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.

Monday, October 14, 2013

Payroll Advance: Think Before You Act

Payroll Advance: Think Before You Act
When you are in need of payroll advance fast cash what would hinder your decision to apply for one? Would you think about lack of qualification as a reason not to apply or do you look at the end cost and just realize you can't afford it?

One of the most tempting aspects of a fast payroll advance loan is to have access to money very quickly. It all starts with an easy application which only takes moments of your time to fill out. You can easily fill one out at home or any other place you can access the Internet. Whether you are on a coffee break at work, use your smartphone while at your child's practice or in your pajamas on the couch right after you scheduled your online bill payments. It is a privilege to have access to money when you need it, but overuse can create more money troubles.

In order to obtain short-term loans, you must have your application approved. Just because you get pre-approved over the phone, the loan is not guaranteed. These types of lenders are reported as preying on low income customers, but in reality, not everyone is approved. It takes a decent running bank account, a certain amount of take-home monthly income and limited current payroll advance online loan use without having had one go into default. Prior knowledge of the short-term loan qualifications will keep folks from even attempting to send in an application. If you are one of those people who will give it a shot anyway in hopes somebody overlooks something somewhere, you may not be doing yourself a favor.

If you are leading towards applying to a direct lender yet you know that your financial situation is not a good fit for the short-term loan's terms and conditions, why continue? It's a good question that many people ignore and fill out the application anyway. When they are rejected, they keep trying to find a lender who would. It would be good to take a moment at this first rejection and find out why the application was denied. Maybe the problem is something simple which could be quickly rectified or perhaps the applicant should just stop trying to knock on this money option's door.

When the terms and conditions are presented to you, do you assume you know what is involved with this lender's practices or do you read through the small fine print looking for any hidden costs? It is never safe to sign third party money contracts without fully understanding how the company works. It is always good to ask all the negative what-if questions so you know exactly where you stand if something was to happen with your finances within the next few weeks.

How long will it take you to pay back this loan? Can your budget afford to lose this chunk of money out of your next paycheck? If you choose to rollover the loan in order to buy you more time, remember you are buying the time, literally. The high interest charges will continue to accrue each time you select this option. The final cost of a loan will grow rapidly when not paid off on the original due date.

There are those people who know they cannot afford to pay it back and frankly don't care. These are the folks who are in a vulnerable position and will take any money help no matter the cost. Financial troubles continue to develop and eventually this option will close their doors as well.

Before you even begin to obtain fast cash, take a long look at how it will impact your life. If the payroll advance lender will supply much needed cash and the positives outweigh the cost, then you would not waste another moment and apply for fast cash now.


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