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Is An Instant Cash Advance Really Instant

Is An Instant Cash Advance Really "Instant"?

Instant cash advances aren’t really “instant,” but they are quick. Within a matter of minutes you can have a response to your application with cash in your account hours later. These types of companies also automatically deduct your payment, so you don’t have to worry about writing checks.

Fast Application Process

With “instant” cash advance companies, you application is processed online. By verifying your information with databases, they can respond within minutes to your request for cash. You don’t need to fax in documents or other paperwork. But if there is a glitch in your information, like a misspelled street name, then a person will need to review your documents, which can cause a delay.

However, most of the time this process is much faster than driving to a cash store, showing your documents, and waiting for them to make copies and verify the information.

Quick Cash

“Instant” cash advances are deposited directly into your checking account, usually overnight. There are no checks to cash or lines to wait in. And you don’t have to wait for a check to clear before withdrawing money. It could be easier.

Easy Payments

You also have easy payment systems with these companies. When you apply for your payday loan, your lender will set up a payment plan. You can choose to have all or part of the loan paid on your payday. Ideally, you want to pay the entire amount for the least amount of finance fees.

When the payment is due, your lender will deduct the amount from your checking account. You don’t have to worry about sending in a check. But if you do want to change the payment amount after your application, you can contact the company to arrange terms. You have both flexibility and convenience.

Near Instant Shopping

While “instant” cash companies can offer you fast service, you can also quickly compare fees and terms online. Many companies can offer you fast service, so don’t go with the first offer. According to the federal law, all financial lenders have to disclose their APR before you submit an application. Most of the time you will find the rates listed under “fees” or “FAQ.” Otherwise, request rate information before applying.

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Justify Your Financial Needs with Secured Homeowner Loan

Justify Your Financial Needs with Secured Homeowner Loan

During my financial crisis, I was really confused whether to go for a secured loan or unsecured loan to overcome my financial disaster. Some people suggested me to go for secured loan and some for the unsecured loan. And I really didn’t know which to choose. Then I decided to go to the credit counselor to know what he suggests. He suggested me secured homeowner loan by taking into account my credit situation. Before I tell you why he suggested me the secured homeowner loan; I want you to know my state of affairs.

•I was in need of the money urgently for my business.

•The amount I wanted was large.

•I was a homeowner.

•Another thing I required was the longer repayment period.

Credit counselors told me that rather than go for any unsecured loan I should opt for secured loan as I am a homeowner, as secured homeowner loan will enable me to satisfy all my conditions. Some of the features of secured homeowner loan are:

•Secured homeowner loans are granted against the equity in the house.

•They are also known as second charge loans or second mortgage loans.

•They provide a longer repayment period because of the security placed.

•Lender charges lower rate of interest as he thinks that the risk involved in lending an amount is covered by collateral.

•The person with bad credit history can take secured homeowner loan.

•Homeowner loan enables you to borrow large amounts.

Generally, the amount a person can borrow from the lender against the house depends upon the value of the equity. However the property can be in risk if the person is not able to pay any amount of installment.

Other than business it can be used to consolidate debts, can buy a new car, holidaying with your family and also for the home improvements. We can also say that, it is versatile and flexible loan.

Before I go for secured homeowner loan from the lender, I made a research for the various other lenders offering the same loan. Then I compared all the lenders on the basis of the cost and terms involved in it. Then only I made a choice of the lender.

In short, a secured homeowner loan offers the low monthly installment, low rate of interest and low cost in procuring the loan.