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Help! I Need a Cash Advance!

April 17, 2013 by Zippy Payday Cash Loans Leave a Comment

Help! I Need a Cash Advance!

Emergencies Happen and a Cash Advance Can Help

Emergencies happen. When you’re pressed for cash, you don’t have to run around yelling, “I need a cash advance!” You don’t need to stress out. In fact, you don’t even need to say a thing. Our cash advance lenders are easy, quick, and hassle-free. You can apply online in the comfort of your own home.

Help! I need a cash advance because my car broke down!

Car repairs are one of the most common reasons Americans need cash advances. On average, each American spends $356.04 on car repairs each year. Sometimes car problems happen between pay periods—and sometimes, the car repairs just can’t wait. If you find yourself desperate for cash and thinking wow, I need a cash advance to pay for my car repairs, don’t worry. We can help.

What if I need a cash advance to pay for something other than a financial emergency?

Cash advances are available to anyone who needs the money. As long as you are employed, 18 or older, and have an active bank account, we can get you approves for a cash advance loan regardless of what you need the money for. Are you thinking, “But I need a cash advance now?” Don’t worry—we also offer 1 hour cash advance loans, too. Our lenders can work with you today.

I Need a Cash Advance, By Heather Wilson

Filed Under: cash advances online, cash loan, cash loan lenders, cash loans, direct lenders, Loans Tagged With: 1 hour loans, cash advance, cash advance online, cash advances, direct cash advance, direct cash advance loan, direct cash loan, lines of credit, pay day lending, payday lenders, Payday Loan Reviews, short-term loans

Who is a Typical Payday Loan Customer?

October 27, 2011 by Zippy Payday Cash Loans Leave a Comment

Who is a Typical Payday Loan Customer?

Old Payday Loan StoresGrowing up I thought a payday loan, cash advance or cash loan of any type, was meant for the poor. When driving through the urban parts of Los Angeles it’s typical to see payday loan stores. It’s easy to spot a cash advance store by the opaque windows and doors, and signs saying “fast payday loans”, “quick cash” and “cash now.” When seeing these lenders, I would imagine the types of people who would take out a payday cash loan. I pictured the same people you see in line at the welfare offices or using food stamps. The general assumption of the types of people who take out a payday loan are similar. We imagine unemployed, low income, lazy individuals in need of cash to cover expenses which they can’t afford due to irresponsible behavior.

Image of Payday Loan Customer is Outdated

That image of the payday loan customer is outdated, and unrealistic in today’s world. In order to apply for a payday loan, the borrower must be employed with a steady income, have a current bank account, and valid telephone number. This makes it impossible for a homeless person or unemployed individuals to borrow cash from a payday loan lender. The economic recession of 2008-present has left behind a path of financial instability for many Americans. There were the college graduates who were introduced to the “real world” with an inflated job market, no job creation, and layoffs affecting thousands. Not to mention the kick start of their student loan payments. Then there were the CEOs, Vice Presidents, and other upper management employees who were laid off in order to cut costs. Let’s not forget all of the other thousands of employees who were laid off across the country. In the years since the recession there has been very little job creation, salaries are stagnant, our country’s credit rating has declined, and economists suspect a double dip recession in the horizon. Meanwhile, the cost of living has increased. Food, gasoline, and utility prices have all increased in the years since the initial recession hit. Now, who do you think is is a typical payday loan customer?

Payday Loan Customer Applies and Receives Cash Via the Internet

payday loan customer direct lender loanAll of these factors and more have changed the demographics of the types of people who apply for direct payday loans. Another factor is the changed image of the cash advance industry, and the ability for the payday loan customer to apply for and receive cash loans via the internet from direct payday lenders. With direct online payday loans, anyone who is over the age of 18, employed, with a bank account and valid telephone number can apply with anonymity. You no longer have to visit a seedy shop located in a strip mall in the urban part of town to receive a direct cash advance loan. Payday loan consumers can apply for a direct cash loan from direct lenders and from the comfort of their home, or via a cell phone. The applications are 100% safe and secure, and the direct cash loan is approved instantly. The cash is then wired to the payday loan customers account within one business day or sooner. The ease in which a person can apply for a cash loan from a direct lender, and economic factors have changed the face of the payday loan industry.

Typical Payday Loan Customer, Not Typical At All

According to the Community Financial Services Association of America, the payday loan customer demographics go against the stereotypical cash loan borrower image. According to a study conducted by Georgetown University, and published by the CFSA, the majority of payday loan customers are in the middle-income category. Specifically, the majority of payday loan customers make between $25k and $50k a year. The typical payday loan customer is also middle-educated, with 90% of borrowers possessing a high school diploma or greater. Fifty-four percent of payday loan customers have some college under their belt or a degree. Thirty percent of payday loan customers own a home, fifty-four percent possess major credit cards, one hundred percent have steady incomes, and one hundred percent have a checking account. The majority of payday loan customers are married, 63% have children, and 53% are under the age of 45.

As the economy changes, so do our perceptions of the working class. Short-term loans offer a temporary solution to financial difficulties. When credit cards, and other options are not within reach or take way to long to pay off, a small payday loan between $200 and $1500 can go a long way.

Who is a Typical Payday Loan Customer, By Ray West
Direct Payday Lenders Online

Direct Payday Lenders Online

Filed Under: cash loans, direct lenders, direct payday lenders, Loans, online payday loans, payday loans Tagged With: 1 hour loans, cash advance, cash advance online, cash advances, credit & debt services, credit and debt services, direct cash advance, direct cash advance loan, direct cash loan, direct online payday loans, lines of credit, online payday loan, pay day lending, payday cash loan, payday lenders, payday loan customers, payday loan lender, Payday Loan Reviews, payday loan stores, personal financing, short-term loans

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