National Payday

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Why Use A Cash Advance?

A cash advance is a great option for people who are in need of cash fast. At National Payday, the loan application is quick, easy, and confidential. Once approved, you will receive your cash advance by the next business day. No matter what you need the money for, National Payday is there to help. National Payday is a no-fax, no credit check payday loan lending company that is available to anyone who meets their requirements.

National Payday Ratings 12 Customer Reviews
Customer Service:		2.7 out of 5
Cost of Loan:		3 out of 5
Funded in Time:		3.25 out of 5
Would Use Again:		3.25 out of 5

A cash advance is a great option for many people. There are no credit checks, so you are approved even if you have bad credit or no credit at all. There is also hardly any waiting period. You will have your money quickly, deposited straight into your bank account for your convenience. Since many people cannot get a bank loan, a cash advance is the best option available when money is tight. The fees of a cash advance are many times less than the late charges or shut-off fees of a bill that must be paid. A cash advance from National Payday is a great idea to pay off your bills or use for whatever emergency arises.

What Is A Cash Advance?

Getting a cash advance, also called a payday loan, is usually a process that can be received by most working persons who apply. A loan is given out from a cash advance company in various amounts, usually from $100 to $1000, depending on how much an individual is qualified for. This amount must be repaid by the person's next payday, usually around 14 days later. A finance fee, or APR, is also charged for other convenience of the loan, and this amount varies from company to company. Usually, it is between $10 and $30 for every $100 borrowed.

At National Payday, your first loan is free of finance charges. You may borrow between $100 and $400 the first time you receive a loan. After the first loan is repaid, you may then borrow an amount up to $1000, providing that you meet the qualifications of getting a higher loan. The finance fees for getting a payday loan are 25% of whatever the amount is borrowed. This means, that on a loan for $200, you must be prepared to have $250 debited from your account on payday. At National Payday, business is conducted via the Internet from their website at www.nationalpayday.com or by the phone. Customers can enjoy a hassle-free loan application from the comfort of their home.

Application For A Cash Advance

When you apply online for a cash advance at National Payday, the application process is one of the most simple that there is. You will need to have a steady job that brings in at least $1000 a month, and you will need to have your employer's information and phone numbers readily available, so this can be verified. You must have an open checking account that is in good standing, meaning that there should be no bounced checks, so it cannot be overdrawn. To receive a cash advance with National Payday, you must not have more than one other cash advance open with another lending company. You will also need to provide personal information, such as your name, telephone number, and social security.

With National Payday, you will know in minutes whether you have been approved or denied for your payday loan. Once you are approved, the cash that you are receiving will be deposited from the company into your checking account within 24 hours, which is generally the next business day. You will have until your next payday to repay the loan. When it is due, National Payday will pull the money out directly from your account, plus the fees for the loan. Since this is done online and automatically, there is nothing you need to do. Customers of National Payday do not have to ever leave their house to enjoy a cash advance loan.

The loan is due on the next date of your payday, and no longer than 16 days. If you apply for a cash advance loan, and your next payday is only 5 days or less away, then National Payday will extend your loan automatically, so you will not be required to pay it until your next pay period.

Repayment Options

Some people may need to extend their payday loan for another payment period. With National Payday, this is not a problem. When your payment becomes due, you will have the option of rolling over your loan until the next pay period. However, you will be required to pay the finance fee of the loan, as well as a second finance fee on the rollover amount. For those who are paid only once a month, National Payday does require a payment in full.

If the loan you have taken out is not your first, then you have the option of making a partial payment. The minimum payment on a loan is $25. You can make this or more. It is important to remember that making a partial payment must be authorized before the date of your payment promise. A payment request has to be into the company by 2:00 PM, Eastern Standard Time, the day before your payment is due. Remember, National Payday does not consider Saturday and Sunday as business days. As long as the request is submitted properly and on time, you will be eligible for a partial payment plan.

A cash advance loan is intended to be a short-term solution for a financial problem. It should not be used for an extended period, as the interest rates can add up over time. It is highly recommended to pay off a cash advance as quickly as possible.

Additional Information

At National Payday, it is easy to manage your account and repay your loan. Simply visit the website at www.nationalpayday.com and click on the "Pay on Current Loan" tab. Follow the steps to request an extension, pay the loan off, make a minimum payment, or pay another amount above the minimum. You may also log in and change your banking information by downloading a form on the website. Once this form is filled out, it may be faxed into National Payday, along with a voided check from the new bank account and a copy of the most recent banking statement.

National Payday can be found at their website, www.nationalpayday.com. However, if you would rather speak to a customer service agent, you can call the toll-free number at 1-877-778-8006. National Payday has been in business since 2000, and is a direct lender. They are safe, reliable, and confidential.