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For some it is usually the month of January while for others it could be the middle of every month. Some may need an instant cash loan for financial reasons while others may need it for more luxurious reasons such as buying an appliance or something similar. The company also has a fixed interest rate on all the loans they give which is of benefit because customers do not have to worry about the rates increasing. The client has to meet financial institutions demand such as he/she has to be of eighteen years, he/she needs to have worker id from previous six months, his/her earnings have to be no lower than $1000, he/she must be US citizen, and needs to have a US valid banking account for the deals.