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 22, 2013

How To Get A Loan Approval With Credit's In The Crapper

How To Get A Loan Approval With Credit's In The Crapper
For most people, there will always be that time when their credit is far from perfect. Those which has bad ones, know how difficult it is to live without credit access.

Luckily, it's still very possible to get a loan. But of course, those with bad credits should always expect to get a higher rate because they tend to pose more risks - in the lenders point of view.

The more responsible they are in handling the loan though, the better their credit scores will be. These tips will help those who currently have bad credits - to have a better chance of getting a loan and a better credit score.

1. Consider a payday loan.

Payday loans are loans of a short-term made strictly based on your capability to repay the loan on your next payday. Because this types of loans doesn't really check credit reports, applying for a payday loan does not greatly affect your credit scores - unless you default on your payments. Payday loans are very useful for time essential situations where you will be in great need of quick cash.

2. Work with a broker.

If you're planning on a home remodeling loan or a mortgage loan, a broker may help you by matching you with a lender that allows or offers bad credit loans. Brokers usually have worked with different mortgage lenders (banks included), and they may be able to help borrowers get a loan that meets their needs. And, since brokers usually have access to the lenders credit terms, they will be able to help provide guidance to borrowers with bad credits.

3. Get a cosigner.

Basically, a cosigner is someone related to you, and has a good credit score. The cosigner will then have an agreement with the lenders to take responsibility - I your behalf - for the loan in case you don't make or miss on some payments. Since you're also labeled as the borrower, paying timely will improve your credit score as well. A better credit score would give you a better chance of getting loans online in the future.

4. Offer collateral.

Collateral is any property you already own that can be used to secure a new loan. Homes and automobile are usually the most commonly used properties as collateral for personal loans. However, new companies nowadays frequently offer equipments or gadgets as collaterals for business loans. Collaterals ensures the lenders that the loan will be repaid.

5. Apply for a bad credit loan.

The good news is, you can actually find lenders who only work with people with bad credit. These lenders don't really check previous credit history, but they can and will give positive feedbacks to credit bureaus.

6. Increase your credit score.

Having high credit scores make getting loans approved easier. Credit scores are affected by available credit, collection accounts, and debt to credit ratio. This also means, paying your overdue bills can increase your available credit - and score. Paying outstanding debts will also help you qualify for unsecured loans.


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