There are a lot of positive and negative things you can do in an hour: Tell someone you love them (positive). Get in a fender bender accident (negative). Take time to visit someone who is shut in (positive). Learn that your bank account is running short before your next paycheck (negative). Get a cash advance on your next paycheck (positive). Decide you will risk being charged for non-sufficient funds in your paycheck because you don’t want to take 15 minutes to apply for a 1-hour cash advance (negative).

We suggest you take the positive route where it comes to finances (and with those “nice person” things too). A 1-hour cash advance is a fairly simple way to manage those times when the bills bunch up before your payday. You can borrow $200, $500, or maybe $1000 or more – depending on how much you make and which state you live in – from your next paycheck to smooth out those problems with timing.

15 minutes of just a little bit of effort

It used to be that to get a paycheck cash advance you would go to a payday loan store somewhere (online or nearby) and apply for a cash advance up to 3, 12 or 24 months. In addition to traveling there (negative), you often had to stand in line (negative), then discuss your money needs with someone through a thick glass window (negative) and the send some faxes later in case you didn’t have all your proper paperwork with you at the time (yet another negative).

But now there are online payday loans, where within one hour you will hear if your cash advance is ready. And the money arrives in a single business day, usually the next morning. Here’s what you have to do to get it.

• Find a 1-hour cash advance lender that will offer you the best terms. One site that works a lot like travel websites (it does the shopping for you) is www.ThePaydayPlace.com.
• Sign on to the lender’s website and check the terms (interest rates, fees, penalties for late payments) for yourself.
• Fill out the application (this is the part that takes about ten to fifteen minutes)
• Get your approval via email.
• Check your checking account the next morning – the money should be deposited overnight be ready to use.

The shopping part is important. Some cash advance companies are good at marketing their services, even if their loan terms aren’t the best for your situation – for example, should you pay the loan back in your next paycheck or the next two or three paychecks? Everyone’s loan needs are different.

One business morning to get your cash advance

Speed is the name of the game to anyone with a job and a household to maintain. You do not have a lot of time to hunt around for anything you buy or to manage financial matters. So you probably develop methods for managing these things through trial and error.

But if you’re in a situation where you need cash immediately, take heart. A reputable payday lender will be able to help. And what’s most important, the money is good for use as early as tomorrow morning.

Wouldn’t it be good to handle this today, setting up the loan so you have the cash tomorrow? You’ll sleep better tonight, tomorrow night and for the next month at least. You can prevent insufficient funds hits on your checking account. You might be able to purchase something you know you’ll need – an appliance, winter coats, car repair – when the price is cheaper, saving money in the long run. That’s what savvy financial management is all about, knowing when the time is right to make a bold move.

The past is the past – credit record not a concern

There is no traditional credit history report required with a 1-hour cash advance loan. The reason for that is simple: you are being loaned money on the basis of having a job. Consider it your reward for working – the lender knows you have a paycheck coming, and is willing to risk lending you that money because they know you have cash flow.

There is no collateral such as a car title loan required, either. Or loan co-signers. It’s a one-hour solution that only working people can use.