Fast Online Cash Advance
Personal, friendly & hassle-free! “CASH WHEN YOU NEED IT”, Direct Check has a fast online cash advance to help get you by until your next payday. Direct Check payday cash advances provide small, unsecured, short-term cash advances until your next payday. Direct Check customers choose a fast online cash advance to cover small expenses and avoid costly bounced-check fees or late payment penalties and other less desirable short-term credit options. Need Money Now? At Direct Check, you can come in and with no credit check, walk out with the “cash” you need, quickly, easily, and confidentially.
Cash When You Need It
A fast online cash advance is easy. A Direct Check payday cash advance was designed for you to be able to access “CASH WHEN YOU NEED IT”. When you need us most, we will be there. A Direct Check customer desiring a fast online cash advance with an active checking account and regular income simply:
- Reads and signs an agreement that discloses transaction terms
- Writes a personal check for the advance amount plus fee
- Immediately receives the advance in the value of the check minus the fee
No Waiting and Absolutely No Credit Check
To get a payday cash advance all you need is a checking account, 1 form of Identification, a current bank statement, and a current payroll check stub. Customer checks are held for an agreed-upon time period, usually about two weeks or until your next payday. After the end of that time, either the check is deposited or the customer returns with cash to reclaim the check. At Direct Check there is no waiting, no credit check, and there is a fast online cash advance waiting near you. We will help you make it to your next payday.
Need money now? Quick cash advances are always available in the following Nebraska locations:
Consumers Should Fully Aware of the Borrowing Terms
Customer checks are held for an agreed-upon time period, usually about two weeks. After the end of that time, either the check is deposited or the customer returns with cash to reclaim the check. (pending approval)
Nebraska and Federal law require payday and other small advances to fully disclose all rates, including annualized rates in large print on the advance. This ensures the consumers are made fully aware of the borrowing terms.
- The annual percentage rate is a Federal disclosure depicting what the fee would be if it were paid over the course of a year, or 26 times for a typical 2-week payday advance. This CANNOT happen in the State of North Dakota.
- State Law mandates you can not charge a fee to extend the advance. The advance must be paid in full and then a new advance can be taken out if needed at a later time. This makes the percentage rate a misquoted attempt at displaying the actual cost of the advance.
The formula for computing:
Finance charge, divided by the number of days, times 365 divided by amount financed.
Payday advance $15 fee (divided by) 14 days X 365 (divided by) $100 advance = 391 % Annual Rate NSF Fee on returned check $65 fee (divided by )14 days X 365 (divided by) $100 check amount = 1695% Annual Rate
This assumes only 1 check is returned in this time period and does not take into consideration the continuous overdraft fees applied daily. -The NSF fee assumes a $40 fee charged by merchants and a $25 return fee at the bank. -Many checks that bounce are for less than $100. A payday advance could prevent numerous checks from bouncing and preventing the additional fees.