Your Questions About Payday Loan Lenders Only
November 28, 2011 by Loans Guide
Filed under Payday Loans
Mary asks…
If a payday loan company is not licensed in Texas or a CSO can I only pay back the principal amount borrowed?
I know, I’m an idiot and I got myself in trouble with some payday loans; however, I’ve been doing a lot of research and from what I’ve found, if a payday loan company is not a CSO or licensed in the state of Texas this is illegal and all I would have to pay back would be the principal amount borrowed. However, I had this one payday loan where I’ve borrowed multiple times and had paid a ton of interest fees enough to cover the amount I currently have out (mycashnow.com is the lender) will I have to pay back anything at all if all the interest fees that I’ve previosly paid are more than enough to cover the last amount I borrowed?
NO LENDERS PLEASE!!!!! I’M REALLY SICK OF YOU PEOPLE and I know its my fault for being stupid, but no more lenders.
Loans Guide answers:
Actually, I don’t think you’re going to have anything to worry about from lenders any time soon. Now, collectors, that’s another story!
“Hey Jim Bob, we got this client on the Interweb who thinks he don’t have to pay our loan fee cuz’ we ain’t licensed in the State of Texas, or some crap like ‘at. Maybe you’n Curly can git down thar’ an’ pay this man a visit, show ‘im some of the fine detail of Texas law, w’ut it feels like bein’ drug down a gravel road behind a pickup truck at ninety mile an hour.”
Linda asks…
Whats Happens When Your Not able to pay back payday loans?
I know they can call you & stuff. But what else can they do. Im gonna close my account and change my telephone #. They cant sue you, etc. No ones stupid enough to files claims with a payday lender also i did reserach thats says they can only file 12 claims a year. Whats do you guys think?
Loans Guide answers:
Don’t even remind me!!!
I just got out of this cycle with these companies after a 3 year nightmare with them. I managed to get a bank loan thru a Credit Union here. I paid most of the paydays off. Then paid it all off with my income tax. I feel sorry for you. You have to pay them some how. They will take you to court and you will incur extra fees. It’s best to write them a letter or talk to the manager about making some arrangements.
Jenny asks…
Where or who can I obtain a loan from with super bad credit and no cosigner?
I have applied to every lender out there, which will do a number on my already poor credit score, I have been denied 100%. I need a student/personal loan. I have tried prosper.com but my credit score is too low. I have perfect current credit ie.credit cards/studentl loans/car laon; but I have a bankrubtcy,several collections and a resolved tax lien. My score is in low low 500′s. The only loans I qualify for ar pre-pay and payday loans. I have a full time job and I pay all my current credit cards and car loan. I have wiped out most of my collection accounts but they will remain on my report for 7 years. I have the ability to repay, but no one will lend me money, I mean no one. Please tell me someone can help??
Loans Guide answers:
I’m thinking the mob.
Okay…seriously. Talk to your financial aid officer. Don’t do private loans unless you HAVE too. Your financial aid officer should really be able to help out.
If you are under the age of 24 I think you can try and get a parent’s plus loan with the help of your parents, even if they don’t qualify you’ll still get federal loans in your name.
Remember to file the FAFSA at www.fafsa.ed.gov to get federal help.
Sandy asks…
Where can I go to get a bad credit unsecured personal loan?
I have bad credit and need a loan. But I don’t want to stick myself with payday lenders or car title lenders. And I definitely don’t want to risk my house. Any advice? I only need a quick $2,000.
No need to be a prick. I’m just asking a question. The bad credit is result of falling upon hard times, as is the case with the majority of the American population. Get over it.
Tell that to the millions of Americans who have careers, have always made decent financial decisions, but who hit huge bumps in the road.
Loans Guide answers:
I am sorry to see you in this shape, but doubt that there any “other” ways to get the loan you need unless you have a friend you can get it from.
I told everyone that this war would break America.
Now, You smart mouth bankers that will run your mouth about this girl now, I will bust your chops in a few months when you are homeless and walking the streets. You morons depend on people paying their bills for your pay. When you quit helping them, you job goes away!
Wake up before there is no america to wake up to.
Dear, you need to get out from under all that debt as quick as you can and get ready for the likes of the great depression.
It is only going to get worse as the Dollar collapses and the price of OIL climbs.
Bad foreign policy, bad politics, and bad leaders telling lies has come home to roost.
Now we all have to pay the piper as the Elite enjoy the largest profit margins in history.
Helen asks…
Small Personal Non Payday Loan?
Hello, I need a small ($2000) loan, make payments every month on it starting in April, would be able to pay it all off within 1 year. I have bad credit so my options are limited, I only need the loan to catch up on some bills till my finacee starts working again (he was in a car accident 2 months ago and broke 2 of his fingers, he starts working again in March.). Anyone know of any private lenders or companies that may be able to help me? Thanks
Loans Guide answers:
Stay away from payday loan places. They are legal loansharks. 2k is not alot. Do you need it all at once?I wouldnot be trying to borrow more money when I was already completely broke. I would just take a second job and let your creditors know what’s going on. If you tell them when you can pay them and how much, most will cut you a break. Your fiance will be working in a couple of months so this bump should last too long.
Next, the two of you need to learn how to manage money. You should have 3-6 months of expenses saved for emergencies such as this. If 8 weeks of no income has put you into dire straits you can count on it happening again. Life does happen.
Read Total Money Makeover by Dave Ramsey. It’s a quick easy read. It opened my eyes. It’s the hard, but sure, way of becoming financial secure.
Powered by Yahoo! Answers
Tags: secured personal loan, financial aid officer, credit cards, dire straits, car loan, poor credit score, federal loanYour Questions About Payday Loan Lenders Only
November 28, 2011 by Loans Guide
Filed under Payday Loans
Daniel asks…
If a payday loan company is not licensed in Texas or a CSO can I only pay back the principal amount borrowed?
I know, I’m an idiot and I got myself in trouble with some payday loans; however, I’ve been doing a lot of research and from what I’ve found, if a payday loan company is not a CSO or licensed in the state of Texas this is illegal and all I would have to pay back would be the principal amount borrowed. However, I had this one payday loan where I’ve borrowed multiple times and had paid a ton of interest fees enough to cover the amount I currently have out (mycashnow.com is the lender) will I have to pay back anything at all if all the interest fees that I’ve previosly paid are more than enough to cover the last amount I borrowed?
NO LENDERS PLEASE!!!!! I’M REALLY SICK OF YOU PEOPLE and I know its my fault for being stupid, but no more lenders.
Loans Guide answers:
Actually, I don’t think you’re going to have anything to worry about from lenders any time soon. Now, collectors, that’s another story!
“Hey Jim Bob, we got this client on the Interweb who thinks he don’t have to pay our loan fee cuz’ we ain’t licensed in the State of Texas, or some crap like ‘at. Maybe you’n Curly can git down thar’ an’ pay this man a visit, show ‘im some of the fine detail of Texas law, w’ut it feels like bein’ drug down a gravel road behind a pickup truck at ninety mile an hour.”
Joseph asks…
Whats Happens When Your Not able to pay back payday loans?
I know they can call you & stuff. But what else can they do. Im gonna close my account and change my telephone #. They cant sue you, etc. No ones stupid enough to files claims with a payday lender also i did reserach thats says they can only file 12 claims a year. Whats do you guys think?
Loans Guide answers:
Don’t even remind me!!!
I just got out of this cycle with these companies after a 3 year nightmare with them. I managed to get a bank loan thru a Credit Union here. I paid most of the paydays off. Then paid it all off with my income tax. I feel sorry for you. You have to pay them some how. They will take you to court and you will incur extra fees. It’s best to write them a letter or talk to the manager about making some arrangements.
Chris asks…
Where or who can I obtain a loan from with super bad credit and no cosigner?
I have applied to every lender out there, which will do a number on my already poor credit score, I have been denied 100%. I need a student/personal loan. I have tried prosper.com but my credit score is too low. I have perfect current credit ie.credit cards/studentl loans/car laon; but I have a bankrubtcy,several collections and a resolved tax lien. My score is in low low 500′s. The only loans I qualify for ar pre-pay and payday loans. I have a full time job and I pay all my current credit cards and car loan. I have wiped out most of my collection accounts but they will remain on my report for 7 years. I have the ability to repay, but no one will lend me money, I mean no one. Please tell me someone can help??
Loans Guide answers:
I’m thinking the mob.
Okay…seriously. Talk to your financial aid officer. Don’t do private loans unless you HAVE too. Your financial aid officer should really be able to help out.
If you are under the age of 24 I think you can try and get a parent’s plus loan with the help of your parents, even if they don’t qualify you’ll still get federal loans in your name.
Remember to file the FAFSA at www.fafsa.ed.gov to get federal help.
Michael asks…
Where can I go to get a bad credit unsecured personal loan?
I have bad credit and need a loan. But I don’t want to stick myself with payday lenders or car title lenders. And I definitely don’t want to risk my house. Any advice? I only need a quick $2,000.
No need to be a prick. I’m just asking a question. The bad credit is result of falling upon hard times, as is the case with the majority of the American population. Get over it.
Tell that to the millions of Americans who have careers, have always made decent financial decisions, but who hit huge bumps in the road.
Loans Guide answers:
I am sorry to see you in this shape, but doubt that there any “other” ways to get the loan you need unless you have a friend you can get it from.
I told everyone that this war would break America.
Now, You smart mouth bankers that will run your mouth about this girl now, I will bust your chops in a few months when you are homeless and walking the streets. You morons depend on people paying their bills for your pay. When you quit helping them, you job goes away!
Wake up before there is no america to wake up to.
Dear, you need to get out from under all that debt as quick as you can and get ready for the likes of the great depression.
It is only going to get worse as the Dollar collapses and the price of OIL climbs.
Bad foreign policy, bad politics, and bad leaders telling lies has come home to roost.
Now we all have to pay the piper as the Elite enjoy the largest profit margins in history.
George asks…
Small Personal Non Payday Loan?
Hello, I need a small ($2000) loan, make payments every month on it starting in April, would be able to pay it all off within 1 year. I have bad credit so my options are limited, I only need the loan to catch up on some bills till my finacee starts working again (he was in a car accident 2 months ago and broke 2 of his fingers, he starts working again in March.). Anyone know of any private lenders or companies that may be able to help me? Thanks
Loans Guide answers:
Stay away from payday loan places. They are legal loansharks. 2k is not alot. Do you need it all at once?I wouldnot be trying to borrow more money when I was already completely broke. I would just take a second job and let your creditors know what’s going on. If you tell them when you can pay them and how much, most will cut you a break. Your fiance will be working in a couple of months so this bump should last too long.
Next, the two of you need to learn how to manage money. You should have 3-6 months of expenses saved for emergencies such as this. If 8 weeks of no income has put you into dire straits you can count on it happening again. Life does happen.
Read Total Money Makeover by Dave Ramsey. It’s a quick easy read. It opened my eyes. It’s the hard, but sure, way of becoming financial secure.
Powered by Yahoo! Answers
Tags: private lender, Dave Ramsey, yahoo answers, financial aid officer, credit ie.credit cards/studentl loans/car laon, loan lenderYour Questions About Payday Loan Lenders Only
November 28, 2011 by Loans Guide
Filed under Payday Loans
William asks…
If a payday loan company is not licensed in Texas or a CSO can I only pay back the principal amount borrowed?
I know, I’m an idiot and I got myself in trouble with some payday loans; however, I’ve been doing a lot of research and from what I’ve found, if a payday loan company is not a CSO or licensed in the state of Texas this is illegal and all I would have to pay back would be the principal amount borrowed. However, I had this one payday loan where I’ve borrowed multiple times and had paid a ton of interest fees enough to cover the amount I currently have out (mycashnow.com is the lender) will I have to pay back anything at all if all the interest fees that I’ve previosly paid are more than enough to cover the last amount I borrowed?
NO LENDERS PLEASE!!!!! I’M REALLY SICK OF YOU PEOPLE and I know its my fault for being stupid, but no more lenders.
Loans Guide answers:
Actually, I don’t think you’re going to have anything to worry about from lenders any time soon. Now, collectors, that’s another story!
“Hey Jim Bob, we got this client on the Interweb who thinks he don’t have to pay our loan fee cuz’ we ain’t licensed in the State of Texas, or some crap like ‘at. Maybe you’n Curly can git down thar’ an’ pay this man a visit, show ‘im some of the fine detail of Texas law, w’ut it feels like bein’ drug down a gravel road behind a pickup truck at ninety mile an hour.”
Nancy asks…
Whats Happens When Your Not able to pay back payday loans?
I know they can call you & stuff. But what else can they do. Im gonna close my account and change my telephone #. They cant sue you, etc. No ones stupid enough to files claims with a payday lender also i did reserach thats says they can only file 12 claims a year. Whats do you guys think?
Loans Guide answers:
Don’t even remind me!!!
I just got out of this cycle with these companies after a 3 year nightmare with them. I managed to get a bank loan thru a Credit Union here. I paid most of the paydays off. Then paid it all off with my income tax. I feel sorry for you. You have to pay them some how. They will take you to court and you will incur extra fees. It’s best to write them a letter or talk to the manager about making some arrangements.
Steven asks…
Where or who can I obtain a loan from with super bad credit and no cosigner?
I have applied to every lender out there, which will do a number on my already poor credit score, I have been denied 100%. I need a student/personal loan. I have tried prosper.com but my credit score is too low. I have perfect current credit ie.credit cards/studentl loans/car laon; but I have a bankrubtcy,several collections and a resolved tax lien. My score is in low low 500′s. The only loans I qualify for ar pre-pay and payday loans. I have a full time job and I pay all my current credit cards and car loan. I have wiped out most of my collection accounts but they will remain on my report for 7 years. I have the ability to repay, but no one will lend me money, I mean no one. Please tell me someone can help??
Loans Guide answers:
I’m thinking the mob.
Okay…seriously. Talk to your financial aid officer. Don’t do private loans unless you HAVE too. Your financial aid officer should really be able to help out.
If you are under the age of 24 I think you can try and get a parent’s plus loan with the help of your parents, even if they don’t qualify you’ll still get federal loans in your name.
Remember to file the FAFSA at www.fafsa.ed.gov to get federal help.
Daniel asks…
Where can I go to get a bad credit unsecured personal loan?
I have bad credit and need a loan. But I don’t want to stick myself with payday lenders or car title lenders. And I definitely don’t want to risk my house. Any advice? I only need a quick $2,000.
No need to be a prick. I’m just asking a question. The bad credit is result of falling upon hard times, as is the case with the majority of the American population. Get over it.
Tell that to the millions of Americans who have careers, have always made decent financial decisions, but who hit huge bumps in the road.
Loans Guide answers:
I am sorry to see you in this shape, but doubt that there any “other” ways to get the loan you need unless you have a friend you can get it from.
I told everyone that this war would break America.
Now, You smart mouth bankers that will run your mouth about this girl now, I will bust your chops in a few months when you are homeless and walking the streets. You morons depend on people paying their bills for your pay. When you quit helping them, you job goes away!
Wake up before there is no america to wake up to.
Dear, you need to get out from under all that debt as quick as you can and get ready for the likes of the great depression.
It is only going to get worse as the Dollar collapses and the price of OIL climbs.
Bad foreign policy, bad politics, and bad leaders telling lies has come home to roost.
Now we all have to pay the piper as the Elite enjoy the largest profit margins in history.
Sharon asks…
Small Personal Non Payday Loan?
Hello, I need a small ($2000) loan, make payments every month on it starting in April, would be able to pay it all off within 1 year. I have bad credit so my options are limited, I only need the loan to catch up on some bills till my finacee starts working again (he was in a car accident 2 months ago and broke 2 of his fingers, he starts working again in March.). Anyone know of any private lenders or companies that may be able to help me? Thanks
Loans Guide answers:
Stay away from payday loan places. They are legal loansharks. 2k is not alot. Do you need it all at once?I wouldnot be trying to borrow more money when I was already completely broke. I would just take a second job and let your creditors know what’s going on. If you tell them when you can pay them and how much, most will cut you a break. Your fiance will be working in a couple of months so this bump should last too long.
Next, the two of you need to learn how to manage money. You should have 3-6 months of expenses saved for emergencies such as this. If 8 weeks of no income has put you into dire straits you can count on it happening again. Life does happen.
Read Total Money Makeover by Dave Ramsey. It’s a quick easy read. It opened my eyes. It’s the hard, but sure, way of becoming financial secure.
Powered by Yahoo! Answers
Tags: car title, private loans, payday loan, credit ie.credit cards/studentl loans/car laon, unsecured personal loan, private lendersGetting Approval With Poor Credit Score
July 8, 2010 by Loans Guide
Filed under Bad Credit Loans
Before it used to take some weeks to apply for a credit card and get a response from a credit card institution, even if it was done online, but nowadays it is quicker and easier. You will receive a notice of your acceptance via email after some seconds of completing a credit card application form online. It will be easy and quick if your credit history is excellent, great or good, but you are not doomed to pay in cash for the rest of your life for each your purchase only because your credit history is not as good as you need. There some very effective ways of improving your bad credit record.
Getting a secure credit card may be your first alternative as this type of credit cards requires from applicants to put some sum of money into their deposit accounts and they can use as credit only part of the money they had put into their accounts. Secure cards are not credit cards at all in the traditional sense of the word and they do not give any credit for a person but they provide applicants with bad credit record opportunity to fix their damaged credit and after this they will be able to apply for good credit cards. By the way, you can easily get such no credit credit cards.
Next your alternative may be seeking for a ‘bad credit credit plastic’ and getting unsecure credit that is easy to approve. The credit card of this type will repair your damaged credit record and prevent its further damage, though these cards can do a lot of harm if you use them incorrectly. You will be able to repair your damaged credit reputation by paying in full and on time your bad credit cards. After this you will be upgrade to the good credit cards in the nearest future. Of course, bad credit credit cards charge high interest rates as they are of the increased risk cards.
Your next choice may be applying for a debit card. Such credit cards are usually used depending on the sum of money you have on the specific card and they have only minimal fees for application and no finance charges.
Credit cards for bad credit have been designed specially to fix damaged credit and consumers with bad or short credit or no credit at all can make use of debit cards, secure credit cards or bad credit credit cards. They may also use unsecure credit cards for this goal too. As a rule consumers cannot use these cards for shopping and other usual for credit cards things but they restore their damaged credit history and rebuild good credit reputation with their help.
Need offers that are worth filling out credit card applications? This is not an easy task.
We highly recommend you to read this credit cards blog before you get down to credit card applications. Read what is smart and what is stupid to do on this market. Everybody can fill out online form, but not everybody is capable of finding a provider with really great offers.
Nowadays we are living in the world where knowledge quickly enhances the quality of our life.
That is why if you are properly armed with the knowledge in your topic you can rest assured that you will in any case find the way out from any bad situation. So, please make sure to visit this site on a regular basis or – the easiest way to take care of it – sign up to its RSS. In such an easy way you will have a direct shortcut to the freshest info updates about credit cards, small business grants and other helpful topics here.
Tags: helpful topics, poor credit score, Credit Card Application Form, credit plastic, bad credit record, Product Issues, small business grantsGuaranteed Payday Loans – For Financial Ease And Comfort
April 3, 2010 by Loans Guide
Filed under Payday Loans
Are you facing a period of cash emergency and cannot afford to wait for the lengthy loan procedure to provide an approval for your loan? Do not worry anymore! With the introduction of guaranteed payday loans, you can be definitely assured of receiving the needed loan amount and that too within a period of a single day.
These guaranteed payday loans are easy and quick loans with feature of guaranteed approval. Also, there is no requirement to provide any documents and there is no credit history checks as well. Therefore, it makes the application and approval procedure a very quick and easily accessible to all the bad credit score holders.
This is basically a short term payday loan with its repayment time stretching up to the period of the 15 to 30 days. The repayment time for the loan amount can also be extended by extending the interest rate along with during some difficult situations when you cannot afford to pay the loan amount. The best part about these guaranteed payday loans is that there is no requirement to keep any collateral or even any post-dated checks to get approval for the loan due to the fact that the transactions are performed electronically. The repayment process is simple as the loan amount is deducted from the bank account of the borrower on the due date.
There is an eligibility criterion that needs to be fulfilled in order to get an approval of these payday loans. The most common condition that requires wise consideration includes the borrower being attained 18 years of age or above in order to apply for this loan facility. Also, the interested borrower should be working as a permanent employee in an organization and that too for a minimum of six months at least.
Apart from the eligibility requirements, it is essential to provide the bank account details to the lender in order to carry on the process of verification. It is also crucial to mention the minimum monthly installment that the borrower can afford pay so as to ensure the timely repayment of the loan amount in the stipulated time period. Once the borrower submits these details and documents to the lender, they can enjoy the benefits of a guaranteed payday loan instantly.
Guaranteed payday loans have proved to be the real friends of faulty and needy borrowers in times of financial difficulties. Apart from meeting the economic problems of the borrower, the payday loans can also contribute tremendously in altering the poor credit score of the borrower, if the loan amount is repaid in time. These loans are frequently becoming popular among the potential loan borrowers as the procedure that needs to be followed is easy and the terms for these loans are quite flexible.
In order to get the facility of such payday loans, the borrower can either visit the office or the website of a good lender. Further, they can apply for the guaranteed Payday Loans with convenience. It is always a better option to check the rates of interest, benefits, schemes and services offered by different loan lenders in order to select the right lender that fulfills your cash needs in the best possible way. So, if you are in serious need of some instant cash till your next payday, you can take advantage of the benefits of guaranteed payday loans and get rid off all the short term financial problems.
Grab useful info in the sphere of forex trading – please make sure to read this web site. The time has come when proper info is really at your fingertips, use this possibility.
Tags: Financial services, bank account, permanent employee, day loans, credit score holders, best possible way
