When it’s still weeks until payday and an unexpected expense leaves you desperate for cash, EZ Money has the financial resources you need to stay afloat. Also known as paycheck advances or payday loans, our cash advance services could be the solution to your short-term loan needs. From unanticipated travel expenses to major car repairs to emergency medical bills, a cash advance from EZ Money Check Cashing is a simple way to get back on your feet between paychecks-no credit, bad credit, or good credit!
Ready to secure your fast cash loan? Fill out our simple application process today for an installment or payday loan and get pre-approval within seconds! You’ll have your hands on the cash you need in as little as the same day or by the next business day.
What is a Cash Advance?
A cash loan or cash advance is a short-term loan intended to get you by until your next paycheck and cover unexpected expenses or larger-than-expected bills when they come up. Depending on the type of cash advance you get, you’ll either repay your loan in one lump sum or in monthly installments. Although cash advances typically come at a higher interest rate, taking out a cash advance does not directly impact your credit score and gives you the ability to pay bills on time and not have to worry about late fees.
There are a few different types of cash advances that you can apply for, and each type comes with its own terms and conditions.
Payday loans are designed to help bridge the gap between paychecks, offering you a set amount of cash to cover an emergency situation or unexpected expense. Although it depends on your payday lender, they are typically required to be paid back with your next paycheck.
Similar to payday loans in the fact that they are short-term loans, installment loans can be broken down into scheduled monthly payments over a longer period of time. These types of cash advances are better if you need a larger amount of money.
At EZ Money Check Cashing, we offer payday loans and installment loans to get you back on your feet with competitive interest rates. Our number one goal is to help you get out of your financial bind, so we’ll work with you to get you where you need to be.
How does a cash advance work?
Cash advance loans are pretty straightforward. First, you’ll go through a simple application process. Your application will ask for some personal information, such as your income and your social security number, which will help determine how much money you are able to borrow. Typically, your loan amount will be determined by where you live as well as your net income. At EZ Money Check Cashing, our team will walk you through each step of the application process, ensuring you feel empowered to make an informed decision when it comes time to apply for your loan. Fees for a cash advance vary depending on which state you live in-our staff is familiar with different state regulations and will help explain the fees and the interest rate you can expect. We can also take a look at your income and state regulations to help you determine how much you are able to borrow.
We understand that you’re in an urgent situation, so our team works fast to ensure you get your cash advance quickly and easily.
How Do You Get a Cash Advance with EZ Money Check Cashing?
Our team at EZ Money Check Cashing makes the process simple for you. In most cases, we can approve your cash advance the same day you apply and send you on your way with cash in your pocket.
You’ll get the personalized attention you deserve with quick and friendly service that meets your needs. Our application process is simple and our team is here to make sure you understand and are comfortable with every step.
Can you go to jail for not paying back a payday loan?
Absolutely not! United States law makes it very clear that debtors cannot be jailed for failing to pay a debt. Imprisonment for debt is expressly forbidden in the U.S. Constitution. But more so, that’s not the business we’re in here at EZ Money Check Cashing. We work hand-in-hand with you to make sure your loan repayment plan is something that will work with you, not against you.
- Valid identification
- Personal information like phone number, address, and email address
- Income information including pay frequency, net pay, and gross pay
- An open and active checking account
We’re here to help make this easy. We currently offer cash advances in North Dakota, Nebraska, Iowa, and Missouri. If you have any questions about our payday loans or questions about our online application, please contact us today.
Fast, Friendly Service – Apply Online Today!
Payday advances are typically for two-to four-week terms. Some borrowers, however, use payday advances for several months, which can be expensive. High-interest loans such Tennessee payday loans Oakland TN as Payday Advances should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
Approval depends upon meeting legal, regulatory and underwriting requirements. EZ Money and third party lenders may, at their discretion, verify application information by using national databases, including but not limited to Lexis Nexis, that may provide information from one or more national credit bureaus, and EZ Money may take that into consideration in the approval process.
Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. Actual loan amounts vary. EZ Money is currently operating in: Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Montana, Nebraska, and North Dakota.
For specific rate and term information in each state you can click on the above link for the specific state of your choice.
EZ Money is licensed by the Iowa Division of Banking under Iowa Code, Chapter 533D. EZ Money and are licensed by the Missouri Division of Finance under Missouri CSR .1 and . EZ Money and is licensed by the North Dakota Division of Finance under North Dakota Century Code Chapter 13-08. EZ Money is licensed by the Michigan Department of Insurance and Financial Services under the Deferred Presentment Service Transactions Act (DPSTA), 2005 PA 244, MCL . is licensed by the Kansas Office of the State Bank Commissioner, Consumer and Mortgage Lending Division under Chapter 16a of the Consumer Credit Code.
Payday Advances are also commonly referred to as Cash Advances, Payday Loans, Post-Dated Checks, Delayed Deposit Loans, and Deferred Deposit Loans.
CC Connect Installment Loans are provided by CC Connect, a division of Capital Community Bank, a Utah Chartered Bank, located in Provo, Utah, Member FDIC. Loan accounts are serviced by Total Loan Services, LLC, an authorized servicer of CC Connect.