Your Questions About Payday Loans Without Checking Account
January 19, 2012 by Loans Guide
Filed under Payday Loans

Michael asks…
payday loans…. Not check loans sorry.?
I got two payday loans and you have to write a check without money in the account to get them. My bank closed my account because they charged me over $285 in overdraft fees for a $10 preauthorization. I am fighting with the bank over this as it should not have happened. In the meantime the two checks that are in payday loan will be deposited to my account. Since it is closed I want to know how much trouble I am going to be in. I do not have the money to pay them in full.

Loans Guide answers:
Hello,
if you seeking a legit Payday loan then this is great ! Payday cash advances are for individuals who are short on cash in the middle of the month, and have no other way of receiving money to cover their expenses. We can receive up to $1000.00 overnight. It doesn’t get any easier than that. Once approved, your Faxless Cash Advance loan with be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities, and urgencies.
Http://faxlesscash.com/?affid=7470
• 100% secure and processing
• No credit check-No faxing
• Quick online approval
• Excellent customer service
• Get Cash in Minutes!
Good luck

James asks…
I have bad credit..Payday loans messed up my bank account. I need money by Monday 5/14/07 help?
I need aloan to pay off my childrens tuition, pay my summer tuition, and reregister my girls for the fall. I have a great job, but had a family crisis( oldest daughter got Lukemia) and I had to pay for treatments til Medicare was approved. I had a few payday loans, payng on time, until one of them went in a day early and tried to get their entire balance. That was not the arrangement, and they messed up my account, which caused a trickle down effect on every other account that was ACHed from that account. Not to mention the bank bounce check fees. I am working on getting those items corrected but now I need $4000. Any idea where I can look…fast. Without this last payment, my daughters will not be able to take finals and they will have to repeat the entire grade. I can verify all I have said. Please no scam artist saying they can give me a loan at 3% knowing they are going to charge me for living in the US and you will never see the money. ( They are on report now)
Did you read the part about the bad credit. I need lenders almost like loan sharks that will lend to anyone, like me with bad, terrible credit. I am considered high risk. I need a lender who will give me a chance despite my credit score.
Let me express something. I have no family, part of my debt comes from the house that was forclosed on when I had my stroke, and I loss everything in it, and the payday loan thing. With that said, it is not that I run up debt, I live in a cheap 1 bedroom so my girls could go to that school, and yes I will take a semester off if I have to. The point is I still have to pay their tuition for this month and register them, or they will loose their spot. They are twins and they were born with problems so I have to keep them in this school or they will fail ( i’ve tried public it was like pre school they are 14.) Also as far as identity stealing, I work for the government agency that lost the hard drive with all the employee information. I asked for ideas not criticism if you read the post you will realize that I don’t live large or beyond my means, I just have to live and keep my kids alive ( cancer kid… hello) My sneakers are 4yrs. old please.
You see what I mean about the scam artist??? Jeff Norberts one of them.

Loans Guide answers:
Wow word inc that is really tough, I cant begin to even try to understand what that is like, email me at anieves_89@yahoo.com if you can, I cannot say that my method will get you the money by the 14th, but it might help you out in the long run, take care

Susan asks…
What can I do to get $560 by Monday without borrowing or loaning it? I have a job, just no work. Please help!?
I received a letter from the prosecuting attorney, a 10 day notice that criminal charges will be filed against me unless I pay this debt by the 17th of December.This couldn’t have come at a worse time. I am in construction work and the past few weeks have been slow and my savings have been used on necessities. I have bad credit and no checking account so payday loans are not the answer. My family and relatives are also struggling financially so they cannot help either. All that I can do is pray and put this out there and maybe someone can help me figure it out. Thank you.

Loans Guide answers:
If you own the title to your car you could go to a title loan company. Good luck.

Donald asks…
Where can I get a payday loan without …?
Having my paycheck DD? And also being on the job for under 6 months. I have a checking account.

Loans Guide answers:
By my experiences, and alot of serious research, you should only work with established, land-based, payday lenders. Many of them also have on-line sites.
Additionally, do not, never ever, borrow from more than one payday lender at a time. This is how many people get into trouble with payday loans, by over extending them selves beyond the qualified amount given by a lender. Http://www.americaschoicetoday.com/Payday-Loan.html

Jenny asks…
Can I default on Internet payday loan without wage garnishments & prosecution?
I live in NM & I am on the verge of total financial collapse with payday loans. I am on the verge of being homeless. I read on this forum an previous answer from Badonkadonk & the answer was to close my bank account & to take control of my whole check. I think I cannot be prosecuted in NM. What will happen if I do close my checking account, thus not allowing ACH payments & opening up another account. What if I choose to default completely? Will it be reported to the credit bureaus? Will I be forced to pay no matter what? I need some good answers please. I am desperate.

Loans Guide answers:
Well, your in a pickle, and no mistake.
One problem is Most banks won’t actually let you just close an account. Most require a 1 month waiting period after you tell them you want to close your account and sign the paperwork. They do this specifically to prevent what your doing-closing an account from which payments may still be owed or sought. But you can try it…
They’ll keep coming after that money…
I’m not sure what you can do at this point, a lot of people have become homeless like this lately…
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Tags: Credit bureau, cash advance loan, Loan shark, wage garnishment, Loan Company, Payday Lenders, Cash AdvancesYour Questions About Payday Loans Yes
November 22, 2011 by Loans Guide
Filed under Payday Loans

Chris asks…
Payday loans yes or no.?
Well it’s almost christmas. If you were short on cash for christmas, say around $500.00 would you consider a payday loan yes or no and why?

Loans Guide answers:
Absolutely not, unless i needed it for electricity or food or medical expenses. Because:
1) insanely high interest rates
2) digging a deeper hole
your best bet is to cut back expenses temporarily that aren’t absolutely essential (cell phone if you have a land line, downgrade cable packages or eliminate all together, stop eating out at fast food or restaurants, take public transportation, buy less expensive food, etc.). Alternatively, buy less expensive christmas gifts. When your situation improves, then you can adjust accordingly.

Mary asks…
Payday Loans???
Yes, i got this payday loan from the internet and it got deposited into my checking account..(i know stupid don’t do this), it was 200 dollars and they call and threaten to turn me over to my local police department for fraud, but which i found out they can’t really do that, i agreed to pay, but i agreed to pay 20 dollars every 2 wks..bu they said that they wouldn’t be able to do that cuz it was a payday loan, and it’s not supposed to be a longterm loan and they would not do it..this loan is from great britian, and i know it was stupid to do, but as long as i am paying something there is nothing that they can do rite cuz i am willing to pay it off rite??? will i still get into trouble and go to jail eventhough i am still paying it off??? please help me out with this one!!! it is really stressing me out bad and i just found out i’m pregnant 2day!!!!!!!! please advice i’m to afraid to fo to jail, i’m very good i have never had a criminal record besides tickets!!!!! HELP ME!!!!!!!!!!!!!!!

Loans Guide answers:
They could never get a fraud conviction if you are making good faith efforts to pay it back. Paying a little every two weeks would prevent arrest. These rip-off joints use heavy handed tactics for collections because they have so many deadbeat customers.
Get your house in order and get an account at a credit union. Don’t pay 30% interst, not unusual at payday joints.

Betty asks…
yes my question is that i have gooten in over my head with payday cash advance loans and have poor credit hel
loans and have several out i need a solution i have very poor credit no home ,car or other assets. please suggest what i should do to get out of trap thanks delton

Loans Guide answers:
First off, slap yourself hard for using such desperate measures, then WAKE UP AND SMELL THE COFFEE !
Those animals ABUSE poor people, and I guess you hurt right now.
Do a budget on your outgoings, work out for yourself if the figures add up, then take it from there.
Seek advice.
DO NOT ALLOW THE BANKERS to slowly kill you.

Jenny asks…
WHAT ARE SOME BAD PAYDAY LOAN COMPANIES AND WHAT EXPERIENCES DID YOU HAVE WITH THEM LIKE HUSKHAWK GROUP?
PAYDAY-LOAN-YES

Loans Guide answers:
Dude, ALL payday loan companies are bad. They’re designed to TAKE your money, not do u any favors. Their fee is outrageous!

Linda asks…
Has anybody used those payday loan sites? If yes, are they any good? Which one is the best?

Loans Guide answers:
I would recommend http://www.advanceloan.net/
- Fast approval
- Low fees
- Nothing to fax
- Bad credit ok
You could get up to $1500 in as little as one hour by applying for a quick cash loan
-Michael
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Tags: checking account, less expensive food, payday cash advance, Loan Companies, THEM LIKE HUSKHAWK GROUP, quick cashYour Questions About Payday Loans Without Checking Account
November 17, 2011 by Loans Guide
Filed under Payday Loans

Helen asks…
Payday Loans without a Checking Account?
ANY GOOD WEBSITES OR 800 PHONE NUMBERS WHERE I CAN GET A $200 PAYDAY LOAN WITHOUT A CHECKING ACCOUNT

Loans Guide answers:
Www.dontbebroke.com – you apply online and they call you when you are approved.
A payday loan does not always require a checking account. Even if the application asks for account information, not having one will not automatically disqualify you.

Sandy asks…
Is there somewhere I can get a payday loan without a checking account?
I have a savings account and I need to get access to some funds before I get my check. I’m going to pay it right back instantly. And don’t advise me not to do it if it’s even possible because I talked to a few places. Most of the interest they charge is something reasonable for the specific situation I’m in. I was just wondering if someone knew a place off hand where that would even be possible.

Loans Guide answers:
Hello,
I am Monica Roland by name, I live in USA , just a few weeks ago I was in search for a loan of $40,000 Dollars, as my family was running out of money for feeding and my education. I was scammed about $4,500 Dollars and I decided not to involve my self in such business again finally A colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and I am most grateful am I today, I was given a loan amount of $40,000 Dollars by this great firm, GO-FORTH MICRO INVESTMENT LIMITED
If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via email goforthmicroinvestment@yahoo.com NO UPFRONT FEE

Chris asks…
Is there somewhere that I can get a payday loan WITHOUT a checking account?
But maybe a savings account?

Loans Guide answers:
Stay away from the payday lenders. They are legal loan sharks. If you figure out the interest they charge, it is usually around 400 to 800% APR. Arkansas just passe a law that bars them from operating in that state. Just stick it out. Stay away from these guys. They are scumbags and will just rape you financially. Yes, all of them are scumbags. They smile like the cheshire cat when you walk in because they know they have another potential sucker walking in their door. Their friendly attitude will change once you miss a payment or do not follow the contract to the letter. Keep clear of every one of them. They are all SCUM. Period. I hope I was not unclear here.

Ruth asks…
Can I get a payday cash advance loan without a checking account?
I am currently employed but don’t have a checking account, can I get a payday cash advance loan?

Loans Guide answers:
That answer depends entirely upon the lender. The lender generally sets the policies, not the law.
So, you just need to shop around.

Lizzie asks…
Is it possible to get a cash advance or payday loan without a checking account and based only on ones emplymnt?

Loans Guide answers:
No
They want direct access to your checking account.
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Tags: payday cash advance loan, day loans, payday lender, Payday Loans, GO-FORTH MICRO INVESTMENT LIMITED, financial assistance, Helen asks…Payday LoansYour Questions About Payday Loans Reviews
October 27, 2011 by Loans Guide
Filed under Payday Loans

Thomas asks…
Are there any pay day loan companies that accept bank statements instead of pay stubs?
I applied for a pay day loan with an online company and my application was rejected because I don’t have pay stubs. I own my own business but recently fell short of cash. I won’t bother with the online payday loan companies that claim not to review income at all because they just direct me to scam websites. Anyone know of a good online payday loan company that will give me a loan by just reviewing my bank statements?

Loans Guide answers:
Payday loan companies are scum. They charge outrageous interest rates. If you own your own business why not just go get a loan from the bank you already do business from? Also go to Http://www.daveramsey.com and type in payday loans

Lizzie asks…
Has anyone ever used paydayloandebtassistance.com reviews?
We have several thousand dollars in payday loans and can’t get out from under them. We already have these loans so don’t comment about what a bad idea they are please, we realize that now. However, we found this website paydayloandebtassistance.com that says they can consolidate them for us and we can pay a much lower monthly fee and get them paid off within 12 months. I would love to hear about anyones experience with this website. Thank you so much

Loans Guide answers:
I have not heard anything about this website (there are hundreds like it), and would suggest your best bet is to speak to your bank or better, Credit Union, to consolidate your loans into one.
This may entail getting rid of all credit cards, a strict regimen of monthly payments and a serious curb on unnecessary spending. Setting a monthly budget will also be part of this program.
It’s tough but doable. But stay away from anonymous websites – financial matters are best dealt with face to face. There’s less risk of getting cheated!!

Carol asks…
Old payday loan. calling now, threatening. I asked for something in writing, refused. any recourse?
This was 3 1/2 yrs ago. I am not denying that I had the loan. I really don’t know for sure if I paid it or not. Times were very bad then. If I really owe it, I’ll pay it. I just wanted something in writing, to review. If was refused, that seems fishy to me, like maybe they don’t really have a leg to stand on. However, either way, I can’t deal with the constant threatening messages.

Loans Guide answers:
My suggestion is to send them a Cease and Desist letter by certified mail. Here is a sample of what the letter looks like. Download and modify for you own needs. Http://www.badcreditfixup.com/writing-credit-dispute-letters.php
Now, get your free credit report and if they reported the debt to the credit bureaus, send in an attempt to validate debt. By law they have 30 days to prove you owe them money or remove it from your records.
Trust me, after 3 1/2 yrs, I can guarantee they don’t have any documents to prove the debt.

Chris asks…
Payday Cash advance which one is the best (Experience only please)?
I need a quick loan for tomorrow, my next payday is next friday, I see all those websites that says 60 minutes payday advance and all of that instant approval but i cannot find any reviews about it anywhere. If anyone had any experience with one or knows someone who did pls tell me which one is the best. I know that the interest will be high but that’s fine I need the loan so I gotta accept what comes with it. Thanks

Loans Guide answers:
The reason you don’t see any reviews is because there are no “good” reviews for them to advertise. I’ve done the payday loan thing at several places in the past and from experience – I will tell you…. Bite the bullet and wait or borrow money from someone you know or work with. I’m serious when I say that you’re better off getting your phone or whatever shut off for a week that dealing with the pay advance companies. TRUST ME PLAEASE!!!!! Or learn the hard way. It’s a black hole that’s very hard to escape from because you’ll never get caught up paying 20 – 30% interest on each loan.

Joseph asks…
How to get 700 by Saturday, please help.?
Ok, me and my fiance’ were forced to move before an eviction was sent out from our roomate’s actions, but with rent coming up saturday, we will be behind. my paycheck won’t come until the 6th and my fiance’s will be two weeks after that since he began working again after an injury. between the security deposit and the moving expenses we faced this past week, we are behind. We are young, but over the age of 18 and just started building our credit. Any help? We tried payday loans but quickly x’d out of them after not seeing positive reviews and some weren’t even secured.

Loans Guide answers:
U can make that money in two days by getting a job at ur local stripclub. Im not kidding. Im a part time exotic dancer myself.700 by saturday is easy. Just go apply for an enterteiner position. Have some high heals and a sexy gown, or a two peace sexy bathing suit. Its easy. Really it is. Plus once u made the money–no need to go back. Lots of girls do this all the time.
Ps; NO SEX INVOLVED, JUST PURE DANCING ON THE POLE, AND GIVING LAP DANCES
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Tags: Credit Report, online payday, day loans, 12 months, credit bureaus, outrageous interest ratesYour Questions About Payday Loans In Maryland
October 5, 2011 by Loans Guide
Filed under Payday Loans

Sharon asks…
If i owe payday loans in iowa and find out the intrest rate is 750 times more than the laws allow in maryland.
Payday loans are ilegal in maryland i did not know the rate cap

Loans Guide answers:
Bottom line is the loan originated in Iowa so only laws of that state apply. Sorry but you could try to make payment arrangements with them and try to get them to take away any interest and late fees. Other wise your kinda stuck and they can report to your credit so be kind when speaking to them you get more bees with honey they say. Good Luck to you.

George asks…
i have two payday loans out and would like to know if i close my checking account?
will i be subject to criminal charges. i live in maryland.

Loans Guide answers:
If you advise the loan company of your new bank account it should be no problem. But it sounds as though you’re trying to screw them. You could be charged with fraud.
I don’t know how many times it’s been said how bad payday loans are on this thread. You obviously did not read any of those posts.

James asks…
I need a loan. I live in maryland, i cant get a personal loan because they say i have limited credit….?
plus i have a closed credit card account that I am paying off. I need $1500 in the next 3 days, I tried to get a title loan but my car isnt worth enough. I really really dont want a payday loan, an i doubt i could pay it off by my next paycheck anyway. I cant get a loan of any kind, cant get another credit car, an i dont have anyone with good enough credit to cosign with me, What else can i do?

Loans Guide answers:
Be careful if you decide to apply for an online payday loan. Each state has different regulations, and I’m not sure about Maryland rules and regulations. Try contacting a local cash advance office so you can get help before taking out the loan. Http://www.howtogetcashadvance.com/Maryland-Payday-Loan.html

Betty asks…
I have a payday loan company threatening to have me put in jail …can they?
I received a call last week regarding a payday loan I took out a few years ago which the company claim was never pd back…The caller stated that if I didnt make payment within 24 hrs I would be charged in Federal Court with stealing….I immediatle pd the principal but now they claim I must pay interest accrued at over 300%…1) Since I paid the loan can they actually have me put in jail?…2) Is there some type of cap on the interest I must pay?….I am a resident of Maryland but dont think the loan originated there as it was online….I know I was a dumbass for ever taking a payday loan but at the time it seemed like the right thing to do for the situation I was in….Please advise, VERY MUCH APPRECIATED!!

Loans Guide answers:
I don’t think they could put you in jail. They’d have to file charges against you to do that, and you should have been made aware if they were doing so.
I think they used a scare tactic on you and that you need to get in touch with the BBB (Better Business Bureau). Granted, you’ve learned your mistake about getting a payday loan, but the way they tried to get their money is ridiculous. Do you have names or anything? I would file a huge complaint with the company!

Thomas asks…
Best cash til payday loan services?
Can anyone tell me the best cash til payday loan service that is online. I don’t like the payday cash advance companies in my neighborhood and rather apply online for my cash advance.
I know that most of these companies charge rather high interest rates and that is why I want to know of a good cash advance company that doesn’t rip you off. I live in Maryland…

Loans Guide answers:
I know how you feel… I had a cash emergency last year and had to look for a payday loan company I felt comfortable with. I was embarrassed to go local and stand in line and have a chance of someone I knew recognizing me.
I would definitely check a few sources before applying with anyone as the interest rates can vary greatly from State to State and company to company. Some will outright rip you off… While others will have reasonable terms and rates. Due diligence is a definite with payday loans. See my source below on a article I found about choosing the best payday type loans.
DianeS
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Tags: maryland rules, Payday Loans, Better Business Bureau, payday loan company, interest rates, Federal Court, cash emergency


