With the New Year upon us and Christmas bills starting to pile up, countless Americans are wondering how they will pay the bills and cover the taxes due in April. Payday loans are one solution to individuals feeling the crunch of bills and taxes. A cash advance will enable you to pay those bills and take care of impending circumstances without over-extending your credit cards or racking up non-sufficient fund fees. This source of fast cash is used by many Americans to eliminate the long-term high cost of credit card interest rates while providing an instant cash solution for their pressing needs.

Why would you consider a payday loan? That is the question many American workers ask when they are looking for a solution to their bills, and unfortunately, those working class individuals without pristine credit are shut out of traditional options like low interest rate credit cards and home equity lines. The payday cash loan has become a practical option for individuals experiencing a financial emergency.

To meet the requirements for a payday loan, most cash advance services require you to meet a few qualifications. First, you need to be at least 18 years of age and a United States citizen. Second, you need to have a job or be able to show that you receive some kind of regular income, which brings in at least $1000 each month. Third, you must have a checking account (a few will qualify you with a savings account) to finalize the transaction. Some companies will include additional requirements, but these are the most common prerequisites to obtain a payday advance. If you meet these conditions, you generally have to fill out the company