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Tag Archives: payday lender

Are Payday Loan Lenders At The Core Of Mixed Financial Messages?

Posted on August 24, 2012 by Kristy Lamar

Payday loan lenders advertise easy cash to help with payments which cannot wait until payday. The online payday loan lenders did not create the initial debt or the living beyond income levels, so why do these lenders get the reputation for destroying people’s credit? It’s a mixed message deterring blame from one individual or company to another. Any legitimate payday loan lender would not go looking for a person to give a loan to, but just the opposite, the borrower searches out the lender. How are future generations learning to deal with money? Children … Continue reading →

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Managing Personal Finances To Prevent Needing Payday Lenders

Posted on August 17, 2012 by Kristy Lamar

There are many reasons why you should not borrow from an online payday lender, but when your budget is sinking

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Responsible Payday Loan Lender And Chase Bank Leading The Pack

Posted on August 13, 2012 by Kristy Lamar

It is not only payday loan lenders who are changing fee policies. many lenders change their rates as regulations change but there are some who are changing their fees to enhance their best practices with borrowers.  JPMorgan Chase bank has also changed their overdraft fee policy. On July 22, 2012, Chase bank implemented a new rule for their overdraft fee program. In the past, if your bank account was already under zero, and you stopped for a coffee, your account would be charged an overdraft fee. From now on, when … Continue reading →

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Payday Lenders Bid For More Respect From The Government

Posted on August 9, 2012 by Kristy Lamar

There are some large payday lender companies lobbying Capitol Hill and doubling their contributions pursuing an interest towards changing state payday loan online regulation laws. Not only is the online payday lender looking to have the regulations dropped, but they are pushing to have the “payday” terminology dropped from their firms. What is the problem with state regulation of payday lenders online? Online payday loan lenders must follow state regulations set in place to protect the residents of each particular state. Some of these states have strict rules, others have … Continue reading →

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A Payday Loan Lender Will Not Require Co-signers

Posted on August 3, 2012 by Kristy Lamar

A direct payday loan lender will not require any type of signature from a co-signer, but a bank or credit union might. A co-signer is one way a financial institution has to promise a loan repayment.

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Payday Loan Lenders Will Not Help An Impulsive Shopper

Posted on August 1, 2012 by Kristy Lamar

Impulsive shopping may be the root to your debt problem, not the payday loan lenders. Payday loans are funded every day and many are successes. If your problem is more than just an occasional overload of costs, then you need to examine the budget categories to find the area which needs addressing.

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Online Payday Lender Helping With The Fight Against Identity Theft

Posted on July 27, 2012 by Kristy Lamar

An online payday lender will keep a keen eye on application qualification in order to help prevent fraudulent loans. Any financial institution needs to have some sort of filtering system in place to make every effort in the fight against fraudulent transactions. Prevention techniques not only save the company from a bad loan, but protects the victim when it is identity theft. If you find yourself a victim of identity theft, there are four steps which the Federal Trade Commission recommends a consumer to follow. Once you discover fraudulent activity, you will want to place a fraud … Continue reading →

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Purchasing a New Car

Posted on March 19, 2012 by Kristy Lamar

Purchasing a new car is lots of fun, but there are many costs to consider. The more you have to add to the deposit, the smaller the loan payments will be for the next few years. If you are buying from an individual, you will be paying taxes and registration at the Department of Motor Vehicles. Buying a car is a very personal decision and when you find one that you truly want, missing some funds to cover the costs should not keep you from your purchase. Online payday loans work well … Continue reading →

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Spotya.com is a PAYDAY LENDER!

Posted on April 8, 2008 by Kristy Lamar

Today I would like to talk about the difference between payday lender sites and what are known as “lead generators”. First, I’d like to define both terms. A payday lender is a company who actually lends money to a customer. This is a website that recieves a potential borrower’s application and determines how much a customer will be loaned. then this company will directly deposit the money into the borrowers account, 100% by themselves. A payday lender has a licesnce to loan. A payday lender will have a contact phone … Continue reading →

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*THE OPERATOR OF THIS WEB SITE IS NOT A DIRECT LENDER. It does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a direct lender. Providing personal information on this Web Site does not guarantee that you will be approved for a short-term cash in advance loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all direct lenders can provide up to $1,000. Cash transfer times may vary between lenders and may also depend on your individual financial institution. In some circumstances, faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Payday loans online and/or cash advance loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a payday loan online based upon lender requirements.

** Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained.

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