What do you do when payday comes three days too late to help you out of a financial jam? If you're like an increasing number of people, you turn to a provider like United Cash Loans to help you get through. United Cash Loans makes short-term personal loans of $100 to $500. Your loan is usually approved within hours, and you have your cash loan in your bank account the same day.

Who Qualifies for United Cash Loans?

Most cash payday loan providers don't do credit checks, and their requirements for issuing a loan are simple. In a nutshell:

- You must be 18 or over – old enough to sign a legally binding contract.

- You must have a verifiable source of regular income.

- You must have at least $1000 a month verifiable income.

- You must have an active checking account.

How Do I Apply for United Cash Loans?

Applying for an online cash payday loan is simple – but you still need to take it seriously. With most companies, you simple fill out a simple loan application form – it usually takes about two minutes. The form will ask you to fill in contact details and answer a few simple questions. A loan officer from the payday loans company will call you back within in hour to discuss your loan needs with you and see you through the remainder of the application process.

How Do I Get My Money If I'm Approved?

When you apply for most payday loans, you'll agree to let the loan company make an EFT deposit to your checking account. Other companies will send the money to you via Western Union.

There are a lot of unscrupulous companies out there. The attorney general's office recommends the following if you choose to apply for any cash advance payday loans.

1. Research the company before doing business with them. Make sure that you have a street address and telephone number where they can be contacted. Check online with the Better Business Bureau to see if there are outstanding complaints.

2. Read the terms and conditions of your loan completely to make sure that you understand what you are agreeing to.

3. Shop around to get the best deal for your payday loans. There's a wide variance in the amount of the borrower's fee that you'll pay to difference companies – from $12 to $30 per $100 borrowed.