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Get a Fast Cash Advance from AAA Cash Today!

The economic downturn that began in late 2007 has had a lot of negative impacts on people across the country. None have been harder hit during these tough economic times than those who have poor credit and need loans. As millions of Americans lost their jobs, late fees and overdue bills began piling up in homes around the country. Unfortunately, at the same time banks and credit unions were tightening their credit lines and bringing the flow of money to a halt. If you are one of the millions directly affected by the recession and in need of a loan, consider a fast cash advance from AAA Cash.

Lenders such as those who work with AAA Cash work hard to provide a fast cash advance to those who need money in their checking accounts fast in order to meet financial challenges. A cash advance is a small loan (also known as a payday loan) with a short term attached to it that is designed to provide individuals with cash they need to deal with sudden financial shortfalls. Some of the terms pertaining to obtaining a fast cash advance:

  • Loan amounts ranging from $100 to $1,000
  • Loan periods stretching from two weeks to 30 days
  • No credit checks necessary
  • Fast approval, often in less than five minutes
  • Extensions and roll-overs available

Each U.S. state has laws and guidelines in place that the cash advance industry must abide by, so the state in which an individual resides will determine the specific terms of their money loan from AAA Cash. For instance, many states place a maximum cap on cash advance loans at $500. Other states allow individuals to only take out loans that stretch for two weeks, while others have laws stipulating the number of cash advance loans an individual can have out at one time.

A loan from lenders working with AAA Cash is extremely easy because the entire process is completed online. An application for a cash advance online can be filled out in a matter of minutes.

 

Fast Cash Advance – Only Information Required:

 

  • Driver’s license or Social Security number as proof of age
  • Proof of stable employment over the past month
  • Valid contact information including phone number and email address

Once applied for, individuals need only wait a matter of minutes for approval, thus the term fast cash advance. Because there is no credit check involved with most cash advances means the process can be completed quickly. After a lender has approved a loan request, individuals will find the cash they need in their checking account within one business day.

Perhaps the greatest benefit of a fast cash advance from AAA Cash is that no credit score is required. This not only makes the process easier, requiring less information of the applicant, but it also makes the process faster because there is no traditional lengthy credit check process. In addition to speeding up the process, the lack of a credit check opens up loans to a greater segment of the population. Many of those who may find themselves in need of emergency cash in between paychecks have struggled with their finances for awhile, and as a result they likely have poor credit. Other individuals may not have established a credit history for themselves yet. In both cases, these individuals are likely to be turned down by a bank or credit union.

A cash advance lender will never conduct a credit check or deny a loan to an individual because of poor or no credit. That not only gives those with bad credit access to the money they need to solve their financial woes, but it also gives them a chance to repair their credit rating by successfully repaying their loans when the loan period concludes.

AAACash.com provides individuals with the fast cash advance they need to tackle any number of financial emergencies that may arise in between pay periods. Some of these expenses are unforeseeable, such as a rock cracking your windshield on the drive home or a nail puncturing one of your tires. These situations need to be dealt with immediately to get you and your vehicle back on the road, but they also require cash. Other unexpected financial challenges include home repair costs and sudden medical expenses.

There are also situations that individuals can see coming, but are nonetheless incapable of solving. Many individuals find themselves constantly behind on utility bills, credit card bills, and mortgage payments. When this happens, these companies generally charge late fees and other charges that can make bills worse. A fast cash advance from AAA Cash can help an individual pay off their bills before their paycheck arrives, avoiding late fees in the process.

 

Fast Cash Advance with AAACash.com

 

If you find yourself in need of emergency funds to help avoid late fees or to deal with unexpected financial shortfalls, visit AAACash.com for all the information you need regarding a fast cash advance.

APR – Representative Range Explanation

The annualized interest rate that you are charged on a cash loan is known as the APR, which stands for annual percentage rate. AAACash.com is not a lender and therefore does not disburse loans, but it does refer consumers to lenders who are in the business of providing loans of this type, and it does not charge fees for this service. Because AAACash.com is not a lender, it is not able to supply you with the exact APR that will be attached to your loan. Keep in mind that APRs can vary according to the information that you provide in your loan request and also the information that your lender gives you.

Your lender will supply you with specifics regarding the APR, finance charges and any other applicable terms when you are redirected to your loan agreement during the process of requesting a loan. If you need help with any AAACash.com-related services, you may Contact Us.

The APR on a cash loan can range widely, generally being anywhere from 200 percent to 2,290 percent depending on exactly how it is calculated and other variables such as the loan duration, any fees incurred (nonpayment, late fees, etc. ...) and loan renewal actions. You should be mindful of the fact that the APR range is not your finance charge; that will be disclosed by your lender at a later point in the loan request process.

Representative Example
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YOU CAN BORROW $400 FOR 14 DAYS WITH A $40–$80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE 261% TO 521%*

Relatively speaking, cash loans are costly when compared with other types of loans. It is not recommended that you use them as a long-term financial solution, and you should only take them out in emergency situations.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low-end calculation: ($40 / $400) * (365 days / 14 days) x 100 = 260.71%
High-end calculation: ($80 / $400) * (365 days / 14 days) x 100 = 521.43%

Important Implications to Consider

AAACash.com only partners with lenders who make it a practice to provide customers with detailed information regarding loan conditions and terms prior to their acceptance of a particular loan offer. You should always closely go over the conditions and terms of any loan offer you receive. For more details about these considerations, look at our Lending Policy and Rates & Fees Web pages.

IMPLICATIONS OF NONPAYMENT

When you accept the conditions and terms attached to a loan offer, you are effectively agreeing to pay back the principal and finance charges in the required amount of time specified in the loan agreement. Additional charges could apply should you not be able to repay your loan in full or in the event that you make a payment after its due date. AAACash.com cannot predict the charges you will incur as a result of nonpayment, partial payment or late payment. Moreover, it has no control over knowledge of the loan details between you and your lender.

Make sure to refer to the nonpayment, partial payment and late payment policies detailed in the loan documents you get from your lender. It is the policy of AAACash.com to only work with lenders who are reputable and who make it a practice to pursue collections of past-due accounts in manner that is fair and reasonable.

FINANCIAL IMPLICATIONS (INTEREST AND FINANCE CHARGES)

Should you be approved for a cash loan, your lender will inform you of the fees and interest rate attached to that loan before you go ahead and formally accept their offer. As previously stated, AAACash.com is not a lender, and therefore it is unable to predict the specific interest and fees that will be connected to the offer. Please be aware that under no circumstances are you obliged to accept any particular loan offer.

POTENTIAL IMPACT TO CREDIT SCORE

It is the policy of AAACash.com to not get involved in making credit decisions or ever perform credit inquiries on prospective loan borrowers. However, some of AAACash.com’s affiliated lenders may opt to conduct a nontraditional credit check for the purpose of determining your eligibility for a cash loan. The lenders generally will not perform a credit inquiry with any of the three major credit bureaus in the United States (Experian, TransUnion and Equifax).

In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating. AAACash.com wholeheartedly encourages consumers with credit problems to consult a credit counselor.

COLLECTION PRACTICES

Again, AAACash.com is not a lender, and we also do not ever engage in debt collecting. In their loan documents, your lender will provide information to you about their collection practices. Should you be unsure of the practices that are used by a particular lender, we highly recommend that you directly discuss this issue with the lender. AAACash.com’s policy is to only work with reputable lenders who make it a practice to pursue collections of past-due accounts in a fair and reasonable manner.

LOAN RENEWAL POLICIES

Prior to your acceptance of their loan offer, your lender will present you with loan renewal options. Please be sure to carefully go over their loan renewal policy before you proceed to sign any loan documents. Keep in mind that to a large extent state regulatory laws govern loan renewal policies.

It is intended that cash loans be used solely as a short-term financial instrument. We strongly encourage all borrowers to repay their loan in full and by the specified due date in order to avoid fees stemming from nonpayment and/or late payment. If you believe that you may potentially have difficulty paying off a cash loan after taking it out, we recommend that you explore various loan alternatives before applying for a loan through our website.