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- Your information will be kept as secret. That means other people cannot see your information. The beauty of these lenders are they give you the advance you need from the comfort of your own home. It also helps you avoid costly NSF charges from your bank, additional late fees or penalties from your creditor, and this handy financial instrument can be made available to you on the next available business day if you are approved! The application process for many collateralized loans can be time consuming, taking weeks to be approved and the funds disbursed, quite impractical for those unexpected, immediate needs. For example, if your furnace should suddenly quit in the coldest months of winter, certainly such a delay in receiving the funds needed to replace it is not your most desirable option.