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

Payday Loan Payoff: Incentive to Limit Spending Habits

Payday Loan Payoff: Incentive to Limit Spending Habits
How would you change your daily habits in order to successfully afford your short-term payday loan payoff? It would be interesting to know how much money gets wasted out of each paycheck on spending which is never tracked in a typical budget. How frugal is the average household? How much money is spent each day which is not covered by one of the budget categories? If this money was accounted for, would the typical payday loan customer have better luck getting their debt paid off or would these same people even need a short-term loan in the first place?

How often do you stop off at the store for a cold drink, a pack of smokes or grab a bite to eat through one of the drive-through lines on the way home? Where does this money come from? Are you spending cash, using your debt which comes from your bank account or charging the bill to a credit card? Where the money comes from may help you analyze your money management system. If credit cards are supplementing your 'extra' charges for charges such as these it may help to take the next step needed and figure out which category will support the payoff. If you do not pay off the creditor in full, the interest charges for these small purchases will have you spending more than their worth.

If you depend on short-term money in order to make good on unexpected costs but you continue to spend on daily extras, how do you manage to pay off the payday loan in full? In order to keep this fast money loan the most cost effective approach to a money emergency it will have to be paid on the original due date. Anything extended or rolled over will accrue additional interest charges. Take a closer look at where your monthly income is spent.

If you cannot account for every dollar or even every penny of your hard earned income, it may help you take out a pen and paper and begin to keep track. Use your notepad on your tablet or smartphone if you are more inclined to keep track that way. Every time you buy a pack of gum, refill your coffee, purchase an app for your phone or cover a overdraft charge on your bank account, mark the expense down. Take it a step further and write down how much interest you are paying each month. Once you see how much money goes out of your account to pay for maintaining a debt balance, you will most assuredly want to make a change.

Look at tracking expenses as a positive way to manage your money. Take the hassle of recording every penny spent into a challenge to build an a better financial future for you and your family. Get your children involved so they will learn some basic financial rules. if you don't have the money, you don't spend it. This is a tough rule to obey when there are so many third party money opportunists. Children need to learn early on that spending money is not a rite of passage but an income privilege.

If you were to rework your budget in order to fold into these extra daily costs under one of the funded categories, would you be able to refrain from spending extra somewhere else? If you needed to use a direct lender or charge on credit cards, would you be able to work out any type of reallocation from other budgeted areas in order to make the full safe payday loan payoff or keep from having charge card balances stretch out over several months or years? It would make smart financial sense.

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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