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Tag Archives: payday loans

Payday Loans Online Vs Pawn Shop Loans

Posted on July 11, 2012 by Kristy Lamar

Payday loans online are great source of fast cash, but they are not the only industry in the fast cash business. Pawn loans have a few similarities to payday loans online, but are very different. The biggest similarities are that they both offer easy access to fast cash and have no credit bureau checks in the process. What exactly is a pawn shop loan? Pawn shops are stores which will use property as collateral for a secured loan. The loan amount is only a fraction of the property’s value. In other words, … Continue reading →

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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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One Example Of Payday Loans Online Working To Your Advantage

Posted on July 5, 2012 by Kristy Lamar

So much chatter is heard about how people fall into debt from using payday loans online as a source of financial relief. It must be one of those businesses destined to fail, right? Wrong, more and more people are choosing these small short-term loans as their way to stay out of debt. So how does that work? There are many example of how a successful payday loan will work. Here is one example of a great way to use payday loans online: Paychecks will most usually be deposited on certain dates or particular … 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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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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Do State Regulations For Online Payday Loans Apply To All Companies?

Posted on June 22, 2012 by Kristy Lamar

It is a well known fact that many states have set up regulations for payday loan companies to follow. Companies are required to follow these rules which were set up to protect customers from predatory lenders. There are certain lenders who do not fall under these regulations and the online payday loan industry is creating big business opportunities from people stuck with loans which they cannot afford to pay off due to high fees and interest rates. Offshore companies do not have to follow the guidelines set by the state … Continue reading →

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Payday Loan Leads From Online Auctions

Posted on June 19, 2012 by Kristy Lamar

A booming business is coming out of payday loan applications without having to lend any money at all. Payday loan companies, located in stores and on the web, are bringing in loads of loan applicants who fill out personal information on their loan applications. These potential customers are looking for quick cash to help them out of a financially stressful bind and do not necessarily read the fine print on the application. If you see, most often in small type, the words “not a lender” then the business you are … Continue reading →

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Payday Loans: Regulation Perspective

Posted on June 17, 2012 by Kristy Lamar

There are many aspects to our lives which are regulated by the government. Every now and then there are new crazy ideas by some politician to control one more aspect of our lives. Just the other day on the radio, I heard about a mayor trying to regulate the size of sugary beverages that can be purchased. I personally don’t think that one will go very far, but maybe the regulation should be on how much it truly costs to buy that jumbo soft drink. The idea of paying three dollars or … Continue reading →

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College Debit Cards: Fees Eating At School Funds

Posted on June 14, 2012 by Kristy Lamar

Debit cards work great if handled correctly. They offer easy access to money in your account without the worry of long-term payments. Keep track of account balance and a keen sense of how much is being spent to avoid any fees associated with debit cards. Bank overdraft fees are pricey. Their convenient status have them filtering into the lives of college students. Banks and colleges have teamed up to offer students easy access to their college funds. Campus debit and pre-paid cards are being offered to those students receiving student … 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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