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

Will Emergency Loans Work For You?

Will Emergency Loans Work For You?
We've all been in a difficult position at one time or another. Your funds are already tight when the car breaks down or your son breaks his arm. Suddenly you are faced with unexpected expenses, at a time when you were already barely making ends meet. What do you do?

This is where emergency loans are often considered. Within as little as 24 hours, you can have the much needed cash in your checking account to pay the doctor or the mechanic.

While emergency loans may seem like a tempting proposition, are they really the right choice for you? Consider these factors when making the decision to apply for emergency cash.

How Fast do You Need the Cash?

While traditional lending might appear like a better deal on the surface, most banks take their time when it comes to processing and approving loans. If your mechanic is waiting for your payment to release your car to you, you might not have the luxury of time.

Most lenders who specialize in emergency loans understand the term "emergency" and strive to get you the cash you need as quickly as possible. In many cases, the funds will arrive in your account within 24-48 hours after you apply for your loan.

Do You Qualify for Credit?

Many who experience a cash crunch have been involved in circumstances that negatively affect your credit score. For those who have less than stellar credit, it can be difficult to qualify for loans through banks and traditional lenders. In these situations, emergency loans may be your best bet for getting the additional cash you desperately need.

How Much do You Want to Pay?

It is no secret that most emergency loans come with slightly higher fees than other types of lending products. In addition to charges for applying for the cash, you may find that interest rates are higher as well. If you decide an emergency loan is the right choice for you, shop around for the best rates to ensure you don't pay any more for your cash than you absolutely have to. If you have access to money with a lower interest rate, that option might be a cheaper way to get the cash you need in a flash.

How Fast can You Pay Back the Loan?

Because emergency loans tend to come with higher interest rates, it is important to have a payment plan that will help you pay off the debt as quickly as possible. That is why these types of lending products usually work best when you need the money to stretch before payday or while waiting for your tax refund. You know the money is coming, and you will be able to pay off your loan in full within a matter of days or weeks. However, if something happens and you can't pay off the loan as quickly as you originally planned, you can often arrange additional time for your payments.

Emergency loans are not right for everyone, but they can prove very helpful to those in a serious cash crunch who don't have a lot of options. If you fall into this category, shop around to find the best emergency funding for your needs.


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