DollarsDirect.ca is a fully-licensed lender in British Columbia as well as Ontario, dedicated to responsible lending practices for Canadian residents.

However, our advice is to consider any other options first, such as getting an advance from your employer directly or borrowing from a family member or friend. Payday loans are expensive, and even more so if you cannot repay on time and need an extension.

US residents can borrow up to $1,000 from companies like Safe Online Cash.com and up to $1,500 the same day at OnlineCash911.com.

Not all American states allow their residents to borrow money this way. For Canadian residents, loans are available in British Columbia and Ontario. See related post.

Qualifying is easy and you don’t need to worry about your credit. Most lenders will offer you a loan if you:

• Currently have a job (or receive regular income);
• Make at least $800 per month;
• Are 18 years of age or older and a US citizen;
• Have a checking account.

Even bankruptcy, bounced checks, charge-offs and other credit problems won’t stop you from getting the cash advance you need.

A cash advance is given up to £750 in the UK without the need for credit scoring.

Whilst most people take out a bad credit unsecured loan to help with an emergency situation (such as paying the rent or mortgage), it can be taken out for any purpose whatsoever. Unlike a conventional loan, the lender is not concerned with why the borrower needs that money.

To qualify for a Payday Cash Loan, the applicant:

• Must be a resident of the United Kingdom;
• A minimum of 18 years of age;
• Should be in full-time employment in that country;
• Should have a  valid current bank or checking account;
• Must supply at least two forms of identification, such as a drivers license or passport.

A loan could be granted within a few hours or the next day if the above criteria can be met and will be offered typically for up to one month – until the next payday.

The interest rate on a payday cash loan varies considerably between providers. This type of loan is convenient but certainly not cheap. Typically, a loan for $1,000 or pounds will accrue 20 to 25% interest each month. Although this might be seen as usury (lending money at an exorbitant rate of interest) by some, it is relative to the risk faced by the lender, as there is no collateral required for these loans.

Pay Day Loans serve a need for those who need cash in a hurry and are prepared to pay for it when there is little alternative.

Apply for an instant loan in the UK from PayDayBank.co.uk.