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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Tags: credit check, Immediate online approval, quick payday loan, loan lenders, online app, legitimate payday loans, day loansYour Questions About Payday Loan Consolidation
January 24, 2012 by Loans Guide
Filed under Payday Loans

Donald asks…
Bad Credit Loans for Debt Consolidation?
Long Story Short, Back in 2008, I ended up paying off all of my credit debt and then ended up moving to another state to be with my girlfriend (moving to another state without another job lined up is a bad idea). After Maxing out all of my credit cards, being legally homeless for months on end and living out of a motel I finally made my way back home where my credit was destroyed. I am now trying to pick of the pieces but it has been difficult.
Tons of people always talk about how people with horrible credit can still get personal or debt consolidation loans. When when you look online all you see is spam or garbage. I’d like to get a personal loan so I can consolidate my bills and move out of my parent’s house. Does anyone know of any legit, useful places that provide a bad credit loan (not payday advances)?
All of my credit cards ended up going to collections. I am currently now making payments to those collectors. They all refused to let me make payments on my own; telling me that my word on paying wasn’t good enough and that I had to either allow automatic deductions or they’d simply garnish my wages. While I was able to get several down to 60% of the original debt, the only way they’d work with me was by setting up automatic payments. I am annoyed that I am trying to at least fix my credit and pay my debt and these people are being so frustrating.

Loans Guide answers:
All of them are bad… Really. They will do the same things you can do on your own and not have to pay for it. You do not get a loan to pay a loan.
I would call the creditors and try to work out a payment plan. They will work with you if you are diligent. Make sure that every agreement comes on paper from them before you make a payment. Do not allow automatic withdrawals from any account-period, meaning do not give anyone your bank account info or any type of info that will allow for a debit.
More then likely if you do not have assets and the banks will not give you a loan it’s not worth doing. The interest rates on a loan from a shark will be out of this world and your debt will cost you lts more in the long run.
Take your extra cash and start paying down the old debt. Start with the smallest debts first and work your way through them this way.

Jenny asks…
Can anyone reommend a company offering an umbrella loan-credit card, payday,& mortage loans?
The last three months she got mired in debt through pay day loans and literally stopped paying because she was now losing money-she has a good income, but not enough to cover the losses-needs monthly totals reduced from $6,000.00/month to $2,000.00/month-BANKRUPTCY final option-does not want to use it yet-she can get smaller consolidation that doesn’t cover anything-making things worse with higher debt.
PROFESSIONAL VERIFIABLE SOURCES ONLY-IN HOUSTON, TX. Sorry Erivan, my lawyer could verify nothing of what you said.

Loans Guide answers:
I am Mrs.Jones.I am widow with 3 kids and was stuck in a financial situation that i was fixed and needed refinace behind bills.I tried seeking loan from various loan firms both private and corporate but couldnt but as God would have it,i was introduced to a man of God a private loan lender,by the name Travis Harrop,who gave me a loan of $28,000 USD and today am a business owner and my kids are doing well the last in college.So dear,if you must contact any firm with reference to securing a loan with low interest rate and better repayment plans and schedule,please contact Travis Harrop via his private email: travislendingfirm@gmail.com

Lizzie asks…
I have multiple title loans in phoenix az, can i do a debt consolidation with it?
I took out a few tile loans in phoenix az at former payday loan centers, but i dont own the vehicle so the loan centers are basically the 2nd lien holders, but not officially documented as one on the tiltle, so would i still be able to do a debt consolidation or can they legally go after my vehicle?
The loan centers are aware that i do not own my car, in arizona payday loans are illegal now, so they allow you to take a title loan even if u dont own the vehicle. guess its some kind of loop hole.

Loans Guide answers:
Legally they can file CRIMINAL charges for fraud. You CAN’T get a title loan without a CLEAN title. ALL your assets are at risk.

Ken asks…
i need to get a bad credit loan?
i am right now in a debt consolidation management program, but i need a small loan to do renovations in my apartment. i have tried getting a loan from the bank and citifinancial.com and have been denied by both because of the debt consolidation management program.
where can i go to get a small loan (and not a payday loan) with my situation
I didn’t purposely put myself in debt. My mother had major heart surgery, and I was paying all her bills and my bills, and resorted to using credit cards. my credit card debt isn’t huge, but it isn’t small either (it was 10k a year and a half ago). with the monthly payments i cut the bill in half. the only luxury i have in my cell, and its for emergency purposes only. besides her survivor’s benefits (which i don’t touch) i have my income. the apt is in need in repair and my super gives me broken promises, and the landlord doesn’t help either. I don’t even want a large loan; i’m talking about $1000, which i know i could pay back. between helping my mother with her bills, and my bills, my paycheck is nearly gone

Loans Guide answers:
Absolutely nowhere. No legitimate lender will go near you as you are in trouble with your current debts – as you have discovered, debt consolidation management programs are a “stay away” sign to lenders.
And to be honest, you should not be spending any money on renovations while you are in such debt trouble.

James asks…
If you could be a kid again, would you look up to adults your age?
When I was a kid, I looked up to adults. In my own life I did ok and didn’t think it was that hard to be successful.
Now that I’m in my 30′s, I am disgusted by most of my so called “peers” around me. I wouldn’t respect any adults today if I were a kid.
I turn on the TV and see most adults act worse than my fifth grade class.
There are so many businesses out there waiting to make money off adults for their own incompetence, everything from rehab to payday loans to debt consolidation.
And the biggest joke is that people think it’s okay to live at home after they get out of school, forever.
How would you teach a kid to respect their elders when their elders need grown up supervision?
Does anyone else here feel this way?
Yeah I agree I was taught to always respect elders, too.. and I will probably be saying Sir and Ma’am until I die, which is good.. however, those are titles I find hard to attribute to anyone my own age, especially when I just sit back and watch people in public.

Loans Guide answers:
When I read the first part of your Q I was ready to answer after I read the rest I had to pause a minute,and your right I don’t think I could look up to our generation(a little older than you) there is no responsibility for ones actions anymore people do what ever they want without regard for anyone else,everybody is out for themselves,all the time.manners are a thing of the past .I do my best with my wife’s help to raise our boys with respect and manners but it is hard to fight what they see and hear everyday when they are not with us.having said all that there are alot of decent successful people out there so don’t give up yet don’t go quietly into that goodnight.
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Tags: criminal charges, Interest Rate, original debt, Business Finance, bad idea, various loan firms, repayment plansYour 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.

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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Tags: Loan Companies, High Interest, bad thing, yahoo answers, Interest RateYour Questions About Payday Loan Consolidation
January 9, 2012 by Loans Guide
Filed under Payday Loans

Paul asks…
Does anyone know of any online installment loans for people with less than perfect credit?
I am looking for more of a debt consolidation loan, not a payday loan. Any informed info would be appreciated. Thanks!

Loans Guide answers:
Hi
we can get loan here up to $1500 in 1 hour
————————
www.fastcashloan-service.com
————————
good luck

Betty asks…
Where can I find a debt consolidation loan w/ bad credit for about 10,000 dollars?
I need to wipe out everything quickly and show a good payment history. The debts are too old to get a traditonal bank loan. I have thought about the the online cash advance payday high intrest loans b/c I am more lkely to get approved . I am beginning to think it is worth it so that can repay an old debt to my college so I can graduate, finally obtain a regular loan to secure a home loan instead of paying out high rent as a single parent of three. Where can I get this sort of loan and do the ways out weigh the means in my case.

Loans Guide answers:
Try the website below and read it all. There are several links to debt consolidation loans for those in need of credit report repair and debt help!
I got my score up from 480 to 709 in one year with the help I got from this site! Debt consolidation is not a bad way to go if it means that you avoid bankruptcy and defaulting on your loans and credit cards!

Sharon asks…
What is the quickest way to payoff payday loans?
Other than not taking them out in the first place, what can I do to pay off some payday loans that I did when we hit a money slump…We are slowly getting back on tract otherwise (budgeting mortgage payments weekly, working with debt consolidation) but now these are hanging over our heads!

Loans Guide answers:
I was in the same situation about 6 months ago. It is very hard to get them payed off, they charge so much interest. I was lucky enough to sell a motorcycle I had and used a portion of that money to pay them off. I have vowed to not fall into that trap again.
It has been hard but I have managed to do it.
I am finally able to quit robbing Peter to pay Paul.
I am sorry I was not more help, but I wanted you to know you are not the only one that has had this problem.

Donald asks…
Should I get a loan to pay off the collections agencies?
Should debt consolidation loans be taken to pay off collections agencies, or should they only be used for paying off credit cards? I have debt of about 10,000 from medical bills and payday advances among other things. I want to pay off all my debts so my credit can start recovering.

Loans Guide answers:
Get a copy of your credit report. Consolidation is fine as long as your new annual percentage rate is going to enable you to save money in the long term. Make sure you do your home work on where you decide to get the loan. Sometimes you can negotiate with your creditors to get them to take a lump sum settlement. There are companies that will do that for you but again, be careful who you choose. Financial quagmires like we are in today makes the con artists come out of the woodwork. You might be able to get some sort of financial assistance on the medical bills.

Mandy asks…
horrible credit installment loan in canada?
need to get an installment loan in alberta canada.. unfortunately i have some money issues and because i really screwed up my credit when i was younger and i need to get a consolidation loan or installment personal loan to get it all caught up.. i can make the payments i just need to find somwhere willing to lend me..
payday loans are out of the question they are too small and they need to be payed back too soon.. i need something that is at least 3 months to a year

Loans Guide answers:
With horrible credit, you are not going to get a loan. Period.
And, whatever you do, do NOT contact any of the many spammers that answered your question. They will all want up front fees or will send you a counterfeit check and ask you to wire money back to them! You will be worse off if you believe their scam.
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Tags: payday advance, online cash advance payday, debt consolidation loans, online cash advance, payday advancesYour Questions About Payday Loan Consolidation
December 25, 2011 by Loans Guide
Filed under Payday Loans

Paul asks…
Is there Debt Consolidation company that handles Payday loans and other debts?
Here’s what I have:
$1000 payday loan debt
$2000 debt to college
$567 credit card debt
Yeah, I’m not too proud of all that, but is there a debt consolidation company which can handle all of these categories of debt? I’ve only been able to find ones which handle only one type but not all three.

Loans Guide answers:
I think there are company who can give credit consolidation and can handle all your three loan problem. I think internet can help you find one.

Chris asks…
Is there a personal loan/debt consolidation for bad credit site?
Where I can talk to a live person prior to applying? I have bad credit and want to get rid of my debts and start fresh. There is no regular bank that would approve me and all I’ve found online are automatic loan sharks that only offer payday advances, and that is not what I’m looking for.
Is there a site where I can speak to a live agent so I can explain exactly what I need prior to applying?

Loans Guide answers:
Cristina, I think you’ll have a hard time, bad credit hurt many people in so many ways. Http://www.goodinternetdeals.com/Payday-Loan.html

Joseph asks…
Can I revoke Authorization on payday loan debits?
Thru the bank? Or do I have to actually close my account??
I’m in the process of putting them into a debt consolidation program and need to know the best way to prevent them from both being debited from my account and being paid thru the program.
I would really hate to have to close my bank account. That just feels shady.

Loans Guide answers:
Once you notify the bank that you no long want payday authorization, they will stop debiting your account but it may take 3 to 4 weeks. No need to close the account and have to open another.

Lizzie asks…
Who can I turn to for a consolidation loan with less than perfect credit?
I have several credit cards and a couple of payday loans that I’m trying to clear up quickly. The 360.00 a month in fees for the payday loans is more than I can handle. If I could get a consolidation loan to get out from under some of this debt it would be a tremendous relief. My credit is not great but it’s not bad either. I do have a lot of debt which I am managing to pay every month but with nothing let over. One other thing, I have no collateral for a large loan. I would be willing to have the loan amount debited from my account every payday. Any advice would be greatly appreciated.

Loans Guide answers:
Debt consolidation may be the best solution, you didn’t disclose how much liability you are carrying.. For more information and guidence, read some articles before contacting any lender..
Using Debt Consolidation Wisely
http://www.webeleven.com/Article/Using-Debt-Consolidation-Wisely/411
How Debt Consolidation Can Go Wrong
http://www.webeleven.com/Article/How-Debt-Consolidation-Can-Go-Wrong/104
and other..

Mark asks…
i am working with an consolidation program with my payday loans is this something i can work out on my own?
i have 3 payday loans and can not afford to pay them all right now

Loans Guide answers:
Hi
If you looking for a legitimate online loans 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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Tags: bank account, best way, day loans, payday advance, Loans Guide answers


