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Help with Debt

Online Cash Advances Or From A Credit Card?

Posted on June 27, 2012 by Kristy Lamar

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 →

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Military Personnel Debt Is An Exception To Most Rules

Posted on June 26, 2012 by Kristy Lamar

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 →

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Do Store Credit Cards Hurt Your Credit?

Posted on June 25, 2012 by Kristy Lamar

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 →

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Cost Effective Fees Promote Online Payday Loan Industry

Posted on June 24, 2012 by Kristy Lamar

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 →

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The Lenders’ Risks With Online Payday Loans

Posted on June 23, 2012 by Kristy Lamar

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 →

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Do State Regulations For Online Payday Loans Apply To All Companies?

Posted on June 22, 2012 by Kristy Lamar

It is a well known fact that many states have set up regulations for payday loan companies to follow. Companies are required to follow these rules which were set up to protect customers from predatory lenders. There are certain lenders who do not fall under these regulations and the online payday loan industry is creating big business opportunities from people stuck with loans which they cannot afford to pay off due to high fees and interest rates. Offshore companies do not have to follow the guidelines set by the state … Continue reading →

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Are Payday Loan Companies Unfairly Targeted For Using Demographics?

Posted on June 21, 2012 by Kristy Lamar

Demographics is a major deciding factor to any start-up company or to those who are branching out to new locations. As with any industry, money lenders can be found quite easily in certain areas of town. Who is the judge as to where a good or bad place can be? Labeling businesses as predatory lenders for using demographics to target customers seems to be quite unbalanced since the practice of it is used throughout all industries. I guess it all falls into the laps of each individual and their particular … Continue reading →

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Overdraft Fee Revenues Are Pushing $30 Billion

Posted on June 20, 2012 by Kristy Lamar

With overdraft fees running between $30 and $35 per transaction, the financial institutions are making bank. In 2011, the banks collected almost $30 billion in revenue from these fees. Where do these funds come from? Overdraft fees are collected from checking accounts across the nation when overdraft errors occur. It is the hard working consumer who is paying the billions in fees. Imagine the difference it could make to have billions of dollars still in checking accounts. Overdraft protection plans are set up to help you keep the costs down … Continue reading →

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Payday Loan Leads From Online Auctions

Posted on June 19, 2012 by Kristy Lamar

A booming business is coming out of payday loan applications without having to lend any money at all. Payday loan companies, located in stores and on the web, are bringing in loads of loan applicants who fill out personal information on their loan applications. These potential customers are looking for quick cash to help them out of a financially stressful bind and do not necessarily read the fine print on the application. If you see, most often in small type, the words “not a lender” then the business you are … Continue reading →

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Lender Fees: Uncovering The Costs

Posted on June 18, 2012 by Kristy Lamar

How do lenders charge a fee? Anytime you see the words interest rate or service fee, you can promise that your money will be going to the company to pay for their services. There are various reasons as to why these fees are attached to transactions. The more you understand the reasons they occur, the better equipped you will be to pay the least amount. Payday loan lenders use the words service fees. This fee is to pay for the price of getting an unsecured loan which is usually to the risk of the lender of … Continue reading →

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*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.

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