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Tag Archives: payday loans

payday loan companies will help with small money emergencies

Payday Loan Companies Won’t Tackle The Big Debt Problems

Posted on August 1, 2013 by Kristy Lamar

Even the best payday loan companies will not be able to get a person out of serious debt. These short-term loans charge high interest rates and their on average 2 week terms demand a quick payoff. Extending a loan is only smart when there is extra money applied towards the principle. Unfortunately, that is not always the plan for many borrowers who have many habits when it comes to their finances. One of the most problematic money habits hurting many households is the bad habit of overspending income. Most people who … Continue reading →

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Payday Loan Companies Not Partial To Certain Communities

Posted on July 27, 2013 by Kristy Lamar

Today more than ever, it seems you can’t drive anywhere without passing a payday loan company. In years past, most payday loan companies seemed to be concentrated in low income urban areas. However, today it’s hard to drive through any suburban community and not locate a payday lender. A misconception is that payroll loan companies specifically focus on poorer under privileged families. Surprisingly, a recent report prepared by U.S. Department of Commerce indicated the average income of a payday loan borrow is actually $42,260. That amount is obviously well above … Continue reading →

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Payroll Loan Borrowing: Misconceptions About Borrowing This Way

Posted on July 23, 2013 by Kristy Lamar

There are many misconceptions about the practicality of payroll loans. Many lenders see payroll loan companies as opportunistic businesses that exploit poor or underprivileged people.  Yet, many of the Nation’s most prominent banks and finance companies own or operate payroll loan businesses themselves. A recent published report prepared by Personal Money Market states that contrary to the popular perception that payroll loan borrowers tend to be from very low income brackets, research shows that the average payroll loan customer earns more than $47,000 per year. This is well above the Nation’s poverty … Continue reading →

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Payday Loan Companies: Comparative Shop To Find Better Prices

Posted on April 25, 2013 by Kristy Lamar

Examining payday loan companies online should be no less involved than seeking out a new bank, finding the right car dealership or comparative shopping for a new computer. We live in a consumer driven society where competitive markets for goods and services drive many costs down. Without healthy competition a single provider could and would dictate the price for goods and services. Why should a short-term payday loan be any different? People shop for money opportunities all the time. It could be finding the bank mortgage loan with the competitive interest rates. Credit … Continue reading →

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Payday Loan Companies: Comparative Shop To Find Better Prices

Posted on April 25, 2013 by Kristy Lamar

Examining payday loan companies online should be no less involved than seeking out a new bank, finding the right car dealership or comparative shopping for a new computer. We live in a consumer driven society where competitive markets for goods and services drive many costs down. Without healthy competition a single provider could and would dictate the price for goods and services. Why should a short-term payday loan be any different? People shop for money opportunities all the time. It could be finding the bank mortgage loan with the competitive interest rates. Credit … Continue reading →

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Direct Payday Loans Support Small Short-term Emergency Costs

Posted on April 11, 2013 by Kristy Lamar

Direct payday loans offer financial assistance when households are without their own emergency fund. There are some financiers who argue that most households do not need an emergency fund but should invest instead. A PEW study (2007) showed that only 34% of households experienced unexpected costs in the prior year. As much as I admire the research PEW studies do and the finding’s they report, I wonder what they consider an emergency to be. For those people who live paycheck-to-paycheck and struggle to keep up with the rise in living costs, what … Continue reading →

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Payday Loan Direct Lenders Offer Both Fast Money and Trusted Practices

Posted on April 9, 2013 by Kristy Lamar

What should an applicant look for in payday loan direct lenders? Not every applicant is looking at a lender with the same vision. Sometimes the only thing the person can see is an opportunity for fast money while others look for a lender they can count on. Are payday loan direct lenders fast cash opportunities? These online lenders are a good source of quick cash for many applicants. No credit check approvals draw many who have poor or no credit to apply for a direct loan. People have been turned down by … Continue reading →

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Protecting Payday Loan Consumer’s Informational Documents

Posted on December 15, 2012 by Kristy Lamar

A payday loan management company will be paying out over $100,000 in fines due to their improper disposal of consumer documents. The Federal Trade Commission has strict guidelines to protect consumers. Financial institutions are required to protect personal information. Safeguards need to be set-up and privacy notices need to be delivered to consumers. Financial transactions deal with sensitive personal information.  Many documents will contain loan applications which obtain a consumer’s employment information  addresses telephone numbers, social security numbers, bank account information and often times credit reports. Privacy practices would safeguard this information. Once … Continue reading →

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Payday Loans Help Purchase Gas in California

Posted on November 29, 2012 by Kristy Lamar

Need an online  payday loan to purchase gas? You may if you live in California. The prices have jumped up an average of close to one dollar per gallon in less than two weeks leaving many in the workforce struggling just to get to work. Refinery and pipeline problems have put a squeeze on the fuel supply which created record high prices at the pump. Areas which are highly affected by unemployment are being hit with the highest prices. How can I get a payday loan when I have no … Continue reading →

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Fraudulent Debt Collector Activity Not Effecting Payday Loans Online

Posted on November 29, 2012 by Kristy Lamar

Have you been called to make payments for online payday loan debt which was never yours to begin with? Has credit card debt which was paid off years ago become the topic of phone calls from debt collectors? Are you getting collectors calling you because you share the same name with someone who owes money? There is a rise in fraudulent practices from debt collectors. If you are receiving calls from collectors who have no proof of the original debt as belonging to you, remain unpaid or belonged to the previous resident of your address, you will want to contact … 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.

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