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, September 30, 2013

Payday Financial Assistance Needed to Get Through a Tough Time

Payday Financial Assistance Needed to Get Through a Tough Time
More and more people are finding themselves needing to find a small temporary loan or some other type of helping hand just to make it through each day. One of these helping hands is an Unsecured Line of Credit.

Now there are many types of unsecured credit available. Credit cards, Installment loans, short term loans, Revolving credit plans, and also cash advances. Credit cards can help, but not everyone has a credit card or has the qualifying credit score to get on board with a credit card company. In addition, cash advance fees are high and if you miss a payment, your rates can go up and you will incur additional charges. An installment loan is an unsecured credit loan payable over a set period of time as well as a set number of payments to pay back. Short term loans come in the form of Payday Loans and Payday Advances, which a payday loan company will loan you an amount of money based on your income that you should be able to pay back within 2-4 weeks. Revolving lines of credit are a type of loan where a company gives you a credit limit and you can take some or all of the money out and then pay interest and fees until you pay the loan principal back, with no set time to pay the loan back. As you can see there are many types of unsecured loans to provide you the financial assistance needed to get through a tough time.

So who would need these types of unsecured loans? A research survey was conducted in 2012 and found that over 12 million people in the US have used payday loans, that calculates out to roughly 4.5% of the people living in the US. It appears that 75% of people taking out payday loans were at a storefront and 25% borrowed from an online provider. The majority of payday loan borrowers were white, female, and between the ages of 25 to 44. Obviously most of the survey was looking at various surface level indicators of loan activity based on gender and race, but the survey did show that 8% of renters making 40k-100k as well as 6% of homeowners making 15k to 40k were a part of the majority of loan recipients.

Cash advance loans are of great importance and to some people can be the only last hope to get by in a real time of need. You can use the money for anything from real life emergencies, changes in the amount of your paychecks, or other various issues like car problems, medical issues, bad financial decisions, and a slew of other issues as well. Sadly enough, banks and commercial loan agencies are not interested or unable to provide you these much needed loans for small dollar amounts. So when people are faced with real life situations, where money is needed, short term cash advance companies provide these customers with an option. When applying for loans, the best route to take is that which clearly defines the difference between rates of one lender to the next. When loan agreements are blindly entered into, massive amounts of daunting debt can accumulate before the borrowers fully understands what is happening and why.

Lenders are proud to be a leading competitor in the payday loan industry and pride on lower interest rates. Customer loyalty program and work hard every day to build relationships and to help people to complete their loan agreement. In addition to offering highly competitive rates and service, credit repair function as well to help people to get themselves out of debt and on to a more stable financial future.


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