Are you currently short on cash and don’t quite know how you will be able to spoil your other half? While having the cash blues can be stressful at this time of the year, you may be happy to know there is a solution for you.

If you currently have a job and receive regular paychecks, you can take advantage of a payday loan, also sometimes referred to as a cash advance. Just in case you aren’t familiar with such a loan, it is considered non-traditional that doesn’t require a credit check or stellar credit score. In fact, you can even qualify if you have filed bankruptcy or foreclosed on your home.

A payday loan differs from a traditional loan in that — when you borrow $300, you agree to a fee and consent to having the full amount pulled from your account after your next payday. A traditional loan is normally granted if you have an acceptable credit rating and can be paid back over a period of time while accruing interest.

The Payday Loan Approval Process

Gaining a payday loan is quite easy. All you have to do is provide the following: (1) Two of your most recent paystubs, (2) Your most recent bank statement printout, (3) A government ID, and (4) A blank check.

If you’re wondering why you have to provide a blank check, you don’t have to worry. It is only utilized to set up the direct debit from your account after you are paid by your employer.

The key to success when utilizing a payday loan Huntington Beach to fund your Valentine’s Day is to make sure you have enough money in your account following payday.  If the direct debit fails, you will be responsible for additional fees and a high interest rate until the loan is paid off in full.

A Couple Cost-Effective and Creative Ideas for Valentine’s Day

If you haven’t figured out exactly how to spoil your loved one on Valentine’s Day, here are a couple ideas to get your creativity going:

• Cook an amazing meal at home, rather than going out to an expensive dinner. You can get as creative as you’d like and create an unforgettable evening!
• Create a scavenger hunt around town. You will be amazed at how much fun you’ll have as you offer up tons of surprises.

Wishing you an amazing Valentine’s Day!