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Looking For Overnight Loans?

Even the best at managing their finances can end up in a pickle from time to time, and need credit to help cover their expenses.

This can be particularly worrying when you are in an emergency and need money to arrive overnight. If you are in a similar situation and have been searching for fast loans, there are options out there.

Direct payday lenders for example can approve your application faster than any bank, and can get you cash in as fast as one business day!

Overnight Payday Loans: The Basics

When you need cash fast, online cash advances are a brilliant method because a lot of providers can fund the loan by the very next day during the working week. Payday loans are commonly used by those who need to cover unexpected expenses but have no money until their next pay check. The loan term is typically just two weeks, tiding the borrower over until that check comes. If you wish to borrow between $100 and $1,000, and are only in a temporary emergency, this may be the perfect option for you!

At WeGot1000 we take the hassle out of applying to individual lenders by trying to refer you to one of the lenders in a large network. Simply fill out our form and we will try to match you in minutes (Note: we do not provide loans ourselves).

Are They Really Overnight?

Several factors determine whether lenders can get you your loan by the next day, but they all aim to do it as fast as possible and are much quicker than most traditional lenders and banks. As long as you apply in the day during the working week, there are no problems with your bank account, and you have singed the agreement if you were approved, there's a good chance you will indeed see the funds early the next working day.

This will not be the case if you go through the process on a Friday as banks don't process transactions over the weekend. This also applies to certain national holidays when banks take a break. Other factors such as the network being down or lenders needing more time to verify your information, can delay the deposit.

overnight loans

The Benefits

There are many reasons why you might seek a cash advance online, the key one being that you can get the money as fast as overnight! This is because the lender will usually issue the deposit to your chosen account as soon as everything is verified and you have signed the contract. It's then on the banking system to do their thing. The repayment is also automatically sourced from your designated account, so as long as the funds are there to cover it you don't have to lift a finger!

The fact that the entire application can be completed online also speeds up the process. Forget about standing in lines and meeting with bank staff, or filling out hordes of paperwork. You might not even need to fax anything if you have access to your statements and documents online already. So, if you need a loan with guaranteed fast approval decision - you know what to do!

3 Basic Requirements

There are just three basic requirements lenders ask for before they start assessing your loan request. Your are:

  • 18 years or older, the legal requirement for all forms of lending.
  • A legal resident of the US and the state from which you are applying.
  • Earning at least $1,000 each month and this can be verified via statements or other documentation.

One Single Finance Charge

All loans will cost you something, that's how lenders turn a profit. The amount you are charged will depend on state regulations, the lender's assessment of your application, and various other internal policies.

Traditionally this cost is shown as an interest rate or Annual Percentage Rate (APR), but you won't have to worry about this as payday loans are a short term commitment and get repaid in one lump sum. Although it may be calculated as an APR, you will only have to pay a single finance charge if you make the repayment on time.

Due to the Truth In Lending Act, this will be presented to you in the loan agreement before you sign the contract. You will never face any hidden charges or procedures, and local state law tightly regulates all payday lenders.

Repaying Your Loan

As part of the application process you will be signing to give the lender permission to take payment from your bank account on the agreed upon repayment date (usually two weeks time, or on or just after your next pay day). You may receive some kind of notification, but the money will be taken automatically. Therefore you should remember to have a large enough balance to cover it.

If for whatever reason the repayment cannot be collected you may face extra interest and charges, depending on the lender's policies and local state law. You could also incur bank charges if the bank covers the payment and allows you to go overdrawn.

Laws and Regulations

All loans whether from an online lender or bank branch are an important financial commitment. It is therefore important to understand the lending process, all of the terms associated with the loan, and your local state law regarding payday lending. This dictates how much lenders are allowed to lend to you in one go, the amount they can charge you for the privilege, and whether they are allowed to extend or renew the original loan if you're struggling to make repayment.

In most cases failing to make the repayment will result in some kind of added charge (be that interest or a new finance charge), and if you leave it long enough you may face collection proceedings (such as emails, phone calls and letters).

Looking For A Loan?

If you have been searching for quick loans to cover unforeseen expenses until your wages arrive, the best option may be an online payday loan, especially when you don't have a credit card or savings. By using our [loan request form] you will be plugged in to a network of over 100 lenders, and if matched with one of these, the online application will take just minutes.

If the lender approves your application you can receive the funds as fast as the next working day!