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If you’re in the market for a new car but have a strict spending limit, you might be wondering if it’s worth it to go for a cash purchase. While you might be able to find a suitable vehicle at a good price if you pay in cash, you’re probably better off taking out a loan to buy it. At least, that’s the opinion of one financial journalist, who explains what you may want to know about the pros and cons of direct deposit loans in minutes.
Let’s discuss the perks first: According to NerdWallet, taking out a direct deposit loan for a vehicle is a good idea because it makes the car buying process easier and less tedious. The site says that you can start driving the car you want after you make a $100 deposit, which is typically the equivalent of about three months of vehicle payments. That’s not bad!
NerdWallet points out that taking out a car loan means you have immediate access to the funds you need, which can be a big relief if you’ve been tight on cash flow. The amount you can borrow is generally determined by how high your credit score is, so if you need a new vehicle but haven’t tried to rebuild your credit score yet, it may not be the best option for you.
Now on to the bad stuff: As good as the perks are, they come with some serious cons that you need to be aware of. First, and most importantly, as was mentioned by NerdWallet, taking out a car loan means you’re committing to making three payments a month, plus interest. If the thought of that scares you and makes you want to put the car back on the market sooner than planned, then this isn’t the best option for you. Also, if you’re planning on cosigning for the loan, be aware that doing so also makes you liable for the debt. Finally, the interest payments you’ll have to make if you do decide to take out a loan will add up quick and can really stack up your finances.
If you’re in need of some quick cash, you have multiple options available to you. You could go for a loan from a traditional bank, apply for a credit card cash advance, or try a short-term loan online. We’ve put together a quick guide on what you’ll need to apply for a 1 hour direct deposit loan in minutes online.
The first step is to fill out the online application form for a 1 hour direct deposit loan. When you have filled out the application, you will be taken to a review page where a broker will review your application. You can then expect to hear from the lender within one business day.
On this next page, you will need to provide the lender with some basic information about yourself.
You will need to give your name, phone number, email address, and address. You will also need to upload a clear, recent photo of yourself.
You can find more information about what to include in your application in the lender’s website, so be sure to check out their application guidelines thoroughly before submitting your application.
After submitting your application, you will need to review it and either approve or decline the loan. If you have approved the loan, the lender will notify you via email. Otherwise, you will need to contact them directly to approve the loan.
Once you have approved the loan, the lender will send you an email confirming your approval. You can then proceed to make payment as agreed upon.
As mentioned above, you will need to determine how much you can borrow based on your personal profile. The amount of money you can borrow will greatly depend on your employment status and history, the type of credit you have, and how long you’ve had credit. Typically, you can borrow anywhere from $100 to $1000 for the first hour, with $100 being the minimum. However, the maximum amount you can borrow is $7000 for an entire month.
Like most loans, you have to make payments back to the lender, and in most cases, these are typically on a monthly basis. When repaying the loan, you need to include sufficient payment to cover interest charges and any applicable fees. In most cases, you will be able to expect to make payments back over a period of time. However, if you are unable to make payments as agreed upon, you may be pushed into default, which will then allow the lender to take legal action against you.
In some cases, lenders will offer you alternative legal services to make sure your funds are secure. You may be required to sign legal documents to obtain the loan, such as a waiver of liability and a nondisclosure agreement. If you are unable to sign these documents, the lender may refuse to provide you with the funds.
In most cases, applying for a 1 hour direct deposit loan is a quick, simple, and painless process. You will need to provide the lender with basic information about yourself and then either approve or decline the loan. If you approve the loan, you will need to make payments back to the lender on a monthly basis with sufficient funds. Otherwise, you may be pushed into default, at which point the lender may take legal action against you.