Posts Tagged ‘business cash advance leads’
Wednesday, May 2nd, 2012
No credit check cash advance loans make it easier on people who otherwise would be unable to procure a loan because of a less than ideal credit history. The fact is, though there are many people
with good credit, there are also plenty without. The lender that makes a determination based other things will usually have a higher rate of approval. No credit check also means there are no extra inquiries on a credit report. Inquiries can sometimes affect any future credit applications, so keeping those to a minimum is necessary.
Depending on where a borrower lives, the loan may be applied for at a cash advance center or online. Some lenders deal strictly online. The application process is quick. The approval might be in as quick as an hour. Most potential borrowers know whether they have been approved in less than 24 hours. Quick cash advance loans take care of emergencies, such as a late car payment or electric bills. For some families, the loan may be the difference between whether they have food to eat. Borrowers will find that the loan comes with an interest rate, fixed fee, or percentage according to the lender preference. When it comes time to pay, the amount can be paid in full or through a minimum amount due.
Have you been in this situation? Let us know.
Sunday, April 29th, 2012
Instead of worrying about whether there is enough left in the coffers to take care of this month’s bills, smart people turn to interest free payday loans as a temporarily making ends meet. The need for extra cash
is not limited to any one group of people, especially during tough economic times. Sometimes the money is necessary for an emergency, but it might also be used for something fun. Lenders are not asking how the money is spent, but they want to make sure they will receive their money back.
Before applying, a certain set of requirements must be met. At the very least, the applicant needs to be of age. They also must correct identification on hand. Most lenders will also require that a regular source of income be available and that borrowers have a checking account. Lenders give the applicant a certain period in which to pay off what they owe. This might be based upon when one’s next check arrives or it may be within 30 days. For borrowers that prove to be reliable, loan amount increases may be available in the future. Best of all, the approval time is short and for times where there is a cash crunch, nothing is more important than time.
What is your opinion? Let us know.
Monday, April 23rd, 2012
It has been proven time and again that many people find they need a little cash to help make it through until they receive their next paycheck. Emergency cash from a national payday loan center makes this process
simple. It used to be individuals had to go in person and fill out a loan application. The approval process was also much more stringent. Now, instead of waiting days, money can be directly deposited into a checking account within hours of approval. Most take no longer than 24 hours. The biggest bonus is that the application process can be done online.
Most of what they look at is a steady source of income. The loan requires a fee, which may be a percentage of the loan amount or a fixed fee. When the amount is due, the loan and any associated fees are payable. Some financial institutions are set up for minimum payment amounts to keep the account in good standing. For first time customers, the amount may be smaller. If a customer proves reliable, they may become eligible to borrow a higher amount, if the time comes. It relieves a bit of the stress that comes with worrying about paying necessary bills.
Thursday, April 19th, 2012
My son was turning thirteen and at the same time, I’d had to unexpectedly replace the battery on my car. Since I’m a single mom, it really hurt me in the pocketbook when I had the extra car expense come up at the same time I was trying to save up for my son’s birthday present. As I ate lunch with a co-worker and spilled my worries out to her, I told her I wished my son’s birthday was only one week later because after my next paycheck I’d financially be OK again. I just didn’t have enough money this week to stretch between the car battery (which was a necessity) and the birthday present. She asked me why I didn’t go to a cash until payday store and get a loan until the following week when my next paycheck came.
I’d never considered borrowing cash until payday but when she mentioned it, I realized that it was a great idea. I went to a local store that I passed on my way home that evening. I was so easy. I was approved right away. All they did was verify my employment and told me the money would be deposited into my bank account by morning. My son had a great birthday. He loved his present. I paid my loan back the following week. It was a great idea to get a loan to tide me over. Now I know what to do if I get into a tight financial situation again.
Have any of you been in such a situation? Care to share your adventures? Please do…
Sunday, April 15th, 2012
The water heater broke in the house my husband and I just bought last month. With all the other expenses we’ve had getting the house set up, I didn’t know how we were going to pay for a new water heater but it was certainly something that we couldn’t do without, especially now, in the winter. I finally told my husband that I thought the only thing we could do was to get a cash advance on a credit card. Then we’d be able to replace the hot water heater. We hated to do it but didn’t see any other alternative.
As I was venting to my friend about the financial hardships of owning a home, she asked me if I’d thought of getting a payday loan to tide us over until we get our next paycheck. She told me the interest and fees would be much less than what we’d pay by taking a cash advance on a credit card. I’d never thought of a payday loan but spoke to my husband that afternoon about it. I went down to a loan store later that afternoon. I couldn’t believe how easy it was to get approved. The money was in our bank account the next morning and we were able to get the hot water heater right away. I’m glad we got the loan – it was much easier and cheaper than borrowing from our credit card.
Friday, April 13th, 2012
My daughter recently hurt her wrist while playing outside with her sister. Knowing payday wasn’t until the end of the week, I wasn’t sure what to do as the doctor’s office told me they wanted payment when I brought her in for the appointment. My sister told me that she’d recently gotten a loan at a new one hour payday loan store right down the street from where I work. She told me that it was very easy to get approved. I walked down during my lunch break to see if they could help me.
As soon as I walked in and talked to someone, they assured me that as long as I had a verifiable job and a bank account, they could approve me right away. I filled out the paperwork with the information they requested and before I knew it they told me I was approved. I couldn’t believe how easy and fast it was. They said the money would be in my bank account by the end of the day. I went back to work, called the doctor’s office and made an appointment for my daughter the next morning. I couldn’t believe how quick and convenient getting a one hour payday loan actually was. I’m so glad I got the loan and I’ll not hesitate to go back, if the need arises.
Thursday, April 5th, 2012
Payday loans, or cash advances are commonplace nowadays. Many people are using these loans to get the money they need for emergencies and for whatever else they might need. A person should be cautious with these loans since you have to pay them back almost immediately. If you are considering a cash advance San Antonio services you need to know what to expect from this lending service. You must have identification, a checking account and proof of your income in order to get your cash advance loan. How does this process work?
You will write a check in the amount that qualifies according to your income and/or limits mandated by the state regulations. When you write your check the company gives you the money for your loan. You use the money however it is you need to use it. When your next paycheck comes in, you will get your written check back in exchange for the cash amount for the check. Every cash advance San Antonio transaction is a legal agreement and must be adhered to according to the legal guidelines which have recently changed. You will also be charged a premium interest fee for this kind of cash advance so use this option wisely.
Thursday, March 29th, 2012
Cash advances for merchants, or businesses work differently than your standard individual cash advance or payday loan. Instead of signing over your next paycheck, you are signing over a portion of your future sales to the entity issuing the merchant cash advance. These lenders commonly work with only retail, restaurant and service companies with a lot of credit card sales but that are unable to qualify for standard loans. The interest rates vary, but are usually much higher than payday or cash advance loans for individuals. Business owners should be careful about which company they choose to work with. Merchant cash advances should be treated like any other loan and you need to do your research before choosing this option.
The merchant does not make payments to this type of “loan” and the companies that issue the money for these cash advances do not call them loans. Instead, the lender takes a percentage of the daily credit card sales of the merchant’s establishment until the merchant cash advance amount and the premium is collected. This is usually to happen within 12 months or less. The main selling points to merchant cash advances is that there is no due date for payments, no fixed payment and the money gets paid back faster.
Saturday, March 24th, 2012
are short-term, high-cost and interest loans that allow you to get quick money based on your income. You need identification, a checking account and proof of your income in order to obtain one of the cash advance loans. Most quick online loan offers require that you sign over your next payday check to the lender or you write a check that is not cashed until your next payday. It is a legal agreement that also comes with high interest charges. Depending on the state it can be as much as 15% for the first $100 of your loan. If you borrow $600 each $100 you borrow can have interest attached to it.
The amount of money you can get with a cash advance loan varies depending on your income and the state in which you live or borrow the money. Some quick online loan entities are allowed to offer up to $1500 for a cash advance loan. Every state has guidelines that govern these entities, how much they can loan to person, how much interest they can charge and other guidelines. You need to know these guidelines before entering into any agreement with a payday loan lender. You should use this resource under discretion and use this option wisely.
Wednesday, March 21st, 2012
A payday loan can also be called a check advance or cash advance loan. Michigan payday loans, under Michigan law are a “deferred presentment service transaction”. The entity licensed to offer payday loans is considered the payday lender or licensee. The loan itself is a short-term, high-cost contractual agreement. The only requirements for this loan is proof of job or income, a checking account and identification. The Payday loan lender gives the consumer the cash, check or money order they need and then the consumer agrees to give them their next payday check as repayment of said borrowed money.
The Deferred Presentation Service Transaction Act is the entity that governs payday loans in Michigan. Payday loan lenders are only allowed to have one outstanding loan per customer and a consumer may only take out two payday loans with different lenders. Michigan payday loans come with interest just like any other loan. Under Michigan law these lenders are allowed to charge interest of up to 15% for the first $100. Thereafter, they can charge 14% for the second $100, 13% on the third, 12% on the fourth and 11% on their fifth and sixth $100 payday loans. The maximum loan amount per customer, per payday loan lender is $600.