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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » Can I get an emergency cash loan without a credit check?

Can I get an emergency cash loan without a credit check?

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There may be certain times in your life when you will need a sudden influx of cash. This may be due to pending bills after a month of splurging or it could also be due to an emergency situation in your family like a medical condition. In such situations, you need not worry anymore. You can get funds approved instantly in order to cater to your needs. at the most, the approval time might extend to 24 hours in case of higher denominations.

The cash advance can range from around $100 to up to $2000. instant emergency cash can be availed in certain banks worldwide at their branch network. For example, Citibank offers a cash advance of $250 for emergency needs in international locations. You can borrow the money for a period of up to a month. But if you fail to repay the loan, you will have to pay a penalty. You can however get the repayment period extended if you talk to the lender in advance. But in any case, you will need to convince the lender that you are capable of repaying the loan, unless it is an emergency instant cash approval from your bank.

These loans are approved without a credit check. But obviously they will carry a higher interest rate compared to traditional loans. This is what makes it a costlier affair to go for this sort of loan.

In order to get the loan, there are a few basic criteria that need to be met. The person who is making the request should be at least 18 years of age. The person should also have an active bank account in his or her name. in certain cases where the loan is of a higher denomination, valid income proof may be required. This income proof if required must show at least $2000 per month as a regular stable income. Tax receipts or income slips are valid income proof.

While looking for instant cash advances, always do a thorough research about the available options. but if it is a real emergency, for example if you are stuck in a foreign country with no money due to loss of your bank cards you can go with your personal banks emergency cash option. International banks like Citibank and HSBC will have branches in all major towns of almost all countries. This cash advance can bail you out of trouble without you having to spend more than a few minutes at the bank proving that you hold an account with them. But if you have more time, you can search online for better options which will give you lower interest rates.

  • Christiana

    BION I’m impsresed! Cool post!

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