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Author Archives: Kristy Lamar

online cash advance

Is An Online Cash Advance Right For You?

Today’s society has fallen into the blame game syndrome. It seems that many people are making numerous claims against online cash advance companies to defer the blame to somewhere else. The financial industry is full of lenders and borrowers pointing the finger at someone else. We have foreclosures and bankruptcies galore, and reports of businesses losing revenue promoting store closings. And let’s not forget the everyday people crying out for health insurance and help with debt relief. When it comes to taking responsibility for these issues, each person or company … Continue reading

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Payday Loans Online Versus Personal Responsibility

There are differing opinions on whether the payday loans online industry should have more government regulation or abolish short-term loans. Even still, some believe more personal responsibility needs to be demanded. Different Thinking to the Payday Loans Online The conservative party has argued for the personal responsibility component to online payday lending. Likewise, the liberal view is that government control should protect the economic classes from predatory lending tactics should be exercised. Consumer advocates will agree and take on the fight of the democratic point of view. More government control … Continue reading

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medical debt

Medical Debt: Should I Use a Payday Loan to Pay it Off

Medical debt is increasing as the population continues to remain uninsured and underinsured. On the same note, the cost of medical procedures, maintenance programs and prescriptions are weighing heavily on many people’s finances. Understand that not paying your medical debt will only get you into a troubling financial situation. Should I take out an online payday loan to pay off my debt? Firstly, there are some options, so you might want to consider these ideas. Moreover, here are some ways that could help you out of debt and on financial … Continue reading

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payday loan online

What Is A Payday Loan?

A payday loan is a non-traditional short-term credit loan that allows the borrower to get cash quickly. Although payday loan lenders operate in storefront locations, typically a shopping center or “strip-mall”, the majority of these types of lenders are also online. It makes it that much faster. It’s also easier to choose a lender and apply for a cash advance.  What You Need for a Payday Loan Application Applying for a payday loan is as simple as filling out a 2 step application and pressing the submit button. Basic information … Continue reading

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Credit Score: Assessing the Damage to Better Your Financial Situation

There is so much talk when it comes to credit scores and how they affect your financial situation. When you have a good score, you are more likely to get that loan you need, but the probability goes down when your credit score is low. Funding from banks has had tighter standards since more people have been defaulting on their loans. High debt to income ratio can also prevent you from receiving approval, even with a high credit score.  Raising Your Credit Score Applications for loans are more scrutinized than … Continue reading

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payday lender

Direct Payday Lender Offers Insight To Reading A Credit Report

A direct payday lender will not be reading your credit report, but all your other creditors will. Some people have never even seen their credit report. Knowing how to read this important piece of information will allow you to see what everyone else does. What Does a Payday Lender or Anyone See on a Report? Did you know that you can get a free credit report every 12 months? Different websites will provide an ongoing free credit bureau check. One that I use and will receive emails if something on … Continue reading

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payday loans online

Finding The Good Within Payday Loans Online

Even with easy access to payday loans online, people continue to struggle with their finances. The unemployment rate and those who fall within the underemployed category make up a large group of Americans struggling. Notwithstanding, the recessive economy is not helping the matter either. Difficulties lie with people working excessively to pay for necessary living expenses. Americans try to keep up with mortgages, rents, and car payments. Budgets are exploding with uncontrollable costs sending consumers out for financial answers. Who Does the Payday Loans Online Help? There are many solutions … Continue reading

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payday loans online

Payday Loans Online Do Not Work For Every Problem

Payday loans online can work great if they are used to take care of a small financial crunch. Also, if an unexpected emergency arises, a cash advance may solve the temporary problem. On the other hand, trying to use these short-term loans to take care of existing debt will only sink you further in debt. Once your debt-to-income ratio has been overloaded, it will be extremely difficult to access a large chunk of income to pay off your payday loan in full and on time. Don’t get caught in this … Continue reading

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help with payday loan debt

Getting out of Credit Card or Payday Loan Debt

Can I get out of credit card debt? How about payday loan debt? Regardless of where it’s coming from, debt is debt. It would be best if you climbed out of that drowning situation before it takes you to places of no return. How to Get Out of Payday Loan Debt Yes, you can get out of credit card or payday loan debt. It is so easy to get into credit card debt and it is difficult to get out of payday loan debt. BUT, it isn’t impossible. To get … Continue reading

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payday loan online

Top 10 Questions For An Online Payday Loan Lender

Finding the best online payday loan lender for yourself is as important as keeping your financial matters in a positive flow. Communication is essential between customer and lender, and you should feel comfortable asking questions at any time during the loan term. 5 Great Questions to Ask an Online Payday Loan Customer Representative: What are the fees for this loan? A fee should only be charged for the initial loan, which will be added to the loan amount and paid off at the end of the term—no upfront costs. When … Continue reading

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