123 Cash Credit Loan Services

123 Cash Credit online offers alternatives to traditional bank loans and other online or storefront lenders. We know that there is no way to plan for an emergency, and therefore we offer access to lenders with much more lenient lending guidelines for hardworking people that have found themselves in trouble that they could have never predicted or avoided. We believe that everyone needs a little financial help sometimes, and we all deserve a chance to get ahead. We also believe that one size does not fit all people or all situations and therefore we also offer a choice of loan options.

We provide access to the low cost short term online personal cash loan services that people want and need and that won't bury them in financial debt. Plain and simple, we offer real financial help by providing access to the right loan options, not those that would saddle you with overwhelming debt.

Some people need funds fast and are willing to pay a little extra to get the money they need today instead of tomorrow and want a Loan in 1 Hour. That is a legitimate need and here is exactly where you would find 123 Loans in One Hour

For some, a long time to pay the loan would fit their budget better and would therefore prefer an installment loan. To them we would say, check out our 123 Installment Lenders

There are always people who need money but want the time to pay it back and know that once it is paid back want the flexibility to borrow back the money as needed without going through yet another approval process. So for them, an Open End Line of Credit would be the best option. If that describes you then you should check out our featured 123 Line of Credit lender.

A standard option has always been available to those who live paycheck to paycheck and just run short and find a standard Payday Loan gets them the extra cash to make it through. So, for them our standard 123 Payday Loan application works best.

What Is a Payday Loan?

The easiest way to describe what we offer is to think of our loans as an advance on your regular paycheck. Lenders know you'll have that money in a week or two, because we ask for your paycheck stubs as verification. It can be hard to get ahead when there's nowhere else to turn. We can give you a hand up. The loan terms may differ from state to state, but are always generous enough to allow ample repayment time, and plenty of breathing room to get back on your feet. The loan amount requested is flexible as well, allowing you to ask only for what you need, not some predetermined set amount that might be more than you can afford.

The Simplest Qualification Requirements

The requirements for receiving a cash loan are very straightforward. First, you need to be a United States citizen, or a permanent resident. You must be a legal adult of age 18 or older, and you need to have a bank account. You will also need an email address and a working phone number and you will need proof of your income, like a paycheck stub.

Easier Access to Great Loan Options

Traditional banking institutions operate in black and white terms and the only people they'll lend money to are the people who don't need it. Too often, the banks contribute to the average family's financial hardship by adding bank fee after bank fee. Unlike a short-term lender, a bank will never approve you for a loan instantly and get you the funds you need into your bank account in as little as 1 hour to 24 hours. A bank is not designed to help the average family, let alone those who are struggling with a hardship. Even once-healthy savings accounts can be devastated by unemployment, illness or unforeseen car repairs. Life just doesn't happen according to a predictable schedule. Payday Loan Services do serve a purpose and can help ease the blow when you find yourself caught between a bill and an empty bank account.

Fast and Convenient Payday Loan Services

It has never been more convenient to have access to quick cash than through our Payday Loan Service. Since all our services are online, money can be electronically deposited into your checking account within 1 to 24 hour of approval. Our online loan application is quick to fill out and easy to understand, just a few quick questions, your income and identity will be verified and the cash is yours. There are some rare cases, where for verification purposes; your lender may require you to provide additional information. We believe in keeping things simple and easy. Unlike credit cards, which charge interest on top of interest again and again, you can pay the balance of your loan off as soon as you get your next paycheck or two, so you won't be in debt for years and years from making a minimum payment on a large debt.

No Pressure Approach

Nothing could be less pressure then an easy 1 page application process with an immediate approval notification to truly makes our Payday Loan service a convenient solution for many. The federal Truth in Lending Act ensures that all online lenders disclose all rates or fees before you sign, so you can proceed with confidence, knowing your rights are protected. It costs you nothing for you to apply for a loan, and you can look at the lenders loan document and choose not to sign. Until you actually e-sign a loan contract, you are not under any obligation to continue the loan process and you have lost nothing. Carefully reading any lender provided terms, can certainly help you learn about the online loan process. We don't have to tell you, but being able to make an informed decision, especially when your finances are involved, is extremely important.

Control your Debt Instead of Letting your Debt Control You

Every day that car needs fixed and can't get you to work, bank fees pile up or that unpaid bill gains interest is more money out of your pocket. Situations like these can lead to even more debt, forcing charges on a credit card with an even higher interest rate then a short term loan or missing more work while waiting for money to handle needed car repairs. It can quickly and easily become a vicious cycle that's nearly impossible to escape. Choosing the right payday loan service can help you avoid that loop, by providing a quick cash infusion that can be easily paid back with your next few checks. It's like answered prayers for your bank account: payday lenders get things moving so you can continue on your own without worry.

It's up to you to Borrow Responsibly

Even the most responsible and budget minded person can find themselves in over their heads financially sometimes. That's why it's so important to be responsible with your money and even more careful when it comes to short-term loans. When choosing a payday loan service, be sure to only apply for an amount that's easy for you to pay back and falls within your budget. Failing to do so can lead to high interest rates, late fees, and even more debt. Defaulting on a Payday Loan can make it impossible to get loans in the future so you should always work with your lender if you run into trouble when paying back the loan. Unpaid bills end up going to collection agencies, which can have a severe negative impact on your credit rating. As you know, poor credit can prevent you from being approved for car loans or a mortgage later when your financial situation improves.

Alternatively, repaying a payday loan on time and in full can actually benefit your credit by improving your overall rating. This can also be true if the payday loan is used to pay another bill that could have negative effects on your score, such as making late payments on a credit card company or car loan.

Our fast, convenient and flexible loan service might just be what you're looking for, and if it is, we're ready to help!