Payday Loan / Check Cashing / Cash Advance Recommendations and Reviews

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Hello everyone and welcome to my page about instant Pay day loans and check cash advances. Now your probably thinking, hey Catfish, why do you have a page about easy payday loans on your band's Web page??? Well thats a great question. I ended up doing a number of these types of online cash advances starting in August of 2008. My goal in doing so was to get my band out to the Hyperfestival in New Mexico. And since I had recently gotten a raise at the time, I didn't think paying the loan back would be a problem. I couldn't have been more wrong and so I made one of the biggest mistakes I have ever made.

It took me until December of 2009 to finally get out of the hole I had dug for myself. The problem was that we spent too much money on the trip and I started having to take additional instant payday loans to pay for my existing cash advances..lol. To the point where at one time I had 9 outstanding online payday loans!!! I had cash advances from online lenders like PayDayMax, Zip19 Ameriloan and CashNetUSA to name a few.

My entire paycheck was gone before I got paid. The only way I was able to get out from underneath all of these pay day advances was to move out of my apartment and start couch surfing for three months (which is thankfully over now) and I used the money I would have paid for rent to pay down all of these pay day cash loans. And even then it took three months!!! Additionally, I payed well over ten thousand dollars of interest charges last year, all because of that original payday loan cash advance that I wasn't responsible about.

So my purpose in telling you this story is to warn you about the consequnces of using these things irresponsibly. I have included links on this page to my favorite payday loan / check advance companies. Im not encouraging you to use the service but I recognize that if you are on this page you may not have a choice about doing an online payday loan because you don't have another option. So I wanted to give you a fast, easy and same day option with a direct link to a lender because I know that me telling you not to do a payday advance isn't going to help you get through your current financial situation.

However, I wanted to put some context around my recommendation and especially to all my brothers and sisters who are musicians and might look at this as a potential short term fix to buy music equipment. To these people I will say, don't do it!!! Save your money the old fashion way and get it when you can afford it. But to those people who have serious financial emergencies for which a fast pay day advance may be the only solution, I wanted to share this story to inspire you to not over-extend yourself and have a concrete plan on paper of how you plan to pay it off quickly and not do it again.

Having said that, if you do have to do an instant pay day loan / check advance and want to do it online, it can be hard using a search engine to find a direct lender. So I have included on this page my affiliate link to paydaymax.com ( I get commission which supports Dive Bomber) if you follow this link and sign up. So if you are going to do a pay day loan, Dive Bomber would very much appreciate you using our affiliate links as we are trying to pay for our new album. I have also included some links to other companies that are direct lenders that I have also used in case you need a second option based on getting declined or whatever.

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So remember, if you are gonna do a payday loan cash advance, understand that this is not a permanent solution to your financial situation and that using these services irresponsibly can lead to even more significant money related problems. So use payday loans and check cash advances only in emergencies, have a solid plan to pay it off quickly, and don't get a loan from a company that doesn't collect the entire balance on your next pay check!

***Some checking cash advance / payday loan lenders only charge you your interest every paycheck by default. So if you don't go online into their interface or call them and tell them to pay the full balance on your next check, you can quickly find yourself paying interest payment after interest payment with no end in sight. I ended up paying one company over $1000 in interest on a $400 loan till I figured that one out.

Here are the five things that really made it difficult for me to get out of my situation. Be on the lookout for these and plan accordingly:

1) I didn't realize that some of the loans only were taking the interest charges out and not paying anything to the balance due.

2) I had multiple payday loans going at once, sometimes up to 5 or 6 at a time.

3) I had unforeseen expenses that I had to address immediately (car, travel, health).

4) I wasn't consistently doing a budget.

5) Overdraft charges as a result of electronic payday loan debits.

I recommend doing a budget consistently as I have started doing and make sure your electronic payments don't put you in the red. If you must do a payday loan, only do one and make sure to pay it back on your next check. Also, don't take such a big advance that in the event of an emergency your really in trouble.

I hope this page about online cash advances and pay day loans has inspired you to think twice about using these services and if you do, inspires you to have a well thought out plan on how to pay that loan off quickly and permanently. Good luck!!!

Catfish

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Here are some other direct lenders that offer pay day loans / cash advances that I have personally used:

(some of these require you to fax your information, others are faxless. You can always use efax if you don't have a fax machine to apply for your online cash advance / payday loan)