Kicking the Credit Card Habit Using a Check Cash Advance Instead

If you’re smart and lucky, you live within your means.

Smart, we’ll assume – you’re here reading this, right? But lucky – eh, you can check with a fortune-teller, but if you’re like just about everyone else there is an emergency expense that comes along every now and then that cannot be anticipated. If that expense is greater than the funds you have available, you need to have a plan.

For millions of well-intentioned, frugal people, that can mean going to the old credit card to push that expense to another day, another month or perhaps even another year. But we all know what a trap that can be – with the difficult economy, credit card balances can mean compounding costs that increase your financial burdens. You might not even have a credit card, either because you failed to qualify for one or the card or cards you had are at their maximum limit.

So what’s the alternative for finding emergency money when you just don’t have any cash to spare?

A check cash advance can even out the rough spots.
If you have a job, you have a credit card alternative through paycheque cash advance loans. For example, say your next paycheque is worth £1000. You are short of £300 for a car repair. Through a cash advance loan, you can get that £300 to get the car fixed now – the money arrives within one hour – so you do not need to wait a fortnight to get your car back. (Perhaps you could use a bicycle in the interim, but that might not work so well in January.)

For the paperwork averse, paycheque cash advances are an answer to a prayer. The online application takes as little as five minutes to complete. And you can do it anywhere – from London to Edinburgh, Manchester to Glasgow to the Isle of Skye. You just need a personal computer. There are no faxes required, and phone calls to customer service are necessary only if that’s what you prefer.

Note that unlike with a credit card, this small loan will be repaid rather quickly. It is done automatically through a preauthorised withdrawal from the same bank account where the loan is received.