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What to do When You Need Money... Now

If you're like many cash-strapped customers, you need money and you want it as soon as possible. This means when you hit the phone book or the internet, finding comeplete relief (or something close to it) is at the top of your list - but where do you get help? Are there really instant options? How can you tell?

Do Instant Cash Advances Really Exist?

In a word... no. The idea of an instant solution is something cooked up by the short-term loan industry as a method for some companies to try and make their product sound better. A lender needs to remain competitive, and one of the widely accepted truths of the industry is the fact that the clients typically need funds in a hurry. In order to make their own company stand out, a provider might use any number of techniques to make their own products and services stand out - even though all offerings are essentially the same no matter where you get them.

The funds needed to issue these services come from banks, and banks prefer to transfer funds in a batch process rather than on demand because it's less expensive. That means you could apply for a loan and receive the funds just as fast as if you were to apply for a service labeled "fast" by a particular vendor. The instant you send off your application, the information is all processed by comparable means and in the majority of cases the funds are available the next morning after banks batch out and receive all of their credits and debits.

It's a well-known fact that most consumers value the speed of the transaction more than the price associated with short-term borrowing services. Recognizing this, many companies use names like instant, quick, same day and even fast in order to attract customers that would otherwise pass them by. Since most customers don't know what to ask and often times do not read the fine print, some providers are able to capitalize on their customer's desire for an urgent financial relief and charge more even though the product they're selling transfers at the same rate as every other company's.

Can I At Least Get Money the Same Day?

It takes a phenomenal amount of patience to find a lender that is willing to work with you to get the funds you desire within the "same day" timeframe you want. Generally speaking, this is the process you'll want to follow:

  • Research your options by going to search engines such as Google or Bing and typing in the phrase same day cash advance.
  • Most companies will be brokers and not actual lenders so you'll want to look for a company that has the ability to approve same-day transfers (brokers typically cannot do this but there are a few that can, so don't be afraid to call them up and ask).
  • When you call your lender, ask them if they have the ability to authorize same day transfers and, if so, what that process entails. It will be different for every company, but the most important thing to ask about is the price so you'll know whether or not you're willing to pay for the added convenience.
  • Depending on your banking institution, the funds might be received the same day if all works out well with the provider but they won't be available the same day unless a banking agent authorizes the release of the funds into your available balance. Call up your banker and make sure they can do this before you attempt to spend the money you've received.

If you have additional questions your bank is probably the best source for information, since they will know more about their own internal processes and what is required in order to make this transaction happen as quickly and smoothly as possible.

A Word of Caution

If you're like most people, urgency is usually associated with panic, which means in this situation you need money and you need it yesterday. It's a well-known fact that urgency can make people jump to conclusions, choose poor alternatives, or even bypass the research process altogether. Do not let a situation's apparent urgency force you into making a long-term mistake for temporary relief!

The presence of "deals", "offers", "giveaways" and other promotional tricks are used to create the desire for urgent action in any consumer - and it's not limited to short-term lenders. Any sort of business knows that tricking you into acting now will cause you to consider your alternatives less, which puts their product or service at an advantage since it's the one in front of you right when you need it the most. As far as lending services are concerned, the demand for a fast approval is the same as any other alternative - the difference being that the company marketing the product might try to increase the fees that come with the offering since you require it right away and there's a strong chance you'll do less research before committing to the service and the fees that come with it.

The moral of this site's story is that short-term borrowing services are just that... short-term! An urgent lending option is no exception to this rule, so there's really no need to classify it any other way from a vendor's perspective unless they're trying to pull a fast one on you. Check, double-check, and triple-check any company that claims to offer products that sound like instant financial relief. There's usually a price associated with the "speed" an advance is issued, though truthfully unsecured lending services of any sort are run with the same speed and credentials. Don't let the urge for quick money fool you, or you could end up paying a hefty price.

Additional Considerations

Some companies capitalize on your perceived immediate need for funds in order to lessen the time you spend researching alternatives and, in doing so, stick you with fees and other hidden costs because you didn't take a deep breath and check out the fine print. If you're like a lot of people, some of your biggest mistakes were made when you didn't take a minute to stop and think about what you were doing, and applying for a short-term lending service of any sort is no exception. Don't be fooled by outlandish - the words that come before "cash advance" often carry with them a price, so be sure you know what you're getting into before you commit to anything.

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