Online Cash Advances do help when you are in need for some fast money. Many good people who go through money struggles end up paying for them for seven years. That is the timeline for bad marks to fall off of your credit history. During this time, it can be a struggle to get an increased credit limit on a credit card without risking a rise in your interest. Adding to your debt to income ratio ( which is one-third of your credit score) will also cause future lending problems. … Continue reading →
Who needs help with debt? It seems like I can’t ever get ahead of my finances. I keep getting behind, and some other expense comes up. Who’s sick of those dreaded credit card payments? Tired of being behind every month? Who’s ready to get ahead and take charge? Sometimes to help with debt, you need to consider a payday loan. Before you apply, think about it and make sure it makes financial sense. Admit That You Need Help With Debt All we have to do is understand one idea: KEEP THINGS … Continue reading →
When needing some fast money to help out with bills or emergency costs, many people choose online payday loans as a quick solution to their money problem. When used appropriately, these types of short-term loans work well to help protect the customer’s budgeted expenses. These loans are infamous for their fees and high annual interest rates. States which allow these lending practices are have regulated the amounts on fees, interest rates and the capped the loan amount as well. The states believe that with these practices in place, the customer … Continue reading →
Today’s society has fallen into the blame game syndrome. It seems that there are many people who 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, 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 results, each person or company … Continue reading →
Responsible borrowing is definitely challenging when there are bills to be paid. Finding a short-term solution like applying for an online cash advance may seem to bring some relief into your budget, but not usually for long. These types of short-term loans will need to be paid back with your next paycheck. This proves to be a struggle for many and instead of working at getting yourself out of debt, the debt continues to grow. Climbing out of debt is not easy. It is a long process which takes lots … Continue reading →
How many people actually read the fine print for credit card terms and policies? Credit cards market their cash advances in similar ways as online cash advance for quick cash would approach the subject. They are both opportunities for someone to get money in a short period of time without having to drive to a “brick and mortar” location. There are some distinct differences between the two which some people find confusing and direct them in the wrong direction for their particular financial situation. Credit card cash advances: This fast … Continue reading →
Military personnel have the Servicemember’s Civil Relief Act (SCRA) to help protect them when debt becomes troublesome. This act is an improvement from the Soldier’s and Sailor’s Civil Relief Act (SSCRA) which helps a member of the military with debt accrued prior to being in the service. Individuals who are currently enrolled in the service do not always have the time or the resources to effectively plan to relieve themselves of debt. New debt relief benefits for members who are active in the military are: Eviction protection for those personnel … Continue reading →
Are store credit cards worth applying for? When you get to the register and someone asks you if you would like to save 20% on your purchase with immediate application and approval, you may think it sounds like a great deal. The instant savings that can be had by opening the credit card account may be the only positive effect you receive. There are pros and cons to having credit cards which are limited to certain places. What are some perks to applying for and using a store credit card? … Continue reading →
There are many reports focused whether or not payday loan lenders target poor people. I’m sure there are some companies out there whose practices suggest those actions, but any company who follows state regulation guidelines and are responsible lenders will not be targeting this low income level. Spotya! Online Payday Loan is one of the responsible lenders. The qualification process which Spotya! has set up, will only lend to those who earn at least $17k per year and then those customers would be limited to a maximum loan of $175. … Continue reading →
Why do loans from online payday loan companies have higher rates than those from banks and credit unions? The higher costs for these types of loans are derived from the extreme risk which is involved in lending to people who have a bad credit history and no collateral for back up. Banks and credit unions will only provide loans to those who apply with good credit, fall into a certain range for wage earnings, have a valid reason for loan, and have a low debt to income ratio. Many applicants … Continue reading →
*THE OPERATOR OF THIS WEB SITE IS NOT A DIRECT LENDER. It does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a direct lender. Providing personal information on this Web Site does not guarantee that you will be approved for a short-term cash in advance loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all direct lenders can provide up to $1,000. Cash transfer times may vary between lenders and may also depend on your individual financial institution. In some circumstances, faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Payday loans online and/or cash advance loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a payday loan online based upon lender requirements.
** Typically lenders will not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Credit checks or consumer reports through alternative providers may be obtained.