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Most of the people are generally short of cash and hence need some extra money to pay their emergency dues immediately. Such people apply for payday loans to make payments in cases of emergencies like medical expenses, car repairs etc. or they want some money aside in case if any emergency arises. Thus, if the problem is genuine and they cannot make the payments for the same, cash advance are of great help. However to be eligible for cash advance it is essential that there is an emergency problem where a person just cannot wait for his next paycheck holding an active savings account or checking account. Also a person applying for cash advance should not be a minor. He should have a legitimate job for which he is paid monthly salary regularly. It does not matter if you have a bad credit too.

You will find that there are certain payday loan companies who check the credits of the person as well as his or her financed and debts. But there are some companies which do not bother to see your credit score either. The procedure to apply for cash advance is same for both the companies. You can either fill up an online loan application form or apply through telephone or whatever facility the company offers. Such companies offering cash advance directly are termed as payday loan direct companies. Thus, they operate directly. They approve your application and instantly qualify for the loan amount. Finally, they deposit the desired amount of cash in the applicants savings or checking account within 2 working days. They do not depend on other companies for approval or credit checks.

There are several indirect lenders too. Here cash advance indirect lenders work opposite to that of payday direct companies. The indirect lenders process your application by finding a payday lender to fulfill your money requirements. They provide you a list of four to five companies who are interested in your proposal. You need to call them to apply for cash advance. You need to wait to qualify for the loan. And if you are not eligible for the loan you applied with this company, you need to start the entire process all over again. Thus, this is quite time-consuming process to apply for loans with payday loan indirect lenders.

You will find several payday loan direct lenders nearby your area or online. You will get an idea about their demands, their eligibility requirements and whether they check credit score to approve your application. You can choose a direct company that processes your loan amount smoothly and quickly. However, you must remember that direct lenders may charge you high interest rate of the amount you borrow. So you need to clarify all your doubts before you actually apply for a loan from any payday loan direct company. You can compare the interest rate charged by several payday loan direct companies and choose one that you find the best option. But do keep in mind that you select a reliable direct company.