Your Questions About Payday Loan Scams
November 25, 2011 by Loans Guide
Filed under Payday Loans

Paul asks…
Are all of those payday cash loans sites scams.?
i have bad credit and need a small loan until next payday. i dont want to get scammed by somebody and pay back tripple the principal amount borrowed. Anyone have any sites to recomend?

Loans Guide answers:
It’s not a scam, but it’s incredibly stupid to get one from them.
I have no sites to recommend. If you need a small loan to last you until pay day, don’t go off the internet or head to a pay day or title loan site or location in your city. Notice where they are located–in the poorest part of town.
Talk to your family. Sell what you can. You can do without internet and TV for a month or two. If you need a loan to make it through the next few weeks, you need to learn how to budget. Until then, cut down what you need.

Mandy asks…
I am looking for a personal loan with low interest but I have bad credit?
Are there any legit companies out there other than the scam payday loans and such? Thanks to all who answer

Loans Guide answers:
Credit unions are more helpful than banks

David asks…
i applied for payday loans scam?
This morning i applied for a online loan for people with no credit from payday loans. i now realize this was a mistake. i never finalized the loan but it said i was preapproved. what can i do to get rid of this i dont feel safe now that they have all my information.

Loans Guide answers:
You are right to be leery. Call them. Record the time and date of the call and who you speak with. Request a supervisor, and tell them that you are not agreeing to their terms and that you do not waive your right to privacy. They can not share your info, by law, if you do not waive your right to privacy. (It is never to late to do this BTW, even if you signed something saying you did, you have the right to revoke that authorization at any time.) They are not going to remove you from their database, don’t ask. Once a request for credit is made, they must retain that info for a certain period of time, hope they respect the rules and treat you fair, if they don’t, find their regulatory agency (they have to tell you who that is if you ask) and report them.

Lizzie asks…
What payday loan is not a scam,?
I need to get one to hold us through until my refund comes back, I thought It would already be here but it is showing not until 2 weeks from now. Does anyone know one that isn’t a scam? We were relying on our refund to come back before now. I have a couple bills that have to be paid, then i will just pay it back when i get my refund. Thank you…Please answers from personal experience.
Thanks

Loans Guide answers:
LOL IT SOUNDS LIKE AN EMERGENCY TO ME! IS PAYING YOUR BILS NOT AN EMERGENCY?

Donald asks…
why do payday loan companys act as lawyers to take you to court?
can a payday loan company act as lawyers to scam you to go to court for an unpaid payday loan

Loans Guide answers:
A payday loan company cannot pretend to be lawyers. They may, however, employ a corporate attorney to collect on bad loans.
You would have to provide more information to get a better answer.
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Tags: Loans Guide answers, credit unions, corporate attorney, online loan, Human Interest, Payday Loans, pay dayYour Questions About Payday Loan Lenders No Credit Check
October 23, 2011 by Loans Guide
Filed under Payday Loans

Jenny asks…
Will someone tell me the best website to get a payday/cashadvance loan?
I want an actual lender not a matching service. That seems to be all I can find. I am looking for a small amount that I can pay back over 90 days or more with no credit check.

Loans Guide answers:
Check out www.speedyloanapprovals.com under personal loans you will find payday loans, these guys will get you the money you need.

Sandy asks…
CANT FIND A SIMPLE PAYDAY LOAN?
Im Looking for a paydown loan LENDER that will give me 300 Dollars i make 1,000 Dollars i have *NO CREDIT HISTORY WHY IS THIS SO FKING HARD TO GET A SMALL LOAN THAT I CAN PAYBACK NEXT MONTH WTF IS UP WHY AM I GETTING DECLINED IVE CHECKED MY CREDIT HISTORY I HAVE NOTHING ON IT THIS IS PISSING ME OFF I REALLY NEED 300 DOLLARS AND CANNOT FIND A SIMPLE LENDER THAT WILL GIVE IT TO ME IT KEEPS DECLINEING IS THERE ANY POSSIBLE WAY TO GET ONE!!!!!!!!!!!!!!!!!!!!!! THAT IS NOT A SCAM!

Loans Guide answers:
Have you tried “The Cash Store” or “Check n’ Go” those are pretty easy to use, you can call ahead for a list of things to bring, I think its a paystub, a bank statement, and maybe one or two other things. Use it with caution, because they’ll let you reborrow every two weeks when you get paid, but you have to pay a fee to use their service. I think to borrow $300 it’s $354 to pay back. If you reborrow you keep paying $54 fee every two weeks until you go in and pay it off or pay it down. So it can be helpful in a pinch, but use necessary caution.

Chris asks…
legitimate private lenders?
a freind needs aprivate loan of 2000 to do outside work on house the insurance co sent letter today she has null to no credit that aloan company will accept she is willing topay 4%onthe amount through alegit lender or company that canwork with her on a8 month setup she just mod her mtg so she cant go to citi and ask for ahome inprovement loan payday loans keep sending to different sites after infor tired of doing that brother lawyer to check loan papers if any one can help 2kids trying to keep roof over head please answer asap by 10-1-2010 thanks

Loans Guide answers:
While private lenders exist on prosper.com or lendingclub.com, if she has lousy credit no one will want to lend to her.
The rest of the online lenders are scammers that will ask her to pay a “security deposit” on the money–and then they will disappear.

Betty asks…
Any suggestions on what to do now regarding my soon-to-be-defaulted payday loans?
I began getting payday loans in April of ’07. I was just an inexperienced young adult trying to keep my car and my rent paid for me and my disabled mother. I quickly got trapped into a vicious cycle of debt. I rolled over numerous loans until I ended up with 9 storefront loans!! It finally became too much for me to handle. I’ve even already used extended payment plans with all the companies who would allow, but I ended up going back to reloan to carry over the burden of the remaining loans and my escalating bills. 8 of my loans will soon be in default. I did stop payments on the checks and closed my account and opened a new account. I placed my closed account on credit only status; the bank will now call for authorization for any debits. I just missed my due date for all the loans and haven’t contacted most of the lenders yet. One called me at work and immediately became rude and threatening when I told her I couldn’t pay the total amount or the interest to roll over. She threatened a lawsuit and wage garnishment. I know this is possible, but there is no way I can afford a wage garnishment from 8 separate lenders. I am so nervous about contacting the remaining companies because I know that these places just want their money and do not want to work with you. I am going to draft a letter revoking wage assignment rights and access to my bank account as well as a directive to not call me at work. However I fear that this will not stop these companies from harassing me at work. I know I’ve made a huge mistake and I want to pay but I just can’t pay all at once. The one lady I talked to already denied my request for a payment arrangement. Are there anymore suggestions as to what else I should do?? I don’t want to just sit around and wait for court, and I fear some of these companies will reject any payments I may make. Please help me! I am overwhelmed! I have sincerely learned my lesson. If I pay $50 a month to each lender I can have them paid within about 10-12 months. That’s all I can afford, almost more. Any suggestions or support or advise would be greatly appreciated. Thanks!

Loans Guide answers:
1. You can tell them not to call you, but that doesn’t stop them from proceeding.
2. You cannot stop a wage garnishment b/c you don’t have that authority, if they go to court, win a lawsuit, and a judge grants it, your company WILL garnish your wages per the court order.
3. They are not obligated to work with you…you over-extended yourself and agreed to the terms when you took out the money…they should have to lose money b/c you can’t pay it back.
4. I would suggest calling a not-for-profit credit counseling service…they can work with these people on your behalf. If they ask for money up front, they are NOT not-for-profit.

Paul asks…
need some help please?
not married, no kids, no car but employed and still owe a ton of money. i owe 13,000 in credit card debt, almost 3,000 in payday loans which is causing my checking account to be over draft which i thought had protection and have applied twice for it. please do not send me to any more payday lenders which will cause even more debt to incur. Have looked at credit card debt counseling and they are going to start helping me with payments of 330 per month. is that still 2 high as i earn $ 600.00 or less bi weekly
Can they garnish my wages if i have already told them i had a plan to pay them back. They do not understand i have other bills which are starting to be behind starting this month
must add no one want to lend me money to pay off debts. Have very bad credit and it will get worse for the next few months if i do not get any help. plus i have been reported to tele track

Loans Guide answers:
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Tags: credit check, Loans Guide answers, private lender, online lender, due dateYour 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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Tags: application fees, loan application, loan lenders, payday loan site, credit union, costly resultsAz Re-finance – The Best Ways For You To Refinance Your Financial Loans
September 27, 2010 by Loans Guide
Filed under Uncategorized
I’m reading and in addition studying re-finance features as well as home loans, insurance policies and different monetary subject areas for a little bit bit at this level and I made a decision to supply some thing back to the open public today. This piece of content will speak about simply what refinance actually is. I shall be addressing this seemingly basic topic resulting from the fact that I do imagine it is rather essential to get the fundamentals proper prior to we go on to harder matters. Although you as my reader possibly understand what re-finance really is, I believe I can coach you on a number of things you didn’t knew earlier than, simply because refinancing is such a fancy topic (similar to most different financial points) that maybe even the very basics confuse most individuals to such an extent that they quit before they provide it a shot. That is what I wish to correct, to just remember to’ll be capable to make an educated choice on refinancing your financial institution loan.
To refinance a mortgage normally means to repay the present mortgage through opening up an additional loan. Many people do this for a number of factors, perhaps the precise period of time throughout which the unique mortgage really should have been paid off has past but there’s just about no money to pay for the rest of the loan. Which suggests you take on one more loan to repay the remainder of the preliminary one and get your self a bit extra time.
Yet another chance could be that the primary mortgage has a higher rate of interest and someone has the capacity to open a new mortgage with a dramatically diminished interest rate. In a majority of these instances numerous money might be spared via refinancing. I’ll provide you with a real to life state of affairs for a case corresponding to this:
Mr. Brenard has a mortgage mortgage, lets consult with it as mortgage A, on his residence and also he’s paying out 25% interest month for month. Sooner or later someone tells him a couple of monetary establishment that offers financial loans with simply 18% monthly interest. This particular person chooses to undertake a mortgage, mortgage B, and use it to repay the remainder of his mortgage A. At that time, he still owes the very same amount of money, however he carries a reduced charge of interest. That is the good advantage of re-finance loans.
Clearly this particular illustration only has a restricted view on the things. True to life examples could be much more advanced and also you ought to be cautious with refinancing. It’s truly of big significance to know all regarding your alternatives to make sure you choose the very best one. As a result of unfortunately, all of us reside in a dangerous world, together with loads of people attempting to squeeze our cash out of all of us.
I actually hope this article has made it easier so that you can recognise the basics associated with refinance and also you see the benefits it has to offer to you. The subsequent thing to understand is your credit score score. You now may ask: Precisely what’s a credit rating and why is it essential for refinancing? Now that’s precisely what the following article in my private weblog site will probably be about. Exactly like this brief article, I’ll maintain it easy and provide you with a true to life scenario once again. If you wish to study more about refinancing, try my private weblog about: Az Refinance
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Tags: little bit, re-finance loans, extra time, private weblog site, insurance policies0 Interest Credit Card Applications
August 4, 2010 by Loans Guide
Filed under Bad Credit Loans
We want to have the best things in our life for free but it is impossible nowadays. All products and all services in the market must be paid for. When we give people things we always expect something in exchange. And modern consumers are not so concerned with charity than with making a profit.
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One of the most common and affordable proposals is a zero interest credit card application. It works like a regular credit card. You borrow a credit and repay it every month, but the interest free cards have no interest charges and that is the main their difference. It really sounds great but you should remember that usually credit card providers offer such cards only for a rather short period of time and their purpose is to get new clients. But you can make some savings out of this scheme.
If you follow some tips, you will have much from your interest free credit card application.
If you establish a good credit report, your credit card application form will be approved quicker and easier. Your zero credit card application form should be submitted only to a reputable and reliable credit card provider. It is possible to find the best proposals only with the help of online shopping and comparing.
Clarify everything about regular interest rates and the introductory period. Find out exactly the types of zero interest credit cards, as some specific charges may be qualified as free of interest. Some credit card companies put zero interest on balance transfers, others on new purchases.
The details about fees, costs and penalty policies must be read and studied very carefully as well as the terms and conditions. Consumers should never miss such parts of their contracts, especially information fixed in fine print. Do not hesitate to ask questions if you understand something badly about the terms and conditions.
When credit card institutions provide regular credit cards, they may be more tolerant about late payments but they are much stricter suggesting zero introductory and they can cancel the introductory period is you miss your payment deadline, so you should be more careful with your credit card repayments.
Used in a proper way interest free credit cards can offer you a kind of financial relief and you will be able to save some money. Use this type of credit card with necessary precautions and you will have some extra money in your pocket.
Looking for offers which are worth filling out credit card applications? That’s not easy.
We seriously recommend you to read this credit cards blog before you dash to the credit card applications. Learn what is wise and what is cranky to do on this market. Everybody can fill out online form, but not everybody is capable of finding a provider with really great offers.
Today we are living in the world where knowledge makes life easier.
That is why if you are properly armed with the information in your topic you can be sure that you will always find the way out from any bad situation. So, please make sure to get back to this web site on a regular basis or – the easiest way to take care of it – sign up to its RSS feed. Thus you will have your hand on the pulse of the freshest info updates about credit cards, small business grants and other important topics here.
Tags: zero interest credit cards, interest charges, interest free credit, online form, Personal finance, short period


