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.

Friday, November 1, 2013

Know Your Rights Before Choosing the Best Payday Loans Lender

Know Your Rights Before Choosing the Best Payday Loans Lender
There are thousands of customers are applying and getting short-term loans ever hour and when you check further then can easily see that the most popular among all of them are payday loans. These are quick way to get rid of financial emergencies. Due to high in demand, there are several offline as well as online companies are running their business by providing payday loans services.

Due to good number of payday lenders in this industry, it is pretty sure that there might be some phishing and scammers also that are doing unethical practices and cause loss to their customers. Due to those bad lenders, the whole payday loans industry get criticizes by several newspapers and local authorities as well. There are plenty of borrowers complained about bad experience with their payday lenders which is why it becomes very important to dig more in this topic by research and find a legal, reputable lender and also know your rights and responsibilities.

If you have not submitted your loan application to the lender then it is better to take some time and understand about how the loan works and what your available rights are. Nonetheless you should actually know the exact amount that you are going to repay at the time of the repayment.

Payday loans are credit agreements similar to other credit options like bank loans or credit cards with some practical differences. The advantages in payday loans include quick and easy process but the borrowers not totally understand that they are getting involved into a complete credit agreement. Choosing a payday loan without understanding its pro and cons is simply a big mistake and you should always go through the details of that loan program which you are willing to avail.

For your help, here are some set of questions that you should ask prior to apply for payday loans:

Question 1: What is the interest rate of the loan program and total cost of credit?

Answer: The rate of interest is directly proportional to the amount repayable for payday loan. The TCOC (Total Cost of Credit) is very important as it is the actual amount repayable.

Question 2: What are the Consumer's rights?

Answer: Well this is a question whose answer can be different with respect to different lenders. Good lenders always understand consumer's rights therefore they always provide the information on their website. If by any means they don't have their business website then they will surely provide you other legal details like some links from where you can read all the terms and conditions regarding the loans.

Question 3: Does the lender Legal and reputed?

Answer: It is actually an important question and you must know its answer before you apply for the loan application. You should check the history of lender. Legal lenders are licensed and authorized to operate as a private lender. They follow fair lending policies and always give prompt response to all the queries asked by their customers. If you find that the lender that you have chosen does not have license and authority to work then don't go with the lender.

Question 4: Are you capable to repay the loan on due date?

Answers: At the time of accepting the contract regarding payday loans, you automatically agree on repay the total amount i.e. Main loan amount, interest amount and additional charges (if any) to the lender at specific time frame and hence you should also check your earning source as well and check whether you can afford to repay the amount on time or not. If not then consider not taking that much amount as loan. Failure of repayment can cause bad effects on your credit score and you can get blocked from taking further credits at financial institutions where only good credit ratings are acceptable.


You should act smart while considering all your options and find yourself a good payday lender that can provide you the required amount of cash with all the features that are meant to help you. Always prefer a genuine, legal and cost-effective payday lender that will give you fruitful experience while payday lending.


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