FAXLESS PAYDAY LOANS

MAGIC PAYDAY LOANS

Magic Payday wins the award for providing money in a timely fashion.  The title of the company says it all, because from the time you begin filling out the loan application to the time when the money is deposited into your account makes it feel like magic.

The website at Magic Payday is one of the most basic, streamlined payday loan site on the internet.  Magic Payday advertises itself as the home of the 2 minute loan application.  Essentially, this firm has stripped down all the questions to just the bare facts.

Do you qualify?  You must be 18 years old and have $800 minimum in monthly income.

Do you have an active checking account?  You must, because Magic Payday (specifically their lending partners) must be able to deposit your loan into that account.

Are you at least 18 years old?  You have to be an adult to get a payday loan in the U.S.

Once you have gotten through the 2 minute application your information will be submitted to the various lenders that work with Magic Payday.  This is similar to the function of a company like Lending Tree.  Magic Payday is the facilitating the loan but not actually lending the money.

When the loan is approved the money will be deposited into the checking account you provided.  This can happen the same day as the loan request but usually it will be the next business day, most likely in the morning.

Just like 99% of all payday companies, Magic Payday will not check your credit history at the three major credit reporting agencies.  So if you have a bankruptcy or credit card charge-offs, they will not hurt you when you go to get the payday loan.

There is a large degree of flexibility of the loan.  You can set the payment dates to match your payday from your employer.  And you'll have the ability to choose a repayment scale that fits your budget.  If you need an extension the payday can be extended, for a fee of course.

Speaking of the rates, they are consistent with other online payday lenders.  Although you do not get much of discount in the interest rate charged, Magic Payday will not charge more than the standard rates.  Magic's big push is for speed, to deliver the loan in your hands in less than 24 hours.

Payday loans are highly competitive at this point.  The number of online companies that offer this type of loan has exploded over the last few years.  Magic Payday is one of the more reputable and reliable firms online.  They have a secure website and have a well defined privacy policy.

Rather than your neighborhood lender, give Magic Payday a try.  The speed, convenience and rates will most likely be better than what you are used to getting from the strip mall.

TEAM QUICK CASH HAS EASY QUALIFICATIONS

Most online payday loan companies want you (or need you) to have a full or part-time job.  The loan company isn't interested if you have an alternative income, they want to see W-2 income.  That means you will have to produce a recent pay stub and/or give the payday firm a contact phone number of your employer.

The problem here is simple.  What if you do not have a current employer, but you do have a regular income?  A lot of the payday lenders are going to want to pass on your request for cash.  Their standards are locked in for having a job, some of them even want you to have been employed at your current job for the last six months or more.

There are millions of people around the country who have an income that falls outside the range of W-2 wages.  Many people have a work at home situation, where they make money in trades, domestic help, making money online or in dozens of other self-employment situations.  None of this income will provide a W-2 pay stub.  In the eyes of many lenders, this does not qualify you as having an income.  This is where Team Quick Cash comes into play.

Team Quick Cash will consider all forms of income when considering you for a loan.  All you need to do is demonstrate that you do have some source of income.  Another great part of Team Quick Cash is that they have low income minimums to qualify.  If you have at least $800 in income per month you will be eligible for a loan.  This is substantially less than most payday lenders, and don't even try to compare this to what your local bank will be asking for.

Other than the $800 minimum income requirement, everything is relatively simple.  To qualify you will need an active checking account (you will not find a payday loan company that doesn't demand this) and be at least 18 years old.  Also, you must be a U.S. citizen or be in the country with a legal status.  That's it, this lender does not have any hidden (or stringent) requirements for a loan.  Prior negative credit events are no problem, whether you have a bankruptcy, repo, charge-offs or other credit problems, none of these credit items will be considered when you ask for a loan.

Simply, do you make $800 a month, from any source?  Are you 18 or older?  And do you have legal status in the United States?  If you can answer "yes" to those three questions, then Team Quick Cash can provide you a quick loan.