Having a bank account doesn't guarantee access to other banking products like loans, and you may wonder, "Can I get quick cash loans with a bank account near me?" The answer is yes, but you may need to look further than your bank.

We here at Fast Payday Loans, Inc. offer payday loans to help in times of urgent need. Keep reading to discover what makes our payday loans unique and how you can start the process to get one today.

The Steps To Getting Quick Cash Loans With A Bank Account Near You

The Problem With Bank Loans

It's a good move to have a bank account for many reasons. It can help you develop a relationship with a financial institution that can open some financial doors. However, banks have many other eligibility requirements for those seeking loans.

Strict Requirements

Financial institutions are much stricter than they were in the past. Those seeking loans from a bank typically need a 600 or better FICO score. You also should show that you have a good bank balance regularly with no overdrafts or other problems. That isn't easy today, with many living paychecks to paycheck.

Amount

Another roadblock to getting a bank loan is the amount. Most banks feel that issuing small loans wastes time because they need to make more interest on them. The majority of bank loans start at $1,000.

You may need a couple hundred in quick payday cash to meet an emergency expense until the next payday.

Time

A third problem with banks is time. It can take two weeks to get approved for even a small loan, and, for many people, that is two weeks too late in an emergency.

Many people, even those with bank accounts, can only get approved for a personal loan if they've been bank customers for years. They may have needed to be on the job longer, could have no credit or bad credit, or the bank headquarters is located out of the state, and decisions are made there instead of by the bankers who know you.

Credit Score

Also, a bank will automatically check your credit when you apply for a loan. That could be bad because a hard credit check will push your FICO score even lower, even if you aren't approved.

This puts many hard-working people in a tight spot when they need a car repaired or have a medical need like refilling medications. Those types of things can only be put off on payday.

What Other Options Are Available?

If you’re still asking, "Can I get quick cash loans with a bank account near me?" you’ll be glad to know that some private companies offer quick payday cash for those with bank accounts, which can help when something unexpected happens. This is a way to put your bank account to good use, get your cash fast, and avoid a lot of unnecessary paperwork.

Meet Fast Payday Loans, Inc.

At Fast Payday Loans, Inc., we offer payday loans from $100 to $1,000 for borrowers asking, “Can I get quick cash loans with a bank account near me?” Unlike traditional banks, our payday loan process is quick and easy. You will need three things to apply for a payday loan:

• Your most recent pay stub
• A picture identification such as a driver's license or government ID
• A blank check from an active checking account in your name. You must be at least 18 to apply.

With Fast Payday Loans, Inc., you can apply in-store or over the phone. Either way, our process is quick and easy.  

1. Start by filling out our inquiry form online.
2. After you submit the form, a loan representative from a nearby store will call you.
3. You can bring your required documents into a store to complete an application or submit the information to the representative over the phone.
4. The loan representative will validate your documents to determine if you are eligible and how much of a loan can be offered.

One of the best things about Fast Payday Loans, Inc. is that our payday loan process can be completed in as little as a half-hour. You deal directly with a loan officer, so you won't be left hanging waiting for a decision from corporate.

Another plus is that we release your quick payday cash either that day or the next business day once approved. The money is deposited directly into your bank account. Your bank account also gives you some power to get cash for an emergency.

Those with no credit or bad credit can still apply because we utilize your job and pay to determine your eligibility. Your credit score has no impact on whether you qualify for a payday loan with us.

Fill Out Our Online Form Today!

Filling out an inquiry form doesn't obligate you to a loan nor allow Fast Payday Loans, Inc. of Florida to do a credit check. It only enables you to talk to a loan representative about this option.

Those who wonder about quick cash loans with bank account near me can stop wondering and get all their questions answered by our loan representative. We're here to help. Fill out our online inquiry form today!

 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.