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Tag Archives: payday loan lender

Bank Payday Loans Avoid Online Payday Loans Regulations

Posted on July 1, 2012 by Kristy Lamar

When needing some fast money to help out with bills or emergency costs, many people choose  online payday loans as a quick solution to their money problem. When used appropriately, these types of short-term loans work well to help protect the customer’s budgeted expenses. These loans are infamous for their fees and high annual interest rates. States which allow these lending practices are have regulated the amounts on fees, interest rates and the capped the loan amount as well. The states believe that with these practices in place, the customer … Continue reading →

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Do Store Credit Cards Hurt Your Credit?

Posted on June 25, 2012 by Kristy Lamar

Are store credit cards worth applying for? When you get to the register and someone asks you if you would like to save 20% on your purchase with immediate application and approval, you may think it sounds like a great deal. The instant savings that can be had by opening the credit card account may be the only positive effect you receive. There are pros and cons to having credit cards which are limited to certain places. What are some perks to applying for and using a store credit card? … Continue reading →

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Cost Effective Fees Promote Online Payday Loan Industry

Posted on June 24, 2012 by Kristy Lamar

There are many reports focused whether or not payday loan lenders target poor people. I’m sure there are some companies out there whose practices suggest those actions, but any company who follows state regulation guidelines and are responsible lenders will not be targeting this low income level. Spotya! Online Payday Loan is one of the responsible lenders. The qualification process which Spotya! has set up, will only lend to those who earn at least $17k per year and then those customers would be limited to a maximum loan of $175. … Continue reading →

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Are Payday Loan Companies Unfairly Targeted For Using Demographics?

Posted on June 21, 2012 by Kristy Lamar

Demographics is a major deciding factor to any start-up company or to those who are branching out to new locations. As with any industry, money lenders can be found quite easily in certain areas of town. Who is the judge as to where a good or bad place can be? Labeling businesses as predatory lenders for using demographics to target customers seems to be quite unbalanced since the practice of it is used throughout all industries. I guess it all falls into the laps of each individual and their particular … Continue reading →

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Overdraft Fee Revenues Are Pushing $30 Billion

Posted on June 20, 2012 by Kristy Lamar

With overdraft fees running between $30 and $35 per transaction, the financial institutions are making bank. In 2011, the banks collected almost $30 billion in revenue from these fees. Where do these funds come from? Overdraft fees are collected from checking accounts across the nation when overdraft errors occur. It is the hard working consumer who is paying the billions in fees. Imagine the difference it could make to have billions of dollars still in checking accounts. Overdraft protection plans are set up to help you keep the costs down … Continue reading →

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Lender Fees: Uncovering The Costs

Posted on June 18, 2012 by Kristy Lamar

How do lenders charge a fee? Anytime you see the words interest rate or service fee, you can promise that your money will be going to the company to pay for their services. There are various reasons as to why these fees are attached to transactions. The more you understand the reasons they occur, the better equipped you will be to pay the least amount. Payday loan lenders use the words service fees. This fee is to pay for the price of getting an unsecured loan which is usually to the risk of the lender of … Continue reading →

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Safeguard Your Budget: Make Your Own Cleaning Supplies

Posted on June 13, 2012 by Kristy Lamar

When it comes to saving money, being frugal can come in handy. Frugality does not mean you have to go without, but more like being smarter with the everyday choices you make. My shopping bill always goes up when it is time to replenish the household cleaners. What I would normally spend at the store increases by $20 easily, if not more, because of these items. There are less expensive ways to keep your home areas clean. You can make your own cleaners in reusable dispensers. Your initial expense to purchase the ingredients and containers will … Continue reading →

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Budgets: Prioritize Healthy Foods

Posted on June 12, 2012 by Kristy Lamar

At Spotya.com, Payday Loans and Cash Advances are at the core of what we do. We are here to support our present and future customers if  ever in a short term financial jam. Our purpose goes deeper than just providing  online  payday loans or cash advances. Our office has a passion for good health and we want to extend that passion to not only our customer but anyone that desires a healthy life style. We also understand that good health can come at a monetary price, so finding ways to … Continue reading →

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Bankruptcy:Defining The Difference Between Chapters 13 And 7

Posted on June 8, 2012 by Kristy Lamar

When debt is bad enough and no other option is available to you, the next serious step to inquire about is bankruptcy. This decision is not to be taken lightly as it has some serious consequences that goes along with it. To begin this process, you will need to hire a lawyer. When you do choose a lawyer, you will be expected to pay upfront costs. Be aware of the money involved with the procedure, the time it will take, any requirements that may be expected of you, and the price … Continue reading →

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Financial Trouble: Recognize The Signs

Posted on June 7, 2012 by Kristy Lamar

When do you know that you are in financial trouble? Not doing anything gives more time for your budget problems to grow and sink you further in to debt. There are steps you can take to begin paying off your debt. Protect your assets, bank accounts and improve your standing with creditors. How can you tell when you have too much debt? Many of your credit cards have reached the limit. Minimum payments are being paid to creditors each month. You will apply for any credit card that is offered no matter the terms. You practice transferring balances between credit … Continue reading →

Posted in Cash Advance, Help with Debt, Money Saving Ideas, Payday Loan | Tagged , , , |
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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.

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