Payday loans have nothing to do with vacations?  Right?  Let's examine this...  The school year is almost over. You've been slaving away at work for months. The bills are hopefully paid from the last holiday season. You've gotten all your Spring cleaning done. It's time for a vacation.

So where do these cash advances come into play?

The only problem... You're tapped out. It cost too much for all the end of school activities. Gas prices have made your commute to work and back way more expensive. And, NO, the bills are NOT paid from the holiday season. BUT, you really did get the Spring cleaning done. So, you DESERVE a vacation. The question is... how are you supposed to pay for this vacation now? You're tired of online payday loans that have to be paid back too quickly for comfort. You don't want to go get a title loan and risk losing your car, assuming you have a free title. Your credit is over-taxed from the last holiday season. So, you can't run out and get a conventional signature loan. So, what other options remain?

100 Day loans to the rescue

Well, besides borrowing money from Aunt Bessie, you're pretty much gonna have to figure something else out. That's where 100 Day loans comes in. They can give you loans that are basically like cash advances, only with just over 3 months to pay. So, go enjoy your well-deserved vacation. And don't sweat it... With a 100 day loan, you effectively have the entire summer to pay for it.

Christmas is a wonderful time of year. Who doesn't like to get into the Christmas spirit? It's great to decorate, to enjoy great food and snacks you may only have once a year. We like to travel to visit our loved ones or just to take the time to get away while things are a little less crazy at work. Cash advances are the last thing you would want to think about.

Then comes New Year's Eve and New Year's Day. New Year's Eve can be a costly event, especially if you go anywhere that is hosting a party.

So, you've run up all these bills... We all do. What do you do when the bills come due and you're in a cash crunch? I hope you don't rush to get short term loans. It can be very costly and you don't have long to pay it back. Sometimes, you only have 2-4 weeks.

Could online payday loans be the answer?

What's the answer? 100 Day Loans is a great middle-of-the-road option. They can get you the money you need and with 4 out 5 applicants approved, your credit shouldn't hold you back from applying. With 100 days to repay these cash loans, you should have a much easier time finding the money to pay back the loan.

So, let's review. Paycheck loans are not always the best option. 100 Day Loans can get you money in your account the next day with 100 days to repay.

Having a cash advance loan is both a blessing and a curse. Sure, it helps you get money when you need it the most, but it comes both at a price and a fast approaching due date.

I need more time to pay off my paycheck advance!

So, what happens when your payday loans, that you thought you could pay off on your next couple of paydays, suddenly comes due and you are still in a bind with your finances? This could be a problem. Think about it. Review your situation. As long as you can pay the interest, fees, and principal, but just need a few weeks or couple months even, you may find that the best answer is that you need a 100 day loan.

So, why would I choose 100 day loans?

100 day loans work the same as paycheck loans. You borrow up to $2500. There is still a review process, but there is a high approval rate even with bad credit or no credit. Your money is deposited into your account in about 1 hour. You can apply online and faxless, meaning you won't have to fax in your documentation.

What's the difference between other short term and 100 day loans?

So then. What's the difference? What makes a 100 day loan better then?

You have up to 100 days to repay. That's right. Not 30 days, not 60 days, not 90 days, but 100.

Are 100 day loans a good idea then?

That depends on your situation. So, if you know you'll be getting some overtime, tax refund, or some other windfall in the next 100 days, you can apply in confidence and pay off your existing financing. Does it solve the problem of paying it back? No. Does it make it any cheaper? No. It actually makes it more expensive with the new fees and interest charges.

What it will do is help you get past a rough period by giving you more time.

Payday loans are a necessary evil - 100 day loans tame them a bit

Paycheck advances may be a necessary evil sometimes, but they don't have to have evil timeframes for repayment.

Click here to review more information about our preferred lender. With over 122 lenders, you are virtually guaranteed approval.

It's the last thing you needed. You're electricity is off, your bank account is near empty, and the cash advance company declined your application. Even if you don't have a utility that's shut off or need money in order to eat, not having money when you need it is definitely not fun. How many times have you wanted to take the kids to a movie or your significant other out to dinner and it's still several days until payday? This is not a great time to have your short-term cash financing denied.

Think all is lost? Not necessarily... You can still get the money you need.

Submit your application once, have it reviewed by over 122 lenders. There are broker services out there that can help you get you the money you desperately need, even with bad credit or even no credit at all. Many of these brokers allow you to submit your information using their online applicaiton form and have it presented to over 122 lenders within their network. This saves you from having to submit your information on site after site even though you may still not qualify with any of the companies you submit it to. That's right, all those fields on the form only need to be completed once. No more having to dig through your paperwork or contact list for multiple financing applications.

Over 122 cash lenders? You are virtually guaranteed an approval

With over 122 short term money lenders, your chances of approval are higher than ever. While it may be true that most paycheck lenders have similar criteria that they use to evaluate the loans they write, some are more lenient than others.

How can I know for sure my loan will be approved?

The only way you will know for sure is to submit your application and give the broker service a chance to get your short-term loan approved. The good news is you only have to submit it once and all the work happens in the background. You will have an answer typically within an hour.

What else do I need to know about getting a pay day loan?

Like many broker-assisted financing programs, the broker should be able to get you a loan for up to $1500, although some lenders may approve higher amounts.

You will be able to have the funds direct deposited into your bank account. Some lenders will wire the money to you the same day. Most, at the very least, will deposit the funds into your account the same day. So, as long as you submit your application a few hours before the bank's cutoff time for deposits, your funds will be there the next morning after nightly processing completes at the bank.

Is there any other difference from typical pay check loan services?

The simple answer is yes. You should also know that using an online paycheck advance broker service will also mean that you will have up to 100 days to repay the loan.

How can I find a short-term broker service to apply with?

Click here to review more information about our preferred broker for 100 day loans. With over 122 lenders, you are virtually guaranteed approval.

It's no secret that payday loans can be incredibly difficult to repay. They have high interest to begin with, that's also no secret. But, when you need the money, you need the money... right?

So, how then can you reduce the pain of taking a cash advance? Is there anything you can do to make having an advance on a future payday any easier? The answer is, "yes." Keep reading and I'll explain further.

Most online loans give you until the next payday or one after that in order to pay off the loan. How likely is it that the situation that got you into trouble in the first place is now going to be resolved just a few weeks later? What if you know you're going to get a bonus or tax refund or some other windfall? Paycheck loans just aren't really going to do the trick with their quick due date.

Short Term Loans with Extended Due Dates

There is now a company issuing loans similar to payday loans, however with an extended due date. This company is giving these short-term paycheck advances with up to 100 days to finish paying it back. That's over 3 months and can give you some wiggle room to figure out how you can take care of the loan. They are able to provide up to $2500 loans and are noted for being able to provide $1500 loans deposited into your bank account within 1 hour without the need for any faxing.

Qualifying for 100 day loans is easy. The company issuing this type of financing approves over 80% of all applications.

So, while we don't encourage people to take on cash loans. If you need the money, have bad credit, or need longer to pay off a short term loan, then a 100 day loan may be just what you need.

To find out more about this 100 day loan company, visit 100 Day Loans.

So what? It's not the end of the world. Here's what to do to avoid needing one in the near future. After all, who wants to remain in the trap of paying fees and interest to keep taking out these payday loans?

Relax and give yourself a break.

Everyone is entitled to make a mistake. Your best bet is to prepare for the next cash crunch. Make a plan to find savings and set it aside with a vow to yourself not to use it unless you would be forced to take a paycheck loan. While this sounds difficult, you can use the 22 money tips that can be found in the resources section to help you find some extra cash. Temporarily increase your number of dependents on your W-4 form (you can claim up to 9 without having to justify it, even if you are only, perhaps entitled to 5 on your tax return).

Review your monthly expenses.

See if you can cut some of them. Can you reduce the minutes include on your cell phone bill? This can save you $10-20 per month. Can you eliminate the premium channels on your cable TV, lower your internet bandwidth plan, switch your utilities to a cheaper competitor? You get the point, it's time to start looking for ways to cut your monthly costs. Increase your auto insurance deductible.

Look for ways to bring in a little extra money.

If you work an hourly job, ask for overtime. Even if not, it may be time to ask for a raise. When asking for a raise, ALWAYS frame your request in such a way that shows why you deserve it in terms of how you help the company. Maybe it's time for a yard sale... If you can do some odd work for neighbors... Walk dogs... Babysit... Mow... Anything.

Watch your checking account like a hawk.

You want to avoid any overdraft fees like the plague, especially when you have expensive loans out. The best advice? Limit use of your checking account and debit cards to only bills you need to pay using it, that way it's a known amount of money that needs to stay in the account. Of course, you will need to be sure you are aware of any transactions that are pending so that you don't overdraft in the meantime, but you should aim at using it only for specific bills you intend to pay through it. Everything else, be sure to pull cash and use it sparingly.

Pay off your cash advances ASAP.

If you can pay a little extra in the meantime before the loan is due, by all means. This is very expensive financing. You need to get the principal paid down and slow the interest being charged as much as possible.

Prepare for the worst.

If you really can't pay your paycheck advance off in time, you can often pay a fee and extend the loan. This is the real world. We can't always plan for our expenses. In some instances, you may need to take the cash you have in hand and take out a second advance and combine that in order to repay the first one. This will at least get your principal down and extend your time to pay off the loan as the new one will have a later due date and probably the ability to extend it a couple times, as well. The key here is to do some homework. You want to get the cheapest financing you can, since this time it's not an emergency.

Get out of your way.

Do your best not to be your own worst enemy. By that, I mean that we often cause our own emergencies by buying something big when we should wait until we can do so and still have money left in savings. We can do preventative maintenance on things like our central air conditioning and heating units and cars to avoid costly unplanned repairs.

Be your own finance company.

After your short-term loans are paid off. Build up your own emergency fund. If you borrow against it, pay it back with interest. Repay it as if you were doing so with a cash advance company, meaning, if you need an extension, make sure you repay yourself with a fee for the extension. Then when you get done paying yourself back, reward yourself by using part of the extra you paid back for a little something special for yourself. After all, you deserve it. And you know what? You own the paycheck loan company, so you should be rewarded for a good investment. It's just that this time... you invested in yourself! :)

Payday Loans: An option?

Little Timmy's birthday party is coming up. You've invited people, got the cake lined up, and you're account is empty even though you still have decorations and a present to buy. You may even be in the position of not having enough food to last until next paycheck. It's still days until you get paid. What do you do??? One option is to get a cash advance loan.

This article covers basic things to know about short term loans. As there is a lot of competition for cash advance financing, the terms vary greatly from lender to lender. Thus, the information in this article is very general in regards to terms and requirements one will face when taking out a cash loan.

Cash Loans: What are they?

Also known as a paycheck advances, short term cash loans provide a means of obtaining money quickly to help borrowers meet their cash needs for a few weeks, usually 1-3 pay periods (1-6 weeks is typical). Paycheck loan companies, in most cases, do not require any type of credit, cash, nor any collateral, except for earnings from a future pay period.

How Do I Get A Short Term Loan?

In order to obtain payday loans, borrowers must complete an application. The information required is limited to basic personal details, employment and banking information, personal references, the amount requested, a date for when the amount financed will be repaid, and a signature of the applicant.

What Do I Need In Order To Obtain Financing Online?

When applying for online paycheck loans, you will often have to provide certain documents in order to qualify for the financing. These documents include the most recent paycheck, a government issued photo ID, a recent bill from a utility company, and sometimes a recent bank statement. Don't worry that you may not get short term loans because you have bounced checks or a past due balance on your utility bill. They are simply trying to make sure you live in the same place and that your checking account is valid.

To secure paycheck advances, you may be required to provide a check dated for the due date of the loan or you will be asked to provide bank account details so that they can process the payment electronically on the due date. The amount of the post-dated check will include the amount borrowed plus the interest and fees. In some states, the interest rate will be lower to comply with local laws, but there will be fairly large fees, since these are considered high-risk loans for loan companies.

There is often a contract to sign when taking out payday loans, not unlike any other type of financing. It will spell out all of the terms and conditions of the loan. There will also be a truth-in-lending statement to sign for payday advances which will spell out the principal (the loaned amount), any interest charged, finance fees and charges, what the late fees will be, what the interest rate is on an annual basis (the APR), and the date any payments would be required.

After completing all the paperwork, it is entered into the computer where it is evaluated and approved. Keep in mind, the approval process for cash advances is fairly easy, because the interest and fees for each loan is roughly 15-20% of the amount loaned and the short term financing company only has their money tied up for a few days or a couple months. When approved, you get the money on the spot. Although, in some instances, that money may be given to you in the form of a check. It's a good idea to ask before applying, especially, if a check will be unacceptable for you. If applying online, the cash will be deposited into your account within 1-2 business days. So be sure you keep holidays and weekends in mind. If you apply on a Friday, you may not have access to the funds until Tuesday or Wednesday.

The bottom line is this... If you need cash fast and you can afford to repay the paycheck advance with the interest and fees within a few paydays, then it may make sense for you. The process is easy and fast, so don't be afraid of being turned down. Chances are you will qualify for anywhere from $200 to $1500. This can make all the difference when you need cash and need it quickly.