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.

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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, September 29, 2013

Payday Loans As Emergency Help

Payday Loans As Emergency Help
You just cannot predict an emergency, can you? That is the difficulty with emergencies. You can have insurance and you can have fantastic friends and family, but if they cannot help when you require it, you are on your own again. Then what occurs if you require cash all of a sudden?

Not so long ago, a friend of mine went down to the bank after a day's work to draw money from the ATM with his cash card as he had done for years. He put the card in, typed in his PIN and whir, whir, whir: "Please contact the branch that issued your cash card". He knew there was money in the account and he was certain he had put the PIN in correctly, but it was a nuisance. No money and he would have to take an hour off work.

This he did and went to the bank, where he was told that his account was blocked due to a suspected attempt at identity theft. He was told that there would be a short investigation of probably five working days, which meant no money for a week.

What do you do? What are the alternatives? Friends, family? He did not want to admit to them that he had no money, so the only option available to him as he saw it was an emergency payday loan.

His account would become reinstated eventually, there was no question about that and he had all the usual insurance, but none of them could help him here. He had simply fallen through the support net that he had created for himself.

Lots of people do not have such a support net anyway and many people do not have any reserves either. Reserves and insurance are often the first fatalities of a recession, which is one of the reasons for the increasing popularity of payday loans.

However, it is vital to read the terms and conditions and make certain that you will be able to abide by them or you might find that you have made a rod for your own back by accepting a payday loan.

The first conditions are normally that the applicant is of legal age, in stable employment and earning over a thousand a month. Sometimes you are required to have a bank account too (so make sure that you always have at least two in two different banks).

Anyone who meets the criteria will almost certainly be successful. The money is available instantly, but it depends on how much is asked for. The usual range is 100 - 1,500 and the repayment will usually fall due within twenty-eight days. The interest rate, including charges, is horrendous, often at 30% or more, but to be impartial, most of it is a charge, after all it costs equally as much to have an administrator approve a payday loan for 100 as it does for a payday loan of 1,500.

It is crucial to be careful with payday loans because they are so expensive. They should only be used in dire emergencies and never for luxuries.


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