Showing posts with label Others. Show all posts
Showing posts with label Others. Show all posts

A Loan Shark’s Perspective On Fast Cash Payday Loans

A Loan Shark’s Perspective On Fast Cash Payday Loans
This is an interesting article about someone who owns a fast cash payday loan business, or who is a modern day loan shark. This person knows that he charges ridiculously high interest rates, but believes that his business truly helps those who are in a financial crisis.

Fast cash payday loan, payday loan, pay day loan

I make my living selling people fast cash payday loans, and I have got to tell you. People just aren’t fair to loan sharks. It’s there, isn’t it, even in the name. Loan shark. But really, what I do when I hook someone up with a fast cash payday loan, is give another chance to some poor guy who just does not have any chance at all without me. Sure, I make money off of the poor, but is that so wrong? I don’t force anyone to come to me and get their fast cash payday loan – they come to me themselves. If what I was doing was somehow hurting them, then why in heck would they go for it in the first place. But you try telling that to the people picketing outside of my fast cash payday loan center.

They claim what I am doing is usury, and I don’t know anything about that, but as my mama always said, you can’t use anyone who does not want to be used. Yeah, I do charge high interest rates, but it isn’t like these people are not already in debt. It’s the routine, you know the drill. Robbing Paul to pay Peter, or however the saying goes. And the important thing is that I provide these people with money now, which can hold off serious legal trouble for a good six months. And you know what, for some people, a fast cash payday loan can be enough to start to get their head above water again. That fast cash payday loan which people tell me is so unfair and exploitative, might be the only thing that stops some of these folks from losing their homes.

And this is not some new fangled scam. I didn’t open up some fast cash payday loan racket on the internet overnight or anything, just catching on to the latest craze. This here is a family business. We have been part of this community for generations, helping people who need a fast cash payday loan, and doing some business as a pawn broker on the side. Now I am not proud of what I do, but I’m not ashamed either. Everyone has got to make a living, and I do what I have to to make mine. If there is something wrong with that somehow, it is lost on me. I help out the destitute when they need a fast cash payday loan.

When an Unexpected Emergency Arises, Check out Payday Loans

When an Unexpected Emergency Arises, Check out Payday Loans
oesn’t it seem like bad things happen when we can least afford it? The car breaks down, the kids need dental work done or the hot water heater decides to break on the coldest day of the year. With today’s economy many of us are already living on budgets that are stretched to the breaking point – the last thing we need is an unexpected emergency! It’s for these unfortunate and unexpected events that the payday loan industry might be the welcome friend you so desperately need.
Check out Payday Loans

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Doesn’t it seem like bad things happen when we can least afford it? The car breaks down, the kids need dental work done or the hot water heater decides to break on the coldest day of the year. With today’s economy many of us are already living on budgets that are stretched to the breaking point – the last thing we need is an unexpected emergency! It’s for these unfortunate and unexpected events that the payday loan industry might be the welcome friend you so desperately need. Offering secure, easy and private loans, they can help you make it to the next payday while getting your emergency taken care of today.

Let’s face it – banks don’t like lending people money that need money. They certainly don’t like making small loans for short periods of time – there isn’t any money in it for them. Credit cards are even worse – they will let you have the money, only to start piling on fees and high interest rates. Truth be told, many times we don’t have the available credit on our cards to even think about taking out a cash advance. Payday loans are what helps you make it through when it seems like all your other options are shot. They specialize in lending small loans to people just like you and me who need a little boost until the next paycheck arrives. They don’t make you fill out tons of paperwork and wait weeks for a decision like the banks do. They know you need money today, not two months from now!

In recent years the payday loan industry has improved upon many aspects of customer service and loan servicing. Today, you’ll find most payday loan establishments are run by finance professionals who understand your emergency. They are clean, comfortable and welcoming places. Often times they offer other services as well – such as insurance and bill payment capabilities. Many offices are now branching out and going online, so you can take care of repaying your loan (and even applying for one) all online.

It wasn’t long ago when something bad happened that you didn’t plan for that you had only a few choices of where to turn to help — the bank, your friends and your family. None of these options appeal to a vast majority of us because we don’t want to go through the hassle. Besides, who wants to tell the world they are having temporary financial issues? Today, thanks to the payday loan and cash advance industry, you have a world of choices at your fingertips. Competitive rates, great customer service, and professional employees are all waiting for you to help you through your cash crunch.

So the next time you find that your car has decided to throw a gasket and your checking account is running on empty, consider checking out the payday loan industry. You may find with their improved focus on customer service and customer privacy that they quickly become your lender of choice when life sends you an unexpected bill or repair.

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What Information Is Needed To Apply For A Payday Loan?

What Information Is Needed To Apply For A Payday Loan?
Payday loans are very convenient. You can easily apply for one online in just a few minutes or at your local payday loan store – which may go by one of many names. While still easy to get, you will want to have the necessary information handy to make the process go much smoother. Here is what you need to know about the application process.

If you go to apply at the local payday loan center, you will need to have all of your information with you, because you must fill out …

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Payday loans are very convenient. You can easily apply for one online in just a few minutes or at your local payday loan store – which may go by one of many names. While still easy to get, you will want to have the necessary information handy to make the process go much smoother. Here is what you need to know about the application process.
Apply For A Payday Loan?

If you go to apply at the local payday loan center, you will need to have all of your information with you, because you must fill out the application there in the store. Filling it out online, of course, gives you greater convenience – and more time to find the information – if you need it.

The first piece of information that you will need will be about your job. They will want to know the name and address of your place of employment, as well as the name and phone number of your employer, or supervisor. The main thing will be how long you have worked there. It will be necessary to have been employed at the same place for at least three months in order to be qualified for a payday loan.

Next, you will need to state just how much income you make each month. There needs to be a minimum of $1,000, and some lenders will require as much as $1,500 each month. Some will accept the amount of $800 per month if you are on a fixed income. In some cases, you will need to fax some copies of your recent paystubs, and possibly bank account statements.

Then, you will want to have some information about your checking account handy. In order for them to send you the money, they will want to put it right into your checking account. This, of course, verifies that the account is real, and that they can get their money out of it when the loan is due.

Most payday loan lenders will check your information with a data bank for lenders that is called Teletrack. It is a clearinghouse for lenders that records loan applications, payment record for loans, etc. When they run their checks, they will also know how many applications you have in at any given time, as well as how many payday loans you currently have outstanding. Generally, you can have a maximum of three out at the same time – depending on your repayment record. Because of Teletrack, however, you will only want to fill out one application at a time.

After you apply, there usually will be a phone call, so they can talk to you for any other information or questions that need to be answered. One approved, then you can expect to find your money in the account within 24 hours – but many lenders can give you your payday loan in less than one hour now.

It is a real good idea to shop around some and check into the interest rates and how long you have until the loan needs to be paid back. Don’t expect much on your first payday loan – possibly up to $400. Also, watch for Web sites that may not be secure. You will be giving some serious personal information online. If you are not sure – contact them through an email first.

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