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

Direct Payday Loan Lenders: Use The Monkey Wrench to Fix The Problem

Direct Payday Loan Lenders: Use The Monkey Wrench to Fix The Problem
There are many people who live paycheck to paycheck and depend on fast direct payday loan lenders in order to make ends meet. The added expense of obtaining such quick cash keeps these borrowers at the mercy of outside money help. Even if these loans get paid on time, the added interest expense of the initial loan will often place a monkey wrench into future expenses.

Personal budgets will often divvy up bills according to due dates and assign certain paychecks to cover the costs. People who get paid bimonthly will most often split their payments in half so each paycheck will cover a certain bill. For those who get paid each week, they will often have to set aside funds to be used at a later date. When living expenses take up most or all of the monthly income, there is little room for any additional expense. When a person applies for cash with a direct payday lender online extra costs are guaranteed. How fast the borrower is at paying it off will help to prevent increased costs. The initial interest fee is difficult enough to afford when your next paycheck is already claimed by other scheduled bills.

Once that wrench is placed into finances, it is a struggle to recover. Unless borrowers are able to pick up extra work or borrow from a family member or friend, money problems will often decline rapidly. Short-term lenders collect payments every two weeks on average. There isn't much time to recover from one payment before the next pay date arrives. Borrowers are expected to pay all fees as the minimum payment. Unlike minimum charges for credit cards, high interest loan fees are much more damaging to an average budget. Too often, these borrowers will obtain a new payday loan in order to recoup from the prior one. It's a deadly cycle which will only continue to eat away at the little available funds.

Is it possible to avoid additional financial hardship when utilizing a direct payday lender for emergency costs? There are many borrowers who do pay their loans off successfully. In order to experience a successful payoff, you must start out with a payoff plan as well as find a responsible lender.

Find a Responsible Lender

Search for a responsible lender. Direct your attention to a direct lender that has competitive interest fees. For every $100 you borrow, you will have a set fee attached to the full payoff. Lower interest equates to lower fees which makes a full payoff that much easier. Any company which does not provide free applications should be denied access to your bank account. These charges come out whether or not you are approved for a loan. If you are going to accept to pay a direct lender for quick cash, make sure this lender has provided an actual money service.

It is also important to read and understand terms and conditions. If you don't agree to the company's terms of service, then don't feel pressured to accept the loan. With all of the responsible lenders out there hoping for your business there is no need to stick with one you are uncomfortable with.

Talk to the company representative directly. A phone conversation will provide you with a good feeling about the company's customer service. Address any concerns and ask for service clarification so you are comfortable with the direct payday lender company you borrow from.

Payoff Plan

Because of the fast payoff pace of short-term loans, borrowers will find much more success if there is a payoff plan in place at the time of the loan. If you realize on payday that there is not enough money to make all the necessary payments, financial failure is inevitable. Try to earn extra cash during your two week term. Many borrowers will sell unwanted personal property. You may not earn enough to foot the bill, but any amount brought in to supplement your paycheck's demand will help. You may not have a friend or relative who will lend you the full amount, but if you are only shy a small portion and have a plan to prove to them you are working on obtaining the cash, you might just get the necessary relief.

Take every aspect of the direct payday lender's service in a serious manner so you not only avoid further financial problems but use the fast cash opportunity to change the outcome of your money emergency.

Spotya! Online Payday Lender understands the short-term financial needs of our customers but also advocates for responsible borrowing while looking at each payday loan as a unique financial need. Visit


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