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.

Thursday, October 31, 2013

Fast Payday Loan In Default Is Bad News For Finances

Fast Payday Loan In Default Is Bad News For Finances
Keeping up with fast payday loan online payments when your paycheck barely keeps up with regular expenses may bring lots of headaches into your finances. If this is happening to you, don't think you are the only one. There are too many borrowers who struggle to pay back these short-term loans creating money stresses in other budgeted areas. There are many different problems which effect current and future finances. It takes lots of hard work towards a good financial plan in order to prevent difficult challenges from entering your budget.

There are lots of reasons your finances could run amuck. Money problems will usually begin when expenses topple income. When debt is involved, it would take eradicating most balances to begin seeing money matters turn around. When trying to turn finances around it is important to understand what will help the situation and what might hurt it further.

* Don't opt to not pay your fast online payday loan lender. The lender may not be the biggest debt in the pile or seem like the most important business to stay friends with, but defaulting on this loan will hurt your finances just the same. In fact, it may hurt quicker since the terms on these loans are so short. If you take care of this debt first, not only will you prevent large interest fees but will then leave the door open in case you ever need to get help when other businesses won't give your application a second look.

*Bad debt lingers on your credit report for 7 years. Collectors will use every bit of that time to attempt collections. It is important that you know the date the debt started before you make any "good faith" payment. You could have done it to get the collectors off your back or to just feel good within yourself that at least you paid some of it off. It sounds like a good decision, but in fact it may end up hurting your finances even more. If you didn't pay the whole balance owed, a partial payment will only start the 7 year clock ticking all over again. The remaining default debt will then have another 7 years to beat on your credit score and collectors will now have another 7 years to hound you for it. If the debt is old, you may want to use your money to help pay down current debt and let the old one fall off.

*Too much debt will weigh down your credit score. If you don't pay it a person's score will drop. Depending on what kind of debt it is, paying it may not even help. Debt in collections, tax liens and judgments are all debt which will hurt your score, but paying them off may take years to help you.

*Tired of credit card debt? Some people cancel the cards out of frustration. It is not a good idea to cancel any card, especially if you have had it for a long time. The debt owed will still be included in your totals but the loss of potential debt will interfere in how your credit score is calculated. You will be left with worse debt by cancelling the cards than leaving the balance with on-time minimum payments.

Debt is something that cannot be ignored. It does take some know-how and strict budgeting habits to correct problems created by debt troubles. Don't be afraid to ask for help if your problems are overwhelming. It is important to prioritize efforts to pay off payday loan online debt, keep credit card balances low and keep up with all other expenses that accrue each month.

Spotya! Online Payday Lender understands the short-term financial needs of our customers but also advocates for responsible borrowing while looking at each payday loan as a unique financial need. Visit


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