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 23, 2013

Getting A Payday Advance Online

Getting A Payday Advance Online
Getting a payday advance online is probably one of the easiest ways to receive a short-term loan that can help you pay your bills and cover some unexpected expenses. However, you should take the time to understand all the legalities, surrounding these loans and take a good look at the terms and the conditions offered by the lenders.

Great number of politicians and some consumer groups hold the extreme view that payday loans are harmful to the borrowers and these practices should be either heavily regulated or completely outlawed. Their claim is that a payday cash loan is too costly for most consumers and the borrowers are charged outrageous fees and interest rates. This has caused almost all states to pass legislation that caps the interest rates and the fees that the lenders can charge and make numerous provisions that are meant to protect the consumers.

However, these small loans provide a valuable service to many since trying to receive such a small loan from the banks is almost impossible and the few commercial banks that offer similar services, like overdrafts, charge high interest rates as well. The approval rates for a payday cash loan is also very high, which makes them accessible to almost anyone: the most common requirements for a US citizen is to have been employed for three months or longer, earn at least $1000 per month, have a US address, and be 18 years old or older. This allows people that are struggling to pay bills to borrow small amounts of money, which are then deducted from their next paychecks.

Getting a payday advance online is even easier and the application process hassle-free: the consumer has to fill out a simple form online, wait to be approved, which normally takes a few hours at most, and then receive their money in their checking accounts the same day or one business day later. If you are thinking of applying for a payday cash loan, then you should familiarize yourself with the legislation in your state. Some states limit the maximum amount that can be borrowed, with the most common being $500, and put a cap on the interest rates and the fees as well. Special provisions for military borrowers exist in a number of states and the Military payday lending act caps the interest rate of loans with terms of 91 days or less to 36% (MARP) interest rate, which serves to protect the rights of military service members and their dependants. In some jurisdictions, giving a payday cash loan is completely outlawed, while others have legislation that is more liberal and allow the market to regulate the interest rates, fees, and the loan terms.

Despite the controversy, surrounding these short-term loans, many consumers are taking advantage of them; they are also especially appealing to people with bad credit history since most providers, which offer payday advance online do not run credit or background checks.

If you find yourself in a money crunch and do not want to ask your family or friends for a loan, then you can easily apply for a payday cash loan over the Internet. Most lenders have a very simple two-step application process, where you have to only fill out an application, wait for the approval email, and finally receive the money in your checking account!


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