What’s a Holiday Cash Advance?
When the new school year starts, and the days get cooler and darkness comes earlier in the evening, we know that winter is coming and with it “Holiday Season”! A string of holidays in a row, starting with Halloween and running through New Years, all of which carry with them specific traditions and expenses. A holiday cash advance is a way to borrow ahead from your next paycheck or two so you’ll have the cash you need to spend now on holiday celebration plans and expenses.
How Does a Holiday Cash Advance Work?
The first step is to fill out the simple online application form. From there your information will be passed to the holiday cash advance lenders who will make a determination regarding whether you can be approved and for how much. They will then provide the information you need such as the interest rate and amount, and any other terms and conditions. If you like the offer you can use the electronic signature provided to sign the Agreement form, after which time the lender will deposit your money into your own bank account by the end of business that day.
Do I Need Good Credit to be Approved?
In short, no. There are millions of Americans living with bad credit, often due to circumstances beyond their control – victims of the economy – and the lenders who work with holiday cash advances don’t believe that this should prevent hard working people from accessing extra cash when it’s most needed.
Do I Need Credit References or Financial Statements?
Again no – the lenders want to make things as easy for you as possible. There are no prior year tax returns required, no collateral, no financial statements or long lists of creditors or monthly expenses to justify the repayment you can reasonably make and how much you are qualified to borrow.
Can I Use the Money for Holiday Expenses Only?
You can spend it on anything you need! Maybe you want to buy gifts, taking advantage of sales that will be over by the time you next get paid, or want to participate in the early-morning Black Friday experience with a group of friends or family. Maybe your work hours have been shorter than usual and you need some help paying the bills on time or buying groceries, or an unexpected bill or repair is what you need the cash for the most. Use your holiday cash advance for whatever you need most!
How Fast Can I Get the Cash From a Holiday Cash Advance?
Our lenders deposit your funds by the end of the business day whenever possible, but a lot depends on the time of day you apply. Funds will usually be available by the morning of the next business day if you apply early enough for the deposit to be received before your bank’s cutoff time.
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