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Tag Archives: Payday Loan

Moving Forward With A Payday Loan

Posted on July 10, 2012 by Kristy Lamar

There’s nothing worse than an unexpected financial setback. We work towards payday  budgeting for our expenses, planning for future costs, and hoping there will be something left in our bank account when all is said and done. A night out on the town, a new tech gadget, or something to stuff away under the mattress sounds so good but alas! We find ourselves in the middle of a financial blow out with an unexpected cost that leaves us wondering two things: “How we are going to pay for this expense?” … Continue reading →

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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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The Lenders’ Risks With Online Payday Loans

Posted on June 23, 2012 by Kristy Lamar

Why do loans from online payday loan companies have higher rates than those from banks and credit unions? The higher costs for these types of loans are derived from the extreme risk which is involved in lending to people who have a bad credit history and no collateral for back up. Banks and credit unions will only provide loans to those who apply with good credit, fall into a certain range for wage earnings, have a valid reason for loan, and have a low debt to income ratio. Many applicants … 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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Bank Loans: What Is Required?

Posted on June 16, 2012 by Kristy Lamar

When applying for a bank loan, the better prepared you are for your meeting with the banker, the easier it will be going through the application process. There are some key items which banks will be looking for and you want to avoid mistakes providing them. It all begins with your credit report. Read through your credit report says and know what the information means to a possible lender. If you have negative marks on your report, be prepared to have reasons which will justify your errors or wait till you have six months clean of any negative remarks … Continue reading →

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Debt Increase: Overview Of The Problem

Posted on June 11, 2012 by Kristy Lamar

Americans are fighting with debt and the outlook does not look like it will present itself with instant relief for those people. Jobs are becoming increasingly harder to come by as a greater number of people enter the work force than there are new job openings. During the month of April, mortgage servicers reported that over 63,000 loans, which are backed by the Federal Housing Administration, had foreclosure proceedings started against them. These  fallen loans are those that had been funded during  2008 and 2009. It is uncertain whether or not it is a beginning of … Continue reading →

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Saving Money: Save A Little…Save A Lot

Posted on June 10, 2012 by Kristy Lamar

Using money saving tips everyday will be saving you handfuls of change or even a few dollars at a time. Put all these savings into a bucket and your total will be shockingly large by the end of the year. Let’s take a closer look at a few specific ways you can save money. Do you stop for coffee in the morning? Depending on your coffee order and whether or not it may include a croissant or pastry, you could be spending up to $3-$5 each work day. Based on … 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 →

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Payday Loans and Cash Advances: 10 Things to Consider Before You Sign

Posted on June 6, 2012 by Kristy Lamar

There are countless of avenues to turn to with getting assistance with your finances, but not every avenue  will lead you in the proper direction. Risking your hard earned money by not fully understanding the road you are on will not support a working budget. In this day and age, most families are struggling to keep up with all the financial demands of running a household while maintaining a way of life for the family. Cutting out expenses can help keep the budget to stay on task, but sometimes, emergency costs … Continue reading →

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Debit Card Safety

Posted on June 4, 2012 by Kristy Lamar

Be aware of some drawbacks to using your debit card. For starters, there are some circumstances when merchants will place a temporary hold or block on money in your account which can last a few days. What does this mean to the card holder? It means that the merchant has taken a precaution to protect the charges you have or may have charged by placing a block on a certain amount in order to reserve room for any additional spending on your part. Examples of blocking by a merchant: You … 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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