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  1. 1. If you have to get a pay day loan most cashadvance companies will tell you that you need achecking account. And when you get a payday loan most payday advance companies will say you have to pay them back within the next two weeks.Payday Loans
  2. 2. However, there are a number of ways you can get the cash youneed, even without having a checking account And theres a way toget up to 100 days to repay your loan once you get your money Thefirst way you can borrow money is by going to your local payday loancompany The vast majority of them will lend you cash before youwalk out the door You might have to wait on line a little while Butyou should be able to get the cash you need to deal with the financialemergency that you need to take care of Theres another, easierway for you to get a payday loan, though And theres a secret togetting it that most people dont know
  3. 3. - The secret to getting money without a checking account is openingup a savings account and then going online and applying for a loanThe reason this works is that more and more online cash advancecompanies are now offering loans to people who dont have achecking account if they have only a savings account Why Do YouNeed Any Bank Account at All to Get an Online Pay Day CashAdvance? The reason that you need a bank account is that pay dayloan companies will electronically wire the cash that you borrowdirectly to your bank account Currently thats the only way you canget your money from them So you will need some type of bankaccount And when the time comes Payday Loans to repay your loanthey will debit the money that you borrowed from them - plus feesand interest - from the same bank account How to Get More than 14Days to Repay the Loan Payday loans are called payday loansbecause the cash advance companies that offer this type of serviceexpect their customers to repay them out of their next paycheck Sothey offer people up to 14 days to pay back their loans
  4. 4. Fourteen days is not a heck of a lot of time And it seems to comearound rather quickly There are a number of payday loancompanies that now offer their customers up to 100 days to repaythe money they borrow Of course you will still have to pay interestfor the time you have the money, but you can get have up to 7 timesas long to repay your loan with these companies Loan ApplicationsAre Quick and Easy It only takes ten to fifteen minutes for mostpeople to fill out an online loan application Then, depending on thecompany, it takes anywhere from one hour to twenty-four hours foryou to get the money As soon as the money is in your savingsaccount (or checking account - if you have one) you can immediatelywithdraw it If you have a savings account , if you want, you will beable to use the debit card that the bank gives you when you openyour account to get your money
  5. 5. - Online payday loan companies dont care if your credit is good orbad Their main interest is if you earn enough to repay their loansThe loan applications are pretty basic They even look more likequestionnaires than applications Basically, they ask for your name,address, where you bank, and where you work How Can You FindPayday Loan Companies that Offer Long Payback Periods? Youmay have to do a bit of searching on the Internet in order to find apay day loan company that offers both no checking account paydayloans and 100 days to pay them back
  6. 6. Thats because some companies offer loans only to people withchecking accounts and even fewer offer people more than 14 days torepay their loans However, if you really need the cash and have asavings account you will find plenty of companies on the world-wide-web that could help you Remember, though, that the interestrates that any payday loan company charges is often a lot higherthan what most banks and other more traditional lending institutionscharge For that reason alone most people will only get a paydayloan when a real emergency arises And even then, many of themwill first compare the rates at a number of different cash advancecompanies before they apply for their loan This way they will be ableto get the lowest rates
  7. 7. Payday Loans