I have discovered that financial problems happen at the worst times. If you need money fast, you can apply for a cash advance loan online and get the money you need in only one business day. A cash advance or cash loan is a short-term loan that is most often repaid back within 30 days or your next pay period, whichever is sooner. Getting a cash loan is very easy. In order to qualify for a loan, you must be 18 years old or older, have an active savings or checking account, and be employed. When you apply for a cash advance loan, approval is very fast. Most lenders do not require a credit check. Essentially your job is your credit.  You can borrow up to $1500; however, the amount you are approved for maybe affected by your income and/or state laws. Most states do regulate payday loans and unfortunately some states do not permit cash loans. If your state does not allow cash advance loans, a good alternative is a personal loan. Personal loans do require credit checks; however, the pay back period tends to be a lot longer than a cash loan. In most cases you can take up to a year or two to repay back a personal loan. As a result of the poor economy and financial sector, it can be hard to get approved for a personal loan even if you have good credit; however, there are still many online vendors, such as sonicpersonalloans.com, that provide personal loans. To recap, personal loans as well as cash loans are a great way to get cash fast. If you have bad credit a cash advance loan may be the only option because no credit checks required and you have the cash in only 24 hours. If your excellent credit, personal loans are a good fit because you will be charged a reduced interest rate and you can take up to 2 years to pay back the loan. To apply for a payday loan visit Fidelitycashadvance.com. They work with a network of over 100 lenders ready to fund your next payday loan or cash advance.