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.

Wednesday, November 27, 2013

Direct Payday Loan Lenders: Best Practices Are Cost Effective

Direct Payday Loan Lenders: Best Practices Are Cost Effective
When searching online for alternative money options, oftentimes your results will focus on direct payday loan lenders with best rates. Different companies will advertise different loan amounts, interest rates and the speed in which your money will be delivered. What are not often broadcast in the small description are the loan rates and fees. In order to get to the nuts and bolts of the direct lending company, you will want to search their web page and better yet, place a call to their customer service department.

The mad dash for quick cash will often prevent an application to slow down and focus on the details. Many borrowers are in a hurry and are looking for an application approval. Only then will the customer slow down and take notice as to what is going on around them. Money stresses affect a person's state of mind and health as well. For first time borrowers, the stress is even greater. Who would have thought they would end up seeking payday loan direct lender support online when they initially thought they had all their finances under control. It only takes a few rejections or cancellations from creditors to realize things aren't looking so good in the finance department.

If you are going into a short-term loan blindly, in other words, you have no idea what to expect, take precautions to expect the unexpected. Not every direct lender offers great prices; in fact, not every lender works with best lending practices. It is crucial to any new applicant that they check out a few lenders before sending in an application. Even if doing so only saves you an application fee, your finances will be thankful for it later.

Don't get scared about the large APR%. All lenders must convey to their applicants the interest rate percentages that would be charged if they extend a direct payday loan for more than a year. Here's why you shouldn't be scared by this figure... if you are planning on keeping a few hundred dollar loan out for more than a year, you might want to come up with a better plan of action. An average loan is set for a two week payoff with an average interest fee of $30 per $100. Some lenders charge more, others charge less, but if you make any late payments during the time your loan is out, you can expect to see NSF charges accrue. Don't forget any charge your bank may inflict on your account. As with any type of debt, the longer it remains unpaid, the better chance there is of something going wrong. Take note of the APR listed and mover forward to getting your finances back on track in under a year.

Read through the webpage carefully. Call the direct lender with any concerns you may have. Ask about any undisclosed costs which are not listed on the website, including if there is an application fee. Your money is already tight, refuse to work with a lender who charges to look at your application. This fee is no guarantee that your application will be approved. Take your business elsewhere. The last thing you want to do is spend any extra money for a solution to your financial problem.

If the only alternative money option available to you happens to be quick cash from an online payday lender, then make it work for you in the most cost effective way that you can. Understand the short-term loan process and find a lender with the best rates and practices. Make a plan to pay the loan off as soon as possible and you won't have to worry about the APR.


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