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Cash Advance

Instant Cash Advance in Any Emergency
No matter how carefully you plan your finances, you will find yourself in the situation when something inevitable comes up that demands quick cash. Whether it is a mechanical need with your accident-prone car, a medical emergency or might be a night-time plumbing emergency at your home - there will be something working against your planned finances. Emergency does not wait. Borrowing money from friends and relatives has its own downside if at all possible. When you need money quick – easy and reliable solutions like cash advance loan is an option.

What is a Cash Advance Loan?
Cash advance online loans are short-term loans that help to borrow small amount of cash. They are typically in the range of $100 - $1,000. The simple way to define cash advance loan it is an amount paid by a lender in advance of the borrower earning the amount. Cash advances have to be paid back within a short-term period to the lender in small payments.

APR - A little explanation
APR or annual percentage rate represents the annualized interest rate that you are charged. BigDaddy-Loans.com is not a lender, we do not provide cash advance loans, but we refer to lenders who can support consumers with such loans. We do not charge any fees for this service. We are not able to supply with the exact APR as it keeps on varying. The lender would provide you with all details as soon as the application is approved. The APR for cash advance loans can range from 250% to 2,350% depending on how it is calculated which include variables such as term of loan, fees incurred (non-payment, late fees), loan renewal options and other all specified in the cash advance loan agreement that you will be able to review before e-signing. These details will be provided directly by the lender who matched the loan request via our system.

Example of APR charges:
If you borrow $300 for 14 days with a $40 to $80 lender charge. Your estimated APR is 347% to 695%.
Cash advance loans are relatively pricey when compared with other loan types. Cash loans are not recommended as a long-term financial solution and should only be taken out in emergency situations.

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100
Low End Calculation: ($40 / $300) * (365 days / 14 days) x 100 = 347.62%
High End Calculation: ($80 / $300) * (365 days / 14 days) x 100 = 695.24%

How BigDaddy-Loans.com works?
You can obtain the cash advance online via our lender matching service with a simple three-step process-
  • Fill out the online form with accurate information
  • Review the lender's proposal upon receipt of approval within minutesof submission
  • Get cash directed into your account next business day
As soon as the customer specifies the amount to borrow, BigDaddy-Loans.com sites takes you to a secure full application page on lender network.Once you fill in all the details, the loan application will be reviewed. If approved, the cash advance loan lender processes your information provided and sends the loan agreement for your review, approval and e-signature. Upon completion of that process the cash will be wired directly to your account from the lender as soon as the next business day.

How Much You Can Borrow
Stay prepared in situations where you need the supply of cash quickly. The cash advance amount that you can borrow at one time varies from $100 to $1,000 nowadays. The highest approved being $1000. Financial situation based on your inputs and suitability of the loan amount can determine the maximum amount. All our lenders provide customers with details on terms and conditions prior to the acceptance of the loan offers.

Implications of Late Payment
Contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date. Your lender will set its own late payment fees in accordance with state regulations. There are several courses of action available to them if your payment is late. For more information about your lender's late payment procedures please review your loan agreement or contact your lender directly.

Implications of Non-Payment Financial Implications
Your lender may also charge you late fees for non-payment as well as fees for non-sufficient funds. As an example, your lender may charge you a $20 nonsufficient funds fee as well as 15% of the loan balance as a late fee. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature.

Collection Practices
Bigdaddy-Loans.com is not a Lender, and is not involved in debt collection. If you are late or miss a payment on your loan, it is important to contact your Lender immediately. If a payment is missed and you do not speak with your Lender, it is possible your loan will be subject to collection. It is important you understand these terms and conditions, or discuss the process with your Lender directly. Collections practices of Lenders and/or any assignee(s) will be in accordance with the regulations of any applicable local, state, or federal regulations.

Renewal policy
Some of the lenders in our network may automatically renew your emergency loans if they become past due. You should check your loan agreement for your lender's policy on automatic loan renewal. If your loan is renewed, there will be additional charges as determined by your lender and the minimum term will be 15 days. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installments.

IMPACT ON CREDIT SCORES -
Www.BigDaddy-Loans.com does not make credit decisions nor does it ever conduct credit inquiries on potential borrowers. Some members of our lenders network may choose to conduct a credit check in order to determine your eligibility to qualify for a loan.

Cash advance loan activity generally does not show up on the credit reports you get from the three major national credit reporting agencies (Equifax, Experian, and Trans Union). However there are specialty credit reporting agencies that collect some of your Cash advanceloan history. It is possible that lenders may access this information when considering you for future loans.

In addition, if you don't pay your loan back and your lender sells your Cash advance loan debt to a debt collector, it is possible the debt collector would report this debt to one of the major national credit bureaus. Debts in collection could impact your credit score.