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

Getting A Paycheck Advance Online The Smart Way

Getting A Paycheck Advance Online The Smart Way
For those getting a paycheck advance online application sent through the system, they may be counting their pennies expecting an approval right away. These short-term loans are often considered easy money for people who are experiencing credit challenges. Just because these lenders will provide a loan, it doesn't mean you have to take the full amount.

When you are looking to get a paycheck advance through an online lender it most often means that other money opportunities are no longer credible options. These short-term loans are often advertised as no credit check, bad credit check or simply as bad credit loans for a reason. Since the approval process does not include an actual credit check the name is fitting. So there it is, a short-term loan is available to applicants who are credit challenged. Lenders would not look at this factor as a blanket approval to all applicants. There are other qualifying factors which could get an applicant rejected.

Many responsible lenders will expect all applicants to have a certain monthly take-home income in order to qualify. These figures vary from one lender to another. Once an applicant is approved, the direct lender will let them know how much money the loan is approved by. For many states, this amount is regulated along with having an interest cap. Whether the amount is capped or the loan is approved for much more, it makes the most financial sense to any applicant that they accept the smallest amount possible. If you need a loan for $200 but the lender offers $250, do you need to take the extra? The more money you accept, the more money a direct lender will earn. This translates into fees for the borrower. A direct lender will charge a certain percentage of every $100 borrowed. If the interest charge is $20 per $100 borrowed, a $200 loan would entail a $240 payoff just a few short weeks later. If a borrower took out the full $250 offered, the fees jump from $40 to $50 with a payoff cost at $300. When you think about paying off the loan in one fell swoop as expected, you will want to minimize the burden to your next paycheck.

Getting a paycheck advance will help to fix your impending financial problem by bridging a money gap between now and payday. It is important that when you use third party cash to pay off a bill that you only use the right amount to help future problems from entering your budget. Once you work to pay off the loan 2 weeks later, there will be less money to handle the bills due then. It can be a vicious cycle of debt if not handled correctly.

*In order to get an online paycheck advance that you can afford, you will want to search for a lender with reasonable rates and take out only the amount you truly need to get the job done.

*Do what you need to do to pay the loan back in full on the original due date.

*If you cannot come up with the money, do what you can to not only pay the fees but as much of the principle as your budget can comfortably do so.

Everybody gets into money binds one time or another. How these problems are handles is what makes the difference between success and failure. In order to support future financial needs, it is always best to make each transaction successful. There are many types of customers who apply for payday loans. It doesn't take loads of money to pay one off, but it does take someone that will get the payday advance and pay it off quickly to not fall into a cycle of debt.

Spotya! Payday Loans does not advocate using a payday loan for just any type of spending. Our loans are meant to be short-term being paid off with the borrower's next paycheck. Visit


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