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.

Sunday, November 3, 2013

Direct Payday Loan Lenders: Can You Afford The Quick Payoff?

Direct Payday Loan Lenders: Can You Afford The Quick Payoff?
Do you turn to best direct payday loan lenders because you are comfortable being in debt? Most people are in debt due to overused credit cards. Is the minimum payment a comfortable enough expense to justify new debt? When you only make the minimum payment each month, do you worry about how much interest eats at your paycheck? Do you ever think about what your finances might look like if you didn't carry these extra payments around? If the debt is not a necessary expense, why have it scheduled in your budget for so long?

Many people avoid using short-term loans for the fact that direct payday lenders charge high interest. The cost is a bit 'in your face' when an interest fee is attached to the initial payoff. Since this debt is supposed to be paid off in just a few weeks, the lenders must collect their revenue quickly. Because the loans have half the term limit as credit cards, it can become a very expensive debt if not paid off on time. Interest never goes unnoticed when it comes to short-term loans.

Credit cards will usually carry much lower rates with monthly terms and the revolving credit line will remain open as long as you are good at making the monthly payments on-time. Pay down your debt and have that much more available to spend. Give the creditor a reason to raise your rates and not only will the creditor jump on the opportunity, but the rates will skyrocket to short-term loan numbers or even higher. This means that even one late payment could change your debt drastically. Go from a 11.9% interest rate to a 29.99% rate on your current balance, your minimum balance will increase with the added interest charge. Responsible short-term loan lenders will at least keep the rates the same no matter what you do.

How comfortable do you get when your finances can no longer keep up with all the debt and unexpected or emergency costs? If you minimum credit card payments increase and the only way to get fast cash is by applying with payday loan direct lenders online, would you be able to continue making payments as well as payoff the short-term loan? Most often, at this point, comfort has flown out the window and financial stress have is the replacement. Will you be able to afford the payoff?

Honestly answer the above question in order to make the best choices for your finances. Compare your monthly take-home income and all monthly expenses. Don't forget to include any repeating quarterly or biyearly bills. In fact, take a look at the most expensive month in the last year. Use the worst case scenario to plan your monthly budget. If you plan for the worst, the rest of the months will be smooth sailing. You may even find that doing so will alleviate the need for future direct payday loans. While you are at it, you can focus on paying off some that debt you were once so comfortable with.

Credit card companies want you to be comfortable with their debt. It is their strategic way of keeping you on board while carrying balances from month to month. Because their interest does not usually have the same shock value as a short-term loan, people feel good that they are making smart financial choices. It isn't until the debt becomes uncomfortable that many people begin to calculate how much of their income was wasted every month.

Change your financial mindset. Treat credit cards as you would direct payday lenders, pay the debt off as fast as possible and become comfortable with putting money in a savings account for emergencies.

Spotya! Payday Loans does not advocate using a payday loan for just any type of spending. Our loans are meant to be short-term being paid off with the borrower's next paycheck. Visit


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