Guaranteed PayDay Loans

At Guaranteed Payday Loans we know that it is extremely important that anyone who needs instant payday loan should only deal with guaranteed payday loans direct lenders. This is easier said than done, though. If you have ever searched for guaranteed cash advance loans online, then you should know that it might be next to impossible to find reputable guaranteed payday loans direct lenders. Every single lender will try to persuade you that you are doing business with direct payday loan lenders ; however, this is not necessarily true. To help you out with your search I have decided to put together a list of reputable guaranteed payday loan lenders that you can trust. This is not a huge list, but at least you will have some peace of mind when dealing with these lenders, as they have earned themselves a  good reputation by serving millions of people online every year.

Here’s my list of guaranteed payday loans direct lenders:

1. PayDay Max

This guaranteed payday loans direct lender gives its every new customer 25% off of the initial loan fee (also called finance fee). To qualify, you should not have any previously approved loans with PayDay Max. This special discount will only apply to the initial loan fee and will cover only the first 14 days of the loan. Should you decide to extend the loan beyond its original payout day, the discount will not be applied to such an extension. You are probably thinking about how much you would save? With this discount you will pay  just $13.96 per each $100 borrowed. If you are to become a return customer with PayDay Max, then your next finance fee per each $100 borrowed will be just $18.62. PayDay Max allows its customers to extend their loans if they need to, however, additional fees will inevitably apply. The maximum amount that even new customers can be approved for is $1,500, and you will be able to get this amount on your checking account the next business day. This is a No Fax guaranteed payday loan, and the lender does not even require a direct deposit.

If you are interested in additional discounts that you may receive on your guaranteed payday loans with PayDay Max, then you can definitely join their popular Preferred Member Rewards Program, which will allow you to get earn extra discounts on your already low interest rates. Depending on how many loans you have taken out, you can get anywhere between 10% to 30% off, should you decide to take part in this program.

There is also a referral program allowing existing customers to earn $100 for referring a family member or a friend.

2. DiscountAdvances

As PayDay Max, DiscountAdvances is another company owned by IGotit.com Therefore, they are offering the same 25% discount on the already low fees, provided you are a new guaranteed payday loan customer. You will just pay $13.13 for each $100 of the loan amount, which is the lowest I have ever seen. You will be able to take advantage of the same Preferred Member Rewards Program, which may give you up to 30% off of your guaranteed payday loans. The discount depends on the number of loans you have taken. Their approval process takes just a few minutes, and the application form is really easy to fill out.

3. Cash Central

As a customer of Cash Central, you can expect the following:

-the ability to apply online for guaranteed payday loans at any time of the day from the comfort of your home.

-excellent customer service – fast and easy application process for a guaranteed payday loan, including guaranteed bad credit payday loans or guaranteed payday loans no credit check – approval takes just a few minutes and the money will be deposited on your account overnight.

-Cash Central is State-licensed. There are just a few guaranteed payday loans direct lenders that can boast having a State license to operate in the guaranteed payday loan industry. What it means to you is that you are protected by both federal and state laws.

-Should you decide to participate in the Premier member program, you will become eligible to receive 15% off on your 6th loan.

4. CashNetUSA

Customers from more than 30 states can take advantage of their guaranteed payday loans. They are serving more than a million customers annually. CashNetUSA was also the first direct payday loan lending company that have launched Preferred Membership Program. This is one of the few lenders out there who can proudly say they are a member of both BBB and CFSA. This means additional protection for you.

CashNetUSA is highly recommended if you are looking for guaranteed payday loans online. More than a million customers have voted for this company by taking advantage of their guaranteed cash advance loans. The company has an instant approval process in place, where all that you need to do is fill out a simple application form and get your approved loan amount on your bank account within 24 hours.

This guaranteed payday loans direct lender has extended application hours unlike many other cash advance lenders. Submit your application until 09:00 pm CST from Monday to Thursday, or until 07:00 pm CST for the rest of the week. You also will be able to earn $20 for each new client you refer, or get up to 20% off of your loan, if you join the Preferred Member Program. It’s a No Fax guaranteed payday loan, and clients with bad or no credit history can apply.

Cash Advance - Payday Advance Store

If you are interested in other types of guaranteed payday loans, CashNetUSA also deals with CSO (Credit Service Organization) and instalment loans. Pick up the one that best fits your requirements.

In addition to these guaranteed payday loans direct lenders, we have also compiled a short list of companies that act as intermediaries between you and the payday loan lenders. They are not direct payday loan companies, but would rather help you find a direct payday loan lender that could best satisfy your loan needs. Basically, they simply match you with direct payday loan lenders based on the information you have provided in your application form, that they will ask you to fill out. From there, they will search their own database of direct cash advance lenders, and will choose one or more available in your state that can satisfy your needs. These payday loan operators do not control the interest rates, nor do they control any other costs associated with your future loan.  You will be directly referred to the lender, once they have matched your application with a specific direct payday loans lender. You will be responsible to go through all the details of your guaranteed payday loan contract, including the loan amount, interest rates and other fees. It will cost you nothing to apply through such an intermediate loan arranger – they will be paid by the direct payday loan lenders that they have matched you with.

The advantage of applying through such companies is that it eliminates the research on your part. They will just run your application in their database and will select a direct lender available in your particular state, the one who would be prepared to work with you, considering your particular situation. There is no risk to you – you do not have to sign any deals with the lenders they selected for you. However, if you do decide to go with the suggested lender, it will be your responsibility to further research this lender and all the terms that come with the loan.

Here’s our list of preferred third party payday loan operators:

1. Safe Online Cash               fill out application form now

2. Secure Money Store       fill out application form now

3. AmeriAdvance                 fill out application form now

4. 100 Day Loans                  fill out application form now

1. 100DayLoans.com

Most guaranteed payday loans direct lenders give you just 14 days to pay back the money they loaned to you. What if you need more than 14 days? Normally, you can ask for an extension (this option should be stipulated in your contract). This can be a lengthy process, and, in any case, you will need to apply for the extension, get approved, and, finally, pay the extra fees. 100DayLoans.com hooks you up with direct payday loan lenders that are prepared to wait 100 days before your loan is paid back. This operator is not a direct lender – they simply connect you with direct lenders by searching their database and selecting a lender who can offer you the best interest rates and the lowest fees. Their database has hundreds of direct payday loan lenders, and, if you qualify, they can even find you a lender who can approve  you for up to $10,000.

Now, let’s talk about how you apply for guaranteed payday loans.

The guaranteed payday loan industry is not really very well regulated in the U.S. However, more and more states are introducing legislation in an attempt to better control payday cash loans. This resulted in an introduction of a more rigorous application process for short-term loans. Many guaranteed payday loan companies now require a higher monthly, semi-monthly, or bi-weekly income, whereas some other lenders are now looking into your credit history. This normally concerns solid companies with extensive customer base.

Yet, the guaranteed payday loans direct lenders mentioned on our list, would only require your most basic details in order to approve you for guaranteed payday loans. Most of them would ask for a piece of identification, confirmation of your employment history for the last three months, your bank account details, and proof of income. The fax requirement has become obsolete these days, so, most lenders won’t ask you to send any information to them by fax. Still, some of them can, particularly if you are a first-time customer. Therefore, if you don’t have access to a fax machine, then choose only those direct lenders that would agree to work with you on a No Fax basis. If you are dealing with a reputable lender, then you can expect your application to be reviewed in just a couple of minutes. If you don’t get a prompt response by return e-mail, most likely it means they have some questions with regards to your application.

Post-dated checks are also very rarely used these days – instead, your direct payday loan lender will send the money to you by wire transfer directly into your bank account. Once your guaranteed payday loan is due for repayment, the lenders will simply deduct the money they loaned to you as well as any applicable finance fees and interest rates. Customers do like the idea of not dealing with the post-dated checks, and particularly, the lengthy check processing time associated with those checks.

Here’s the big question – how do you know if this is a legitimate guaranteed payday loan direct lender?

First, check out if your lender is certified to conduct business in your state or multiple states. There are not so many state-certified guaranteed payday direct lenders. In fact we have only two such lenders on our list. The first thing you do, just go to the lender’s website and see if they are mentioning the certification. For example, Cash Central does have such certification, and they don’t hesitate to mention the fact at the bottom of their home page – just look for the “State-Licensed” stamp. I always recommend that you should read the payday loan lender’s About Us page. This is where you should be able to find out if your particular lender is State-Certified.

Next, is to check out if the lender has BBB (Better Business Bureau) accreditation. The BBB accreditation is not compulsory; however, most reputable and legitimate lenders normally seek such an accreditation in an effort to demonstrate to their clients that they are determined to deal with them in an honest and fair manner.

We suggest you probably should not deal with the overseas guaranteed payday loans direct lenders. This doesn’t mean they are somehow illegitimate, but rather, they are in no obligation to comply with the state or federal laws in the U.S. Besides, some of them have collected personal data to scam their customers in the past, or, even sold such information to others. As they conduct their business from the overseas, you won’t be able to press charges or prosecute them.

Use your common sense to avoid scams of all sorts. Always deal with reputable guaranteed payday loans direct lenders. If you have decided to use the third party that would simply match you with a payday loan lender, then make sure you research the lender that has been supplied to you by checking the lender’s website, BBB and CFSA accreditation, and carefully reading the TOS. Should you still have any questions, don’t hesitate to call the lender directly and talk to the management, lending officer, or customer service until you have all your questions answered. Should I mention that very low fees may not necessarily translate into a great deal for you. Some lenders will attempt to entice you with low rates and fees, hoping to hook you up, and keep rolling your loan forever, or until you pay in extra fees way more than has actually been loaned to you in the first place. If it looks like it’s too good to be true, then it probably is. Get guaranteed payday loans today!

You might think that nothing can really be guaranteed in this life any more, but you will be surprised to find out that getting guaranteed payday loans is actually not so difficult. Most people would be able to obtain a guaranteed payday loan for $100 almost instantly. Many of you will be able to get approved even for a bigger guaranteed payday loan amount, particularly if you are a repeat customer and have established yourself with that particular guaranteed payday loan lender. IF this is your case then it should be easy for you to get approved for $1,000 or even more (with some lenders) in less than 24 hours. Keep in mind that guaranteed payday loans are short term loans, designed to be paid back very quickly, normally within 2-4 weeks, and are secured again your next payday check. So, if you strongly feel you need that break, and could use a short term loan, and, if you are confident you can pay off the lender within a short period of time, then stop worrying and go get your instant approval payday loan.

I am sure you’ve heard lots of bad stories about people getting into a lot of trouble making use of these guaranteed payday loans. While some of those stories are true, this does not have to be your case. The main thing here is to be absolutely sure you can pay back in a timely fashion. If you have a job, and you  know that you only need this loan to get by until you get paid by your current employer, then go ahead and apply for the loan. This is particularly true when you are facing some pressing financial bills, or when there is a threat to lose your house, or when you need to spend some money on your car repairs. Whatever the reason, make sure you understand that you should only use guaranteed payday loans for real emergency situation, as described above.

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Guaranteed payday loans, often referred to as payday cash advance or same day cash loans, are basically short-term loans designed to cover the person’s expenditure until the day he or she gets paid by the employer. However, guaranteed payday loans are also apply to any money granted against lines of credit, for instance a credit card cash advance. There is no federal legislation around guaranteed payday loans in the US, therefore, many states enacted their own legislation.

Those states in the US that has enacted such legislation aimed it at preventing the lenders from charging excessive or unreasonable interest rates, and restricting the APR (annual percentage rate) that a guaranteed payday loan lender can charge. Certain states have even outlawed guaranteed payday lending in its entirety, but many others have hardly any restrictions on guaranteed payday loans.

Many people get confused when differentiating the APR and EAR (effective APR). Because guaranteed payday loans are very short-term in nature, the difference between the two may be substantial as EAR has compounding element built into it. For instance, if you were to borrow $100 for a 2-week period and pay in $15 in fees, your APR will be 390% (there are 26 2-week pay periods in a year, therefore, 26×15%=390%). At the same time, EAR will be equal to only 3,685% (1.15²⁶ − 1) × 100% ).

Guaranteed payday loans direct lenders claim that guaranteed payday loans carry significant risk to them as they have around 15-20% default rate. One study even suggested that default loans amount to one third of the lender’s annual income.

Here’s how the loan process used to work. The lender would provide unsecured guaranteed payday loans that the borrower would pay back at his or her next payday. The verification process would include the lender asking for the borrower’s copy of the bank statement or pay stubs. However, some direct payday loan lenders would omit this process altogether, or would use their own underwriting criteria.

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These days, a lot of people have been turning to the web whether they are looking for interpersonal relationships, any type of knowledge, or conducting business transaction, such as guaranteed payday loans. The Internet provides us with a quicker and easier way of finding the answers we are desperately searching for, be it information for your thesis or comparing online guaranteed payday loans direct lenders. It is so true that with the help of the internet you can drastically reduce all the time you spend lining up in a store-front office, waiting for your turn to be serviced by customer service representatives.

Would it be also true to say that internet is swamped with hundreds of illegitimate businesses waiting for their chance to take advantage of people who are not so knowledgeable about what they are looking for? Unfortunately, the answer is yes, it’s true. As internet can be quite anonymous, there are certain agencies in guaranteed payday loans industry that may be posing as accredited direct payday loan lenders, waiting for an easy opportunity. Such agencies would not hesitate to use various black-hat computer software to mask their real identity. It’s very unfortunate, but there are certain risks associated with dealing with not so reliable online cash advance lenders. Therefore, we strongly recommend that you should be mindful at all times and do your research before you decide to sign up with any direct payday loan lender for guaranteed cash advance loans.

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How do you select guaranteed payday loans direct lenders? If you got yourself into a dire financial situation, most likely you will need to consider taking a guaranteed payday loan. If you don’t want to make things worse, before even applying for the loan, you have to consider certain criteria, particularly the criteria with regard to the terms of the guaranteed cash loans . Let’s say, your financial predicament is stemming from accumulated debt from several cash advance loans. In this case, your best choice will be getting a consolidated loan. However, if your debt is stemming from an unforeseen situation, like a health related bill, or a car repair bill, then your financial situation would be best handled by getting a guaranteed payday loan from any of the guaranteed payday loans direct lenders. It’s important that you should not mix up the remedies for each particular financial dilemma, provided you don’t want to make the things worse.

Keeping that in mind, and assuming you are looking to get a short term answer to your financial predicament, then it’s time you should decide on the guaranteed payday loans direct lenders. Same as with the conventional loans, you will have to find a lender that would be able to offer you the best fees and due dates structure, and the lowest interest rates. It’s important that you deal with a direct lender, not a broker, because, eliminating a middle person, will reflect greatly on your finance fees. So, don’t hesitate to ask your potential creditor, if, in fact, you are dealing with a direct lender.

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At Guaranteed Payday Loans we know that  almost everyone will have to take up a guaranteed cash advance loan at one point or another in his or her life. That’s why it is so important that you should be able to find proper guaranteed payday loans direct lenders who can offer you an appropriate interest rate and fees, in addition to a grace period. We have always been maintaining that in guaranteed payday loans business one has to be very well prepared should your personal circumstances not allow you to make your repayments as scheduled. Therefore, we need to discuss this prospect, as most guaranteed payday loans direct lenders will impose very high fees on customers who are unable to pay the loan back on time.

It is highly recommended that your first and foremost option when looking for guaranteed payday loans, or guaranteed bad credit payday loans,  would be dealing with direct payday loan lenders. Because you are going to take up pretty money-wise burdening guaranteed cash advance loans, it would be in your best interest to eradicate any and all uncalled for fees while dealing with the money-lending brokers. Without doubt, you will have to do your due diligence and find a guaranteed payday loans direct lender in your area who would be willing to conduct business with you. If, for any reason, you can’t find a direct money lender, then go ahead and compare the interest rates and fees available at your local broker money-lending agency.

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Has this happened to you too? You have approached numerous creditors looking for guaranteed payday loans and have been repeatedly turned down. Sounds familiar? Are you wondering what the possible alternatives of getting a fast cash payday loan in a very short period of time could be? We suggest you stop looking and turn your full  attention to direct payday loan lenders who can quickly approve you for guaranteed cash loans.

We all know how difficult it is nowadays to maintain a perfect credit rating, even when you do have a well-paid job. There always will be a situation when you will face some unforeseen bills that you need to take care of. And, if you have already obtained some short-term loans through conventional financial institutions, missing a payment or two won’t help you with maintaining that perfect credit score. Now, of course, your credit rating won’t drop suddenly, but still, it can gradually decrease, once you have failed to meet your repayment schedules with your creditors.

If you are in such a situation, and you see your credit score gradually going down below a certain number, or if you have taken up too many conventional loans, you may find it pretty hard to get your next emergency loan. The fact that the conventional financial institutions have a lengthy and painstaking process of approving your application, doesn’t really help too, and therefore, those institutions may not be the best solution for you when you need to get some quick cash in the form of guaranteed payday loans. On the other hand, guaranteed payday loans direct lenders may give you a solution on the spot, as their application process is normally fast, and you won’t need to fill out too many forms to apply for guaranteed cash loans.

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Are you thinking of getting guaranteed payday loans? If you are, this might be because you are currently in some sort of a dire situation and need to borrow some money right away. Most people would consider guaranteed payday loans to help them get through those difficult times. Hopefully, your situation will be resolved, once you have received your next payday check and paid off the money you borrowed together with the interest payment and some additional charges.

Why would anyone need a guaranteed payday loan? It could be you need to borrow some money to address some sort of an urgent medical situation, or to pay for unexpected vehicle repairs, or maybe you need to do some critical renovations on your house. In any case, this normally means you have some bills to pay and you can’t wait until your next payday check. Whatever your personal situation is, you can always rely on guaranteed payday loans.

When applying for a guaranteed payday loan, aka guaranteed faxless payday loans, or guaranteed bad credit payday loans, you won’t be asked to provide any collateral against the borrowed money. All that you will be required to do is to provide your guaranteed payday loans direct lender with details about your employment, your monthly income, bank account and your US citizenship status. Another mandatory requirement is that you should be at least 18 years old.

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Can guaranteed cash advance loans be helpful even when you earn a large monthly salary? The short answer is yes, they certainly can. There always will be a time when some emergency situation would  arise, and you would be strapped for cash. Theoretically speaking, one should never be in a financial crisis, provided that that person knows how to save more and spend less. This is, however, hardly the case for the majority of us. A great way of obtaining some financial help in the time of need is by applying for guaranteed cash advance loans.

Why do people tend to get into dire financial situations? I am sure everybody has a story to tell. It could be that your day job simply doesn’t pay enough to satisfy all your basic needs on a monthly basis. Or, it could be that your salary is actually quite good, but your bills tend to grow bigger too. Or, your income is inconsistent, and some months pay better than others. If you are in one of these situations, then it would be a good idea to consider a guaranteed payday loan.

Certainly, there are also all types of emergency situations that always occur sooner o later in your life that may push you into debt. You could have even done it on purpose – a new house or car can easily create a difficult financial situation for you. This is where guaranteed cash advance loans step in. People apply for guaranteed cash loans to address any of those immediate financial situations. Some people even would get guaranteed cash loans to help out a family member or a friend who is in need of quick cash.

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Did you know that many guaranteed payday loans lenders indeed offer reduced rates or some sort of discounts? It’s actually true, particularly if you’re willing to spend some of your precious time looking for those type of deals. The important thing to know is that those discounts can quickly add up and save you some money down the road. What some of the examples of those discounted guaranteed payday loans would be? For instance, if you’re a new borrower or have never borrowed from this specific lender, then you may be given a 50% off APR. Another example, would be extended repayments for returning customers or preferred clients.

It’s always difficult to be in a position when you are forced to be looking for guaranteed cash advance loans, but you should do everything you can to minimize the impact on your personal financial situation by comparing different guaranteed payday loans direct lenders and shopping around for the best possible discount for your cash advance loan.

Keep in mind that this is a heavily regulated industry in the US, and it’s not so easy for many cash advance lenders to come up with really good discounts. The reductions in price may be offered to attract new customers, and it is always a limited or one-time offer only. But, it’s important that you are aware of these opportunities and take advantage of discounted guaranteed payday loans, should they be available.

You can find guaranteed cash advance loans online even when you have a poor or no credit history – all that you need to do is simply look for them. The guaranteed payday loans lenders offer services that are normally unavailable through your normal financial institution. They conduct their business in a little bit different way, however, they can’t take any payments from you illegally or by force. It’s important that anyone should be able to find guaranteed payday loans, but, it’s even more important that you should find a trustworthy lender that would offer you the most favourable repayment terms. Remember, you are looking for value, when shopping around for guaranteed payday loans.

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