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Maryland Payday Loans

All across the state, people are faced with less income and greater expenses. In fact, these issues plague our whole country! So what happens when we have an emergency but our savings have been depleted?

Payday loans offer a simple alternative to going to friends and family to try to borrow money for those tight spots in between paychecks. Intended to be a short term financing solution, payday loans are small loans that can be borrowed for one full pay cycle before being paid back in full with your next payroll deposit.

Credit Score Concerns

Along with job loss and existing debt people are also dealing with lowered credit scores. It is not uncommon to find late payments, collection items, or even bankruptcies on consumer credit reports. Historically, when dealing with banks or comparable financial institutions, if your credit score wasn’t top notch it would be next to impossible to get approved for funding.

Maryland payday loans often do not require credit checks during their application process. Because the amount borrowed is so small and intended to be paid back in one payment, cash advance companies are generally not concerned with what shows up on your credit report. By requiring automatic withdrawals for their payments, cash advance companies are able to go right into your bank account when your paycheck comes in to take their payment immediately.

How do I apply?

Applying for cash advances in Maryland is easy. The two most common ways to complete an application is online or in person. When applying online you are able to do so from the comfort of your own home, usually in as little as 15 minutes. Of course, because you are completing your application electronically you do have to wait for your cash advance to be deposited into your bank account, sometimes taking up to 24 business hours.

When applying for a payday loan in person your appointment may take up to one hour. The requirements and application are essentially the same either way, but filing paperwork in person takes longer than electronically completing a file. The benefit to applying in person is that many companies will be able to supply you with cash in hand as soon as you are approved, or they may cut you a check. This means you get your money faster, which can be detrimental in emergency situations.

Common Uses for Cash Loans

Payday loans are completely flexible, and can be used for any short term financial needs. Some of the most popular reasons to use payday loans in Maryland are:

  • Buying prescriptions
  • Medical costs
  • Family illness
  • Unexpected travelling
  • Vet expenses
  • Auto repairs
  • Home renovations or repairs
  • Delayed insurance or vacation payouts

No matter what the reason and what your credit score may be, Maryland payday loan companies are here to provide you with an easy solution to emergency cash flow issues. If you’ve found yourself in a difficult position and need cash fast, consider applying for a cash advance today.