Your Questions About Payday Loan Lenders
January 14, 2012 by Loans Guide
Filed under Payday Loans
Mark asks…
payday loan companies?
Does anyone have a list a reputable online direct payday lenders?
Loans Guide answers:
Oxymoron.
NO such thing as a reputable online direct payday lenders
Steven asks…
HELP! Can payday lenders report to the 3 credit bureaus?
HELP! I took out a payday loan that I thought was for double the amount of the loan, but its actually for more than 4x the amount!! I took out 2,500 and they want me to repay 9,800!!! Help! I’m a single mom and my ex was laid off and I fell behind in my bills. I used the loan to catch up. I don’t want this on my credit report, but I don’t want to pay that high amount either. Do you think they will let me pay them off the 2,500 without all the interest? I’m scared to death! I don’t want this to ruin my creidt.HELP!
Loans Guide answers:
?ep. ???
???
Sharon asks…
My husband is in the Navy. Are there payday lenders willing to help military?
My husband and I just moved to a new duty station in Oak Harbor, Wa. I drove our 1st car here from san diego but it is expensive to drive. our 2nd car is a smart car and gets much better gas mileage. I just got a job at a casino and at the Navy exchange and I need to fly back to San Diego this weekend and get the car and get back to Washington by Tuesday morning. We need $400-$450 for the airline ticket and gas back to NAS Whidbey. We have talked to Pioneer Military Lending and Omni Financial and neither of them are in the Island and neither of them will be able to get the cash to us within 24 hours. Does anyone know of a walk in payday loan or cash advance able to lend cash instantly to military personnel? Its hard to find since the law was passed and most places do not lend to military.
Navy Releif said no. We had one with them 6 months ago and they say no more than one in a year
Loans Guide answers:
Try Advance America
Charles asks…
I need to find a payday advance loan site that will deal directly…i keep trying thses diffrent sites no luck?
I am looking for an advance payday loan site that isnt one of those “let us match you with out lenders” type..they keep sending me on an endless chase and I have about had it..please help me before I tear my hair out!!!..lol.thanks for any help.
Loans Guide answers:
Www.mycashnow.com
George asks…
Can title loans like the payday advance be report to the bureaus?
http://www.privacyrights.org/fs/fs6c-CreditScores.htm#4
I pay my bills on time, but in cash. Can I ever hope to get credit?
Fair Isaac has developed a new scoring model designed to score credit risk through “non-traditional” data obtained from various data vendors. This, the company claims, will make credit easier for the nearly 25% of the population that either has no credit file or too little information to benefit from traditional scoring models. The kinds of accounts covered in what Fair Isaac calls the FICO Expansion Score include deposits with a bank, records with payday lenders, and purchase payment plans.
I have a loan on my title and having trouble building credit. If the info on the link is true how do I get it reported.
Loans Guide answers:
1) The creditor has to be someone who participates in the credit reporting system. Some lenders do not. Most title loan companies probably do, but perhaps not all of them. I’ve seen some very small store front operations that probably don’t use the credit bureaus.
2) Ask the title loan company to report your payments. See what they say.
3) Get a free copy of your credit report at annualcreditreport.com. Pick an item that is related to the title loan or to any other loan and “dispute it”. Use the dispute letter as a way for you to self-report your good payment history.
Good luck.
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Tags: advance payday, good luck, payday lender, Payday Lenders, advance payday loanYour Questions About Payday Loans Online
January 7, 2012 by Loans Guide
Filed under Payday Loans
Chris asks…
Real Payday loans online?
Are there any real payday loans online that don’t keep sendng you to one site after another?
James asks…
What is the deal with these online advance payday loans?
The bills aren’t added up right and i need some extra cash for my shots for LPN school.
My question is: Do these things work and how? Do they go off credit? How do they determine how much you will get?
i’m in florida
Loans Guide answers:
Do not get the online payday loans. If you have to get a payday loan, at least go to one where you walk in a store and talk to the people who run it.
They do not run your credit, they go by how much you make in a pay period. The most they can lend is $425, and you will have to pay back $500. You will have to bring in your paycheck stubs, check book, a utility bill with your name and address on it, drivers license, possibly your SSN card and a pint of blood (ok, that last part was just being funny)
They will charge close to 400% interest on the loan, and a lot of people find themselves in a revolving cycle of just renewing the loan and paying the fee or interest. They are very difficult to get out from under.
Do not do this if you cannot get it paid off in the time frame of a month. Otherwise, you are going to get sucked into the cycle.
The ones on the internet tend to debit your checking account on the day the loan is due, and if it isn’t in there, you get slammed with not only overdraft from your bank but fees from the payday loan.
Also, the ones you go to in person, you have to pay them back in cash..they do not cash your check. (unless you don’t show up to pay them..LOL)
Also, be aware that in some states, Payday loans are illegal, and if you are in the military you can no longer get a payday loan.
Sharon asks…
what online payday loans are real?
I need a payday loan that i can get online that isnt a bunch of b.s
Loans Guide answers:
Oh, they’re all real. The payday loan business is almost more profitable than drug dealing, who wouldn’t want to be a real lender?
The money they lend you is real, and so are the phenomenally high interest they charge. That’s the most real part of all.
Are you absolutely, 100%, no-doubt-about-it, completely and entirely CERTAIN that you will be able to pay back the loan? You better be. Because if you don’t, you will end up owing thousands of dollars before you can blink an eye.
Maria asks…
CAN YOU GO TO JAIL TN ONLINE PAYDAY LOANS IN TN?
I have been threathen to be put in jail for a payday loan that is over two years ago. I was told to get a prepaid debit card and put their money on it or I will be going to jail is this so, I closed the original account that I got the loans with. I live in TN.
Loans Guide answers:
Wow – I will have to disagree with all these answers.
I have personal experience with this.
A payday loan place is not like credit.
You are essentially writing a bad check – which is a federal offense.
When writing a bad check – they will take you to jail.
It’s FRAUD.
I had a friend that wrote a bad check.
They came to her apartment – all the cops lights were on.
They took her away in handcuffs and left her kid with me.
I didn’t even know what to do with that kid.
/
Donald asks…
How do Online Payday Loans work?
I get cash advances from time to time. But the only company I did business with moved their office. They are now almost 45 minutes away. A couple of friends say I can just get a payday loan online. But they couldn’t tell me how it works?
I liked that payday loan office because they knew me. And they never asked to check my credit report. It is not that good. Will a online cash advance service require a credit check?
Loans Guide answers:
I don’t think the reason that payday loan office didn’t asked to check your credit before giving you the cash advances was because they knew you. Most all payday loans, or cash advance, services do not require credit checks. You mostly have to prove your identity and that you have the ability to repay it.
Payday loans get a lot of criticism mainly because people always unfairly compare them to regular loans like you would get at a bank. Those are set up with monthly payments installments that you pay back over time. A payday loan is exactly as it sounds “Hey loan me a few dollars until my next pay”. Which means in about 7 to 14 days later the full amount that you borrowed, plus the fee, must be paid back. So, of course, if you compare the two then the payday loan interest rate will appear extremely high. Many people say that comparing cash advance payday loans to regular traditional installment loans is apple and oranges. But I feel since they are actually both loans it more like comparing oranges to a grapefruit.
But that was my little rant I needed to get off my chest. The truth is there is the potential for a lot of people to get in trouble with payday loans because they misuse them, keep renewing them, and become dependent on them. However when cash advances are use only as they are intended, like for emergencies (the car breaks down, the ac goes out, etc) they are an absolute life saver.
I’ve needed to use them in the past. My car actually did break down. I didn’t have any other way to get to work. I could not afford to miss any more days. So I feel the payday loan very much help me keep my job. But I paid it off… And I didn’t go back and get another one next week.
Ryan M’s response is not helpful at all. It isn’t even an answer. So he’s on the wrong forum. I think we all already know there are better options (for those that can get them) and payday loans are kind of a last resort.
So far Kristin Chapman has the best answer.
The main difference between getting a payday loan online vs. Walking into a business is, of course, convenience. And you will have to give them your banking information. Because all of the online payday loan companies I’ve checked out will deposit the money directly in your account. And on the date it is due, they will draft the money directly out of your account. They will contact you by phone first. They will give you all the necessary information. Including the exact date, and the exact amount, you need to have in your account to repay it. Then you make the decision whether, or not, to accept the cash advance.
This web page helped me a lot. It explains everything, and has a link to submit an application if you choose to:
<a http://www.badcreditassistance.com/payday_loans.html
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Tags: cash advance payday loans, Many people, payday loan, payday loan onl, Debit card, day loansYour Questions About Payday Loans No Credit Check
November 10, 2011 by Loans Guide
Filed under Payday Loans
Betty asks…
I need a payday loan ASAP!!! It must have no credit check, no faxing and give an instant answer!!!?
MY DAUGHTER IS ATTENDING HER SENIOR PROM AND I DESPERATLY NEED TO GET A QUICK LOAN!! I CANT SEEM TO FIND A ACTUAL LENDER!! I KEEP GETTING THE MATCHING SITES HELP ME PLEASE!!!!!
Loans Guide answers:
You don’t have to spend tons of money on prom. Hit the sales. You can find a dress under $100. Hit stores like Ross, TJ Maxx, go to the ones in nicer suburbs. Do not go in debt. If she wants to go to prom then she should pay for her own way. That prepares her for the real world.
Charles asks…
I need a payday loan that don’t do credit checks.?
I have bad credit but I need just around $300 to carry me til payday. I am able to pay the loan in full on my payday but all the sites I jump on say no credit checks yet they do check credit. I am getting really frustrated as I need this money to tie up my utilities bill. I keep hitting walls 
Loans Guide answers:
Ask a friend or family member or ask for an advance on your paycheck.
Steven asks…
Is there any way to get quick loan with out credit check for peolpe with troubled credit?
By trouble credit I mean a hospital bill which I’m still being pursued by collectors even though a financial rep at the hospital told me I could and most likely would get help with the charges. She stated that I might be able to get some or 100% aid in this matter which was due to an accident where I avoided hitting an animal at cost of breaking my left meta-carpal. Next is a loan that was took out to repair the same car before that accident but was due to the KS Ice Storm which caused many wrecks and few or more deaths the first or second week of January 2005. I’d try to pay of the loan while working at the gas station on turnpike, however. Due to the somewhat great distance and role Butler Community College seemed/was lower than should be and required more focus. Also after the broken carpal accident, Navy Federal Credit Union approved me for card which not ask for, however. It did help me pay on some things and bills which I’d aquired and agreed to help family with and even by me another vehicle, well made big payment on one then had to still get a loan however. The latter was not truly fair as I had bought a 1992 Dodge (small truck) which less than 2 hours after started smoking and caught fire as headed toward El Dorado, KS to get on turnpike to get to work, cause that’s before I’d quit. The dealership said that not able to use lemon law nor were liable for the vehicle malfunction, thus why they talked me and my uncle into get another one from them.
Then I have my bank accounts which have many issues themselves. Bank of America is a charge off due to unauthorize use of card, due to being stolen, and not know it before wrote checks and then when did find out another issue happened and thus the cops told me that the only thing would get is 460 or little more as restution and BOA said that I’d been responsible as when the card happened to be took before had not noticed until activity not made by me happened and I’d only canceled and got another card since thought misplace or lost it, however. That was not the case and it happened be stolen by people who I just met and was ignorant in trying to help but was scammed and used. Then US Bank tricked me and caused me to have a check account in Topeka, Ks during summer 2008 thus when used my card and thought was savings debit card charged me fees when used it at places like turnpike, comic store, and few more places when balance was low. Thus not find out until the balance was negative and getting collection calls.
I’d not have job yet and was attending Washburn University full time, under Federal Aid and GI Bill, I also used Check Into Cash payday loans and Loan Max to help pay some fees, college, and more. I was successful for awhile until lost my job, was not able to enroll in college again due to hold, and lost car to loan max cause not able to pay of the loan from no money anymore. Thus during Fall 2009 Washburn University was therefore forced into forcing me out of the campus and if not had friends here since been here, I’d been on street or dead due to failure of not able to maintain proper health and security.
I’m currently in need of loan or way to help me get money in legal methods that will help me find stable home or allow me income for dealing with HUD Shelter Plus Care Program (finds homeless people homes). To allow me chance to be able to fully and properly apply for career that I want, such as for now a legal researcher or secretary until get BLS or other BA degree then become a Paralegal and leave it at that since not want more money to owe so not become a lawyer.
Thanks for help anyone if you can in the answers you might provide me.
Sincerely
James Thompson
PO BOX 2325
Topeka, KS 66601
(785)220-1485
Loans Guide answers:
Hi James
I’m sorry to hear of the situation you are in but, in your situation, you will find it very difficult to get any further loans. However, I would suggest that you work on repairing your credit as well while you try to get a loan. Maybe your friends or family would be willing to help.
Unless you repair your credit, you are going to have a lot of trouble getting approval for future loans. I assume you have very poor scores and with such score, even if you do qualify for a loan, the creditors are going to charge very high interest rates. The only thing you can do now is get a decent part-time (or full-time) job and use as much part of your earnings toward paying your debts.
Joseph asks…
Will getting a payday loan hurt my credit?
My well pump went out and the repair bill was $2400, I only have $2000 in savings, and no credit cards. I need to borrow $400 or the check will bounce. I hate to get a payday loan, but I feel I have no other choice. Will it hurt my credit to get one? Do they put an inquiry on my credit?
Loans Guide answers:
Those type of loans, since they are usually paid back within 30 days do not report to your credit at all. However, a bounced check might. So, in your situation, I think you are doing the right thing.
Carol asks…
Aany for sure advance payday loan sites w/ no credit checks that I can use ?
Loans Guide answers:
Check this resource: http://www.badcreditresources.com/fast-cash-loans.html
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Tags: senior prom, high interest rate, credit checks, High Interest, credit car, credit cards, check into cashFast Advance Cash Payday Loans Quickly Funded
March 4, 2010 by Loans Guide
Filed under Instant Payday Loan
Individuals that don’t want their credit rank to stand included in the determination of a loan commonly seek out a fast cash advance payday loan.
They want payment fast omitting the trouble of a lengthy application clause. Payday cash advance loans online access cash fast if you are prepared to provide them the information they need to process your short-term loan.
If your crediting isn’t perfect though you work at a steady job and claim a dependable pay check, you can obtain cash now via payday cash advance loans online.
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You need to be ready to provide your information to the cash advance online business and, when they ask you if you need to have the cash by check or sent to your checking account, make sure you ask that the money is sent to your checking account.
This is considering it can be cleared within twenty four to forty eight hours and a check should be mailed to you, which takes time you can’t afford. If you go to a actual place and they cut you a check, you still need to deposit the check and it has to clear via the bank—a process that can allow for up to four days.
For this reason, you want to investigate having the money go directly into your account.
Fast cash advance payday loans are the perfect fix during which time you need additional cash fast. You can use it on a holiday, for auto renovations or for other quick debts you didn’t know were appearing. The interest rates on such a loan is a bit much however because the loan is of a short duration, the money you pay out in interest really isn’t all that much.
It is generally fifty dollars or less, depending on the amount of the loan you take out. For fast cash advance money quick online now payday loans free of hassle, analyze some of these short-term loans. There are scores of companies out there that attend this type of thing.
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Tags: forex account, cash advance, pay check, advance payday loan, quick debts, online access cash, how much moneyDiscover Important Info About Online Payday Loan
February 22, 2010 by Loans Guide
Filed under Payday Loans
Get secrets about online payday loans – Having a loan of the cash that you want to deal with your financial crisis and get a move on your life does not need to be difficult. A no fax cash advance is by far the easiest means to get the cash that you want instantaneously. We all are aware of that financial urgencies are frantic and nerve-racking. Submitting an application for a short term loan does not need to be a nerve-racking experience. Actually, it can and it should be the start of the answer to a financial crisis.
The procedure to submit an application for a payday loan is fast, easy, and trouble-free. In fact these days no fax loans are most opportune given that they do not have need of the borrower to fax any documents by any means to the lender. No fax loans are in particular intended for people that want cash at this very instant and do not have the time to run through all the formalities and red tape to get the cash that they want. If you do not have access to a fax machine by any means, faxing a number of papers will simply traumatize you. It should be part of the solution, not the problem, for that reason, you should make the most of several no fax cash advance payday loan that are available in the market if you want cash at this instant.
Cash advance payday loan are short term loans that are designed to assist people deal with unforeseen situations and get going with their lives. They are not designed to replace or substitute a long term credit like mortgage. For that reason, if you are seeking to finance a big item, like buying a new car, a payday loan is almost certainly not the most excellent financial choice for you. On the other hand, if you just experienced a short term financial crisis, like having a car repair, a more than usual utility bill, or a sudden medical bill, a cash advance payday loan is an excellent choice for you to think about.
Cash advance payday loan are short term quick-fix loans that offer logical and practical settlement terms. They are designed for individuals that have a short term financial crisis that need urgent concerns. No fax cash advance payday loans are the most practical and quickest means to get this instant cash. You just need to fill in an online application form and are approved within minutes for this short term loan and the cash is transferred electronically to your checking account within 1-hour at times, or at the most within 24-hours of your application, it’s that simple.
As soon as, you get the cash that you want confirm that your financial crisis is managed correctly and you are able to make a fresh start with your life and stop being anxious on how your financial crisis will be managed. Once you tide over your financial crisis you should start developing your financial status so that you do not need such supports in the future.
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Tags: Cash Advances, online payday loan, pay day loan, buying a new car, usual utility
