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, December 27, 2013

Direct Payday Loan Lenders: Usage Signals Budget Troubles

Direct Payday Loan Lenders: Usage Signals Budget Troubles
Have you ever had to compromise your financial goals and objectives in order to deal with an emergency? Financiers are always talking about what is right and wrong when it comes to managing money, but what happens when their advice makes no sense to your situation? Don't use retirement money, don't get trapped in credit card debt and don't ever use online direct payday loan lenders to make ends meet are warnings that are often rejected.

You may never think you would ever do any of the above until your finances fall into a spot that calls for drastic measures. It is nice to think that we all could possibly have a wealthy family member or close family friend to bail us out of this and that. It would also be nice if everybody started saving as soon as they got their first job. But alas, a typical household has to depend on their income to support the budget and mistakes of the past as well as the never ending supply of unexpected costs which keeps money out of the savings account.

Maybe you have dipped into your retirement account to help your finances. It would be great if it the money is returned soon after, but most people would not be able to save up enough put it back. This cash does not come overnight and it carries with it some tax liabilities. It must be claimed as income and if it puts you into a higher tax bracket; your money problems are not over.

"I'll just charge it" is a popular option. Just look at the staggering credit card debt numbers for households in this country and many others as well. These plastic cards are accepted all over and in some cases is the only option. Cash cannot even be used in as many places. The problem with this debt is how it gets managed. The minimum payments are appreciated and make the debt affordable but it also does very little in getting rid of it. The revolving accounts also allow people to continue to use the money over and over oftentimes maxing the card out to make the minimum payment more than the user had originally budgeted for. If there was only one credit card per household then the debt wouldn't be so bad, but in fact, multiple cards are often filled creating a strain on any attempts to pay for extras, emergencies or put money into the savings account.

Without a savings account and filled credit cards, payday direct lenders tend to be the first stop for quick emergency cash. These short-term loans are used more often than car title loans or pawn shops because they are not secured to any personal property. If for some reason the loan payoff runs into trouble, the borrower will only pay a bit more in fees rather than losing ownership of the secured collateral. Many borrowers will get the loans paid off in less than 5 months and move forward trying to find a way to prevent the need for one again. These loans work best for emergency purposes rather than relying on them for any type of uncomfortable money situation. It's hard to find other ways to get bills paid, but for someone who is already leaning on alternative online direct lender money options, something has to give.

Emergencies happen every now and then. If your budget is an emergency situation every month then you really have to stop using money outside of your income and make your expenses fit inside it. If it means finding a new job or getting a second job, then give it a try. If you have to downsize your home, apartment or car to lower your expenses then take the plunge and cut back. If you just have to rework your budget and cut down on tall the little expenses throughout the month in order to plug up the everyday money leaks, focus on getting everyone in the house involved.


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