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

Payday Cash Loan Basics

Payday Cash Loan Basics
Unless you have inherited a substantial amount of money or have managed to make a fortune on your own, you are likely to be working for a living and trying your best to cover all your expenses and better yourself at the same time. And no matter how hard you try and how carefully you plan your finances, there are times when you can find yourself in need of cash and for some unknown reason this almost always occurs when you are between paychecks.

Situations where you have to meet unexpected medical and dental bills or make an emergency repair of your home do occur, and you might find yourself in the need of relatively small amount of money that is not worth even mentioning to your bank manager. This is where a payday cash loan, also known as payday cash advance, comes into play: this is a form of short-term loan, which is easy to take, does not require collateral, and having a bad credit does not prevent you from qualifying for such a loan.

The ease, with which you can apply for a payday advance online, is what makes the whole process so much simpler than turning to the traditional financial institutions. Of course, you will have to meet certain criteria in order to be eligible, but as long as you earn $1000 or more per month, have a checking account and US citizenship, you are likely to find a lender easily.

How does a payday cash loan work?

This is a loan, which you draw against your next paycheck and for which you will have to pay an interest rate and fees; the money can be deposited directly into your checking account the same day or one business day after you are approved by the payday cash advance provider. The loans typically mature one day after your payday and the money is automatically deducted from your checking account.

Payday cash loan legislation varies from state to state and while in some states it is completely outlawed, in most the terms and conditions are regulated in order to protect the borrowers from predatory lending practices. The maximum payday cash advance amount also varies and while the most states permit borrowing anywhere from $100 to $500, some states allow a maximum amount, which cannot exceed certain percentage of the gross or net income of the borrower.

As already mentioned, the quickest way to get fast money is to apply for a payday advance online. However, some caution should be exercised when dealing with online lenders: you should always try to deal with known and established providers in order to avoid giving your financial and personal information to scammers. Some lenders operate both offline and online and if you are not entirely sure that you are dealing with a legit lender, then you might want to visit a brick and mortar store rather than getting a payday advance online. Most states make special provisions to protect military borrowers - if you fall in this category, take the time to familiarize yourself with the local laws and regulations.

The payday cash loan is without a doubt costlier than borrowing money from a bank, but the procedure also greatly simplified and the approval rate much higher. If you need quick money, then get online, find a legit and well-known lender and apply today, so you can have the money in your account as soon as possible!


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