When you're in a financial pinch that you need to get out of quick and you can't really afford to wait until your next paycheck so that you can get your hands on the funds that you need, applying for a cash advance or a payday loan might be the only choice that you have to get out of the situation. Getting a payday advance isn't necessarily something that you should always steer clear of, it's just not an option that you want to feel like you need to rely on or want to create a habit out of. The fact of the matter is, getting some quick cash in your bank account might be super convenient at the time, but believe me when I say that you pay for that convenience and then some.

Of course, this is no big news to any of you who are currently seeking out a payday advance lender (they're much different than your traditional personal loan lenders), so hopefully you knew all of this going into the situation, but even if you are well-educated on all things cash advance you still need to select the best possible lender for your situation. Whether you're planning on going to a local payday loan store or strictly searching online for your cash advance, knowing which lender is dependable and right for you will make your loan experience much smoother and easier to manage in the long run. The rest of this article will tell you more about some of the more popular direct lender cash advance options out there, their rates/offers and how quick they can get you some cash.

Check N Go, which was established in 1994, is probably one of the most well known cash advance and payday loan lenders in the United States due to the fact that they are one of the largest lending chains available, which means that you can find one of their stores in practically every major city in the greater 50 states. Over the past couple of years, Check N Go has ventured out of the store and onto the web and as a result has also become a huge player in the online payday loan and cash advance space. They are dependable, focus on customer service and have built up a great deal of trust by providing their customers with dependable and respectful service.

Check N Go Loan Requirements
To be eligible to receive a loan from a payday advance lender like Check N Go, you need to be able to fulfill the following basic requirements:

• Must be at least 18 years of age (must be 19 in Alabama and Nevada)
• Must not have any other outstanding payday loan
• Must have proof of a steady income
• Must have a checking account (and will need to be able to take electronic payments if you are applying online)
• Must have the ability to meet your states specific guidelines when it comes to payday loans
• Must have a working phone number (or working email if applying online)

Ability To Get Instant Cash
One of the benefits of choosing Check N Go as your cash advance lender is that since it has actual stores that you can get approved at, you can get an instant cash advance on the spot without having to wait until the next business day, which is the fastest that any online cash advances can get the loan amount transferred into your checking account. When you go through the loan process at an actual store like Check N Go they can get you your cash in a matter of minutes.

Check Your States Payday Loan Laws
A final thing that you need to remember is that many states have fairly limiting payday lending laws that allow you to be advanced a specific amount of money. For example, in California the most that I could be advanced by a Check N Go for a 14 day payday loan would be $255.

Even though they claim to be better than a payday loan, getting a Magnum Cash Advance is basically the same thing, but with a couple of nice extras thrown in. These extras can be pretty nice if you end up being able pay off your loan early or if you need the loan longer than the normal 14 days that is standard for most other payday loans. Also, Magnum Cash Advance is strictly an online payday loan lender, so you will need to apply directly through their website if you're interested in getting the money that you need from them and even though you won't be able to get instant cash you'll still be able to get an overnight cash advance, which most of the time is just as good.

Magnum Cash Advance Requirements
Just like any other online or in-store lender, Magnum Cash Advance has a fairly standard set of guidelines that you will need to be able to follow if you are planning on using them as your payday loan lender:

• Must be 21 years of age
• Must have a full time job that you have worked at for at least 3 months
• Must have a net monthly income of $1000 or more
• Must have a checking account that allows for electronic deposits

Benefits Of A Magnum Cash Advance
One of the benefits that you'll get by going with a Magnum Cash Advance over an ordinary payday loan are mainly that your loan period will be 60 days instead of the more standard 14 days that most cash advance lenders will give you. Another benefit is that you can borrow up to 30% of the monthly income that is deposited into your check account. The final and probably best benefits are that you can pay back your loan as soon as you're able to without facing any early payment penalties and that your fees will only be based on the amount of time it takes you to pay it back, not the full 60 days that the loan was initially contracted at. This can potentially save you a lot of money in fees, which get very expensive very fast.

Advance America Cash Advance
Advance America Cash Advance, or Cash Advance America as it's well known, is another well-trusted and highly respected payday loan lender that provided both online and in-store cash advance services. Applying for a cash advance here (both online and in-store) is very similar to the process that you would find at other payday loan lenders such as Check N Go, with the main benefit being that you can get an instant cash advance in just a few minutes. Just be sure to have the proper documentation when you go into apply, or your chance of getting approved will be slim to none.

Check Into Cash
One other dependable cash advance lender is Check Into Cash, which has both online and in-store lending available as well. Depending on how much you are looking to borrow and what the laws are in your state of residence, Check Into Cash can advance you anywhere from $100 to $800 and can get you a direct deposit with the money you need within 24 hours. This is great for all of you who practically need a cash advance now and can't really wait any longer than a day to get your hands on some cash.

This is probably worth saying again one more time, but no matter who your friends have used, what lender you saw on TV or which lender has the best website, just be sure to do your research and find the lender that best fills your current financial needs. The fact that you won't need to get a credit check when applying with any of these cash advance lenders probably means that you'll most likely get accepted for your loan, so just make sure that you're well aware of all the fees, time lines and other important factors of your loan before signing on the dotted line.