Unplanned expenses can be stressful, but they don’t have to be with Fast Payday Loans, Inc. in Jacksonville, Florida. Here, you can apply for a quick cash advance when you find yourself with unexpected bills to pay without the cash to pay them.
In this guide, you’ll learn about the most common unplanned expenses that people deal with these days. Then, you’ll discover how a cash advance can help you with those expenses and how to get approved for emergency cash today.
What Are The Most Common Emergency Expenses?
Unplanned expenses are exactly that: unplanned. You can’t predict when expenses will hit, but you can prepare by knowing the most common types. Preparing an emergency fund can help ensure you can afford unexpected, potentially expensive emergencies.
Here are some common emergency expenses:
- Repairs: Probably the most common surprise expense that people find themselves having to pay for is a sudden repair. For example, your car might break down and need new parts, or your household might need roof repairs to live there.
- Medical: Another unfortunate expense that you might find yourself paying for is a medical bill. People fall sick and get hurt all the time, and there’s no way to know when that might happen. Sadly, anything your insurance won’t cover becomes a bill you must pay.
- Funeral costs: Families also find themselves in a position where they have to pay for a relative’s funeral costs. These unplanned expenses aren’t just financially heavy; they also carry an emotional burden.
- Urgent travel: If you live far away from your family, you might also have to pay for urgent travel to be with them during a crisis. You will have to pay for plane tickets, a rental car, and room and board.
- Overdue bills: If you lose your job or miss work due to injury or illness, you may not be able to afford your bills, including rent, mortgage, car payments, or student loans. This can lower your credit score and lead to late fees, which is why it’s important to seek payday loans to get fast cash today.
If you experience one of these urgent expenses, a quick payday loan can help you get the money you need to afford them before they're due.
4 Reasons To Choose Payday Loans For Emergency Expenses
A cash advance, also known as a cash advance, allows you to borrow money from a future paycheck. You can borrow up to $1,000, with your loan amount depending on your income level and ability to repay the loan with your next paycheck. The fact approval makes it an appealing option when faced with unexpected expenses.
The following are four reasons to choose a Jacksonville cash advance for unexpected emergencies:
1. Simple Requirements
Fast approval is a major benefit of cash advances, as those facing urgent expenses likely need cash fast. You won’t have to worry about a long process with tons of requirements when going for a cash advance in Florida.
With Fast Payday Loans, Inc., we only require a few items to prove your identity, age, checking account, and income. As long as you’re over 18 with income and a checking account, you have a good chance of getting approved.
Here are the required items for a cash advance in Jacksonville:
- A driver’s license or state-issued photo ID that displays your full name and date of birth
- Your most recent paystub to prove your income
- A checking account
As long as you have these items, you can proceed with our fast, efficient approval process.
2. Quick Approval Process
You won’t have to wait weeks to get approved for a cash advance; you can get same-day approval for a payday loan. You can begin the process online, but you will have to finish it in person to have your requirements verified. Thankfully, the in-person process only takes 30 minutes.
The following is the approval process for quick cash advances:
- Fill out our online form with your basic details (name, zip code, email address, and phone number)
- Answer our phone call to discuss cash advance terms
- Gather your required items and head to the nearest Florida store for verification
- If approved, sign the loan agreement to finish the process
- Receive your cash advance later the same day or by the next business day
Same-day payday loans let you handle your financial emergency without incurring late fees or reduced credit. Speaking of credit, borrowing a cash advance will have no impact on your score.
3. All Credit Types Are Accepted
As you can tell from the requirements we mentioned above, good credit is not required for a cash advance. That’s because it’s a short-term, small-value loan based on your ability to repay the loan with your next paycheck. You can get approved with a score less than 500, making it accessible to a wider range of borrowers.
Borrowing a payday loan in Jacksonville also won’t affect your score. We don’t conduct hard credit inquiries, so your score won’t go down. We also do not report our loans to the major credit bureaus, so you can borrow without worrying about adding a new credit account.
On top of your credit not getting affected, you also won’t have to worry about a long, drawn-out repayment process with a cash advance.
4. Easy Repayment
Unlike traditional bank loans, which may take weeks to repay, you can repay a cash advance with your next paycheck. The small value of payday loans makes it easier to repay them. You can use your next paycheck to clear the debt right away and move on with your life quickly.
Just remember, these loans do collect interest, so you will have to pay more than what you borrow. If you feel you won’t be able to handle this fast repayment, consider borrowing less money or seeking alternatives with longer repayment processes.
FAQs About Cash Advances
Can you get approved from your home?
While you can start the process online, you will have to visit one of our Florida store locations to have your requirements verified. Thankfully, we have 21 branches across Florida, and our friendly loan reps will help you get approved in less than 30 minutes.
Can you get approved for a payday loan with a new job?
As long as you have worked at your job long enough to get a paycheck, you can receive approval for a cash advance. You will need to use your most recent pay stub to get approved. Get qualified for a payday loan with a new job today.
Are alternative sources of income accepted?
Nontraditional income may be accepted, but it depends on the store. Each of our branches has its own rules about alternative income. Call ahead of time to see if they will accept your income.
Get A Cash Advance For Emergency Expenses – Receive Up To $1,000 Today!
When emergency expenses arise, Fast Payday Loans, Inc. can help with a cash advance. Whether you live in Jacksonville, Miami, or Tallahassee, we have a store location and a friendly loan associate who can guide you through the process.
Need fast help with surprise bills? Start your Florida cash advance application today with our online form and get support when you need it most. Visit us in person to get approved in 30 minutes!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
