Your Questions About Payday Loan Lenders

January 29, 2012 by Loans Guide  
Filed under Payday Loans

Robert asks…

Does anyone know of a legitimate place to get a payday advance loan?

I live in Florida. I have tried many websites but they just keep bouncing me to other sites that get me nowhere. I am hoping someone out there has actual experience with a lender and could point me in the right direction. Thank you.

Loans Guide answers:

All you will get online is ripped off. Phone book and 2 feet.

Mary asks…

I was wondering- when u get a payday loan?

When u apply for a payday loan can they approve u and not tell u then send u to another lender so then u owe even more cause ur really getting more than one loan if they can do that????

Loans Guide answers:

Most payday loan places do share information with other places. However, they can’t assign your debt to another place without telling you.

Daniel asks…

How do I get a personal loan with bad credit?

I am looking for a personal loan, but my credit is not good. I don’t want a payday loan but that is all I find on the internet when I type in personal loans for people with bad credit. Do you know any lender who will give loans to people with bad credit? I don’t really care to much about the interest rate. I just would like the loan to pay off some stuff and get some new things I need around my house. But I don’t own a home, so I can get a home loan.

Loans Guide answers:

Prosper.com They give loans to just about anybody, you just have to sell your story.

Susan asks…

What is guaranteed unsecured loan?

I’m very puzzled about the different terms when it comes to loans and this is one of them. I know that unsecured loans mean you can borrow money from lenders without collateral but you have to make sure your credit score is high. Am I right? If not, please explain. Then, what is guaranteed unsecured loan? Is payday loan also a type of unsecured loan?

Loans Guide answers:

Any loan which is made without pledging collateral. Home loans are secured by a deed of trust on the home. Car loans are secured by an endorsement on the title naming a lien holder, etc.

Credit scores do not necessarily come into play. You could borrow money from your uncle or a friend without any collateral other than a handshake or a promise.

A guaranteed unsecured loan is an oxymoron. The guarantor is liable in the event that you default and more than likely in a better credit position than you the borrower. That’s why the guarantor is acceptable to the lender.

Steven asks…

whats a good payday loan website?

i need a payday loan right away can u plz help me out instead of going thru a bunch of lenders

Loans Guide answers:

Hi
If you looking for a legitimate payday loans upto $1000 in 1 Hour .once approved your loan will be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities.

Http://bestpaydayloancompanies.com

• 100% secure and processing
• No faxing -No credit check
• Immediate online approval
• Excellent customer service
• Get Cash in Minutes!
Good luck!…

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Your Questions About Payday Loan Lenders

January 23, 2012 by Loans Guide  
Filed under Payday Loans

Sharon asks…

Has anyone tried Cash tree lenders? The pay day loan company?

How are they? I just need 300 dollars this month and I will pay it off in full next month when I get my check. I’ve heard so many horror stories about payday loans and I want it to be as cut and dry as possible. The most I would be involved with the company is a month to receive funds and pay it immediately back.

Loans Guide answers:

Http://www.pay2surf.net/register.php?r=ladynblu
Try this it works.

Sandy asks…

Payday loan ..is it possible to get more then $1000?

most of these payday loans limited to $1000 and some direct lenders can give up to $1500.is there any payday loan company that provide more?

Loans Guide answers:

Not that i’m aware of. Best bet is to call around and ask. I would think a lot has to do with your weekly pay.

David asks…

I want a loan and not a payday loan and I have bad credit.?

I don’t want a site that finds me a lender I want to work with an acutal lender.

Loans Guide answers:

What type of loan are you looking for? Frankly, looking for a lender online is not a good idea. There so many scammers out there preying on folks with bad credit. You really are better off going to a local bank or credit union. You may not qualify for a loan but at least you won’t be paying up front money to a scammer or exposing your personal info to ID theft.

Charles asks…

Does anyone know a lender who does personal unsecured loans for bad credit that is not a payday loan.?

Loans Guide answers:

Bad credit loans can be difficult to get – but not impossible.

Try these three companies.

Thomas asks…

How do I find a loan shark?

I am desperate for a personal loan for some significant legal fees for my husband’s custody case. We both have extremely poor credit, and the timeline is too small to have time to save up. My husband would just like to get a loan through a “shark,” but not a payday loan – like a personal lender. Any LEGIT suggestions welcome. Our credit scores are too low for prosper.com. :-(

Loans Guide answers:

Are you crazy? Do you REALLY want to do it?
The best way to do this is to ask your attorney to let you pay in installments. If this particular attorney wouldn’t do it for you, find another one. Many attorneys will ask for some amount upfront and then you pay the rest in installments. Usually they do it without charging you any interest, but if you offer to pay reasonable interest, they’ll go for it.
Of course, we are talking about normal, regular lawyers, not some very high priced “legal eagles.”
AND DO NOT FALL FOR OFFERS OF LOANS HERE ON YAHOO!

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Your Questions About Payday Loan Lenders

January 17, 2012 by Loans Guide  
Filed under Payday Loans

Lisa asks…

I am really desperate. I need $500 by the 31st but my next payday is on the 10th of August.?

Do you have any insights about borrowing from PayDay Loan lenders like Money Mart? There’s really nobody (family, friends) who could lend me the amount so I gues Money Mart is my last resort..

Loans Guide answers:

Don’t get into debt to pay off other debts, write to who you owe the money to and make an arrangement, much better in long run. Borrowing more money will just escalate your problem. Trust me I have leaned from experience while running up a £15k debt

Daniel asks…

Can I be held responsible for a payday loan I never signed for?

My information was apparently given out when I was on a web site which said it would match me with a lender. A company called Ace Cash Services deposited 300 in our account without us ever asking them for a loan or signing anything. They now say I owe them 510! I told them I would be more than happy to give them the 300 but no more. What are my legal rights?

Loans Guide answers:

If you did not want the loan then clearly you should have given out your checking account/bank transit number. The bad thing here is that these people have everything they need to start debiting money from your checking account…even if the money is not there. You’re going to have to pay them $510….sorry. It’s safe to assume that if you don’t make your own payment arrangements, then expect them to try to debit $510 from your checking account within 2 days.
If the money is not there, then you need to close your checking account…otherwise your account will go hundreds of dollars into a negative balance and you’ll have another separate problem to deal with.
Offer to settle the loan for $400 and see what they say…get a signed agreement to these terms FIRST, then send a money order for this amount. If you do nothing, then in about 3 months you can expect the amount you owe to skyrocket to over $2,000.

Paul asks…

Where can I find a “hard money” lender for a personal unsecured loan, without being a payday loan. Need $4k.

Loans Guide answers:

IF YOUR CREDIT IS GOOD ENOUGH , YOUR LOCAL BANK .

Carol asks…

Looking for info/ reliable source of high risk lenders..no payday please?

I am searching for all of those alleged high risk lenders that are willing to lend money for those with credit scores in the low 500′s. I am not interested in payday advances. My wife took a $10,000 a year net pay cut this year and we are struggling to keep it together. We had a little girl last year and my wife was out for 7 months. We are still paying off medical bills.
We have consolidated all of our debt and credit cards and cut them up. I am so through with CC. We are too comfortable using them. We restructured our finances and eliminated the fluff. Now we are down to the house, car, food, electric. I need help to pay off 4 payday loan companies I had to turn to during my worst months this year just to keep the lights on. I will thank those in advance who will say…live simply and things will get better…I work 60+ hours a day and between the two of us we bring home more than 7.5 K monthly…the payday loans will not let us get back on track. My family is not able to help much.

Loans Guide answers:

PLEASE DONT LISTEN TO THE ONE ABOVE ME
THEY ARE A SCAM, HE WANT MONEY UP FRONT AND YOU WILL NOT GET A LOAN YOU WILL BE KISSING YOU MONEY GOODBYE

Nancy asks…

Are there really people out there that will loan money?

I’m not talking banks, or payday loan places, I am talking legit private lenders that will loan you money? You hear about private lenders that will lend money, but I can’t seem to find anything legit or worthwhile. A 100-500 dollar loan is not worthwhile and it’s not legit if you have to PAY to get your loan.
Has anyone had any success with finding what it is I am looking for?
This is serious, so please no bashing.

Loans Guide answers:

Yes, I actually do what it is you’re speaking of. Not small loans, but loans between 10-100k+. It’s quite an interesting process which centers around what you offer for collateral.

For example, if you have a home worth 100k and have it paid off, or even mostly, it’s pretty easy to get a loan, even with very poor credit. If you have a business, and are struggling to get a loan, if you have assets (equipment, accounts receivable, contracts, real estate, etc), there are people who specialize in loans on business assets.

Expect to pay a high interest rate and sometimes a high origination fee.

Feel free to email me with any questions, good luck!

Jared

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Your Questions About Payday Loan Lenders Only

December 9, 2011 by Loans Guide  
Filed under Payday Loans

James asks…

RE: UnitedCashLoans-Help-Just found Lots of Scam victims2 days ago i accepted a loan,now I have?

I was in desperate need to cover a bank overdraft, I agreed to a loan of
150.00. Under the agreement terms $195.00 is to be paid (auto-deducted) from my bank on 09/01/11. I just read an E-mail stating they will only take $50.00. In the agreement this was an option you could take,if need be. I expected the entire amount owed would be taken in full on 9/1.

Ok so I have read consumer warnings to include, UCL taking only partial payment in turn raising the interest, repeated bank account deductions for months after the loan is paid. Every complaint ended in people having to close their acct. Many were out hundreds even over a thousand for a small payday loan! Apparently the only way to stop them was closing the acct. leading to threats harassing phone calls and threats of lawsuits. Also damaged credit. According to the victims contacting by phone and E-Mail is a dead end. A few other comments ; new unauthorized loans were deposited by UCL and affiliates. First off-I know it was stupid, please don’t remind me:( I have not dared to do anything until I get some advice. I have unsubscribed from the multiple E-mails from other lenders that my info was sold to. I will call my bank, I believe I have anti theft protection.

I guess my question is simply “What should I do now , before It gets to that point?” “What are my legal rights?” Thank you, in advance for any advice P.S( I have never done this before. I have always been super-careful to never give private info. due to an emergency it seemed cheaper than $30 a day overdraft fees and losing a checking account)
Pauley- thank you . but I do owe the 195$ I agreed to. I know 1 review tried to send a money order, the co. said they would not accept it . Also no one could get a physical address. They have my s.s.# will I be sued?

OOPS…sorry . I meant Pauly

Loans Guide answers:

The best thing I would do is close your account. They can’t sue you and give you threats if there not a legitimate company. That’s just a scare tactic, so I suggest pay off your overdraft fee and close your account asap!

Laura asks…

HELP! I am desperate!! Underwriters, people with personal fair credit loan experiences-please respond!!!?

Here is the deal. All three credit scores are above a 640 with the highest being experian at 662. I have no late payments, 5 accounts in good standing, no public records. I am trying to get a loan for about 5-10,000 and am having the biggest problem. My debt to income ratio is 32% and I’ve been employed for over two yrs. When I was young and coming right out of high school-I made some credit mistakes. I have cleared and paid all of my debts from then about 3 yrs ago and have no outstanding balances. I really need this loan. So far I have went to Chase, Citi Financial and both have said No.

I just don’t understand what I am doing wrong. Does anyone have a clue about who I may have better luck with other than friends and family or payday loans?? I understand that I may not get the best interest rate but I thought for sure I would be able to get a loan. Please only serious answerer’s and no scams. Any help would be useful at this point. I’d like to hear someone with personal experience or a loan underwriter who can give advise. Should I try American General or do you know of any other lenders for UNSECURED lines of credit or loans???? Please respond.

Loans Guide answers:

YES AMERICAN GENERALS GOOD …ALSO WELLS FARGO FINANCIAL…FIND ONE IN YOUR AREA AND GO THERE…YOULL HAVE A BETTER CHANCE …ALSO TRY ZOPA.COM …PROSPER…I DONT LIKE PROSPER TO MUCH CUZ THEY THINK NO1 IS WHO THEY SAY THEY ARE …STUPID ..ANYWAY …ASIDE FROM THAT ..GO TO CREDITCARDS.COM …AND APPLY FOR A FEW CARDS …AND I KNOW THIS IS WRONG 2 SAY ..BUT JUST LIE ABOUT UR INCOME WITH THE CREDIT CARD COMPANIES …I WOULD APPLY AT HSBC, DEF CAPITAL (TRY TO APPLY FOR THERE PERSONAL LOAN TOO), GOOD LUCK ! I FELL YOUR PAIN !!!

Jenny asks…

where can i get an installment loan?

my credit isnt good enough to go to the bank and get a loan. i need to get a 1500 dollar loan that i can pay back over the next 2 or 3 months i know the lenders are out there but i cant find them all i can find are the sites that MATCH you with lenders, and they all find credit cards and payday loans……. any ideas here people. i know im not the only one who has had financial probs. and needed help thanks for the help ( if you do help )

Loans Guide answers:

Without good credit that is about all you will find. If you have assets like a car you can get a loan on the title. Sometimes parents or friends are the only choice.

Joseph asks…

How do balance transfer credit cards work?

I have debt I need to tackle and was told about 0% transfer cards. Are these cards only used when your debt is with other credit cards? Or can they be used if I owe payday loan lenders?
Basically my credit score is still good I was just wondering is it possible to get a card with £5000 and with 0% interest for 6+ months so I can pay this off as quickly as possible and rid myself of debt? How exactly do these work as opposed to standard credit cards / what is my best bet? Thanks in advance for any advice.

Loans Guide answers:

1) the credit limit you get is up to the lender and in today’s environment getting 5000 pnds is asking a lot for a new card. You are much better off if a bank will lend you money on an installment loan

Lizzie asks…

Im in a bad situation for the moment and I was wondering if anyone knew where to find a loan shark in New York?

I need 1400 by tomorrow and thats my only option. I’ve tried payday loans but no success…so if anyone could point me in the right direction of a back street lender it would be greatly appreciated

Loans Guide answers:

Are there any car title loan places in your area?
Are there any pawn shops?
You could take something of value, and they will give you cash for it.
When you return the cash – they give it back to you.
/

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Your Questions About Payday Loan Consolidation Help

October 18, 2011 by Loans Guide  
Filed under Payday Loans

Susan asks…

Looking for a debt consolidation loan but been refused by all HELP?

Ok So Im really dumb and did alot of credit searching therefore there are alot of inquiries on my credit file. I had turned to payday loans and are now REGRETTING it terribly since now I end up with no pay left. Would like some help in trying to get a debt consolidation loan. I find it difficult because of my credit score but I find it ridiculous that I cant get a loan even though I have never had a payment not go through! HELP!
Appreciate all the help I can get from Australia. Thanks!

Loans Guide answers:

Looks like it is time to take another job, quit spending on anything except necessities and get the debt paid off.

You cannot borrow your way out of debt my friend.

Joseph asks…

How do I get a Debt Consolidation Loan but have extremely low credit scores?

So, I have been successfully paying down the debt that I acquired as a very dumb young adult. Now, that I have a great job etc…the only bad thing I have is CREDIT. I’ve started the process of re-building but need to know anything besides Prosper/Zopa etc to get a debt consolidation loan. I have about 6,000 in debt right now. Any advice will help. No payday loans that’s what put me in the hole a couple years ago! Thanks!!

Loans Guide answers:

Since you did not express what type of debt this is it will be hard to help you. But….

If the debt is from current credit cards. Make a list and call each one and tell them that you are trying to regroup and would they please work with you
and return any of the late charges,
would they lower or give you a year interest free,
and ask what they can do to help. And set up a reasonable payment schedule with them.

If this is a credit card that has been charged off,
I would

1) try to trace down who has the debt and see if they will take a settlement. Some times they will settle for as low as 10 to 20% of the debt and they it can be paid off. Use some pressure on them…they will settle if you are firm. There are several who will not settle.

2) totally ignore the debt, if it has been charged off the debt is sold to secondary account holders and they will resell them again and again and eventually they will leave you alone. You will have bad credit for several years but eventually with new good credit the others will go away. And there are ways to get the old ones off you report.

If your debt is with stores or other loans, call each directly and see what they are willing to do to help you. Make a deal with a reduced payment and 0 interest for a while.

Goodluck

Chris asks…

Consolidation loans for bad credit?

Ok heres the situation, I have bad credit, I make a steady paycheck, but my bills seem to add up so much I’m left with nothing to live off of, I cant get a payday loan because I’m military. I need a consolidation loan I pay about 1400 a month in bills right now, I need about a 14,000 loan thats it, and I can make high monthly payments like 500, 600, 700 maybe even more but it would be a huge help from 1400 a month because I just cant live off of what I have left is there anything I can do I’m stuck!
To add on to this I am military so since that wonderful new bill passed I cannot get a payday loan no matter what. I have also checked out several debt consolidation people you know the ones who don’t give loans but try and work with the people you owe and that wont work either because no one wants to budge on the payments we’re making to them now, and as far as the loans I have found to get no one is willing to give me anything that would even be worth my time I would be trading in maybe one debt I owe for another debt I need something that will pay all my debt and give me one lump sum to pay off every month

Loans Guide answers:

There are nation wide debt consolidation services that are available to all people that are in the armed services and whom are also experiencing financial problems, even if it’s management of funds, or perhaps finding a way of over coming a financial dilemma that you may be in currently. If you are in a position where it could be possible to make your minimum monthly payments, a debt consolidation program for military personnel can be the answer to your problems and save you from high interest rates, late fees, and other related loan fees.

Just visit – http://www.ezconsolidation.com/military_debt_consolidation.php
Hope it will be helpful to you.

Lizzie asks…

Where is a safe place to go online to find an unsecured personal loan for?

debt consolidation and/or to pay off all debts?

I am limited with SSDI and a very part-time job. I am $6000 in the hole and the hole keeps getting deeper. I want and can pay for one monthly payment to one loan office and have the loan to pay off all my debts and to start fresh. I don’t have anyone to co-sign with me. Does anyone have any suggestions of who I can contact for financial help??!! and it being safe and secure. Payday loans charge over 100% interest. THanks!

Loans Guide answers:

I would not trust anyone on line in this business. These companies are making millions by screwing over the most vulnerable in our society, who happen to be the least able to afford it.

My suggestion would be to go and join a credit union (like a bank) and start having your SSDI checks deposited there, then apply to them for your unsecured personal loan. The fees and interest rates will be real good for you.

James asks…

Payday loan HELP!!!,?

I have to many loans out I can no longer afford it total loans $2500.00, I live in Arizona, also I called A Debit consolidation and I cant afford there fees either, I am not in default of my loans( only 1 I am) till this Sat, PLEASE
PLEASE help me I thank you for helping me in anyway you can.

Loans Guide answers:

These types of places were closed in my town b/c they kept ppl in debt. They turned out 2 b a nightmare

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