By Kevin Nani Rowe


I often hear about cash advance loans online from my colleagues at the office, but I was skeptical back then. For one thing, my credit history is not exactly praiseworthy. But when I found myself in a bind a few months back, I became a believer of these short term cash loans.

One time, I drove for 5 hours to a neighboring town to attend my friend's beach wedding and to spend the rest of the week there with my buddies. My car acted funny en route, so I dropped it off at a local repair shop. I was told that my sparkplug needed replacement to avoid damaging the catalytic converter. I knew would cost me at least $300 for the sparkplug alone.

After vacillating for an hour I finally decided to get a short term cash loan because I only had enough money to spend for my short vacation and for the rest of the month. I was bewildered by the number of web-based lenders when I researched for cash advance loans online. One result which really caught my attention was payday loans with no credit check. I followed the link and read through its FAQs and consumer opinions.

I rang one of my colleagues to ask about which lender he borrowed from online, and as luck would have it, he recommended the same site I had been browsing. I completed the personal and employment details on the encrypted application form. I instinctively knew that I should borrow sensibly since payday loans with no credit checks have much higher APRs compared to regular ones, hence I only borrowed the amount I needed, which was $300. I clicked submit, and in 10 minutes I got a call from a representative who verified my details and discussed the loan terms with me. I was also instructed to sign, scan, and send a document which detailed the said terms through email.

The lender confirmed receipt of the said document and told me that the money will be wirelessly transferred to my bank account in 2 hours time. I was amazed when I received the money in my bank account in 2 hours. I got my problem-free car the next morning and had a great time with my buddies.




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