Your Questions About Payday Loan Lenders Only

December 24, 2011 by Loans Guide  
Filed under Payday Loans

George asks…

Can payday lender really do this?

I took out a loan from one click cash for 250 dollars last year to help with an unexpected vet. bill when my dog got sick. I paid the ENTIRE loan including fees, and interest back when the debited my account for six weeks like they were suppose to. Two months later they started debiting my account again. I contacted them numerous times, and never could get anywhere with them so I just closed my checking account, and opened up another one. Somehow they got my account and routing number for my new acct., and started debiting it as well. Now not only did I pay all of the loan back, but somehow they are debiting my new checking acct. w/out my permission. First how would they get that info., and how did they even debit it when they didn’t have permission nor a reason from me? I have already reported it to my bank and they are dealing with it, but this really makes me mad b/c they caused me to o/draft, and my rent check bounced.

Loans Guide answers:

I would calmly explain to them that they have seven days to provide documentation of EVERY penny. Tell them if they fail to justify or return the money in that time, your attorney will contact them. You always wanted to OWN a payday lender.

Thomas asks…

need a payday avance?

ive tryed most leading lenders but all are awkward for example only take on people who are paid monthly or got a checkbook or earn over £250pounds a week i earn £210 a week and paid weekly with no checkbook but have a debit card please help im in need of a small loan weather it be a payday or small cash loan im currently a discharged bankrupt of 4 years manythanks in advance
timmy h

Loans Guide answers:

Hey Tim,

Most folks that use this are in the United States and since you reference different currency I think it would be hard to help you… We have many loan places in the states for the situation that your in but you don’t mention where your from… I hope you find help….

Good luck,

Linda asks…

Bad credit cash advances?

Due to medical expenses we have fallen behind on bills, rent, utilities etc. My credit score is not very good because of these recent problems. I have been trying to get a payday loan. Friends have reccomended a few websites. Each one I go to says they will match me with a lender. I fill out the application and get redirected to another website that says they will match me with a lender. Does anyone know of a legitimate website to directly apply for a payday loan? I am only in need of $1000 to cover the rest of this months rent.

Loans Guide answers:

I’ve never seen a payday loan offered for more than $500. I believe medical expenses are either #1 or #2 of the leading causes of bankruptcy. IMO, perhaps you should consider bankruptcy. Those medical expenses would be wiped clean and you could have a fresh start. Plenty of people have rebounded from bankruptcy, too.

In regards to your medical bills, you can cut a deal with the hospital/physician billing people. This is exactly what insurance companies do, so why shouldn’t you be able to? When you have insurance and they tell you it will be $100k for a kidney transplantation, do you really think that’s how much the insurance company paid? No, they told the hospital what is the lowest amount of money you are willing to take for this operation. A lot of Americans don’t know that if they can’t pay their medical bills, call them up and cut a deal. Tell them what you can pay and they can take it or leave it. If they are smart, they will take what you can pay and avoid you going bankrupt where they get nothing out of you.

This is a little bit of a sour issue for me because I just don’t understand why the wealthiest nation on earth can’t provide affordable health care to those who need it. Even small countries like Sweden have basic systems that work… In Sweden there is a cap at $100 for outpatient services, $230 on prescriptions and $10/day on inpatient services…

Carol asks…

Grammar check please?

The interest rates on payday loans are always higher than regular loans because they are risky for the lender and only last a couple of weeks.

Loans Guide answers:

Not bad, but this would be better: The interest rates on payday loans are always higher than those on regular loans because payday loans are risky for the lender and last only a couple of weeks

Richard asks…

Do you think its funny when McCain supporters still say they dont know what Obama’s change is?

Here comes all the “empty suit” references from the rightwing mouthbreathing, knuckledragging squad.
John McCain/Bush stands for a third term of the disasterous Bush administration, the guy should be stuffed and mounted and put in a museum somewhere in South Carolina.

Here are some of Senator Barack Obama’s positions:

Opposed the Iraq war from the start.
Voted to end the war in Iraq.
Supports capturing and killing Osama Bin Laden.
Favors a $1000 tax cut for every working American family.
Will implement tax form simplification to reduce filing time.
Provide tax credit for all middle class homeowners.
Provide a tax cut for all families making less than $75,000 a year.
Amend NAFTA to protect American workers.
Amend NAFTA to strengthen environmental protections.
Providing Flex Ed training accounts for workers.
Extending Trade Adjustment assistance to service workers.
Supported Patriot Employer Act of 2007 that gives tax credits to large companies that keep workers here in America.
Double funds for basic federal research.
Implement a long term research and development tax credit.
Invest in green technologies.
Reduce carbon emission gases.
Tackle the challenges of global warming.
Create an energy focused youth jobs program.
Create Federal Renewable Portfolio Standard.
Extend the Production Tax Credit.
Expand Broadband into every community.
Keep the Internet tax free.
Expand high speed internet access in rural areas.
Fight for passage of Employee Free Choice Act.
Ensure freedom to unionize.
Would overturn “Kentucky River” classifications of Bush’s NLRB
Protect rights of striking workers.
Increase the mininum wage to index it to inflation.
Crack down on predatory lenders.
Provide a universal mortgage tax credit for homeowners who don’t itemize.
Sign the Stop Fraud Act to prevent lending fraud.
Mandate accurate loan disclosure.
Create a fund to protect people from foreclosures.
Close the bankruptcy loophole for mortgage companies.
Establish a credit card rating to improve disclosure.
Ban utilateral credit card charges.
Apply interest rate only to future debt.
Prohibit credit card interest on fees.
Prohibit Universal defaults.
Require prompt and fair crediting of cardholder payments.
Protect working people from unfair bankruptcy laws.
Ban executive bonuses for bankruptcy companies.
REquire disclosure of pension investments.
Cap outlandandish interest rates on payday loans.
Implement legislation to drive unscrupulous lenders out of business
Create a bankruptcy exemption for people that went broke because of medical bills.
Double funding for after school programs.
Extend Family and Medical Leave Act.
Encourage states to adopt Paid leave.
Expand the Child Care Tax Credit
Supports ratification of UN Convention Rights of Persons With Disabilities.
Supports independent, community based living for people with disabilities.
Expand educational opportunites for people with disabilities.
Expand job opportunities for people with disabilities.
Strengthen civil rights enforcement.
Sign into law the Fair Pay Act.
Sign law reversing recent SCOTUS rulings that permitted discrimination against women.
Sign law reversing recent SCOTUS rulings that permitted discrimination against racial minorities.
Strengthen federal hate crimes legislation.
Eliminate the sentence disparities regarding crack cocaines.
Establish drug courts for first time, non violent offenders.
Create a prison to work incentive for those transitioning back into society.
Passed a law to prohibit the practice of racial profiling.
Supported reauthorizing the Voting Rights Act.
Opposes all discriminatory barriers to voting.
Helped reform death penalty system in Illinois to protect innocent people on death row.
Voted to ban cluster bombs.
Provide high quality affordable child care to families.
Will quadrulple Early Head Start funding.
Will increase Head Start funding.
Creates early learning challenge grants.
Abolish overly rigid teach to the test curriculum in schools.
Improve accountability in public schools.
Invest in intervention strategies to reduce dropout rates in schools.
Increase funding for afterschool programs.
Supports Step Up program to increase summer learning opportunities.
Support English language learner programs.
Expand college outreach programs.
Create teacher service scholarships.
Requires all public schools to be accredited.
Create teacher residency programs.
Create the American Opportunity Tax Credit for higher education.
Streamline financial aid application.
Introduced legislation to increase Pell Grant to $5,100.
Reduce carbon emissions by 80% by 2050.
Confront deforestation.
Promote carbon sequestration.
Accelerate commercialization of plug in hybrids.
Promote development of commercial scale renewable energy.
Invest in low emission coal plants.
Transition to new electric digit grid.
Double science funding for clean energy products.
Create Green Jobs Cor

Loans Guide answers:

No, because they do know. And they also know that it is a bunch of BS and will never happen.

“Provide a tax cut for all families making less than $75,000 a year”

Wow.. What happened to the $250,000? Now it is $75,000? What will it be by the time he takes office??

Tax cuts for those that don’t make anything???

Nice points dude!!

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Your Questions About Payday Loan Lenders List

October 5, 2011 by Loans Guide  
Filed under Payday Loans

Donna asks…

Where can I find a list of lenders that offer bad credit loans w/o a co-signer?

I am looking for a personal bad credit loan. Not a payday advance. No application fees and no money upfront. No lender referal fee services please. I need at least $5000 or more. I have searched and came up w/ negative and costly results. Please help. Thank you!

Loans Guide answers:

That’s a hard one. Are you in school? If so, you can always take out an in school loan from a lender such as www.nelnet.net. If not, try your local credit union. It’s easier to get a loan through a credit union than a bank. Sorry if I wasn’t helpful.

George asks…

Are there private lenders out there to help a hard working woman?

Where can I find a loan with poor credit rating? I have a loan with a lender, but, it’s at such a high interest rate and need to get my payments cut. Banks don’t want to talk to me and I don’t want a payday loan. (No Nigerian lenders, please). I’ve tried Prosper (have a current listing), but no bites, yet. I’m already working 2 jobs and do not want to file for bankruptcy. Divorce has put me in dire straits. Is there ANYONE out there that can help?

Loans Guide answers:

Go to prosper.com. They use your FICO score but get individual members to finance $50-200 of your loan. Depending on how much you need ($1,000-25k), you can get the loan funded from 5 to 100 different people

Mary asks…

loans for newcomers?

Hi, I’m a newcomer, moved into melb from overseas 2 mths ago. working as a network engg for the past 1 mth as an IT contractor in an ongoing contract. get paid around 1200 a week. I’m having so much trouble with getting a loan or a credit card because i don’t have over 2 or 3 months in my job. does anyone know if there is any hope at all.
My wife and daughter are overseas, and if i want to get them over, we all have PR’s, i was told thats not possible because the loan has to be used only for me.
can’t i use it for my own family? then what is the purpose of a loan? i just don’t get it. and apart from those 6 reasons that they list, can’t people just get loans based on their eligibility and have the freedom to do what they want with it, because they are paying back, and have the capacity to pay back?
I’m desperate to get my family over. can someone please advise.
i tried all these payday loans and lenders. none help.
I guess the answer pretty much shows i have no option unless i work for atleast 6 months.
So are there no options for contractors? with over. 1.9 million independent contractors in australia, are there no options at all for them?
if i mention a purpose and use the money for something else, is there a way that can lead me into trouble?
PR is a permanent resident. I have the right to live and work in australia. I am a skilled migrant.
won’t the banks take a cheque for the loan amount as security, so in that case, if i default or run away, a police case can be filed against me, and i’m apprehendable by law. surely that should account for some form of security.
if i had a permanent job, there is the 3 month probation that i have to get over before i can get any credit. what guarantee is there that i won’t be fired or quite after the 4th month? sounds a bit silly that the focus is more on pre defined criteria than a case by case and accurate assessment.

Loans Guide answers:

Several problems are here. First you are a contract worker which means that your job has a likelyhood of ending at a certain period of time. Am i going to give you a loan for 5yrs when your contract and/or verification of income only states you are guaranteed a job and an income for 1 month. Probably not.

Second, Where is my collateral for the loan? No home no car ? HMMMMM that’s quite a risk. Who said you won’t disappear on me when I give you the money. The loan is based on your good faith. Sometimes that isn’t good enough. The bank looks at the worse case scenario. IIf we accept to give this person a loan what could go wrong.

Third, PR”S? What is that? Paragraph 2 isn’t clear to me. Just a guess but looks like whoever you applied with for a loan is telling you in secret code( might as well be a megaphone) you need to change your loan purpose to one that is directed at you. I could be wrong. Example, I need $5,000 to pursue a Master’s in engineering. Then use it for your family.

Lastly, maybe to find a co-signer and people a very sensitive about that because if you don’t pay it couldruin someones credit.

Oh yeah avoid pay day loans because their APR comes out to like 300%. You’ll never pay it off.

Carol asks…

What’s with most of the suggestinons people answer with refer to Payday Loans, already said I’m unemployed?

Even though unemployed it is not my intention nor desire to stay that way long. My intent/goal is to become Paralegal upon graduation from Washburn University (although not happen until pay Spring 09 cost so can enroll in Fall 09 and Spring 10). Have been searching for jobs as well as following unemployment rules to receive that money. They first denied me these benefits thus caused me to appeal with legal, justly, and rightfully grounds especially since not voluntarily quit or fired straight out (instead manager suspended me for false cause and unjust reasons). So that’s why not even get that money and lost my car over summer to LoanMax Title Loans in Topeka, KS and why have not been able pay the college.

Now speak with judge about unemployment next Wed at 2:30pm and when go will have the voice recorded which used during conversation with manager (same day he suspend me and grandmother died). My grandmothers death is main reason not return to work the following Thur, Fri, and Sat but came in on Sun to check schedule, and was not there nor contact info there as well. Informed fellow co-workers, on 5/11/09, 5/13/09, 5/14./09, even 5/17/09 when returned from funeral week, that not be able to return due to situation but would at end of week.

Even though that not matter to them as they not inform manager or what he said to Department of Labor, “I think I heard his grandmother away but but I don’t know what it has to do with his unemployment”. Hemp Really so death come up during same day suspend me (5/9/09) and not see that not able to come back in 4/5 days because be there, wow anyone else see problem there. Now all need is a cosigner or some loan that works with people with poor/bad credit not give list of lender which end up only being cash advance links but real loans. Know there’s some out there and can help as have heard about them from friends and other people here and other college I’ve attended. So that’s just brief or perhaps detail of why need loand as well as how will use it, such as pay off the Spring 09 semester remaining balance. Would nto need the loan for next semester as would receive Post 9/11 GI Bill, Fin Aide Loans and $4800.00 Pell Grants, and possible after finish documents with SRS receive education help from them due to my Auditory Processing, Attention Deficit Hyperactivity Disorder, and Bi-Polar Disorder. Ok thanks for time and understanding have great day.

Sincerely
James Thompson
BCCC Graduate 2007
Washburn University Student
Topeka, KS 66621
(785)670-3695

Loans Guide answers:

Hi,

I have found this site to be use full. Check it out……..

Robert asks…

Are there any pay day loans available?

where you can fill out the loan application without them sending you to various other lenders? I mean the process never ends. I fill out the application, then the site sends me to a list of lenders interested in providing me with a loan. So, I fill out the application to the lenders they sent me to, and then those lenders send me to MORE lenders, and it goes on and on and on. IT NEVER ENDS!!!!!!!!!!! I need a Pay Day loan site that lets me fill out the application, then approve me then and there without them sending me to a list of lenders that send me to even more lenders. It’s ridiculous. How does anyone get a loan if they just keep sending you to site after site without approving you? If anyone knows a payday loan site that gets you a loan without the BS, please leave me a link. Thanks in advance. Very much appreciate all answers.

Loans Guide answers:

It appears that even the pay day loan people are turning you down, and sending you to more and more lenient higher interest rate people who are also turning you down. In the long run it is a good thing as you do not want to get in that trap. Although it is a sad state that you are being turned down by even the lowest of the low bottom feeders. What you need to do is take a hard look at your life, improve it, and your credit, what you do not need is more debt.

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Three Suggestions For Getting Your Free Government Grant Utility Authorised

July 8, 2010 by Loans Guide  
Filed under Uncategorized

Prior to now, getting free government grant cash appeared simply a matter of finding the applications with out there funding and submitting an application. Whereas there are thousands of authorities and private foundation grants, most people did not know they existed or find out how to apply for them. As more and more folks grew to become informed in regards to the availability of free government money, tens of millions of people are not making use of for grants and, due to this fact, there’s extra competition.

The availability of free grant money to help repay debt, start a home business, pay for professional development or to buy real property is no longer a secret. Thousands of dollars in free money that never needs to be paid back is being obtained by individuals each single day. As a citizen who’s funding these government grant packages together with your tax dollars, you have the correct to request some of this cash too.

Grants are required to be given away, and the approving brokers award these funds by selecting the most qualified applicants. When there have been fewer people making use of, there was no other choice however to be more beneficiant with giving away these funds. Now with more grant purposes coming in, the approving brokers have extra choices to make and will be more selective.

However just because somebody is qualified to receive free grant money would not essentially mean they’re awarded the funds. Much like a university utility, your grant application may have more to do with displaying why you have to be awarded the funds and less to do along with your background. Many of those grants for people do not require a credit check, earnings verification, or any sort of down payment or collateral.

To extend your probabilities at getting your grant software approved, think about:

Assembly Eligibility Requirements: While there are thousands of grants and no limits on the variety of grants you can apply for, remember to read the phrases to make sure you meet the qualifications.
Be Aggressive: In your application, make it very clear why you’re the best particular person to obtain these funds. In most cases, the agent wants to see that you will not only put the cash to good use, but there’s so return on their investment.
Do not Take No for an Answer: In case your application is initially rejected, find out why and resubmit your utility if you happen to feel you would make modifications significant enough to get approved. Many instances it is only a matter of getting the precise paperwork within the palms of someone feeling beneficiant that day.

While an increasing number of persons are submitting purposes to receive free government grant cash, there are millions of individuals claiming these funds. Those that are resourceful and take action have a chance to obtain hundreds of dollars that by no means needs to be paid back. Use this cash to your private use and as leverage in your quest for financial freedom. Discover out in case you qualify without cost grant money today.

Pell Grant is very helpful for those who do not have much money for college fee, Pell Grants is a financial need formula created by the US Government,you need to fill up Pell Grant Application form to be a member of Pell Grant.

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Tips On How To Write A Successful Grant Proposal – A First-Time Grant Proposal Author’s Information

July 8, 2010 by Loans Guide  
Filed under Uncategorized

You do not have to be a extremely-degreed, professional writer to write down successful grants (although it does let you use the English lexicon to its fullest potential). Nor it’s essential to use a whole lot of bid phrases, when writing one. Surprisingly, grant proposals and RFP’s (request for proposals) that are written in plain English have increased approval rankings than ones that are stuffed with technical, “Harvard” words.

The explanation for this is because grant proposals and RPF’s that are written this manner possess a human voice and fell to them, making your proposals extra fascinating to the members of the approval board of each grant program. You see, most members of the grant approval boards are folks identical to you. Heck, a few of them didn’t even set foot on the grounds of a faculty!

After they see your plain written grant proposal, it’s like you’re proper next to them, killing them softly along with your words…sharing a part of your life with them. That is to not say that this will guarantee that your proposal might be authorised, but it would evoke some level of feeling into those who read it.

Okay, the query for this article is the best way to write a successful grant proposal? We’ve explored the significance of people writing plain-talk grant plans. Now, we’ll discover other tips about find out how to get the cash you and/or enterprise deserve.

Before you even write your RFP, or grant proposal, you should know how much money to ask for, say exactly what the money will probably be used for, and while you want the money. Though this perhaps robust at first, you should sit down with and record every detail. Failure to mentions any of these concepts will get your proposal denied. Grant evaluate members wish to see clear, concise, and well-though out grants.
When the proposal is completed (truly before it is accomplished), do a substantial amount of research, on the grant program and the board that will assessment them. This especially goes for spelling the name of the grant program, the address of the grant program’s areas, and even the name(s) of the person(s) who obtain them.
The grant plans must be well organized and simple to read. This embody free of all grammatical errors (spelling, sentence structure, etc.) When a person on the grant appropriations board have a look at your proposal, or your RFP, they anticipated it to be clear, concise, and effectively organized.
By no means write a plan with the purpose of solely getting money for your self or your company. In your plan, embrace how the money will benefit those that are in your loved ones or community. Doing it will give your plan more enchantment and can improve the chances of getting it approved.

Pell Grant is very helpful for those who do not have much money for college fee, Pell Grants is a financial need formula created by the US Government,you need to fill up Pell Grant Application form to be a member of Pell Grant.

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