Now that online payday loans are becoming a preferred means for getting cash early, more people are finding more reasons to “time-shift” their paychecks in order to cover their financial obligations in an optimal way. From California to Texas to Minnesota to Maine, ere are the top ten reasons why borrowers choose payday cash advance loans:

1. Money by tomorrow morning – If you apply today, you’ll have money in your checking account, ready for use, by tomorrow morning (business days, not the weekend).


2. Easy application – Instead of going to a payday loan store and spending a few hours, you apply online over the span of 10 to 15 minutes, max.


3. Safety with your money – Because the money is delivered in the form of a direct deposit, you’re not stuck carrying around cash money as you might do at a payday loans store in a shopping plaza.


4. Cash when you need it – It’s all about timing where it comes to money, and payday loans help you change the calendar, so to speak.


5. Auto repairs need to be paid upfront - A lot of borrowers use payday loans when they have a $1000 car repair that cannot wait (loan amounts vary by state, but some provide up to $1000-5000 in payday loans).


6. Banks no help – Realistically speaking, a bank loan is almost never available for things like car repairs and bill paying (and lately, things like home and small business loans are harder to come by as well).


7. Credit card companies shut people out – In recent years, it’s become increasingly difficult to get a credit card or to get a larger line of credit.


8. Family needs to take care of – The more people in a family, the greater the opportunity for emergencies (medical, auto, motorcycle, etc.). If you use your regular income to cover those, a payday loan can take care of the monthly bills.


9. Help you improve your credit score – Really good credit scores are hard to come by. But if yours is low, you can build it back up again by keeping current on bills as much as possible. A payday loan can help you hit the due dates in that quest.


10. Safety with information – The best encryption technologies available are used for payday loans. Your information, and your money, are secure.