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Payday Loan

A Tweaked Version of Payday Loans Being Offered in Limited Areas

Posted on November 1, 2012 by Kristy Lamar

A new spin-off from payday loans has filtered into Hispanic communities in Southern California and Texas. This new tweaked version of direct payday loans stems from a Stanford student, James Gutierrez. His business school project focused on single-digit interest rates for high risk loans to be paid off over 9 or10 months instead of just a few short few weeks. The new payday loan model is set up at a small kiosk within small Hispanic supermarkets. Agents offer unsecured loans to those who need some fast cash when there is little … Continue reading →

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Payday Loans and Debt Collectors Using Social Media Differently

Posted on October 31, 2012 by Kristy Lamar

Spotya! Online Payday Loans has connected with both customers and non-customers on social media sites. The use of Facebook, Twitter and LinkedIn has given the company access to share not only direct payday loans information, but also articles ranging from frugality to paying off debt. The payday loan industry in general has a bad name from those with bad practices, but social media has given Spotya.com an opportunity to reach out and spread the message that not all lenders are bad apples. The online payday loan company uses social media websites to help inform … Continue reading →

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Cutback Expenses Before Using A Low Cost Payday Loan

Posted on October 30, 2012 by Kristy Lamar

Is a payday loan online your only hope to make ends meet? Some people see that as a financial death sentence. Having bad credit is supposed to carry shame with it? Some people still think it is true. Since the majority of Americans are far in debt, the shame is no longer there. It is a problem throughout the county and affects people of all income levels. Bad credit is not a death sentence, but is a daily struggle. Good people have bad debt, and payday loans help good people on a daily basis. … Continue reading →

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An Ugly Payday Loan Story You Can Learn From

Posted on October 29, 2012 by Kristy Lamar

The payday loan online story is one similar to million others. A woman had just come out of major surgery and was looking for some help with payments. She went looking online and found an online payday loan company who offered loans in all 50 states. How many of you would have stopped looking at that particular website right then and there? How much do you know about the online payday loan regulations to know that no company is legally allowed to loan in all 50 states? Never mind the fact, the woman … Continue reading →

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Payday Loans Curbing Credit Hunger

Posted on October 29, 2012 by Kristy Lamar

Online payday loans are a great way to get some last minute help for on-time payments. There are times that the pressure to keep up with every payment, fill you gas tank and feed your family all with one paycheck, does not leave much room for anything else. Then one of those quarterly bills pops up in your mail. Where do you stretch your budget to find that money? Lots of people turn to low cost payday loans to cover the cost and pay it back with their next paycheck, while others turn … Continue reading →

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13 Ways To Steer Clear of Payday Loans Online

Posted on October 27, 2012 by Kristy Lamar

Steering away from direct payday loans is one of the best things you can do for your budget. If you are not scrambling to get fast cash because something extra popped up, then you are ahead of the game! Many people are living from paycheck to paycheck and find the need to apply for online payday loans when the expenses become too much to handle. It takes lots of hard work and dedication towards your finances to make changes for the better. Here are 13 ways to help your budget steer clear of direct payday loans. … Continue reading →

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Payday Loans Are Services Being Offered by Banks and Credit Unions

Posted on October 26, 2012 by Kristy Lamar

Payday loans have merged into bank and credit unions lending portfolios. These two financial industries have done so to keep up with the borrowing demands of the average person. So many struggling households and problems with debt have cut a large percentage of people out of the normal lending options. The big difference between banks and credit unions is that the credit union is a non-profit alternative. The credit unions are owned by members rather than shareholders for banks. This means that profits which are earned are reinvested into member services rather … Continue reading →

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High Payday Loan APR Confusion Is Explained

Posted on October 25, 2012 by Kristy Lamar

What is all the confusion about payday loans? The process of getting one is not confusing. There is an easy application which does not take much time to fill out. No credit check is another aspect which speeds things up. So if a person who has bad credit can still get help with a small short-term direct payday loan, wherein lies all the confusion? The misrepresentation of payday loan interest is confusing. Read a story about a payday loan online or from a storefront, it all reads the same; exuberantly high APRs create … Continue reading →

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More News On the Failed Payday Loans Initiative

Posted on October 24, 2012 by Kristy Lamar

The payday loans regulations may be off the ballot in Missouri, but the topic is not out of the news. There were two opposing sides, each with a story, trying to be heard by as many residents of Missouri. In order to get their initiative on the ballot, there needed to be a certain amount of signatures within each district. Because the group, Missourians for Responsible Lending did not make their signature quota, their initiative to harshly regulate the payday loan industry was never put on the ballot. Missourians for Responsible Lending have more to say on the … Continue reading →

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Gearing Up For The Holidays Without A Payday Loan Online

Posted on October 24, 2012 by Kristy Lamar

Will I be running to or running from online payday loans? It isn’t even October yet and I have already heard the words “Christmas shopping”. I may not be ready to start my shopping, but it is time to start planning financially. It’s time to start figuring out how many paychecks I have left until then and figure out a budgeted amount to be spent. Is holiday shopping a good reason to use an online payday loan? A responsible lender would not tell you that a low cost online payday loan would benefit your holiday shopping. These loans … Continue reading →

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