Payday Loans in Grand Junction, CO | Cash Advance in Grand Junction, CO
Grand Junction, CO Cash Advances Online
Are you experiencing money problems? Do you just need a small cash advance until your next pay to tide you over? Do you need cash for an unexpected expense? Then an online payday loan can be the solution for you.
A payday loan (also referred to as a cash advance) is a small loan that is an advance against your earnings on your next payday. It can be an excellent tool to help with unforeseen or unexpected expenses such as: seasonal expenses like gifts during the holidays, costs associated with back-to-school for the kids, and car or home repairs that need to be done quickly. Payday loans are not great tools for long-term or larger purchases of a home, car, or truck. Payday loans should be used for helping you stretch your purchasing power to cover small, unplanned expenses.
At Direct Payday Loans, we pride ourselves on our speed in connecting you with a lender. In most cases, submitting your information through our site will only take a few minutes of your time and you can get cash the same day. After your information is submitted, you will be redirected to the lender’s website to review the terms of the loan, and if accepted, the funds will be deposited into your bank account as soon as today!
Grand Junction, CO Cash Advances Online
Grand Junction is a town located in the Western Slope region of Colorado, not far from the Utah border. It is close to other towns including Palisade, Delta, Olathe, Mack, and Fruita, and is the most populous town in Mesa County. Slightly over 60,000 people live in Grand Junction, and the municipality remains a regional hub for farming, particularly of fruits. Top employers in the area include the Mesa County Valley School District, healthcare providers like St. Mary’s Hospital and Community Hospital, and governmental entities like Mesa County and the State of Colorado.
Despite this diversified economy, we know that even if you have a good job at one of those top employers, or even another great company like Starbucks, Home Depot, or Target, you can find yourself facing a cash shortage. The good news is that with a consistent paycheck, a payday loan can be a great way to secure cash quickly and get yourself back on firm financial footing.
How much can I borrow in Grand Junction, CO?
Payday loans or advances in Grand Junction can vary widely from as little as $50 to $1,000 or even more. The amount you can borrow will depend on several factors including your state of residence, the amount you need, your job history, and income. With a loan such as a home mortgage or auto loan, it traditionally is very difficult to underwrite and process the loan fast enough to get you the cash on the same day. These larger loans generally require a thorough underwriting process and a good credit score.
By applying with Direct Payday Loans, by comparison, you can access your much-needed cash rapidly and easily. We’ll connect you with local lenders who will be able to help out in this time of need.
Payday advances generally have far less difficult underwriting requirements than home or auto loans. Our lenders understand that you may not have a great credit score. In exchange for the cash that you need, a payday lender will charge you a small fee. The principal amount you borrow plus this fee will be due on your next payday.
With a fast & easy cash advance, you’ll be able to get the extra cash that you need prior to your next paycheck. You’ll be able to move forward with the things that matter to you, comfortable with the fact that you have the cash you need to cover your expenses.
With Direct Payday Loans, you’ll be able to:
- Review simple, clear terms
- Get your money in just a few minutes
- Access a quick payday advance of cash
- Get your loan without a paper check or fax machine
Faxless Payday Loans
Though many lenders still require you to fax in documents in order to verify your identity, we
believe this is an old-fashioned and slow way to do things. It’s often even hard to find a fax machine these days!
Instead, with our network of lenders, you’ll be able to get a loan without having to fax identification documents, which makes the process far quicker and easier.
A very important exercise to run through prior to taking out a payday loan is to think through the amount of cash that you will have when your next paycheck hits your bank account. In addition to paying back your payday loan, you will also need to be able to handle your normal expenses. For this reason, it’s important to ensure that you will have sufficient cash on hand to both pay your loan back and buy things like groceries.
Many lenders will allow you to “repurchase” or renew your loan, however we don’t advise this. Why? You can end up paying a lot more in the long run as your principal plus interest owed grows. Be sure to think through your financial situation prior to applying for a payday advance online.
Bad credit? Not an issue in Grand Junction
If you’re worried about not being able to get the cash you need due to a less-than-stellar credit score, don’t fret. A payday loan isn’t like a home or auto loan. A great credit score isn’t required. In fact, our lenders understand this and in many cases can lend to you even if you don’t have a credit score at all.
Instead of focusing on your credit score, our network of lenders will focus on other things including your work history, earnings, and other factors. Many of our lenders will not even utilize a credit check. However, keep in mind that if you are intending to borrow a larger amount (particularly above $1,000), it is likely that you will have to provide your credit information to the lender, and that they will use your credit report to make a lending decision.
Easy Online Application & Instant Approvals for Grand Junction Residents
At Direct Payday Loans, we’ve streamlined the application process and brought it online so that getting quick cash is a fast and easy process for you. In many cases, you can finish the application in just a few short minutes and get your cash on the same day. Click here to apply for a cash advance loan online in Grand Junction.
Make sure that you have the following things handy: your social security number, income source, and banking details.
Direct Payday Loans in Grand Junction CO: Money when you need it most.
Local Payday Loan Providers in Grand Junction
We are firm believers that the best way to get a payday advance is by applying online. Why? The biggest reason is that online applications make it far easier for you to compare rates and terms between lenders.
If you’re borrowing from a payday loan storefront, it is much more difficult to compare terms. In order to do so, you’ll have to drive between or call multiple lenders in order to determine how much they will lend you and what they will charge to do so.
By comparison, when using Direct Payday Loans’ technology, you’ll be connected with our network of lenders so that you can easily compare terms from the comfort of your home. Additionally, payday loan storefronts have an additional big cost–rent–that they likely have to pass on to you, the borrower, in the form of higher costs.
Still, we know some people may prefer to do business in person, and for that reason we’ve compiled a list of some of the top payday storefronts in Grand Junction to help you on your way.
Check Into Cash
Check Into Cash is a large, national provider of payday loans with a convenient location in Grand Junction. The company’s location is on Rimrock avenue and its online reviews are very positive. Reviewers specifically note that the employees at the location are top notch, and several of them mention having borrowed from the location many times over the past few years.
2546 Rimrock Ave #500
Grand Junction, CO 81505
Much like Check Into Cash, Advance America is a large, national payday lender with a presence in Grand Junction. While its location is technically located in Clifton, it’s still a quick drive from the center of Grand Junction. Its reviews online are also great, and reviewers note the location’s no-hassle lending process.
3225, I-70BL Unit D
Clifton, CO 81520