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.

Saturday, November 9, 2013

Bad Credit and Loans to Payday by Direct Payday Lenders

Bad Credit and Loans to Payday by Direct Payday Lenders
Many people find themselves struggling financially in today's constantly changing economic times. Lots of good, deserving people are losing their jobs. This leads to immense stress of wondering about how they would be able to pay their bills and take care of their families. Still, even people that are fortunate enough to keep their job often face financially overwhelming situations. All sorts of emergencies happen in life, and they often cause unexpected expenses. Oftentimes, that paycheck just does not seem to last the entire month until the next payday. When people run short on money they usually either try to lower their spending or, in the worst case, borrow money. However, given today's economic state, many people realize that their credit is less than perfect and for many it is just bad. Plus, if they have borrowed money before, it gets progressively more difficult to get a new loan with bad credit and loans that are outstanding.

Still, there are a number of solutions to this common problem. One of them, which became especially popular over the last few years, is to obtain a payday loan. This is a loan that is given for a short period of time - usually until the applicant's next payday. There are quite a few lenders on the market today that provide these loans. However, if people want to minimize their losses and get the best terms possible, it is always a smart idea to choose direct payday lenders for borrowing money. There are a number of benefits to working with a direct payday lender, so let us take a look at three of them.

1. Direct payday loans are entirely non-credit based. That means that whenever a person is working with direct payday lenders, they do not care about his credit at all. In fact, they do not even bother to check his credit when considering his loan application. Primarily, all they care to know is that the applicant has a job or some sort of consistent income and when the paydays take place. Normally direct payday loans are meant to be paid back on the applicant's next payday. The amounts of such loans usually range from $100 to $1500. These lenders assume that most applicants have bad credit, so the interest on these loans is much higher than any other traditional loan. They know that when people apply for loans to payday, it is highly likely that this solution is their only option to find the money that they need.

2. Loans to payday by direct payday lenders are remarkably easy to apply for. Most of these lenders let people apply right on their website any time of day or night. This sets them apart from traditional lending institutions where the applicant would have to depend on that lender's business hours. This way people can apply for these direct payday loans from home right on their computer. The applications are also extremely short and only ask for the basic information. An average application takes just a couple of minutes to complete and submit. Plus, most of the time the applicant is notified of whether he is approved immediately or within minutes.

3. Also, direct payday lenders that provide loans to payday are normally able to offer the best possible terms on such loans, compared to non-direct lenders or brokers. These loans are already rather expensive, so it does not make sense paying any more in interest than what is absolutely required. Aside from that, direct payday lenders are also more flexible than others. They are often able to offer extended repayment terms, going beyond the next payday. Sometimes they even allow borrowers to pay just the interest on the required payment date and extend the principal of the loan till the next payday.

Certainly, whenever people take out loans to payday, it is always a smart idea to pay off these loans as quickly as possible to mitigate losses. Some people even call these a necessary evil. However, for someone with existing bad credit and loans that are still outstanding, these direct payday loans may truly serve as an answer to their immediate problem. Of course, if used in a smart and responsible way, direct payday lenders are indeed a phenomenal resource for temporary financial assistance.


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