WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

About Us:

Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Saturday, October 12, 2013

A Step by Step Guide to Cash Advance Loans

A Step by Step Guide to Cash Advance Loans
With all the financial planning we do, there are still bound to be a few emergencies in life. It could be a huge medical bill, an unexpected insurance payment, urgent repair work or even a broken down car - the reasons could be many. When you are in dire straits and you need money urgently, cash advance loans or payday loans can help you bridge the gap.

What are cash advance loans? These are unsecured loans that are designed to meet short term emergencies. These loans are high risk loans and therefore come at premium rates of interest. Cash advance loans require minimal verification. Therefore, these loans are approved almost immediately and the amount is disbursed within a few hours. These loans are available to almost all borrowers, regardless of their credit rating. Full repayment of the loan with interest has to be done in 14-30 days. Generally, these loans can be rolled over once or twice only.

The first step in availing cash advance loans is to find a reputed lender. Some of the common mistakes borrowers make include applying for payday loans through unsolicited emails that land in their inboxes, ignoring the fine print on the agreement and choosing the lender without ascertaining their reputation. If companies offer loans without any verification, their interest rates will be correspondingly high because they are financing a high risk loan. In such cases, it is important to check out the credentials of the lender.

The second step is to apply for the loan. These days, most lenders have a strong online presence. This means, borrowers can submit their application online and wait for the check to arrive in their account. Most lenders require standard information like your banking details, basic identification details and the loan amount. Once the application is submitted, the lender will verify the information and upon approval, send in the payment to your bank account. The exact term and amount will be fixed by the lender. At the time of loan repayment, the amount will be withdrawn automatically from the bank account through a post dated check collected by the lender from the borrower at the time of disbursing the loan.

A crucial part of the process is reading the loan agreement form upon receipt. This form contains details about repayment. In case the borrower is unable to repay the full amount with interest at the end of the term, they will have the option of rolling over the loan. This is an expensive process as it involves extra fees and additional interest rates. That is why it makes financial sense to repay cash advance loans as agreed, failing which you might end up in a debt trap. Most reputed loan vendors have a friendly customer service cell. The duty of this cell is to explain the loan, its utility and terms to customers. This makes it possible for borrowers to procure loans that suit their financial means.

In case you need a large amount, you may not be able to get cash advance loans from a single lender. In this case, you will need to approach multiple lenders. But keep in mind that lenders make use of highly accurate systems to learn details of outstanding loans and default payments.

At Speedy Quid, we understand the worry associated with financial problems. We offer easy and fast payday cash advance loans that to be paid monthly and therefore the loan would be over a period of one month, or less.


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