It does not take much to throw you into a financial panic. Maybe you have an unexpected car repair or the washer breaks down. Perhaps you need to replace a window or 2 in your home.

Although you may have some money set aside in your savings, it may not be enough. First thing is to not panic! You have options that you can take advantage of to help you through the unexpected.

Let’s take a look at 7 common reasons why you might want to consider a cash advance.

1. You can apply online

With the internet, it is very convenient for you to apply for a check advance online. This is a very convenient way for you to apply for a cash advance loan from the privacy of your house.

2. Easy to qualify

If you are in need of emergency money, you need the money quickly. A cash advance loan is quick and easy to qualify for since you just need to show you have the income. This makes the decision very speedy.

3. No restrictions

Some types of loans come with usage restrictions. This does not apply to a cash advance loan. You have the freedom to use the loan for whatever you wish.

4. Short term loans

Generally speaking, cash advance loans are short term loans. You should be able to pay it back with your next paycheck. This helps you to get through your emergency with little disruption to your everyday life.

5. Fast access to cash

The decision on a cash advance loan is made quickly. Often times the loan can be deposited to your account within an hour. This quick turnaround ensures you have the money you need when you need it.

6. Regulated fees

It is important to note that many states regulate the fees and interest rates that can be a factor with cash advance loans. This is for your protection as a consumer. For your peace of mind, you should check your state’s regulations.

7. You don’t need collateral

Since you are taking a cash advance loan, you do not need collateral. This is a nice factor if you are starting out or in the thick of an emergency. It also does not take your credit score into consideration.


It is very easy to be blindsided by an emergency. Even though you save money, it may not be enough to cover your unexpected expense. This happens to many people.

Take comfort in knowing that you do have options and ways to get a loan very quickly. Cash advance loans are a great option in this case. They will help you when needed and you will be back on your feet before you know it.

It does not matter what your credit score is or how much collateral you have. If you have a job and a paycheck you can easily qualify for a cash loan.

Note: Please remember cash advances can be damaging to your finances. Always remember to read over the fine print carefully and make certain you review and understand all of the details before signing. These types of loans should only used as a last resort for those who have exhausted all other options.