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InstantATM.com helps consumers find short-term loans during times of financial needs. We have all been there! You need money today, but you don't get paid until next week. We get it, and thats why we make getting the cash you deserve as easy and as fast possible. Our application process can be completed online, discreetly and securely, with funds deposited directly into your bank account. We connect you with dozens of lenders, providing nationwide payday loan coverage with one simple application.

Upon completion of our 3 minute application, you will know if you have been approved for your loan. We understand you need an instant answer, so we have stream lined our process so we can provide you one. If you are approved, your funds may be deposited in as little as 1-hour!

It's easy to apply online for a fast and secure short term loan of up to $1,500*. There is nothing to fax* and bad credit is OK**. Your short term cash loan will be deposited directly into your checking account by tomorrow!*

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What exactly is a payday loan?

A payday loan is a small unsecured loan, usually for $100 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday.

Payday loans are also known as cash advance, short term loans, payday advances, cash loans, fast cash, fast loans, bad credit loans, deferred deposit, and a number of other things. No matter what you call them, payday loans can get you through your financial crisis.

Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Customer Notice: Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

What is the most common reason Payday Loans are used for?

We carefully survey our customers and for that 75% of them utilized our services to cover unexpected bills, avoid late fees on credit cards, and avoid having their bank balance drop below zero and avoid check bouncing. Many banks charge extremely large fees for bounced checks, and avoiding them can save you lots of money.

When is a Payday Loan not right for me?

Although payday loans are a useful tool, they are not the end all solution to every problem. Before taking out a loan we suggest you consider and weigh all your options.

  • Keep tabs on your bank balance and avoid writing checks if you are not sure you can cover them.
  • For late bills, call each company and see if you can work out late payment arrangements. Many companies, especially in this economy, are ready and willing to work with their customers.
  • Cut down on your daily expenses, such as: dining out less often, buying used instead of new, and avoiding unnecessary spending.
  • Search for local community groups or government programs that offer debt relief.
  • Apply for a credit card cash advance with your credit card company. Be sure to be informed on all the fees that will be associated with the loan.
  • Never be afraid to borrow money from a close friend or family, especially if it's for short term purposes.

Who qualifies for a payday advance loan?

United States citizens who are over the age of 18-years are allowed to enter into fast cash loan agreements. The loan company will normally ask these people to have proof of employment for a job that pays over $1,000 dollars. Loan applicants will also need to have a checking account that will allow electronic funds to be transferred into the account. Proof of employment and the back account information are easily processes by the online pay advance services when the names on the job and on the checking account match.

How do payday advance loan systems work?

The payday advance loan services also ask their loan applicants to have a current email address that is listed under their names for the purpose of communications about pay advance loan activities. People with bad credit, zero credit, and really great credit can all qualify for the online cash advance short-term loans if all loan application criteria is met. Payday loan services offer the loan applicant a secure and private online experience that does not require offline paperwork to be faxed, or any communications made by telephone. Everything is done online for a very pleasant loan application experience.

Payday loans can be used on anything and everything imaginable. Since this money belongs to the person who took out the loan, they are free to spend their money on anything that they wish. Nobody ever asks any embarrassing questions about what the funds are needed for prior to the short-term loans being granted. Payday advance loan money can be used for personal emergencies, group fun, or for any other activity that requires some very quick cash between paychecks.

Bank Fees Vs. Payday Loans

Some of you may be more experienced and more practiced at money management than others making sure all bills are paid on time every month, full amounts paid to avoid interest charges on credit cards, keeping your credit rating as high as possible. From a financial perspective this is a great position to be in knowing that you have the cash flow to live the lifestyle you want without the worry and stress of having to make ends meet. What do you do, however, when you are hit with expenses that are totally unexpected?

There are times when almost all of us will be faced with this dilemma. It could be an unforeseen bill that has to be paid, an emergency repair to your home or car, a dental bill or hospital bill that was not planned for. Even the most vigilant of money managers can get caught with having to find cash quickly and not quite sure of the best option to take knowing that the bill has to be paid before the end of the month. For example you could:

  • Ask friends or family to lend you the cash until pay day.
  • Apply for a bank loan.
  • Get a no credit check payday loan

It can be very uncomfortable for both you and the friend or family member when asking if they can lend you money. This can place them in a very awkward position if they are unable to help even if they were prepared to. Also, if there were further unforeseen circumstances where you couldn't pay back the loan in full when you said you would could cause friction and ill feeling. If possible it is better to find an alternative way to raise the cash.

Bank Loan

The first point to mention is that in order to get a bank loan, usually, the approval process takes time and time may not be the luxury you can afford. If you need the cash immediately or as soon as possible the lengthy approval process will not work in your favor. The other drawback with a bank loan is that you will have to provide a lot more information and documentation compared to a payday loan for example.

The big benefit of a bank loan is that you are not obliged to pay the full amount back in one go thus you can spread the payments over a longer period. There is always a price to pay for the benefit you obtain. In this case it is likely that you will pay higher fees and higher interest rates than you would for a payday cash advance.

So even if you are not concerned about the higher charges the time taken to get approval may be longer than you can wait in which case a bank loan will not be of any help to you. In addtion, Bank fees are sky high these days when you bounce a check and do not have the money in your account to cover the outstanding checks. Payday Loans make more sense.

No Credit Check Payday Loan Payday loans continue to grow in popularity because they are processed very quickly and little documentation is required. Another very important reason is that the demand for payday loans in today's economic environment also continues to grow. For those of you who may not know what a payday loan is quite simply it is a cash advance or unsecured loan which is approved based on a few prerequisites. The process is straightforward and approvals are normally given within 24 hours if not sooner and the money is deposited directly into your bank account.

These have been designed especially for those of us who virtually need instant cash to meet an emergency. They are called payday loans because the expectation is that we pay back the full amount when we are paid by our employer.

You fill out an online application form providing some personal information, job information and your employer. Also, you should be 18 years old or over and be a salaried employee.

As long as you meet the requirements a payday loan could well be the best option for you to raise the cash you need very quickly. However if paying the full amount back on pay day will cause further financial difficulties you may need to reconsider your options.

Payday Loan Myths

Online payday loans are a perfect choice for people looking for a fast and convenient way to pay bills or cover unexpected expenses. Payday loans have been available for some time now to anyone who needs to get hold of cash quickly regardless of their current credit status.

This has made payday loans very popular because almost every other type of loan involves a credit check to make sure the requester has no history of bad credit or late payments. However, remember that payday loans should be paid back in full within a short period of time.

As popular and appealing as payday loans are, there are a number of misconceptions or myths if you will that surround payday loans.

Payday Loans Are Only For Those Who Are Struggling

Cash advance loans are a convenient short-term financial management solution that many people use to avoid bounced check fees, late payment charges, higher interest rates and to protect their credit ratings.

If you are of the opinion that payday loans and cash advances are only for those who are struggling, statistics show that the most typical users of payday loans are young, educated people with a full-time salaried job. Although the typical reasons for requesting a payday loan are emergencies and unexpected bills such as car repairs, household repairs medical expenses and so on, others will use this simple and quick loan arrangement to take advantage of an "opportunity" which they can't really afford right now and won't be available the following month after they have been paid.