Need Emergency Cash? A Payday Loan Can Help

April 7, 2021 | Peyton Sawyer

need emergency cash get payday loan

If you’ve been hit by a large unplanned expense or your paycheck has taken a hit – then you might need emergency cash. And if you need emergency cash – then getting a fast payday loan might be the most optimal solution for you.

Of course, no debt should be approached irresponsibly. Adding to your financial obligations shouldn’t be your first choice, especially if you’re already experiencing financial difficulties. So before getting started, do determine if you really need to be getting a payday loan – or if there are better solutions to your money troubles.

How Do I Determine If I Need Emergency Cash Badly Enough?

When determining if you should apply for a payday loan, ask yourself 2 questions:

  1. How fast do I need to handle this situation? Will it escalate if I postpone?
  2. Will it cost more to handle the situation in the future if I don’t handle it ASAP?

If you can postpone dealing with the problem – even for a little while – then your first course of action should be attempting to get the cash together without going into debt. Readjusting your budget to save more, getting a side-hustle or a part-time job, even asking for a payroll advance could work.

Unless you really need emergency cash, because you can’t postpone dealing with the problem without grave consequences.

A dental problem would be a good example. If you have a little toothache, you may not think you need emergency cash. Many don’t – preferring to postpone the problem, sometimes for months at a time until the ache becomes unbearable because dentist’s services cost a lot.

But in the meantime, what could be a routine cavity procedure any decent dentist could handle in less than an hour, could turn into an emergency root canal – costing exponentially more.

The same goes for home repairs, car problems, vet bills, etc. If your problem is of similar character – then you need emergency cash and should apply for a payday loan.

Why You Should Apply For A Payday Loan If You Need Emergency Cash:

1. Payday Loans Are Accessible

Almost anyone can be eligible for payday loans. As long as you’re at least 18 years old, have some sort of income and an active checking account – you’re very likely to get approved.

You do, however, need to provide the lender with sufficient proof – so you’ll need to have a valid state-issued ID, your most recent pay stub as proof of income, and a blank check from an active checking account with your name on it.

Do make sure your required items are in order before getting started.

2. Any Type of Income Is Welcomed

Unlike traditional bank loans, your income source won’t become a reason for denying you the loan. Fast Payday Loans of Kentucky accepts and accommodates all sorts of income.

Provide the loan representative you’ll be working with proof that you’ve got one – and they’ll take it from there.

3. Your Credit Score Doesn’t Influence Your Chances

While the loan representative may perform a quick credit check – unlike with bank loans, the results won’t be influencing your approval chances.

Anyone can get a payday loan as long as they fulfill the lender’s requirement – and good credit isn’t on the list. You’re fully eligible not only if your credit is bad – but even if it’s outright nonexistent! Furthermore, the loan won’t be reported to any credit bureaus, so it won’t be impacting your existing credit score in any way at all.

4. You Get the Money FAST

When you need emergency cash, getting money fast matters. And when choosing between payday loans and personal loans from a bank, the decision may seem quite obvious - no loan can give you cash faster than a payday loan.

The entire application procedure typically lasts less than an hour – sometimes even half that. And, if approved, you’ll get the cash you qualified for (could be up to $500) the very same day.

Apply For A Kentucky Payday Loan From The Comfort Of Your Own Home!

Start the application process online without paying the store an extra visit:

  1. Go to the Fast Payday Loans of Kentucky website and submit the quick cash online form.
  2. Wait for the loan representative from your preferred location to contact you with further instructions;
  3. Take the required items – your state-issued ID, your most recent pay stub, a blank check from an active checking account in your name – to the meeting the loan representative will schedule;
  4. Let the loan representative evaluate your documents to determine if you qualify for the loan;
  5. Have them explain the process and ask any questions you might have;
  6. Complete the application process, get approved, and get the cash!

Remember, this entire process could last as little as 30 minutes – and you’ll be getting between $100 and $500 (depending on your situation) the very same day you apply for it!

If you need emergency cash, follow our lead with a fast and easy payday loan in Kentucky.