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.

Monday, December 23, 2013

Payday Loan - Debt Trap Or Financial Assistance?

Payday Loan - Debt Trap Or Financial Assistance?
In the past, payday loans have received a controversial reputation. When given a closer look, however, it appears that much of the harsh criticism the payday loan industry has received is unwarranted due to common misconceptions and lack of understanding. In actuality, cash advance loans can be quite beneficial to borrowers saving them both time and money. For the irresponsible or inexperienced payday loan user, phrases such as "debt trap" and "snowball effect" are commonly heard and tossed around. With any financial activity, there will always be risks and consequences if you don't make smart money-management decisions.

The reality of cash advance loans (with proper use) is that they can actually be a life-saver when you are facing an emergency situation or simply need a little extra cash to make ends meet in between paydays. While cash advance lenders don't typically discriminate how you may use the cash from your loan, they do advise you only use them if absolutely necessary to avoid spending beyond your means and falling deeper into debt.

One advantage payday loans have over credit cards and other lending options is that they do not perform a credit check. For individuals who have recently filed bankruptcy, have poor credit, or even lack of credit, securing a loan can be a near-impossible task. Without requiring a credit check, borrowers who have been denied a loan or may not have otherwise qualified elsewhere can get a payday loan. While cash advance loans are not reported to credit bureaus, they can help you protect your credit by providing the necessary money to pay your bills when they are due. If you are going to be short during a pay period to fulfill your financial obligations, why not take out a cash advance loan and keep your credit intact?

Credit check aside, payday loans are still uncomplicated to qualify for. Borrowers interested in obtaining a cash loan need only meet a few easy-to-meet criterion, including: be 18 years of age or older; be a citizen of the United States; be currently employed and earning at least one thousand dollars each month; have a valid checking or savings account set up with direct deposit. With such simple requirements, could it get any simpler? Of course the answer is yes!

There are countless cash advance stores, online payday loan lenders, and other places to lock in a payday loan. Thanks to the convenient technology of the Internet, customers can apply for a cash advance from their own home; this can be a major advantage to those who may be embarrassed or uncomfortable with others knowing they may need to borrow money. While it is nothing to be ashamed of, having the online options has served as a major advantage to many payday loan borrowers.

Let's recap. Cash advance loans can be used to bail you out of a financial emergency, do not require a credit check, are easy to qualify and apply for. Just when you thought there couldn't be any more advantages - there are! Online cash advance lenders are able to obtain all required information online so you don't even have to use a fax machine.


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