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.

Tuesday, October 8, 2013

Five Tips For Avoiding Disreputable Payday Advance Companies

Five Tips For Avoiding Disreputable Payday Advance Companies
Like any other type of industry, the payday advance industry has its share of companies that abide by the rules, as well as a few that do not. It is therefore incredibly important to do your research and to educate yourself on the payday advance process before entering into a payday advance contract.

Although it may be difficult to identify at first glance a payday loan shark, you can learn about the many underhanded tactics these unscrupulous companies use to lure individuals into taking out a payday advance.

Here are the top tips for recognizing disreputable payday advance companies:

1. Beware if the payday lender wants to rush you through the process - It is always important to take the time to fully understand the loan and its terms and conditions, and a payday lender should understand this. However, if the payday lender begins pushing you to make a decision (before you come to your senses about the disreputable company), you may want to take a step back and re-examine whether the payday advance lender is someone you want to deal with.

2. Beware if the payday lender does not provide clear answers to your questions - Never, ever proceed with a payday advance loan if you have unanswered questions. The payday lender should be willing and able to answer all of your questions and concerns; if they cannot, then they are probably not a company you want to do business with.

3. Beware if the payday lender does not have the APR and fees of the loan readily available on their website - All of the payday loan's terms and conditions, including the APR and any related fees, should be readily available on the company's website. Simply put: it is best to avoid taking out a payday loan with any company not willing to disclose this information.

4. Beware if the payday lender operates out of the country or does not have contact information - Payday lenders that operate out of the United States must operated under strict rules and regulations, all of which are in place to protect consumers. However, companies that operate outside of the country often find a way to circumvent these regulations, thereby leaving you vulnerable to disreputable business practices, such as outrageous interest rates.

5. Beware if the payday lender offers a too-good-to-be-true APR or loan term - Although it is always worth your while to shop around for a competitive APR, it should also be mentioned that a company that boasts a much lower APR than other similar companies may not be completely forthright in their loan terms and conditions. Proceed with caution when dealing with a too-good-to-be-true payday advance lender.

More often than not, we apply for payday loans during times of stress, as most individuals only apply for them when they are in a financial crisis. Subsequently, many individuals, in a rush to get their money quickly, fail to research payday lenders to make sure that they are dealing with a legitimate company and that they getting the best APR and loan terms. Make sure you don't become a victim, but rather choose a reputable payday loan company based in the United States.


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