must adhere to certain Arkansas guidelines governing short term payday loans Internet payday loan amounts are limited to 400 and loan terms must fall within six days to 31 days The maximum amount of interest charged per month is limited to ten percent of the amount plus up to 15 in associated fees Rollovers or loan extensions are prohibited Collection fees on overdue payday loans are limited to non sufficient funds NSF fees reasonable attorney fees and court costs There are no rollovers extensions allowed under current Arkansas payday loan law Other Fast Cash Options Requiring cash quickly before payday is a common occurrence for those living throughout the U S but such financial needs are particularly necessary for Arkansas residents who are some of the most cash strapped in the nation Therefore obtaining cash quickly in order to pay for unforeseen expenses is a real need for many of those living in the state There are other alternatives to Arkansas payday advances You might seek consumer loans from a bank or credit union seek advance pay from your employer turn to emergency assistance programs or approach family or friends for the needed cash Military personnel might be able to acquire military loans at good interest rates if qualified Determine Your Need and Research Your Options Rapid cash loans are often a real necessity of life However they should only be used as short term solutions as they can further worsen your financial situation Therefore before applying for a short term loan of any kind it is best to determine your actual monetary need and then conduct research You should avoid requesting more money than is required since short term cash loans

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Arkansas (2016-02-17)
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  • Payday Advance California - Fast Loans in CA
    a special event Regardless of why you need extra cash California payday loans provide fast solutions to such problems without having to get bogged down with long term loans These short term solutions require little information no credit checks and are usually approved within 24 hours What s more since payday loans are short term they are repaid within 31 days generally upon your next scheduled payday The Process for Acquiring a California Payday Loan Short term cash advance companies are legal within the state of California as long as they are licensed by the state Many online cash lending companies also provide a convenient source for obtaining quick cash from the comfort of your home Payday advance California loans are limited to 300 per transaction When you determine the amount of cash required up to the 300 limit and choose a lender you will follow a simple application process This process includes filling out a short application form providing proof of employment and a form of personal identification and supplying either a post dated check or savings or checking account information or in some cases both Your application will then go through the approval process which generally takes less than 24 hours Once approved your requested amount is deposited into your provided account Upon an agreed date you return to the lender s office to make the loan payment plus any applicable interest and fees If you cannot or do not arrive to make payment the lender to retrieve payment cashes your post dated check Guidelines surrounding California Payday Loans In the state of California you can only receive payday loans of up to 300 from a licensed lender or an online lender who must adhere to California laws regarding cash advances You can only have one outstanding payday

    Original URL path: http://www.paydayadvance.org/Payday-Advance-California (2016-02-17)
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  • Payday Advance Colorado - Fast Loans in CO
    past paycheck stubs bank statement showing electronic deposits etc A post dated check is usually provided for the amount of the loan plus interest and other fees at a loan office Your checking or savings account information is obtained from online lenders and sometimes from Colorado loan offices in order to deposit funds once your application is approved The term payday loan comes from the amount borrowed to be paid back on the date of your next payday Most states that allow licensed payday advance lenders generally require payday loans to be repaid within a 30 31 day period However the state of Colorado allows up to six months for payday advances to be repaid Colorado Payday Loan Guidelines The state of Colorado allows a maximum of 500 to be obtained through payday advances with a minimum six month loan term Although six months is one of the most generous national payback terms it should be considered that high interest rates are applied to such short term loans In Colorado the maximum finance rate for an amount up to 300 is 20 percent and amounts ranging from 301 to 500 having a maximum finance rate of 7 5 percent On top of this amount there is a 45 percent annual interest rate and a monthly maintenance fee of 7 50 per every 100 borrowed up to a maximum fee amount of 30 which can be applied to the loan after the first 30 days the length of most state laws governing payday loans There is also no limit of payday advances obtained as long as the total amount of all loans does not exceed 500 and there is a 30 day period between loans Rollovers loan extensions are allowed but they are subject to the 45 annual rate of interest

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Colorado (2016-02-17)
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  • Payday Advance Connecticut - Fast Loans in CT
    for and obtaining a payday loan Payday loan lenders usually only require that a simple application be filled out containing some personal information You will also be required to provide personal identification and information to prove your current employment Employment verification is normally provided through current paycheck stubs or bank statements showing direct payment entries from your employer You will also be asked by online lenders to provide bank account information so that the loan amount can be deposited once approved and payment can be deducted at the agreed upon date Approval of Connecticut payday loans usually occurs within hours Credit checks are rarely made but instead lenders use your banking info and payday amount as collateral Connecticut Laws Governing Payday Loans Although small loan lenders are allowed to operate within the state of Connecticut they are governed by very strict regulations which make it quite unattractive for companies to operate Besides being required to obtain a license Connecticut small loan lenders must also adhere to very low interest rates The small loan APR interest rate cap is set at 30 03 percent which is equal to 17 per 100 and can be applied up to 600 and 11 per 100 for greater amounts up to 1 800 Add on interest also applies Online payday loan companies must also follow these guidelines minus the licensing requirement However since such Internet companies can do business in multiple states they are much more likely to meet these strict guidelines and provide Connecticut residents with rapid cash advances Alternatives to Payday Loans As suggested online payday loans can be obtained through Internet companies offering short term loans and who follow Connecticut laws governing them However there are additional alternatives to short term cash advances that you might consider The state of Connecticut encourages

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Connecticut (2016-02-17)
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  • Payday Advance Delaware - Fast Loans in DE
    you are approved The approval process normally takes less than 24 hours Current Legislation Governing Delaware Payday Loans Delaware short term cash advance lenders are required to obtain a license in order to provide payday loans to Delaware citizens However as of January 1 2013 newly passed legislation went into affect restricting Delaware payday loans and those who provide them A limit on the number of short term loans that a person can have in the state is now five within a 12 month period This restriction includes loans that are extended or rolled over For example if you roll over one loan four times that counts as four separate loans under the law Companies violating this portion of the law by lending more than the limited loan amount to an individual are prohibited from collecting interest penalties principal or other fees Short term cash advances are monitored via a database operated by the Office of the State Bank Commissioner The company must check this database of borrower information before approving a short term loan so that they do not violate this stipulation of the law Short term consumer loans have also been defined as amounts of up to 1 000 This part of the legislation actually increased the previous amount which was set at 500 but it also included larger numbers of companies into the status of a short term lender who must now adhere to the new regulations Also the law specifies that cash advance payments must be made within a 90 day period in equal installments The law also stipulates that no other fee interest charge or other charge can be added to the original loan agreement guidelines However the amounts of the initial interest rates fees or charges are not specified under the law and are

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Delaware (2016-02-17)
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  • Payday Advance Florida - Fast Loans in FL
    advance guidelines What to Expect When Applying for a Florida Payday Loan Florida payday advances are relatively easy to obtain Basically you should first decide how much cash you need This amount should only be what is absolutely required to meet the need since Florida payday loans come with high interest rates and fees You should also keep in mind that the money to repay these short term loans comes from your next paycheck so you don t want to leave yourself short on payday Once you determine your required amount you should research your options for the best rates since they can vary per lender You have the option to go to a payday advance lender near you or conveniently apply from home with an online lender You will be required to fill out a simple application form and provide proof of employment via bank statements registering direct deposits from your employer or actual paycheck stubs You will also be required to submit personal identification A brick and mortar store may ask you to provide a personal post dated check that can be cashed on the date of payment Online and most Florida short term loan companies will also ask you to submit your bank account information so that funds can be transferred once your loan is approved Online companies use your bank account information to retrieve payment on the due date Legal Guidelines for Florida Payday Loans There are certain guidelines associated with Florida payday advances which must be met and which you should be aware of as you research lenders There is a maximum amount on Florida payday loans of 500 that must be repaid within 7 to 31 days The finance rate and associated fees carry a maximum of 10 percent plus associated verification fees which

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Florida (2016-02-17)
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  • Payday Advance Georgia - Fast Loans in GA
    by providing small amounts of cash quickly and with little required information and no credit checks These short term cash loans are repaid within a week to a month normally on the date of your next payday As mentioned you can only approach a state licensed lender Payday loan companies require that you fill out a short application form and provide them with some form of identification current employment verification and your bank s checking or savings account information At the agreed upon date of your repayment plan the loan amount plus any interest and associated fees are withdrawn from your account to satisfy the loan Keep in mind that payday loan companies you do business with online must adhere to the interest rates and fees established by the state of Georgia Alternatives to Georgia Payday Loans Besides seeking out licensed small loan companies or online payday loan companies you might also look to other sources to satisfy short term cash needs Some selections may save you money on interest and fees if you are in a particularly cash strapped situation If your financial emergency concerns a bill with an upcoming due date that you may not meet you can directly approach your creditor s and request an extension of your due date You might also seek a title loan request a pay advance from your employer pawn items seek social program assistance or borrow money from a family member or friend Long term financial help can be obtained by getting a second part time job doing a side job paying off or consolidating bills tightening your budget adjusting tax withholdings by using a W 4 or requesting overtime Questions and Additional Information on Georgia Payday Loans If you have further questions or require additional information on payday advance Georgia

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Georgia (2016-02-17)
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  • Payday Advance Hawaii - Fast Loans in HI
    such short term cash loans being generally repaid on the date of your next payday The Process for Acquiring Hawaii Payday Loans Getting a payday advance Hawaii loan is extremely fast and easy to obtain It only takes minutes to fill out a short application and submit the required employment and personal ID information Once your Hawaii payday loan application is submitted it usually only takes hours or until the next business day to receive the money deposited into your bank account The loan agreement you sign as part of your application process has a date set for repayment of the loan amount plus any associated interest and fees which are set by the state of Hawaii The loan period normally runs from one week to a full month and repayment is made either by paying in person or via electronic withdrawal from your bank account by the lending company Sometimes you are required to supply a post dated check so that if you do not show up to make repayment in person the check can be cashed and the loan can be satisfied Non sufficient funds fees are applicable should you not have enough money to cover the loan in your account Legal Guidelines Pertaining to Hawaii Payday Loans Both in state and online lenders must adhere to guidelines pertaining to payday advances which are set by the state of Hawaii You can either visit a participating lender in Hawaii or conveniently apply and receive a Hawaii payday advance from an online lender from the comfort of your home or office The maximum loan amount in the state is 600 with a loan term of up to 32 days The finance rate and associated loan fees can only equal up to 15 percent of the total loan amount For

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Hawaii (2016-02-17)
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