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Tag Archives: online payday loan

Are Payday Loans Becoming A Way Of Life?

Posted on August 7, 2012 by Kristy Lamar

What’s going on with the payday loans industry? There are 12 million adults in the United States alone each year who are taking out at least one payday loan. This fact says a whole lot since the average user will take out at least eight loans throughout the course of a year.

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Cutbacks Are Avoided By Many Payday Loan Users

Posted on August 2, 2012 by Kristy Lamar

Is the ease of a payday loan online or store front location, keeping customers from cutting back on expenses? The payday loan industry has a bad reputation for targeting certain customers to fall into the “payday loan trap” but customers are trapping themselves

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UK Payday Loan Lenders Are Cleaning Up Their Acts

Posted on July 31, 2012 by Kristy Lamar

Payday loan lenders in the UK are working on a new code of practices for their industry and will soon unveil the details. There is effort being made into limiting the amount of consecutive payday loans in which a borrower can take out. This new regulation is set to protect those customers who cannot afford to repay a loan from taking out another. Many borrowers get caught up in a cycle of taking out new loans to repay old ones. The fees add up and the customers fall into a cycle of debt trying … Continue reading →

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Payday Loans Online In The U.K. Are Taking A Different Approach

Posted on July 29, 2012 by Kristy Lamar

The United Kingdom has created a peer-to-peer version of payday loans online. Here in the United States, people place their money into a savings account earning them a few cents in interest. This U.K. program has people earning up to 12 percent on their money. Some U.K. institutions are allowing people to use their money to fund peer-to-peer payday loan lending practices. How does peer-to-peer lending work? People place their money into an account which is used to fund payday loans.  Those who borrow the cash will repay their debt a week or two later paying back … Continue reading →

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Payday Loan Industry Not Involved With Current Lawsuits Against Banks

Posted on July 23, 2012 by Kristy Lamar

Some of the heat is off the payday loan industry as banks are being challenged for their overdraft fees. These fees are eating away at the income of struggling families. When an account balance is overdrawn, the banks cash in on the account holder’s error. The error could be for any amount and the bank would charge the same fee. Make the error multiple times without realizing that the account is out of money and get a fee for each overdraft transaction. Banks are now being challenged for this billion … Continue reading →

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Online Payday Loan And Payday Loans Are Heavily Regulated In WA

Posted on July 19, 2012 by Kristy Lamar

The state of Washington has some clear regulations when it comes to online payday loans and “brick and mortar” locations. For store locations, a customer would write a check which is then held until the end of the loan period.  When it is time to pay, the customer can use that check or bring in money to pay off the loan. An online payday loan does not hold a check, but will have direct access to debit a bank account.

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Offshore Online Payday Loan Lenders Practicing Predatory Lending

Posted on July 19, 2012 by Kristy Lamar

Warnings for predatory offshore online payday loan lenders are in the news. What differentiates these qualified payday lenders from those found within the countries’ borders? What makes their predatory lending style different from those who do it from within the borders? Knowing the answers to these questions will hopefully keep borrowers from falling into their money traps.

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Work With Payday Loan Online Lenders

Posted on July 18, 2012 by Kristy Lamar

Living in a state which does not allow a payday loan online company to loan to the residents or banned “brick and mortar” lenders from opening shop, has not deterred individuals from attempts to obtain these short-term loans. If you live in a state which does ban the loans completely or at least heavily regulates the lenders, your access to fast cash can still be made by a transaction with an offshore company, a Native American based lender or by leaving the state. There are only a few laws which … Continue reading →

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Don’t Let An Online Payday Loan Become Your Emergency

Posted on July 17, 2012 by Kristy Lamar

The online payday loan managed to help you out of your financial emergency.  Now you are feeling another emergency brewing without any type of respite. I guess that is the definition of emergency cost; no planning, no budgeting, no breather in between money demands. Steps to take which will help get you out from an online payday loan gone badly. Breathe! There is no reason to panic if you are not able to recoup as planned. It does happen, so learn from your mistake and prevent it from happening a second time. If you don’t have … Continue reading →

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One U.K. Company Turns It’s Back On Payday Loans

Posted on July 17, 2012 by Kristy Lamar

Could payday loans prevent some consumers from receiving a mortgage loan? A sub-prime lender in the U.K. has taken a stance against lending money to customers who have taken out a payday loan within three months of applying for a home loan. A sub-prime lender gears their loans to include those with tarnished credit. Since many customers with similar credit will also turn to low cost payday loan companies for small loans, extra thought will need to be put into future lending opportunities. This information does not apply towards American … Continue reading →

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