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 10, 2013

Choosing the Right Payday Loan Lender

Choosing the Right Payday Loan Lender
If you don't know what a payday loan is, it is a short-term loan provided by a lender to cover you until you receive your next check. This is a great way to get the extra cash when you need it most. In order to make a sound financial decision though, you must first choose the right payday loan lender.

There are a few things to take careful consideration of when choosing the right payday loan lender. Be sure to pay close attention to the rates and interests. This is where many people get into financial trouble; not having enough money to pay back the loan - incurring extra charges and fees.

A few other things to look for when choosing the right payday loan lender is if they offer grace periods and extensions, in case, for some unforeseen circumstance, you cannot pay back the loan on the due date. This can also help you avoid extra charges and fees as well.

When choosing the right payday loan lender, consider direct lenders. Direct lenders, although they require a more strict application process to ensure you are not a financial risk (as they are responsible for loan defaults), tend to make loan decisions based more on character reference rather than what is represented on paper. This is made possible through direct negotiations by the individual or business with the company. 
Another benefit of dealing with direct lenders is that you can eliminate fees that might otherwise be incurred when dealing with a vendor (any person or company that offers goods or services) or broker (a person who is paid to act as an agent).

The one disadvantage of using a direct lender is that they are only allowed to make certain loans up to a certain amount. After that, the direct lender will no longer lend you any money. Only when a direct lender is no longer an option, can you then consider using the services of a vendor or broker. Do a lot of comparative shopping before choosing the one that you feel is right for you.

Although you can find a number of storefront locations to visit in your local area, you can connect to the internet and view online payday loan lenders as well. Benefits of choosing an online payday loan lender are:

1. being able to locate terms and conditions directly on the website 
2. having access to FAQs (Frequently Asked Questions) 
3. contacting the lender for more information 
4. completing the application process on a secure connection (which keeps your information private) 
5. getting a decision quickly (usually within a few minutes) 
6. reviewing and printing documents 
7. The convenience of doing it from your home.

As most of these online lenders are verified, there is no reason not to consider this an option if for some reason, other options are not available. As long as you do your homework, you should have nothing to worry about. Thousands of safe and secure financial transactions occur on the internet daily.

Choosing an online payday loan lender is not only beneficial to you, but to the lender as well, since there is no overhead. With fewer expenses, the profit margin is greater and they can offer those extra savings to their customer, providing you with even more incentives.

Choosing the right payday loan lender is a convenient way to get cash when you need it most. Remember that payday loans should only be sought when all other options have been exhausted and in times of emergencies. With some sound financial advice and a little common sense, choosing the right payday loan lender can be reassuring, making life just a little easier.


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