Fast Cash Loans in Southaven, MS
We’re a lending platform that works for people who get into financial emergencies. Fast Cash Loans provides favorable loan products with a straightforward application process and a rapid approval decision within an hour. We consider applicants with any credit scores and are aimed at helping needy borrowers overcome their money problems urgently. Don’t want to waste time getting to the store? Apply from your place in a matter of minutes by using our online submission form!
How Does a Fast Cash Loans in Southaven Work?
Payday loans are small amounts between $100 and $1,000 you can access for a limited period. Typically, you need to repay the loan cost when you receive your next paycheck, but there are also options with a long-term repayment schedule of up to 48 months. The loan cost consists of your initial loan amount plus an interest rate and any processing fees a lender may charge. Typically, lender fees are from 5.99% to 35.99% for an unsecured personal loan with good credit.
Payday loans from Fast Cash Loans in Southaven are accessible with any credit score, so you’re welcome to apply even if you have any credit difficulties. These cash advances don’t impact your credit history and offer fast money funding within one business day.
If you need to get a $1,000 loan with 12-month repayment terms and a 3% processing fee ($30), your monthly payment will be $94.56. The total loan cost you have to pay back will be $1,134.72. Therefore, including the 3% fee, you will overpay $164.72. A representative APR will be 29.82%.
Nearby Fast Cash Loans Locations
Why Do I Need a Fast Cash Loans?
People usually take out payday loans to overcome financial emergencies they were not prepared to face. Although you can use loan proceeds for any purpose, you’d better be cautious to avoid getting into a debt trap. Here are some situations when a payday loan may be a good idea:
- Paying rent/mortgage;
- Covering medical bills;
- Paying utilities;
- Car repairs;
- Covering daily expenses;
- Making your credit card payments.
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Payday Loan Benefits – Why to Get an Urgent Loan from Fast Cash Loans
Like any loan, a payday cash advance has its specific mission. It was created to meet emergency people’s needs. Thus, such loans offer the following advantages:
- Straightforward application process;
- Fast loan decision within an hour or less;
- No additional fees for application;
- Allowed with bad credit;
- Easy-to-meet requirements;
- Direct deposit within one business day.
- Be over the age of 18 (or an adult in your state);
- Have proof of your permanent residentship or legal citizenship;
- Enter your personal and contact details in an application form;
- Have a live bank account;
- Have a steady income of at least $1,000 per month.
Payday Loans in Southaven, MS – Application Steps
Applying for a payday loan is easier than you’re supposed to think! You can apply online or in a storefront by following these steps:
- Fill out a loan request form. Find our online submission form or visit a nearby location to let us help you with your application.
- Wait for a loan decision. It typically takes less than one hour to check your application details and make a decision. You will receive a response from a store manager or by email shortly after submitting a form.
- Put your signature in a loan agreement, if approved. You can also do it electronically if you choose an online application.
- Receive loan proceeds. You can access the funds in your checking account as soon as the next business day or sooner.
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Can I Get a Payday Loan in Southaven with Bad Credit?
You can count on our assistance with any credit or payment history if you meet our simple eligibility requirements. Just let us know you’re an adult US resident and your revenue is enough to fulfill your debt payment obligations.
How Can I Repay a Payday Loan?
It depends on the type of loan and the lenders. It may be either a one-time payment when you receive your next cash advance or equal monthly installments within a loan lifetime. In the first case, a lender will electronically deduct the loan cost from your bank account. Otherwise, you will be asked to make payments up to date or set an auto payment.
Does a Payday Loan Affect My Credit Score?
In most cases, online lenders don’t perform hard credit checks, so obtaining a payday loan doesn’t impact your credit rating. However, in some states, a hard credit inquiry may be mandatory.