Category: charleston

Getting a payday cash advance

Sometimes you may find that you’re a little short of cash and payday still seems a long way off. Getting a payday cash advance may just help you survive.

There could be many reasons why that’s the case. That washing machine that’s just broken down or the child that’s just come in with their coat ripped beyond repair – things such as these may need cash ‘now’ and they just won’t wait until you next get paid.

A payday cash advance operates to help you in such circumstances. It is a quick, same day loan facility designed to offer very fast access to typically smaller loan amounts. This form of cash advance loan is typically repaid in full on your next payday or possibly the one immediately after.

This helps you keep in control by avoiding long-term debt repayment commitments.

As these loans are aimed at smaller amounts advanced over shorter periods, the lenders are typically able to offer fast decisions and access to cash without lengthy formalities. As a general rule, all that’s required is:

1 – you make an online application – you’ll typically get a quick decision;
2 – if the decision is ‘yes’, the money will be sent automatically (often in less than 2 hours though it may arrive the next day depending on whether your bank can accept instant transfers) directly to your bank account;
3 – on the agreed payday date, your bank account will be debited with the loan and charge amount as pre-agreed with the payday loan company.

Of course, any loan requires that you meet certain minimum criteria but with cash advance loans the requirements may be less demanding than with other longer-term loans and may also not require a full, in depth credit check. To be eligible to apply for fast cash advance loan, you may need only to show that you are:

1 – in permanent employment and receiving a regular salary;
2 – not trying to borrow more than is sensible given your salary;
3 – a United States resident at a permanent address and with an active bank account.

As these loans are typically for smaller amounts repaid quickly, the lenders may even be more relaxed about problems with credit histories – providing these are not too severe.

A payday cash advance could help you survive a crisis one month and may be a solution when a fast cash injection is needed.…

what is a pre pay debit card?

We all want to feel in control of our spending and having a pre pay debit card that you can use to make purchases may be extremely useful in a variety of circumstances.

So, just what is a pre pay debit card (also known as a prepaid debit card)? A pre pay debit card is not like a regular credit card. You can only spend the amount of money that you have loaded onto the card at any one time. This means that there is less chance of overspending and possibly running up the credit bills that can so easily happen with a traditional credit card.

Prepaid cards are available online from specialist card providers who may also be able to set up an e-bank account to complement the card.


This could mean that in addition to having the flexibility of the card itself, you could also have your salary paid directly into the account or set up standing orders to make payments on a regular basis. Giving you greater control of your money is the key here, as this can be a way for you to side-step your bank as all payments go out from the card – so no interest and no charges.

The main strength of the prepaid card may be that you can use it like cash but without the risks involved in carrying around what could potentially be fairly substantial amounts of money.

If you have ever reached into your pocket to find your money only to discover that it had fallen out or been stolen, then you’ll know only too well that the chances of you seeing that money again are almost zero. If the same happens to your card, you only have to contact your provider to put a stop on the card and prevent it from being used by someone else.

Loading the prepaid card

One of the features of a pre pay card is that it can often be managed online or you can credit cash to it using pay point facilities available in an increasing number of shops and outlets. Some providers – such as Speed-e-card – can top up an activated card using a payday loan from Speed-e-loans.

Children can be especially vulnerable to losing money or having it taken from them so using a card may be particularly helpful for them as well as introducing them to the grown-up world of managing their own finances. This may be particularly true on things like school trips where they may need enough to last them for several days.

Then, if there’s a phone call home on the last day to say that the pre pay debit card is empty and your present is still to be bought, you may be able to simply charge it up again online in a matter of minutes!…