If you have to get a pay day loan most cash advance companies will tell you that you need a checking account. And when you get a payday loan most payday advance companies will say you have to pay them back within the next two weeks.

However, there are a number of ways you can get the cash you need, even without having a checking account. And there's a way to get up to 100 days to repay your loan once you get your money.

The first way you can borrow money is by going to your local payday loan company. The vast majority of them will lend you cash before you walk out the door. You might have to wait on line a little while. But you should be able to get the cash you need to deal with the financial emergency that you need to take care of.

There's another, easier way for you to get a payday loan, though. And there's a secret to getting it that most people don't know.

- The secret to getting money without a checking account is opening up a savings account and then going online and applying for a loan.

The reason this works is that more and more online cash advance companies are now offering loans to people who don't have a checking account if they have only a savings account.

Why Do You Need Any Bank Account at All to Get an Online Pay Day Cash Advance?

The reason that you need a bank account is that pay day loan companies will electronically wire the cash that you borrow directly to your bank account. Currently that's the only way you can get your money from them. So you will need some type of bank account.

And when the time comes to repay your loan they will debit the money that you borrowed from them - plus fees and interest - from the same bank account.

How to Get More than 14 Days to Repay the Loan

Payday loans are called payday loans because the cash advance companies that offer this type of service expect their customers to repay them out of their next paycheck. So they offer people up to 14 days to pay back their loans.

Fourteen days is not a heck of a lot of time. And it seems to come around rather quickly.

There are a number of payday loan companies that now offer their customers up to 100 days to repay the money they borrow. Of course you will still have to pay interest for the time you have the money, but you can get have up to 7 times as long to repay your loan with these companies.

Loan Applications Are Quick and Easy

It only takes ten to fifteen minutes for most people to fill out an online loan application. Then, depending on the company, it takes anywhere from one hour to twenty-four hours for you to get the money.

As soon as the money is in your savings account (or checking account - if you have one) you can immediately withdraw it. If you have a savings account , if you want, you will be able to use the debit card that the bank gives you when you open your account to get your money.

- Online payday loan companies don't care if your credit is good or bad. Their main interest is if you earn enough to repay their loans.

The loan applications are pretty basic. They even look more like questionnaires than applications.. Basically, they ask for your name, address, where you bank, and where you work.

How Can You Find Payday Loan Companies that Offer Long Payback Periods?

You may have to do a bit of searching on the Internet in order to find a pay day loan company that offers both no checking account payday loans and 100 days to pay them back. That's because some companies offer loans only to people with checking accounts and even fewer offer people more than 14 days to repay their loans.

However, if you really need the cash and have a savings account you will find plenty of companies on the world- wide-web that could help you.

Remember, though, that the interest rates that any payday loan company charges is often a lot higher than what most banks and other more traditional lending institutions charge.

For that reason alone most people will only get a payday loan when a real emergency arises. And even then, many of them will first compare the rates at a number of different cash advance companies before they apply for their loan. This way they will be able to get the lowest rates.