When you choose EZ Cash Advance Loans to provide you with your
loan, you will not have to worry about
your past financial mistakes holding you back from accessing the money you need
to move forward.
Whether your credit is good, bad, or non-existent you will be approved as long as
you meet our minimal requirements. Your loan will be automatically deducted from
your account upon your next payday so you will not have anything further to worry
about. If you need extra time repaying your loan, contact your lender representative
prior to your loan due date and they will be happy
to work out a new payment plan with you.
If you've ever tried to apply for a small loan with other lending institutions,
you know the process can be painful. Once you have jumped through their many hoops
and completed stacks of forms, then you wait days or weeks to find out whether you
Meanwhile, your bills continue to mount.
With our payday loan program, the entire process - application, review and electronic
money transfer -- will take about 24 hours.
That's it! Really. We know you need money fast. We are in the business of solving
your problems; not adding to your frustrations.
Payday loans unburden you of the time crunch until your next pay day so you are
able to stay financially on track. Our express loans cover your unexpected costs
so you can sidestep late fees, overdraft charges, and unnecessary hassle.
Once you submit your application, our system quickly reviews your information so
you can access the cash you need on the same day you need it. Our secure system review
your information and quickly match you with a payday lender that is best suited
for your needs. Within moments, you will
receive a notification of approval and a customer service representative from your
payday lender will contact you. In some instances, customers have been able to access
and spend their loan within less than 24 hours of applying.
To qualify you must be:
• A US Citizen
• 18 years of age or older
• Currently employed or receive regular income
• Earn a steady income
• Have a valid checking or savings account with direct deposit
Your personal security is one of our top priorities. Since there is no need to fax
information to unknown receivers, EZ Cash Advance Loans ensures
your information is kept private and used solely to obtain your personal loan.
Apply now and see just how smooth and quick our payday loan program works.
The loans provided by the participating lenders in our network are short term loans,
which are designed to provide cash to you to be repaid within a short amount of
time. These types of loans are not a solution if you are facing long term debt and
credit difficulties, and should not be used on a long-term basis. You should only
borrow an amount that can be repaid on your next pay period date.
Representative APR Range - EZ Cash Advance Loans is not a lender and does
not provide short-term loans but refers consumers to lenders who may provide such
loans. EZ Cash Advance Loans is unable to supply you with an exact APR (Annual Percentage
Rate) that you will be charged if you are approved for a loan. APRs vary according
to the information supplied by you in your loan request and your lender. You will
be given the APR, loan fees, and other terms by your lender when you are redirected
to your loan agreement in the loan request process. We are not the lender and do
not have access to the full terms of your loan.
The Annual Percentage Rate is the rate at which your loan accrues interest. It is
based upon the amount of your loan, cost of the loan, term of the loan, repayment
amounts and timing of payments and payoff. APR. By law, the lender must show you
the APR before you enter into the loan. Many states have laws limiting the APR that
the lender can charge you. APRs vary from 390% to 1960%. Loans from a state which
has no limiting laws, or loans from a bank not governed by state laws may have an
even higher APR. Please be sure your lender gives you the APR along with the other
terms of your loan before you sign their agreement.
Implications of Non-Payment and other Considerations - Each lender has its
own criteria and policy when it comes to late payments. This may include additional
fees and interest and may result in reports to the three major credit reporting
bureaus causing your credit score to be lowered. Before you agree to a loan be sure
you read and understand the implications of making late payments. Also, each state
has rules and regulations in place that payday lenders must follow when assessing
fees for late payments.
Implications of Non-Payment, Late Payment or Partial Payment - When you accept
the terms and conditions for a loan offer, you are agreeing to pay back the loan
principal and finance charges in the amount of time shown in the documents supplied
by your lender. Additional fees or charges by your lender may apply in the event
that you are unable to repay your loan in full or if you make a late payment. EZ
Cash Advance Loans cannot predict the amount of the fees or charges that you will
incur as a result of non-payment, late payment, or partial payment. Payday Loans
Solution has no control of knowledge of the loan details between you and your lender.
Please refer to the late payment, partial payment, and non-payment policies detailed
in the loan documents provided by your lender. EZ Cash Advance Loans does make an
effort to work only with reputable lenders dedicated to pursuing collections of
past due accounts in a fair and reasonable manner.
Collection practices - If you do not make the payments on your loan you may
be responsible for additional fees and interest and collection costs as well as
negative credit reporting. Lenders are required by Federal and State law to use
fair practices in their collection actions for a loan that has not been repaid.
You are protected by the Fair Debt Collections Act, which includes limitation on
how a lender may collect an unpaid balance.
We are not a lender. Only your lender can provide you with information about your
specific loan terms, including the APR, renewal, payments and implications for nonpayment
or skipped payments.
Fees and Interest - If approved for a loan, your lender will present you
with the exact fees and interest rate of your loan prior to your acceptance of the
loan. EZ Cash Advance Loans is not a lender and cannot predict the exact fees and
interest of the loan option presented to you. You are under no obligation to accept
the terms presented to you by the lender.
Credit Implications - EZ Cash Advance Loans does not make credit decisions
nor does EZ Cash Advance Loans conduct a credit inquiry on consumers. Some lenders
on the EZ Cash Advance Loans network may conduct a non-traditional credit check
in order to determine your eligibility for a loan. Lenders typically do not conduct
a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax.
Ultimately, your credit score may or may not be affected by the actions of a particular
lender. If you do not repay your loan on time your lender may report this delinquency
to one or more credit bureaus, which could have a negative impact on your credit
Renewal Policy - Each participating lender has their own renewal policy.
Some participating lenders will automatically renew your loans or will require your
permission to renew your loan. Some participating lenders will not renew your loan.
It is important for you to understand that extending the repayment period for a
loan may result in additional interest, as well as other fees, which can greatly
increase the total amount you pay back on a loan. Be sure to check if your lender
automatically renews loans or requires your permission to renew the loan. State
laws often govern loan renewal policies. Be sure to know your state's policies in
regard to loan renewal and carefully read the lender's terms before agreeing to
and submitting your e-signature.