Short-term, single payment loans known as cash advances (or payday loans) have grown in popularity, especially for those living from paycheck to paycheck (throughout the state of Nebraska as well as the entire country) and have had a small financial emergency without the finances to pay it. Nebraska has nearly 200 cash advance storefronts across the state.

Such an emergency might be that your vehicle won’t start. You realize the problem is a dysfunctional starter. You don’t have the cash to fix it this week, but if you don’t get a new started installed, you’ll have no transportation to and from work. With the risk of losing even more money, and perhaps even your job, a cash advance is the ideal solution.

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Cash advances are granted with the information from your paycheck (gross and net pay, etc.) instead of your credit report, so if your credit is bad, you will probably still qualify. These loans are small in dollar amount (usually under $1,000) and short in term (paid in full within a month). Utilizing direct deposit through your employer can help to increase your loan amount.

Post-dated checks are one of the most popular repayment choices for cash advance lenders. The borrower writes out a personal check to the lender, dated with the loan due date, in the full amount of the loan plus all applicable fees. The lender deposits the check on the loan due date and keeps the fees.

Nebraska payday laws allows all involved parties some protection:

Maximum 31 day time frame.
Maximum fee of $15 per $100 borrowed.
No rollovers allowed (paying one cash advance with another).
No more than 2 loans out at one time by any borrower.
$15 fee will be attached for any post-dated check returned unpaid.

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* Cash-Advance-USA.org provides information and research on cash advances/payday loans. We are not a payday lender or broker, nor are we necessarily affiliated with the companies profiled on this site. Not all products and services are available in each state.