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, November 7, 2013

Is a Payday Loan Your Last Resort?

Is a Payday Loan Your Last Resort?
A payday loan is unlike any other type of personal loan you could take out. When you go to your bank to ask for a loan, they check your credit and put dissect your finances to see if you are qualified. When you walk into a payday loan service, you are not subjected to a credit check and the application process is extremely light and fast. When you take a loan from the bank, you can pay it back slowly over time or may have a long term due date. When you take a loan from a payday service, you typically have to pay all of the money back plus interest within one or two payday cycles.

Due to higher interest rates and faster required pay back, these loans are typically reserved for those who have no other options. A payday loan may not have ideal terms, but the terms are there when you do not have any other option and need money fast. In fact, this is the only type of personal loan that many people can be approved for today.

Yet, you should make sure this is truly your last possible resort before locking yourself into a payday loan. If you really need it, this is the personal loan that could save you from very bad things happening in your life. You just do not want to go into this type of loan if you have other options.

Ask and You May Receive

Before you commit to a payday loan, make sure there is no one in your personal life who could give you a loan with better terms. It is always a matter of pride when you have to go to someone and ask for money, but if it could help you out of a bad situation it is worth asking. You never know who may be willing to help you out if they know you are in need.

If you feel bad asking for money outright, consider setting up a personal loan with someone you trust. Offer them a small amount of interest on the money and sign a paper guaranteeing you will return the money on a certain date. If the interest is lower than you would pay for your payday loan, then it could be preferable to the loan with a service.

Question Your Motives

Before taking out a payday loan, you should also question your motives for asking for this loan. Determine exactly what you will pay off with the loan. Then question whether it is worth the amount you will end up repaying for your personal loan. Make yourself justify this expense so you know if this is a responsible financial move, or not.

If you are in a serious situation, then this decision will be easy to make. If you just want to buy something trivial, then you could very easily go without the personal loan and be better off in the near future.

In many cases, a payday loan can be just what you need. You just want to make sure it is in fact your only way to get this money, and that the money is worth spending in this manner.

Need fast & easy payday loan? Credit Hub Capital is a licensed Singapore moneylender.

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