Your Questions About Payday Loans Online No Credit Check
November 18, 2011 by Loans Guide
Filed under Payday Loans
Susan asks…
should i get some payday loans?
i know this sounds terrible, but hear me out. i am pretty unfamiliar with payday loans.
i am going across the country with a friend this summer, and i will need some cash. i am currently unemployed in northern new england and i have yet to find a job. the situation is quite dire up here, and i’m sure some of you know how it is.
anyway… if i can’t find a job when the time comes, i was thinking about getting some type of easy loan (i.e. a payday loan?) as my credit is very poor and i have no source of income. i have seen some online payday loan companies that claim they do no job checks – however im not sure that this is true… i’ll look into it further.
my question is such: what legal rights do they have? i know there is a contract and yadda yadda but will the retaliation be anything more than the usual daily harassing phone calls? because i’m used to that already with my college loans and credit card debt, and it really doesnt bother me. so ar am i not in any legal trouble, and i really dont want to end up in court (although i suppose even if i did they wouldnt really be able to squeeze me dry, considering i am a broke ragamuffin).
keep in mind after i get these loans i will be travelling to and perhaps staying forever on the other side of the continent. SO! please keep an open mind and give me your opinions.
thank you!!!
im aware that you need a paycheck, BUT as i mentioned in my original question i have seen companies online that claim they do not check for jobs… i’m not sure how true that is though.
so yeah. read my question.
Loans Guide answers:
The question is not if you “can you get a payday loan”, but rather “should you”. If you are unemployed and do not have any source of income, how are you going to pay it back. I am sure its mentioned in the fine print that they will not verify your job only you meet some criteria. Give it a shot, its worth a try. But mind you the interest rate is ridiculously high and you take the loan only if you are sure you can pay it back. Since you have no income source, please do not take such a loan. You will be in a debt trap forever. If you need some money, reach out to friends or family, or apply for a credit card or personal loan.
Hope this helps. Good luck.
Paul asks…
Where can I find a Private Student Loan that DON”T do credit checks?
I will be starting class online at University of Phoenix. My FAFSA and everything is not enough for my expenses. I need a private loan that I can payback once graduated. I need maybe 4-5 thousand at the most. NO ONE can co-sign for me so that is NOT an option. My credit score is in the low 500 so its not good at all. I would prefer a student loan but also if you could give me websites on loans period that would be good also. NO PAYDAY LOANS! and remember….NO CREDIT CHECKS……Specifically for Students or people in general with LOW credit score, NO credit or BAD credit.
And I dont need ignorant remarks, PLEASE ONLY RESPOND WITH HELPFUL INFO! I would like guaranteed APPROVAL… Thank You in advance
Charles asks…
cash advance or payday metabank?
i know there is very few legit payday loans out there online does anyone know a payday or loan service with no credit check that works with metabank. no spam or people telling me how bad payday loans are but im in a bind a need one
Loans Guide answers:
Christmas is a very good opportunity to take the loans. The lenders in order to attract more customers give discounts and bonuses for giving out cash before Christmas. The rate of interest is also much less than other seasons. Hence getting cash before Christmas is now easy and fast. Gear up for the Christmas without worrying about the expenses.
The most efficient way to receive multiple quotes and find the best deal is to utilize a multiple lender website that is affiliated with several payday lending companies. These websites will make the payday loan companies compete over your loan and therefore you are able to compare and choose the best rate. Check out the following link for a top multiple lender website:
Linda asks…
Any legit non-payday personal loans online?
My boyfriend and I are trying to get get a personal loan, or any loan that we can for about $7000, $5000 of it to buy his sisters house. I have bad credit and everywhere we’ve gone in the past has told my boyfriend he doesn’t have enough credit history. We recently got him a credit card to start establishing credit, but he hasn’t had it long enough to really show anything. We are going to try the financial places around here, but I wanted to check and see if there’s any legit places online to try, we both work different shifts, so it’s hard to get together to go and apply. We have already tried lendingtree, american general, and prosper.com. Nothing for any of them. Lending tree is still pending, but I doubt it. We don’t have anyone to cosign for us, no family to borrow it from, and we don’t care how much the interest rate is. Thanks in advance.
Loans Guide answers:
There are so many uses for old secured personal loans, and the chances are you will be able to get one quickly and easily. It’s a common idea that only homeowners can get loans from finance companies. That just isn’t true, most people can apply for and receive an unsecured personal all kinds of uses you can get loansday loan, and some companies let you apply online. The interest rate you pay will be made very clear to by the broker before you sign anything. As will the amount of the monthly payment, and how long you have to make those payments for. Any quality broker will go out of his way to make sure you understand these rules.
David asks…
Anyone done business with 5050loan.com?
I am asking this question for a second time, as all of the replies I received during the past several days, nobody seemed to read my question and just started providing links to various bad credit loan companies, payday loan companies, and companies that only fund loans up to $1,500. I am not interested in any of these loan companies. So please read my question before submitting your answer(s). Thank you.
In this case, if you have not received a loan via 5050loan.com, you WILL NOT be able to answer my question, so please do not bother to answer my question if you HAVE NOT received a loan through 5050 loan.com. Thank you for your understanding.
MY QUESTION:
After seeing various online ads provided by 5050loan.com (see some of their claims below), along with reading the positive feedback on 5050loan.com in Yahoo Answers already, I was already to try my luck at getting one of their loans. However upon going to their website today (08-03-10), they have a statement on their website that states: “AS OF JULY 19, 2010 WE WILL NOT BE ACCEPTING ANY NEW LOAN PACKAGE SUBMISSIONS DUE TO THE LARGE VOLUME OF SUBMISSIONS WE HAVE REACHED OUR MAXIMUM PROCESSING FOR THE MONTH OF JULY ”.
I have never heard of a business or company having to put potential customers on hold like this. Yet upon doing a little further online research of this company, it looks like they have over advertised and they seem to have quite a few ads on Craigslist and The Backpage and have ads on other various online advertising venues all over the country. Well it must be nice! I sure wish I could get a job working for them if they are that backed-up with business. SMILE! Yet upon reading a few media articles on this company, it seems that they work with several lenders and are not the actual lender themself. So I was wondering if anyone that has a loan through 5050loan.com, can you please provide me your lender name and telephone number. Because I somehow have a feeling that 5050loan.com is going to be swamped for awhile, and I would like to apply for a loan through one of their lenders, since 5050loan.com seems to be the only company out there that might be able to help a person like me in my financial situation get a loan for $25,000, yet if they are that busy at the moment, I hope by going to one of their lenders directly, I can have better luck to see if I can get a loan or not, rather than waiting for 5050loan.com to open their doors to start taking applications once again. Seeing that it is already August 3rd, they still have not updated their website to provide a status on when they will be taking applications again.
I would appreciate any help I can get. Thanks everyone : – )
Ernesto
5050loan.com states in their ad:
No Credit Check – No Collateral Required – No Co-Signer Required
No Bank or Checking Account Required – Garnishment Ok
No Job OK – Stated Income Ok – No W2 or Tax Returns Required
Bad Credit Ok – Repossession Ok – Charge Offs Ok – Bankruptcy Ok
Foreclosure OK – No Credit Ok
Loans up to $50,000 – No Upfront Fees
UP to $50,000 Unsecured Personal Loan
No Credit Check – Patented Identity Verification Check
Loans Guide answers:
Lol, listen buddy.. Ur obviously really young, I’m guessing 19 or 20 years old. The truth is these websites scam you for money. It starts with statements like the above telling you you can’t get loans anymore. This phycology makes you want it even more. Thus the second they remove this banner, you will be willing to give them money up front.
You seem like you are stubborn and not open to realities of how business work. NO Business will loan you money if you don’t have a job. The ones that do are in it to rob you blind. They do this all the time, they are experts, you don’t have a chance.
And because you are stubborn, you will probably ignore my post, and give them your money anyway. Just remember when you are getting phone calls from collection agencies and have no money left, that you really need to wake up : )
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Tags: online advertising venues, new england, Loan Company, online payday loan, Most people, credit checkYour 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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Tags: payday loan consolidation, bad thing, credit car, payday loan, Credit ScoresGetting The Bad Credit Loans On The Internet
May 31, 2010 by Loans Guide
Filed under Bad Credit Loans
Presently there are only two kinds of personal loans. One is called a secured personal loan. It is a loan product that’s guaranteed by way of anything valueable, such as a house or perhaps a car. In spite of a poor credit standing it is easy to find a mortgage when you have something to put up as security. If you don’t have collateral and if you have low credit score this can be a much more difficult task to get a personal loan, but it is possible! Bad Credit Loans online
Due to the present economic climate a growing number of loan companies are selling what usually are known as bad credit loans. Most of these unsecured loans are meant for many who do not have collateral to put up and have a bad credit score. Such personal loans can be used for settling debt, paying for house improvements, settling medical related expenses, paying for automobile repairs, or maybe catching up financially. Bad Credit Pay Day Loans Online
Lacking some collateral to put up against a loan and having unfavorable credit ratings it’s very probable that you will have to be charged a slightly higher rate of interest or you may not meet the requirements whatsoever. In cases like this a cash advance loan may possibly turn out to be your only possibility. Nevertheless this will have a really high interest rate but no collateral is necessary.
When looking for a personal unsecured loan with poor credit there are many things which will likely need to be considered. These should include how much the individual desires to borrow, their credit worthiness as well as the ongoing financial climate. Every one of these will be employed by the loan originator to work out the rates of interest to be paid. The main advantage of such a personal loan is that they allow the borrower to restore their credit rating. In order to achieve this, it’s important the borrower pay back consistently as well as on time in compliance with the terms agreed on. The financial institution consequently reports such payments to the credit bureaus who credit these repayments to the borrower’s records causing an individual’s credit ranking to increase.
Instant poor credit personal loans are generally available on the internet. Loan applicants need to complete a web-based application with some specifics such as a bank statement, age, account number, proof of identification, name, e-mail address, and so on. In advance of applying you should make sure that you have got all the details you may want to complete the necessary paperwork. Any person can get the fast cash personal loans very easily and with virtually no delay. Loan authorization is usually approved in one day or even less of applying. The rate of interest is high with this type of loan product because they are unsecured plus your credit will probably be an issue. In addition as a result of lack of collateral these kinds of loans tend to be high risk for the banks.
The ideal solution to source inexpensive poor credit loans is by making an application on the internet. Nevertheless, before that a little bit of detailed research will definitely assist you to get the very best available offers on these financial products.
Check out important tips about forex trading online – please go through this site. The times have come when concise information is truly only one click of your mouse, use this possibility.
Tags: Unsecured debt, day loans, individual desires, detailed research, Bad Credit, best available offersSome Secrets Of Credit Card Approval For You
May 11, 2010 by Loans Guide
Filed under Bad Credit Loans
You may think that a process of credit card approval is a kind of a mystery, because there are some secrets in it. This page will clarify for you all the secrets you can face during this process and you will understand how to receive approval for your credit card. The biggest secret to get an approval from a credit card institution is to have a high credit score. A high credit score shows the responsibility of the borrower and that an applicant always pays his credit debts on time. Such applicant can easily get an approval for his credit card application form from any credit company because they like such clients.
One more secret is related to applying many times within a short period of time. If you want to get approved for your credit card application form, you should not look like a person who is desperately seeking where to get a credit card. It is very bad for your credit record, because you must be patient while applying for a card and wait the response from the company first and only then send another application form to another card company. Every credit card application influences on your credit history and makes your credit score lower or higher, and changes your chances to be approved in the end.
If a consumer has got disapproval, the easiest way to know the reason of the denial on his credit card application is to ask about it the credit card institution. They know for sure why this or that credit card application was declined. Certainly every bank or credit card institution has its own criteria and they are not going to speak them up to their potential clients, but it is normal to ask them if an applicant got disapproval and wants to know the reasons of it. And they will explain their applicant why his credit card application was weak and what was wrong with it. Next time the applicant will know what to improve and how present his personal situation better to get approved for his credit card application. He will have possibility to change something in his credit history for the future.
If an applicant has a bad or short credit history, or a low credit score, he must know that it is quite fixable. He merely has to pay his bills on time and more than the minimum payment amount. It can increase his low credit score during several months and he will be ready for a successful credit card application soon. All mentioned methods must be used to improve the bad credit history and they will definitely help, because they were developed to help applicants with short or bad credit history.
Looking for offers 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 dash to the credit card applications. Find out what is smart and what is stupid to do on this market. Everybody can fill out online form, but not everybody is capable of finding a provider with really great offers.
Nowadays we live in the world where information quickly enhances the quality of our life.
That is why if you are properly armed with the information in your sphere of interest you can rest assured that you will in any case find the way out from any bad situation. So, please make sure to get back to this blog on a regular basis or – best of all – sign up to its RSS feed. In such an easy way you will have your hand on the pulse of the latest info updates about credit cards, small business grants and other important topics here.
Tags: successful credit card, bad situation, credit company, Credit Card Application Form, Next time, personal situationA Great Choice If You Are Facing Difficulty Securing A Traditional Small Business Loan
December 26, 2009 by Loans Guide
Filed under Cash Advances
Credit Card Receipt Advance is perfect for business owners that have difficulty securing traditional business loans or funding. Businesses that are starting up or do not have regular cash flow cannot guarantee regular payments. Unlike loans, merchant cash advance is not repaid with monthly installments on fixed dates. This helps business owners as the cash advance needs to be repaid only with credit card receipts.
Though loans and merchant cash advances work differently, neither should be taken out without due consideration to certain factors.
Credit card sales vs. Credit score
Business owners with low credit scores face a lot of problems in acquiring traditional loans. Merchant cash advance providers accept the fact that some business owners may not have a good credit score. Therefore, the providers also consider the projected credit card sales of the business.
The amount of cash advanced to business owners depends on both their credit score and credit card sales. Business owners should have at least one of the two – high credit scores or high credit card sales – for a business cash advance to be approved. Approval is almost guaranteed if the business owner has a good credit score as well as high credit card sales.
Terms of the advance
Merchant cash advance providers expect their money to be repaid within the preset payment term. While loans are repaid with interest, cash advance is paid back with a fee that is calculated as a percentage of the credit card sales of the business. Just as the interest rate for long-term loans is higher than short-term loans, the fee charged for merchant cash advance also increases with the term of the advance.
It is advisable to repay the advanced cash as soon as possible, as the overall cost of the advance increases with time. For example, the merchant cash advance that is repaid in six months is cheaper than that paid back in one year.
Selecting the merchant cash advance provider
The same laws that regulate other financing organizations such as banks do not regulate the merchant cash advance industry. Many merchant cash advance providers charge exorbitant fees and exploit the needy or desperate business owners. The industry is trying to regulate itself to ensure its growth and discourage dishonest merchant cash advance providers from hurting the image of the industry.
Before taking out an advance from a merchant cash advance provider, evaluate the terms very carefully and weigh multiple providers to find the best deal. Do not get ripped off by unscrupulous providers. Check references to make sure you are dealing with an honest provider.
Business Cash Advance is an option for business owners unwilling or unable to take out traditional loans. However, there are many disreputable providers in the market, and business owners need to be prudent.
Do your homework as you would before taking out any other loan. Having a clear plan to repay the advance quickly is a good way to reduce the overall cost of the merchant cash advance.
Tags: business loan, high credit card, long-term loans, traditional business, Credit Scores, business loans
