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

Understanding Your Rights and Responsibilities Can Help You to Get the Most Out of a Payday Loan

Understanding Your Rights and Responsibilities Can Help You to Get the Most Out of a Payday Loan
If you are contemplating applying for a Payday loan, there are some important aspects you should consider before applying.

First, you need to identify a reputable lender who is established as a trusted source of short term loans. Your chosen lender should have all the required licences to operate as a private lender, and they should provide you with all the information you need, in order to make an informed decision about whether to borrow money on a short term basis.

Here is the type of information that should be made available to you by a good lender:

First, you should understand how Payday loans work. Make sure you know how long the loan is for, and exactly when you will be required to make the repayment. This is normally on your next pay day, when your wage is in the bank.

Next you need to find out about the interest rates and any fees associated with the loan. Some lenders add administration fees to their loans in addition to the interest on the loan, and this can make them much more expensive than they first appear to be. If you calculate the total cost of the loan, you'll be able to make better and more accurate comparisons between lenders. Comparing interest rates does not always highlight the cheapest or best loans.

You should have an understanding of your rights as the borrower too. This includes how and when the lender can contact you, and how they will help you if you are unable to repay the loan on the specified date.

All these aspects are important and will help you establish whether you are dealing with a good lender. They will also help you identify the best lender who is offering the short term credit facilities best suited to your needs.

Cash emergencies can crop up at any time, and Payday lenders understand the need for quick decisions and swift replies. It can be extremely stressful when you have run out of money, so the best lenders will do all they can to work with you quickly, and help you find a solution that suits. However, don't be rushed into a decision to borrow. Some unscrupulous lenders may use your stressful situation to attempt to rush you into a decision, or make you feel as though you must submit an application. This is not the case.

There will be time to carefully consider your options, and decide what is best for you and your family, before you submit the application and formally accept the credit agreement.

If you are struggling on a very low income, or have problems with long term debts, then a Payday loan may not be the best solution for you. It is always best to consider your own financial situation carefully before entering in to any credit agreement. If you are unsure, then it is best to speak to a credit adviser who will be able to help you.

Remember, you, the borrower, have the right to ask questions, be treated courteously, and receive all the information you need about the Payday loan you are interested in. Your lender has the right to ask you for your name, address, employment details and bank details. If you do apply for a loan and it is successful, you will be entering into a formal and legal credit agreement with your lender, so take the process seriously. If you use Payday loans wisely, as a means to access emergency cash when you need it, you will have no problems with this form of borrowing. And it can be a huge help during difficult times.

The author of this article is a customer service manager at DoshDelivery.co.uk. He is also a staff writer for the company. Dosh Delivery is a pay day loan company who offer loans to eligible individuals directly without any intervention of brokers. To know more about the services offered by Dosh Delivery, please visit them at


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