Jim Hughes | OpenCashAdvance

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Tax Credit vs. Tax Deduction

Best Practices

The distinctions between tax credit and tax deductions.

How Does Inflation Affect Interest Rates?

What is inflation, and how does it affect interest rates?

Top Financial Topics to Discuss with Your Family

The Link Between Crime and Poverty in the U.S. by State

What’s the link between poverty and crime? Emperor of the Roman Empire and Stoic philosopher Marcus Aurelius Antoninus (121-180 A.D.) said poverty is the mother of crime.

What Should I Know About Guaranteed Bad Credit Motorcycle Loans?

Loan Advice

Bad credit can be a debilitating part of the lives of many adults. Individuals are constantly worried about their interest payments and if they can meet all of their obligations.

More Information about Cash Advance Fees

Loan Advice

If you wait until you receive your cash advance loan to start thinking about the rates and fees, then you’ve waited too long. It’s important to plan for your funding before you request your money. Part of that planning should include you thinking about the total cost of the loan and figuring out how you’ll be able to pay it off on time.

Find a Christmas Payday Loan for 2021

Loan Advice

According to the National Retail Federation, shoppers will spend up to $859 billion on gifts, holiday items, and non-gift purchases for themselves and their families this year. That's up 10% from last year, showing that shoppers are more confident about spending this holiday season.

Financial Risk Definition and Its Types

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In some cases, the threat of financial risk can be predicted and mitigated. Familiarizing yourself with the types of financial risks can help you recognize them. Additionally, understanding financial risk examples may aid in managing them.

Cash Advance Phone Number: 1 (844) 675-7424

Loan Advice

In case you hadn’t heard, you can dial a number to request a cash advance loan. If you’re ready to call right now, pick up your landline phone, cellphone, or any other type of telephone and dial 1 (844) 675-7424. Read on for more information about using this loan request method. Read even further for general tips about this type of short-term loan.

CFPB Shifts Focus from Subprime Credit Cards

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Biden’s recharged CFPB is all staffed up and ready to take on a new agenda. Only a few years ago, the agency had a laser focus on subprime credit cards.

Moving Guide After Retirement

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For many working professionals, retirement is a huge milestone. It signals the end of your career and the beginning of a new chapter in your life — one with adjusted goals, needs, and, best of all, free time.

Payday Loan Stores Near Me Open Now

Loan Advice Best Practices

Two unfortunate truths: debt doesn’t go on vacation, and sometimes you need to find a payday loan store that is open on Sunday. A question may immediately pop into your head. Are there any payday loans open on Sunday near me? Maybe, but before you apply for funding, you should know that if you’re reading this on a Sunday, chances are you won’t be able to get your funds by the end of the day if you use a payday loan website.

Cheap All-Inclusive Resorts in the USA

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Ah, the good old days. Whether you were alive to see it or not, you know about it, the golden age of America: the 50s. Families were happy, industries were booming, people thought smoking was good for you, cars were at the height of their beauty, and life was, in short, but a dream.

How to Get Money Online

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How can you make an income online? Read below to learn more.

Business Cash Advance

Loan Advice

Here are some things you should know before you apply for this kind of small business loan.

Cash Advance Stores Open Sunday

Loan Advice Best Practices

According to the Consumer Financial Protection Bureau, if you have an online payment due on Sunday, you need to make that payment on Sunday. Some people think you don’t have to pay your bills on days without mail service.

Funeral Loans: The Complete Guide

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A death in the family can be a challenging time, not to mention the financial burden. We are here to help.

Food Quality vs. Service: What’s More Important for Restaurants

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What matters more: food quality or service? We discuss what restaurants value more, and what customers prefer.

Changing Careers from Military to IT

The information technology sector provides many opportunities for veterans who want to switch to a new satisfying career. This article will guide you through all the necessary information veterans need to make a smooth career change and succeed in the information technology industry.

What is the Debt Cycle, and How Do I Avoid It?

Loan Advice

Eighty percent of Americans are caught up in a vicious cycle of debt. They took out too many loans in a row, and now the interest looks insurmountable.

What Are Faxless Payday Loans and How Do They Work?

In the past, applying for a personal loan or cash advance might require you to fax the paperwork to a lender.

Valentine's Day Payday Loans for 2021

Loan Advice

Do you need a Valentine's Day gift for your loved one? Whatever you may be looking to buy, having additional money can help make the decision easier for you. Taking out a payday loan will help you pick out the gift for your Valentine.

Walmart Money Center: Services and Hours

What is the Walmart Money Center? It’s an in-store kiosk that customers can use for money transfers, check cashing, coin to cash converting, prepaid card reloading, check printing, bill payments, and other financial services. The company also has a website version of the Center, although to use many of the services you will need to go into an actual store.

Why the Bank Makes You Buy the Land Before Getting a Mobile Home Loan

Loan Advice

Millennials who want to own a home but struggle with student loans or don't want to spend tons of money often opt for mobile homes.

BlockFi Review: Borrow and Trade Bitcoin

Founded in 2017, BlockFi is a US-based centralized crypto-based company. It supplies a variety of financial services for both private and institutional customers. BlockFi interest accounts (BIA) is considered an excellent way to grow crypto holdings passively. It enables users to earn up to 6.8% interest annual percentage yield (APY) on cryptocurrencies deposited into their account.

The Pros and Cons of Having a Joint Credit Card

Loan Advice

Money issues can add stress to a relationship. That's why many couples decide to share and combine their funds and apply for a joint credit account.

How Coin Shortages Affect the Consumer

How have coin shortages affected the economy?

Payday Loans for Uber drivers: What to Know

Loan Advice

Being an Uber driver is a great idea when you are looking to make some extra cash on the side or when you enjoy driving full-time. You can set your own hours and work when and where you want.

COVID-19 Money-Management Tips: What to Do with an Inheritance

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Losing a loved one is a painful process. Often, people struggle with deciding what to do with the money their loved ones leave behind. For many, that process has only become more stressful as the COVID-19 pandemic continues to impact inheritance proceedings due to court closures.

How to Get a Cash Advance for Social Security Recipients

In any society, a significant percentage of the population lives on minimal income. In the U.S., some of these people rely on social security to meet life’s expenses. There are times when additional funding is necessary.

VantageScore vs FICO Score

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It's never been more challenging for U.S. lenders to make credit decisions. COVID-19 put the economy in a tailspin, and lenders are still unsure how to adjust their risk-assessment models to avoid customers who will default on the loan.

Beginner’s Guide to Free Investment Apps

Company Profiles

The pandemic has seen an all-time rise in investment app users, most of whom are young adults with little to no investing experience.

Top 6 Budgeting Tips from the Great Depression

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The Great Depression was a catastrophic time in U.S. history when unemployment reached 25% and bank failures eradicated many people’s savings.

Benefits for Disabled Veterans in the U.S.

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If you served in the U.S. military and are disabled, you may be entitled to certain services and resources provided by the Department of Veterans Affairs (VA).

What is Credit Counseling and How Does It Work?

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If you struggle with efficient budgeting to pay off debts, monthly bills, and other expenses, then it may be time to consider a credit counselor.

10 Super Simple Ways to Start Saving Money from an Expert

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I’ve always been a thrifty soul, even as a child. During my adult years of writing professionally for the financial industry, I have learned even more ways to save money. Most of these things are such a big part of my life that they have become second nature.

PayPal Pay in 4 Review

Company Profiles

This holiday season, we look forward to a hopefully brighter future. Home-cooked Thanksgiving meals, hot cocoa by the campfire on Christmas day, getting great deals on Black Friday, and many other things.

What is the Debt Snowball Method?

Is debt inescapable? That perception is true for most, as over 70% of American consumers die in debt. But, it doesn’t have to be that way.

How to Start a Business with a Low Budget

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Starting a business with a low budget may be a challenging feat, but it is not impossible. In this day and age, it is common for people to pursue their passions and interests outside of their nine to five jobs as a side project or small business.

Learn More About the Home Depot Loan

Loan Advice

Loans are everywhere. Whether you are looking to purchase a new car, a new home, or even a renovate the one you already own now, loans can be quick cash solutions.

How to Fund Your Home Renovations

Loan Advice

One fear shared by all homeowners is the need for home repairs. It's not hard to see why. Even exciting renovations are unnerving because of the money required.

How to Start Trading on the Stock Market

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Before you start trading stocks, there are certain things you need to know about the market before leaping in and investing your money.

Personal and Business Budgeting Tips During a Recession

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Economic patterns show that recessions typically occur every four years in the United States.

Home Loans for Single Moms

Loan Advice

Single parents can often feel monetarily strained and may find it difficult to navigate finances with only one income due to a lack of necessary funds.

Unsecured Business Loans: Pros and Cons

Loan Advice

Keeping a business up and running requires a constant flow of cash. This is important to maintain a constant flow of operations, as well as to cover any unexpected emergencies.

How to Plan an Affordable Honeymoon

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Each year, roughly 2.4 million weddings take place in the United States. And after these weddings, there are about 1.4 million honeymooning couples. In fact, among those who chose to get married, 99% will typically take a honeymoon following their nuptials.

Top 5 Online Personal Finance Classes

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Looking for a no-cost to low-cost family finance class? These online programs offer the best courses for helping you plan a better budget.

Do Student Loans Affect Credit Score?

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To help cover the cost of such steep higher educational costs, many individuals opt to take out student loans.

How to Protect Yourself Financially From the Impact of the Coronavirus

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The novel COVID-19 continues to have an impact on communities across the United States, as the number of diagnosed cases in the country surpassing 15,000 at the time of publication.

What to Look for When Buying a New Home

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Buying a house can be simply put, exhilarating and overwhelming. It’s exciting to finally have your very own place to call home, but it’s also a huge step in your life.

How to Manage Finances in Marriage

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According to a survey from Ramsey Solutions, the number one issue that couples fight about is money. Their arguments seep from debt and a lack of communication. Money issues are the second biggest cause of divorce, behind only infidelity.

Protecting Yourself from Credit Card Fraud

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About 14.4 million Americans fell victim to identity fraud in 2018, according to the 2019 Identity Fraud Study from Javelin Strategy & Research.

What is a Finance Charge?

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A finance charge is a charge placed on your account if you fail to make your payments on time. It may also include interest charges and other fees that lenders charge borrowers, depending on the type of loan they choose.

What Age is Early Retirement?

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Early retirement age begins at any age before 65. If you decide to retire before this age, you will need to find another form of health insurance coverage, as Medicare is not provided until you reach the age of 65.

How to Find Cheap Flights: An Ultimate Guide

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When comparing the cost of flying to driving, it’s important to consider all the fees involved.

How to Improve Your Credit Score

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There are several steps you can take to build your credit score fast. Firstly, check your score online to see what factors are affecting your credit.

Estate Planning Checklist: Your Full Guide

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Despite the importance of having a post-mortem financial plan, a recent survey found that only four in 10 American adults have estate planning documents and that 64% of Americans have not made a will.

What is a Tribal Installment Loan?

Loan Advice

Tribal installment loans are short-term personal loans that borrowers pay back in installments within a defined amount of time.

What is Predatory Lending?

Loan Advice

Predatory lending practices rely on charging consumers many times the original loan amount in interest and fees. These lenders never have the consumer’s best interest in mind, and it is always best to avoid them.

How Does a Joint Account Work?

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A joint account is a shared bank account between two individuals. Having a joint bank account makes it easy to deposit and withdraw money and provides both account holders full access to the shared account.

What is the Cheapest Way to Move Across the Country?

About 35 million Americans move each year. While most of them might not leave their county, let alone the state, about a third of them move to a different county or state.

3 Tips to Deal with Financial Stress

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Most Americans are going through the wringer when it comes to financial stress.

How Much is Private Health Insurance?

Loan Advice

Millions of Americans are not lucky enough to have free health insurance.

How to Stop Living Paycheck to Paycheck

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A 2017 survey conducted on behalf of CareerBuilder shed light on some surprising facts: the percentage of Americans living paycheck to paycheck was 78 percent, with women, at 81 percent, struggling slightly more than men, at 75 percent.

Why Couples Need Separate Bank Accounts in Marriage

Loan Advice

The modern marriage is different than it was only a generation ago.

How to Use an Installment Loan to Build Your Credit

Loan Advice Best Practices

A credit score is a number that reflects an individual's history of debts and repayments. Low credit scores can be caused by missed payments, high amounts of existing debt, or a lack of borrowing history.

How to Avoid Typical Bank Fees

Loan Advice

Your bank makes a fortune off your money. They don’t just keep it in a vault and let it get dusty.

Can You Get a Payday Loan with No Employment Verification?

Loan Advice

Borrowing money is the easiest and hardest thing in the world. It’s easy to ask for a payday loan with no employment verification. You might even get the money if you can prove you generate revenue.

How to Apply for Online Installment Loans in Texas

Here is some important advice for anyone looking to find information on installment loans: Be careful.

How Should You Refinance Your Installment Loan?

An installment loan is a fixed-rate, closed-end form of credit that you pay back in portions over time. Technically, any loan not paid in full all at once is an installment loan.

Tax-Free Weekend 2019 -- What Your State is Doing for the Holiday

In total, there are 18 states nationwide that participate in a tax holiday every summer. They provide tremendous benefits for consumers that are searching for relief in school expenses, clothing, and other situations.

How an Inheritance Advance Works

Loan Advice

If you expect to inherit money, property, and other assets after the death of a loved one, the money can be a comfort, an unexpected windfall, or something you've expected for a long time as a legitimate beneficiary.

EarnIn Payday Advance App Review

For U.S. consumers who are short on cash before payday, a cash advance serves as an option for quick money sent directly to the bank account. The EarnIn cash advance app makes borrowing from yourself even easier, and with next-business-day funding or sooner, it’s one of the fastest options out there.

Finding a No Monthly Fee Bank Account

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When choosing any bank account, it’s important to consider the fees. Always ask the bank how much they charge to maintain your account.

How Long Do Late Payments Stay on a Credit Report?

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A credit report is used to determine credit eligibility. The report includes personal details, such as one’s home address, Social Security number, and date of birth.

Can I Get a Same Day Payday Loan?

Loan Advice

You see it all the time – big digital banners promising you a same day cash advance. Is it too good to be true?

Rental Loan -- Borrow Your Full or Partial Rent Amount

Millions of Americans currently rent their homes or apartments, hoping each month that they can make their rental payment.

How to Make Extra Money Even with a Full-Time Job

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Since time is more valuable than money, when one is able to free up more time, it gives them the ability to focus on how to make extra money.

Payday Loans for Lyft Drivers

Loan Advice

Finding ways to make extra cash can be exhausting, so it’s a real shame when something goes wrong with one that was working.

How to Get Vehicle Registration Loans

Loan Advice

Non-traditional lending options are growing by the day, offering solutions like vehicle registration loans for individuals who have limited options for emergency cash. These loans are similar to title loans, but they do not require the title to be clear.

Cost of an Emergency Room Visit

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Fear of your emergency room visit cost should never keep you from getting the medical care you need. If you think you need to see a doctor, you should make it happen, no matter the expense. That said, it helps to know your emergency room cost so you can plan for it.

7 Biggest Mistakes People Make with Payday Loans

Loan Advice

Living means making mistakes. Albert Einstein once said that a person who never makes a mistake never tries anything new. Moreover, Stephen Covey said that the proactive approach to a mistake is to quickly acknowledge it, correct it, and learn from it.

Check Into Cash Promo Code

Company Profiles

The most popular Check Into Cash promo code searched for online is the pre-approved voucher. The problem is that the voucher isn’t available to just anyone.

What is the Cost of Owning a Car?

Loan Advice

Missing the bus can make a bad day a whole lot worse. It’s enough to make you never want to ride again. You may even consider the true cost of owning a car. As you look for ways to free yourself from the public transportation system, it’s wise to consider all the expenses that go along with driving.

What Is a Tax Refund Cash Advance Emergency Loan?

Loan Advice

Can I get a loan against my tax refund? It's a question often asked by people who are in financial trouble, especially if you know your refund is only a few weeks away. In truth, many can get tax refund cash advance emergency loans with relatively little effort, especially if you have a sizable return on the way.

What Credit Score Do You Need to Rent an Apartment?

Loan Advice

There are always roadblocks to finding a new place to live. You've got to find the right place in the right location, and you have to rent at the right time.

Do Instant Payday Loans Really Exist?

Loan Advice

When you need cash in a pinch, time is never your friend. Hurry as you might, it’s not always possible to find an instant payday loan.

Average Interest Rates for Payday Loans

All the people who have gone to the appropriate kiosk to get a payday loan have likely asked themselves the same question: "How is the interest rate on a payday loan calculated?" Shortly thereafter, they ask themselves, "How much is it going to cost me to get this loan?"

Can You Have Two Payday Loans at Once?

Loan Advice

Sometimes the need for cash can extend beyond just one payday loan. When that happens, you will likely be better served by a financial product with a longer loan term, as paying off two payday loans on your next pay date may be too much of a strain for your budget.

What Is a Second Chance Payday Loan And How Much Can You Borrow?

Loan Advice

Almost everyone has had a financial crisis at one point or another. Maybe you are living paycheck-to-paycheck, barely able to pay on your bills when an unexpected crisis happens.

How to Get a Cash Advance Without Bank Account?

Loan Advice

You’re out of money, and you have no checking account. An emergency has come up. If this describes you, please read on. We’re here to help.

What to Expect If You Are Unable to Pay Your Payday Loans Back?

Loan Advice

Payday loans are meant to be short-term loans that help individuals cover major expenses when they don't have access to money.

How to Borrow Money with Bad Credit and No Collateral

Loan Advice

When you need to borrow money, but you do not have any collateral to your name, the process of seeking out a loan can quickly become stressful and overwhelming.

How to Get Payday Loans on Weekends

Loan Advice

Murphy's Law must state somewhere that it will be a weekend when you suddenly need emergency cash.

Finding The Best Used Car Loans

Loan Advice

Even when the trunk is empty, a used car comes with an awful lot of baggage. There most likely won’t be a warranty, and any mechanical or aesthetic issues become your problem the second you sign the paperwork. So, how do you protect yourself from the worst case scenario? There are a few things that you can do to lessen the chance that you are buying a lemon.

Why Did You Get Denied For Your Payday Loan?

Loan Advice

Most of those who choose to take out payday loans do so because they have an immediate expense that needs to be immediately paid. From urgent travel needs to emergency medical bills, these are the types of issues that require quick payments and even quicker loan processing.

Tribal Payday Loans

According to the FDIC, access to financial services continues to be a significant setback for many people. About 65 million adults are struggling to receive credit, banking solutions, and other similar services.

Black Friday Payday Loans -- Request Yours Today!

Once a year, retailers pull out the stops and offer monster, “doorbuster” discounts. It’s how stores entice shoppers. If you shop smart, Black Friday can help you spend less on big holiday gifts.

The Average Cost of Living in the US

The annual cost of living for an average household in America is $63,784, according to the U.S. Bureau of Labor Statistics. Where does all that money go? Look at the infographic below to see where Americans spend their hard-earned cash.

Best Personal Finance and Budgeting Apps

Good money management should be a personal priority for everyone. Thankfully, technology has made it easier for anyone to budget their money, make smart investments, and monitor their bank account. However, not all budgeting and personal finance apps are built well. Instead of letting you download and later uninstall all sorts of apps, we've taken the guesswork out of the equation by listing the seven best personal finance apps of 2018.

How to Pay for a Dental Emergency

Loan Advice

Visiting the dentist, even for a routine checkup, can bring with it an unbearable sense of dread. When we need emergency dental work, the dread goes through the proverbial roof. The immense pain is more than enough to send shivers through our spines, but when the physical pain ends, the financial pain takes over.

Emergency Cash for Pet Care

Best Practices

They say pets are part of the family and if you have ever brought a pet into your home, you know what that means. We spoil dogs, cats, and even rabbits like we spoil our children. The same devotion to ensuring optimal health also is important for pet owners and when one of our pets comes down with a serious illness, no expense is too great to make Fido or Felix feel healthy again.

Emergency Cash for Bad Credit

Loan Advice

Nearly one-third of American consumers have bad credit scores. Having a score that is less than 600 will make it difficult to find funding. This article examines how to obtain emergency cash for bad credit. Look out for tips on how you can turn your bad credit situation around.

Emergency Cash to Pay Rent

Loan Advice

It is one of the emptiest feelings we experience in life: the possibility of receiving an eviction notice, with no other place to live. The prospect of homelessness creates a sense of desperate urgency. The clock is ticking to the first of the month, and the only way for you to meet your monthly housing obligation is to find a source for emergency cash to pay rent.

Emergency Cash for the Unemployed

If you haven’t prepared for the loss of income caused by unemployment or you cannot rely on friends and family members to pull you through the inevitable financial crisis, you have several options to consider for emergency cash. The option you choose depends on the length of your unemployment, as well as how long you have before the serious bills (mortgage, medical, education) start flooding the family mailbox.

Emergency Cash for Single Mothers

Trying to get by financially and raise a family on one income can be difficult. The financial burden for single mothers is very real. Even if a single mother does not experience the loss of a job, she can face countless financial emergencies that range from paying to repair storm damage to taking care of unexpected medical expenses. Whatever the reason for the dire consequences caused by a major financial hit, a woman raising a family on her own might need to tap into sources of emergency cash for single mothers to ride out a financial storm.

Phone Screen Repair Loan

How many times have you accidentally knocked your cell phone from a table, locker, counter, or even from the top of a washing machine and the phone screen shattered into dozens of pieces?

Cash Advance No Credit Check – Not Going to Happen

One of the most frequently asked questions about online payday loans is if you can get one without a credit check. Let’s be very clear about this: no, you cannot. It’s practically impossible to get through the short-term loan request and application process without someone checking your credit score. Some reasons customers want to receive funding this way include:

Payday Consolidation Loans

Loan Advice

Debt is expensive – but one way to spend less on money owed is by combing your debt with a payday loan consolidation program. Read on for information about new companies in this growing industry.

Your Step-by-Step Guide to Getting Out of Debt in 2018

Best Practices

Debt. The word itself is heavy. It’s like having a mountain on your back and being asked to carry it like Atlas. In America, pretty much everyone has some debt. 65 percent of Americans have mortgage debt totaling $8.74 trillion. But mortgages are considered an acceptable debt. However, many Americans also face rising consumer debt along with student debt.

Cash Advance Loan for Taxes

Everyone waits until the last second to file their taxes, whether they owe money or not. It’s a bad plan for the three-quarters of Americans who will enjoy a refund this year, as the sooner they get their money, the sooner they can put it somewhere it will accrue interest (and that’s not Uncle Sam’s pockets). But it’s understandable for the rest of us to hold on to our money as long as possible before handing it over to the IRS. If you don’t have the money on hand, you might need to use a payday loan to pay your income taxes and so you can file your 1040A Individual Income Tax Return.

What the CFPB’s New Measures Mean for Borrowers

The Consumer Financial Protection Bureau is an agency created by Dodd-Frank (the Dodd–Frank Wall Street Reform and Consumer Protection Act). It offers financial protection to consumers. While it mostly deals with mortgages, credit cards, and student loans, it also covers short-term lenders (like payday lenders), installment loans, and debt collectors.

CashNetUSA Review

Company Profiles

Read our blog for an in-depth look into CashNetUSA’s prequalification requirements, application process, financial products offered, and more.

Checks Unlimited Review

Company Profiles

There is no shortage of websites that let you purchase checks online, but not all of them are reliable or reputable. ChecksUnlimited.com is a BBB (Better Business Bureau) Accredited Business with an A+ rating which provides personalized checks in the mail for personal accounts. In addition, there is also a Business Products Division through which the company offers business checks and a range of other business products.

Paycheck Advance Near Me

Loan Advice

If you need money now, then you might benefit from a paycheck advance. It’s a type of short-term loan that you pay back when your employer pays you.

Not Payday Loans – Cash Advance Alternatives

Loan Advice

There are plenty of reasons not to get a payday loan. For one thing, it’s an expensive way to borrow money. You’re better off using a cash advance alternative that can still get you fast, emergency cash.

Storefront Lenders Vs. Online Lenders

Loan Advice

You might be better served by an online loan even though it probably won't put money in your account until at least one business day after you request your funds.

Cash Advance Stores Open Late

When you’re trying to find a payday loan during afterhours, you might need to forgo your local stores and go with an online option instead. If you’re looking for a cash advance store that’s open late, then it might help to know what your options are. That’s why we wanted to compile some data for you about locations across the U.S. and what hours they tend to be open at. If you want to request a cash advance right now, you can use our online form and be paired with a lender within a few minutes.