Your Questions About Payday Loan Lenders

January 31, 2012 by Loans Guide  
Filed under Payday Loans

Betty asks…

do big banks own any payday lenders?

seems to me they can keep you trapped in the decline mode while steering you to payday lenders thereby getting money from you without ever approving you for a traditional loan

Loans Guide answers:

They do actually. It’s a new trend. Both of the banks that I bank with – Wells Fargo and Bank of America offer payday advances. They are offered only to established customers of their bank and the amounts are determined by the amount of income you have regularly deposited into that account.

As with any payday advance, it should be avoided like the black plague and never touched. Even with these two large financial institutions, their fees and interest charges are outrageous.

If you don’t have the money now for something (including emergencies) what makes you think you’ll have it later to pay back?

Sharon asks…

Get me out of Payday Loan HELL!!?

I was foolish and got way in over my head with payday loans. I finally closed my account and now I owe about $2000 to six different lenders. Does anyone know how I should proceed? It seems like these debt consolodation places are as shady as the loan places. How do I pick and honest one that is on my side?

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….

Joseph asks…

How long does it take wefixmoney.com to find lenders?? I have been on the same screen for an hour.?

im trying to get a payday loan. It has been searching for lenders for a while now. Is there another site i can use or does this one really work?

Loans Guide answers:

Here is what the site FAQ says I do not take loan but here is some info from that site you mentioned…

I applied for a loan earlier today. When will I know if I got approved?

When you are approved, you are directed to your approving lender’s website within a few minutes of applying on WeFixMoney.com. If the system is still searching for a match after 10 minutes, we’re having trouble finding a lender who will accept your application. If no one contacts you within an hour of submitting, your loan was denied.

Mandy asks…

Quickest way to get a payday loan?

I’ve been trying to get a quick payday loan but every time I fill out the form for one site I get to a lender that makes me fill out out another form and this cycle just repeats itself again and again. Can anybody tell me a site where I just have to fill out ONE form to get a payday loan?

Loans Guide answers:

With due respect, and from what I gather on this site, payday loan is not the way to go. I would do my best to find another solution to these financial woes, take another look at my finances and maybe start cutting in the fat. (What is a necessity to some is excess waste to others).

Helen asks…

I need a long term installment loan(not a payday loan) I have bad credit.?

Anyone know any legit bad credit lenders?

Loans Guide answers:

In that case your fam+friends will be your best bet but even with them you’ll have a credit limit.

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Your Questions About Payday Loans In Georgia

November 12, 2011 by Loans Guide  
Filed under Payday Loans

Sandra asks…

Are payday loans legal in georgia?

I’m looking to find a loan company in georgia that do no credit check loans.

Loans Guide answers:

They are legal in person,but not online. The following site has some laws and information about payday loans in Georgia, but they say it’s not legal online and that a person has to go into an actual store.

Http://www.cashadvancereviews.com/payday-loan-laws.php

Sharon asks…

Where can I find a payday loan in Georgia that I can apply for online?

Loans Guide answers:

What ever you need the money for cant be that important those loans are extremely high interest

Nancy asks…

Can anyone tell me with a simple yes or no answer are payday advance loans allowed in Georgia.?

Loans Guide answers:

Don’t know. Depends on the employer, in Texas.

Lizzie asks…

can you get a payday loan in georgia?

atlanta

Loans Guide answers:

I am sure you can, but I wouldn’t recommend it. Those loans’ interest rates are ridiculous!

Donald asks…

Payday Loans?

Ok, I asked this question already, but no one really answered it..I live in Georgia and I need a payday loan that does not require direct deposit..I know this isn’t the way to go, but I have NO other choice, no relatives, nothing..so I would appreciate any help. I need to fill out an application online.

Loans Guide answers:

That is the worst way EVER to borrow money. Their interest charges can rack up to 900%. They feed off the desperate. Don’t let it be you.

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Your Questions About Payday Loan Consolidation

October 16, 2011 by Loans Guide  
Filed under Payday Loans

Susan asks…

has anyone ever used a payday loan consolidation program to pay off multiple payday loans?

I’ve gotten myself into a bit of trouble by borrowing first from one payday loan center, then another, and now i’m up to 5 different places. I am putting myself further and further in debt because i feel like i am working to pay the fees. I want to consolidate but concerned if it is a good idea. Please help!!

Loans Guide answers:

Please, please, PLEASE whatever you do…DO NOT take out another loan to pay off payday loans! You cannot get yourself out of debt by creating more debt!

Most of those “payday loan consolidation” places are a scam created by the very same predatory payday lenders themselves! You will find that they will not only take your money, but none of your payday loans will be paid off and you will end up in even worse financial condition.

I, too, was caught in the multiple payday loan cycle for 2 years. The best thing you can do to get yourself off the payday loan treadmill is to close your bank account and start all over. Go to a completely different bank, open a new account, and switch your direct deposit to your new bank BEFORE the next cycle of payday loan debits start hitting. Also close the bank account before those payday loan debits so that you don’t face NSF charges from your bank. If you can’t get a new bank account, then just switch to live paychecks until you clean up your credit…check cashing fees would still be far less then what you are paying in bogus 400% annual interest charges to payday loan sharks. You will begin to think more clearly and rationally once you have actual control over your WHOLE paycheck. Send letters to each of the payday lenders revoking any wage assignments, ach authorizations, etc. Most importantly, don’t ever give out your new bank account info to a payday loan company again…under any circumstances. Find out if the payday lenders are even legal in your state and study your local payday loan laws to see what your consumer rights are. Don’t worry about closing your account and walking away from this mess temporarily…in most states, you cannot be prosecuted for unsecured debt. The most they can do is call and harass the crap out of you. Don’t listen to their threats…they are all empty and they know they can’t do anything to you. Once you get your money back in your hands, you re-gain the control back from them. You can set payment plans with them on your terms. Make a vow to yourself to never, under any circumstances, allow anyone else to control your money/livelyhood ever again.

Visit the forums at http://www.debtconsolidationcare.com/ to get completely free help, advice, letter templates, and contact info from others who have suffered with the same financial stress you are going thru.

Best of luck to you! Stay strong and stand your ground!

Jenny asks…

can anyone tell me if they know of a good payday loan consolidation company?

Loans Guide answers:

I’ve never heard of such a thing. Are you trying to take your existing, low to moderate interest rate debt and consolidate it into a single high interest Payday Loan? That’s a terrible idea.

Read through the link below. It concerns all things financial, including debt management. I think you’ll find it helpful.

Laura asks…

What are the advantages of Payday Loan Debt Consolidation?

Loans Guide answers:

Firstly, I do not recommend anyone getting a payday loan unless absolutely necessary. However, if you already have multiple payday loans or cash advances that need to be repaid then a payday loan debt consolidation may make sense. According to my sources (which are shown below), a payday loan consolidation pays off all of your payday loans and then you repay your new lender. Typically, the interest rates are cheaper so that a higher proportion of your payments actually go towards paying off the principle amount and ultimately the entire balance.

Mark asks…

What is the need of Payday Loan Consolidation?

Loans Guide answers:

You are able to get out your Payday Loan Debt with the help of Payday Loan Consolidation. These consolidations are of great help when you are having more than one loan

Maria asks…

Payday Loan Consolidation – does anyone know a company I can trust?

Loans Guide answers:

For payday loan consolidation I used a company my bank representative told me about. They are called Relief, LLC their website is http://www.stop-paydayloans.com . They seemed the most trustworthy after I did some research and called around.

So far they have negotiated about half my payday loans down and got them paid off for much less than what the companies said I owed with all the interest and fees. I still am only half way the program but I am very happy so far. And they stopped all those crazy phone calls, that took a couple of weeks though.

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0 Interest Credit Card Applications

August 4, 2010 by Loans Guide  
Filed under Bad Credit Loans

We want to have the best things in our life for free but it is impossible nowadays. All products and all services in the market must be paid for. When we give people things we always expect something in exchange. And modern consumers are not so concerned with charity than with making a profit.

But it is not like this with credit cards. Credit card providers have their major aim to make as big profit as possible but they perform one more mission, conscious or unconscious: they make consumers’ life easier and more comfortable. That is why the credit card institutions offer a lot of rewards and beneficial schemes for free through credit cards.

One of the most common and affordable proposals is a zero interest credit card application. It works like a regular credit card. You borrow a credit and repay it every month, but the interest free cards have no interest charges and that is the main their difference. It really sounds great but you should remember that usually credit card providers offer such cards only for a rather short period of time and their purpose is to get new clients. But you can make some savings out of this scheme.

If you follow some tips, you will have much from your interest free credit card application.

If you establish a good credit report, your credit card application form will be approved quicker and easier. Your zero credit card application form should be submitted only to a reputable and reliable credit card provider. It is possible to find the best proposals only with the help of online shopping and comparing.

Clarify everything about regular interest rates and the introductory period. Find out exactly the types of zero interest credit cards, as some specific charges may be qualified as free of interest. Some credit card companies put zero interest on balance transfers, others on new purchases.

The details about fees, costs and penalty policies must be read and studied very carefully as well as the terms and conditions. Consumers should never miss such parts of their contracts, especially information fixed in fine print. Do not hesitate to ask questions if you understand something badly about the terms and conditions.

When credit card institutions provide regular credit cards, they may be more tolerant about late payments but they are much stricter suggesting zero introductory and they can cancel the introductory period is you miss your payment deadline, so you should be more careful with your credit card repayments.

Used in a proper way interest free credit cards can offer you a kind of financial relief and you will be able to save some money. Use this type of credit card with necessary precautions and you will have some extra money in your pocket.

Looking for offers which are worth filling out credit card applications? That’s not easy.

We seriously recommend you to read this credit cards blog before you dash to the credit card applications. Learn what is wise and what is cranky to do on this market. Everybody can fill out online form, but not everybody is capable of finding a provider with really great offers.

Today we are living in the world where knowledge makes life easier.

That is why if you are properly armed with the information in your topic you can be sure that you will always find the way out from any bad situation. So, please make sure to get back to this web site on a regular basis or – the easiest way to take care of it – sign up to its RSS feed. Thus you will have your hand on the pulse of the freshest info updates about credit cards, small business grants and other important topics here.

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Applying For Zero Interest Credit Cards

June 4, 2010 by Loans Guide  
Filed under Bad Credit Loans

Maybe some good things in our life are free but we should pay for each product and each service we need, because every producer of the service or goods expect to have something in exchange. Nothing is free nowadays and everybody makes profit and seldom thinks of charity.

But the situation with credit cards is better. Yes, credit card institutions are eager to gain as much profit as possible but this business is very competitive and one of their conscious or unconscious aims is to improve clients’ lives and make them more comfortable. That is why a number of credit cards give beneficial schemes, rewards, incentives and they all are free of charge.

The zero interest credit card application is one of the wide spread proposals. They work like regular cards and consumers borrow credits and make repayments every month. Interest free cards have no interest charges. It sounds rather good, right? But keep in mind that these cards are offered only for a limited period because credit card companies want attract new consumers. Nevertheless you can make big savings using this scheme.

Some general tips will help you to receive the most from the interest free credit card application.

In order to be approved more easily you should establish a good credit report. Submit your credit card application to a reliable company with good record. Find out the introductory period and regular interest rate. Know about the various types of zero interest credit cards and the specific charges. Study the terms thoroughly and read the section with details about fees, penalty policies and costs. Read and study the fine print and clear everything you need to know. Be careful with your repayments, because only when card companies offer regular cards, they are tolerant about late payments, but when they suggest zero introductory rates they are stricter. You can unlock superior savings with interest free credit cards and use them with definite precautions and save some amount of money.

Banks and other credit card institutions do not usually show their clients the latest deals at once on demand. Think of your financial needs first and find the best proposal from which to start. If you know exactly what you need you will easily and with pleasure find the best credit card proposal for your individual needs. Some reliable comparison web sites with their online comparison tools will allow you to make your homework and search for the most affordable card in your personal situation.

Some reputable sites have all the latest proposals of the major credit card institutions and provide good information for the consumers. They are free of charge and very convenient to use.

Take some time to review and compare different credit card suggestions and find the best for yourself.

Looking for companies which are worth filling out credit card applications? This is not an easy task.

We highly recommend you to read this credit cards blog before you get down to credit card applications. Read what is wise and what is cranky to do on this market. Everybody can fill out web form, but not everybody can find a provider with really great offers.

Today we are living in the world where knowledge quickly enhances the quality of our life.

That is why if you are properly armed with the knowledge in your sphere of interest you can be sure that you will in any case find the solution to any bad situation. So, please make sure to track this site on a regular basis or – an ideal solution for you – sign up to its RSS feed. In such an easy way you will have your hand on the pulse of the freshest informational updates about credit cards, small business grants and other helpful topics here.

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