Pay Day Loan 101

Minimum Requirements

• US resident over 18 years old
• No outstanding payday loans
• Active checking account
• $1,000 minimum monthly income
• This service is not available in Illinois, Massachusetts, or Georgia nor is it available in any state where it is prohibited by law.

Get the funds deposited directly into your checking account to immediately access cash in order to balance your budget, handle emergencies, consolidate bills, or put money in your wallet! You’ll receive a no-obligation loan quote that details the rates and terms after you apply.

Did you know? Short term loans require only a source of income and a checking account.

All about emergency payday loans

Emergency loans are not right for everyone. Before you apply, learn more about how these loans work. Read tips from our credit experts and information about using emergency payday loans responsibly.

Yes, Its Payday

Hi! Do you need to borrow money, up to $500? YES! Payday can help you with your needs. You can get the cash as soon as next business day, there are no credit checks, nothing to fax, and you can repay all or a portion, all your choice. Click Here to fill out a very short application and you can be on your way. Get the cash you need now, Click Here Your cash can often be sent to your bank account the very next business day and you don’t repay until your next paycheck! Start Your Application Now!

When do I get my money? In order to complete your loan and get your cash to you, you MUST confirm your loan details. You will receive an email shortly with your Customer Service username and password.

When do I repay? Your repayment is the best part. The minimum required payment will be deducted from your bank account. You get cash when you need it most and repay when you have it! Still a little short on payday? No problem! Online customers are automatically renewed every pay period. Just let us know when you are ready to pay in full, and we will deduct your loan plus fees from your bank account. Start Your Application Now! I don’t have a printer and I want to print a copy of my loan documents. Can I get my documents another way? Yes! If you do not have a printer handy, there are several ways to get copies of your documents to you.

We can fax them to any fax number you request

We can email them to any email address you request

We can fax them to your local Kinko’s, Mail Boxes Etc. so you can pick them up

I have a question regarding a PENDING loan

One of our helpful representatives will contact you shortly thereafter. How do I reprint my loan documents? You are able to reprint your loan documents at anytime during the lending process. If you wish to reprint your loan documents contact us and we can email your documents to an email address you request for later printing or printing at another location.

I’m a little low on funds. Can I get an extension? Customers are automatically renewed, so you do not need to request it. If your next payday comes around and you are not as caught up as you had planned, don’t worry; we have it covered. We will automatically extend your due date, and only deduct the renewal fee from your checking account. Additional fees will apply, but you will be able to repay your cash advance from future paychecks.

The Lowly Peon’s Plight

History has shown the presence of a slow but strong movement toward helping to reach higher levels of commercial activity. All the steps so far mentioned have had the effect of making trade easier to conduct and have supported increased amounts of trading.

Debt, the result of borrowing, is a strong force that supports the growth of business and commerce by giving merchants and buyers easier access to the wealth they need to get things done. But, just like with credit, the idea of the use of debt for commercial growth had to gain acceptance. In the earliest times debt was used primarily for motivation and for control. If farmers were not able to pay the full amount of their seasonal taxes to the lord or the land there would be penalties levied that would be impossible by today’s standards. It was not uncommon for the aggravated lord for the have his way at the reigns with family members of his choice as the lowly debtor looked on or averted his gaze, in deference to his lordship. This was the fair and just penalty for such a crime in the medieval times. I think you can understand that this made the head of the household on these downtrodden farms really strive with all their might to make sure that the season’s harvest reached the necessary goal.

With this kind of history it is not hard to see why credit was met with cautious curiosity by many. After all, it looked to many like a widening chasm come to devour the integrity of family and to further erode the self esteem of the already disenfranchised common classes. Wow!

Buying A Car

So you’ve decided that you’ve found what you were looking for and now you’re ready to commit. You’re not letting this baby get away and so you stroll up to the likeliest sales person and tell them that you’ve made up your mind, that you could get it anytime, but that today is fine. Then he tells you that he, like you, is just a customer and points you in the direction of the actual salesperson.

So you work up your nerve again and head out in the salesperson’s direction. Now you’re serious and you’re ready to talk about making a deal. You tell that salesperson exactly what you want: bed length, extended cab, 4×4, special diesel engine, special off-road package with customized interior and the salesperson says “Yes, we have it!” Then, without missing a syllable he quotes you a price that blows your top like Mount Vesuvius! Your head is swimming, your adrenalin rush is backfiring and you’re caught in the grip of your own fear and confusion. What will you do? Clam down and take heart, financing may be in the mix for you.

The two main sources from which to secure lending for a major car purchases are from a financing agency, this can be a bank or other lending institution, or from the seller. When financing is secured for an automotive purchase the buyer and seller strike a deal and then the buyer applies the funds provided by the lender to the purchase in order to make the acceptance (payment tendered to the seller) meets the terms of the offer (the price asked for by the seller).

The most common type of vehicle financing, however, is “dealership financing.” In this arrangement, a buyer and a dealership enter into a contract where the buyer agrees to pay the amount financed, plus an agreed-upon finance charge, over a period of time. Many people go with dealer financing for the convenience of having one location to deal with, the fact that the dealer probably has many arrangements available with many places so they can meet diverse needs and dealers can offer manufacturer-sponsored programs to buyers.

You may have to go back-and-forth with a dealer who has your ride to get the deal you want. For instance, a dealer might want to give good rates but won’t budge on financing. Another dealer might give you a break on the financing but will be looking for a large down payment so he can make up the lost interest from your loan with bank interest on your down payment. Have a plan and see what you can do.

Just keep in mind that the dealer may not offer, or may not always know of, the best plan for you and your situation, so that it never hurts to do a little leg-work yourself to test the water sand see what’s out there. At the very least you’ll be able to speak more intelligently with the dealership’s finance department and then they will fear you.

In other cases buyers get a loan directly from a finance company, bank or credit union. In direct lending, a buyer agrees to pay the amount financed, plus an agreed-upon finance charge, over a period of time. Once a buyer and a vehicle dealership enter into a contract and the buyer agrees to a vehicle price, the buyer uses the loan proceeds from the direct lender to pay the dealership for the vehicle.

Whichever financing option you choose be sure to know the terms of financing before you sign. Essential terms include, but are not limited to things such as: the negotiated price of the vehicle, any down payments required, service contracts, credit insurance, annual percentage rate on financing, any finance charges, monthly payment amount, and any secondary insurance that cover costs not covered otherwise.

Vehicle Leasing

A question that someone looking into auto ownership and auto costs might just ask themselves is if it’s necessary to own an automobile and if it’s worth if to buy a car. New cars are pricey and used cars, though cheaper to buy, may cost considerably more to maintain so that the $7,834 in average annual operating expenses might be considerably underestimated. So the next thing you know, you’re looking at an accumulation of diverse expenses that can put you at, or even beyond, the purchase price of a brad, spanking-new vehicle.

Leasing gives you the right to use something without buying it. It is like renting an apartment or a movie. You use it for a time and then you return it. And just like with an apartment or a DVD you have to return in good shape or else you will be asked to make good for your carelessness. With a car you choose the model you want and then the length of the lease. This may be expressed in time, in miles or both! But who cares how you get your wheels as long as you’re rolling!

At the end of the lease you may simply drop off the car and walk away or, oftentimes, you may elect to pay a price at the end of the lease and buy the car outright. It’s up to you, what’s your pleasure? Just keep in mind that if you make the lease then break the lease that you’ll get fleeced! This is no different from quitting your apartment early or trying to slip out of a mobile plan or an internet provider’s plan early. There will be fees and penalties- so you might as well find out about these up-front just in case they’ll have an impact on your leasing decision.

Be aware that during the time of the lease that you will have to maintain the vehicle and this includes going to the shop to have the vehicle inspected and repaired as per the manufacturer’s warranty. If you don’t do this and the engine blows up then you will have to pay to get everything fixed- so don’t get tricked. You must also pay the insurance. Failure to do this could put you into a world of hurt.

If you are considering leasing, there are several things to keep in mind. The monthly payments on a lease are usually lower than monthly finance payments on the same vehicle! This means that your financing needs may be more manageable. Consider the beginning, middle and end of lease costs of the lease to make sure it is right for you. Compare different lease offers and terms, including mileage limits, and also consider how long you may want to keep the vehicle.

Once you’ve decided that you’d like to explore leasing then you’ll have to determine how much auto you can afford to lease. First you have to make certain that you have money in excess of what you’re already spending to meet ordinary and necessary monthly costs. The reason is because if you lease a vehicle and then are forced to abandon the lease those nasty penalties we mentioned earlier might attack- and you don’t want that.

So be aware and make sure you’re not setting yourself up for a big fall. Determine with some certainty your present monthly earning and spending levels and then see what you can do within those bounds. You are looking for an auto that you want to be a source of pride, confidence and utility. To lease foolishly and your dignity might just fade away as the repossession man makes the car vanish in your sleep and leaves you with only bitter memories and penalty payments. Then what will you do? So don’t let this happen to you- make sure you spend responsibly.

Understanding Your Credit

The credit which allows us to function if everyday life is very complicated. We use a credit score when we apply for a job, rent an apartment, buy a car, or get a new credit card. To fully understand the impact of credit on your everyday life you first need to understand how credit works and how it is scored. Once you understand this you will be on the road to building and maintaining a strong credit history.

What is Credit
Being out on your own for the first time can be fun and exciting, but it also means taking on new financial responsibilities. The decisions you make now about how you manage your finances and borrow money will affect you in the future—for better or worse. So act wisely.

Did you know that there are companies that keep track of whether you pay your debts and if you make payments on time? Then these companies make this information available in the form of a credit report and score. These companies produce the credit score that others judge you with. A bad credit history can haunt you for seven years or more. That’s why the best thing to do is learn how to maintain good credit before there’s a problem. Read more

TeleTrack and Check 21

Have you been caught by Check 21? You might not yet, but you probably will have a tangle with it soon.

It is very frustrating to have your checks clearing (cashing), as fast as you write them. Your entire routine of being able to write a check, knowing that it wouldn’t clear (or be cashed) for a few days is a thing of the past. Boy, has Check 21 ruined your life.

No need to worry. Many others, just like you are in the same situation with Check 21. Here are some choices:

You can get another credit card to charge the things you need until your cash is in your account. This credit card can help float you through this tough time. Click here if you are interested in getting another credit card.

You could get a quick payday loan. A payday loan will get you money fast. You will have the cash you need to pay the bills today. Then when your real paycheck gets to your account you will already have things under control.

If you have gotten in trouble with Check 21, you have some options. You probably need just a little bit of cash to get you through a very tight spot.

What is Check 21?

Check 21 (or Check Clearing for the 21st Century Act) is a federal law. This law went into effect on October 28, 2004. The law was developed to help increase the efficiency of the United States check clearing system. It allows banks to replace an original check with a “substitute check”. Banks are now allowed to accept these “substitute checks” as if they were the original check. In simple terms, your checks will be cleared (cashed) much sooner than they have in the past. In many cases, the very day you write the check.

Sources of Credit

Before organized consumer credit, there were five major lending sources: pawnbrokers, illegal small-loan lenders, retailers, friends and family, and mortgage lenders.

Indebtedness has always been common but there was no need to closely keep track of it and report it like today. Merchants just kept the figures on tabs or in their memories.

But someone somewhere wanted to start keeping track of this information because consumer debt was estimated as $1,500,000,000 in 1858 and it rose to 11,000,000,000,000 in 1890. In 1890 average household debt was about twice the annual income! Compare this to 1998, where average family debt and income were about equal and you will see that, incredibly, credit meant even more to our forefathers than it means to us here in the U.S. today.

The amount of lending was high from the very beginning of American freedom and only continued to rise in dollar amount levels that are nothing less than astronomical today. Now look back to the list of places where you could get credit from. Because of the bloating of credit lending by family and neighbors began to fade away. Soon only the local pawnbroker and finance companies remained and they became the undisputed heavyweight champions of the credit world.

Pawning has an interesting history. It was started by Italian Franciscans in 1462. They began, surprisingly enough, as beneficent institutions that were there to help the poor, struggling paisano peasant to obtain small loans that let the person use their personal property as assurance against the debt.

Pawning was very common throughout the western world by the time the colonies broke loose from British imperial wrath and was actually considered a respectable trade until rather recently.

Typical items that were placed on deposit in exchange for cash were clothing, jewelry, bedding, musical instruments, clocks, tools, guns and furniture. Excepting for some modern electrical items these you can see many of these same items in pawn shops today.

Secured Credit Cards

Secured credit cards are very helpful. They are a unique type of credit card. Benefiting those people who have fallen onto hard times in the past, especially when it comes to credit history, but now want to get back on the right track. Or for those who have applied for a credit card and have been declined.

A secured credit card looks just like a credit card. It can be used in many of the same places that a credit card can be used. The only real difference is that a secured credit card asks you to open and maintain a savings account or give the credit card company a deposit. This guarantees you and gives the credit card company some security for your future credit line. Thus, the name, secured credit card.

You can look at it as a promise to pay future charges. A promise backed not only by your word but with some cash. It gives the credit card company the assurance that you will be making your payments.

You may find there is a bonus for paying a deposit. Often the savings account that you open will pay you interest on your deposit. You usually have to pay more in annual fees and/or application fees, but the secured card can get you back on your feet again.

However, just having a secured credit card does not improve or create a good credit history. You must use the card and begin development of your new report of on time payments.

In no time at all you will be on your way. After a few months of on time payments, you will learn that most secured credit card companies will increase your credit line. Often this increase does not mean an additional deposit.

Once you have reestablished your credit, you will find non-secured credit card companies coming to you, wanting you to use their card. You will be back in the driver’s seat in no time, in control of your finances.

Secured Credit Card

Say hello to a new friend. Secured credit cards are very helpful. They are a special and different type of credit car for lucky people who have fallen onto hard times in the past, but now want to get back on the right track. The reasons why, especially when it comes to a broken credit history, are not important. The cavalry is on the way and relief may be at hand for those who have applied for a credit card at some time in the past and may have been declined.

You can’t tell them apart from the way that they look. A secured credit card looks just like a credit card twin and can be used in many of the same places that a credit card can be used. But there is a difference. The difference is that a secured credit card asks you to open and maintain a savings account or give the credit card company a money deposit. The reason for this is to give the credit card company a pool of money that it knows will be there to back up your spending limits. It makes the credit card company feel safe and warm and this is how secured credit cards got the name.

You can look at it as a promise to pay future charges. A promise backed not only by your word but with some of your hard-earned cash. It gives the credit card company something to fall back on in case something happens.

And sometimes you even get a reward for your deposit because many times the savings account that you open will actually pay you interest on your deposit. It is often the case that you usually have to pay more in annual fees but that is all just part of the deal because the secured card can get you back on your financial feet again. The feeling of power at being able to make anyone sell you what you want to buy and of being able to buy freely is well worth the price, wouldn’t you say?

What you have to do is apply for the card. Then you have to put some money in the account to fulfill your promise to pay up to your purchasing limit. But then comes the exciting part, you have to use that card, and use it regularly so that you generate a history of spending and paying, spending and paying, etc.

After doing this for a while you will be out of ruin and on your way to a new credit adventure. After a few months of on time payments, you will learn that most secured credit card companies will increase your credit line. And get this, most of the time this increase in the amount of money that they’ll let you spend does not even take an additional deposit. They trust you now- you’re IN!

Once you have reestablished your credit, you will find non-secured credit card companies coming at you, wanting you to use their cards. You will be back in the driver’s seat in no time, in control of your finances and calling all the shots. You’ll really like having things done your way for a change.

Quick Tips to Get You Back On the Road to Financial Success:

Make sure to pay the minimum payment every month to make sure your credit is not damaged.

Work hard to make your payments on time each month.

Check your credit report to see if you can make improvements.

Know how many days are in the grace period. This grace period allows you to not be charged additional fees while you send in your payment.

Check and see if you can receive back your application fee for a secured credit card, if you decide to use one card over another.

Make sure to pay the minimum payment every month to make sure your credit is not damaged.

Work hard to make your payments on time each month.

Check your credit report to see if you can make improvements.

Know how many days are in the grace period. This grace period allows you to not be charged additional fees while you send in your payment.

Check and see if you can receive back your application fee for a secured credit card, if you decide to use one card over another.

Secured and Prepaid Credit Card Offers

Besides the protection you receive if a credit card is stolen, credit cards are ideal for college students. Students can have the cash they need for rent, food, and books without having to be responsible for large amounts of money. Credit cards also allow you more shopping choices. If you have ever seen a great price on clothes, music or travel on the Internet, you know that the best way to make your purchase is through a credit card. In addition, just about every department store, specialty or drugstore accepts credit cards. You will probably find that having a credit card is better than a personal check. Credit cards are accepted just about everywhere.

Credit cards are a great help in cases of emergencies. Nobody likes the feeling of not being able to help or to get out of a bad situation because they don’t have the cash on hand at that exact moment. A credit card can get you through those crises. A credit card can also build you a good credit history. Many times nowadays, in order to apply for an apartment rental or purchasing a new vehicle having a good credit history is necessary. Getting a credit card when you are younger allows you to develop a good credit history for the time when you are ready to start out on your own. Credit cards are an excellent, convenient, and safe way to spend money.

Low interest credit cards

Sometimes it can be tricky to get the things you want to have in today’s world. Knowing how to get the most out of your money will get you ahead, but that’s not enough- because let’s face it; that amount of money is probably not enough to get you the lifestyle you deserve. It is something everyone wants to get- do you want to get left out while everybody else shares the good times? Then you have to have your money work for you. When it comes to credit cards and your money working for you, it is important to know how to work the process.

When you use your credit card and make a charge or purchase for an item/service, you are using what the experts like to call “plastic cash”. At the end of the month, your credit card bill or statement will arrive. And it is going to ask you to pay somebody for something. First thing you do is make sure the charges are all yours, because everybody makes mistakes. The moment just after the bill gets there you have a decision to make, if you are going to pay the bill, whether to pay the bill in its entirely or to make some kind of minimum payment.

The most financially sound choice is to play the bill in full. However, life isn’t so simple. There are times when there is a bump along your way. Those bumps can throw you over and prove disastrous if you don’t have a low interest credit card.

Many times only making the minimum monthly credit card payment can set you back because by not paying the bill in full you will be charged interest on the money you still owe. Interest charges can snowball and then you’re in for trouble. Just ask those who have a poor credit history. You will discover that interest charges build and after awhile it is difficult to get out from under your financial mess.

To have your money work for you and not against you, start with finding the right credit card. If you start off in the very beginning with a low interest credit card you will be on the right track. A low interest credit card will not charge you hefty interest on the one month you decide to make a minimum payment instead of paying it off in full. It is the wisest decision you can make when deciding on what credit card will work best for you.

By having a low interest credit card you can choose not to pay your entire monthly credit card bill. Instead, you can make the minimum payment. This will meet your obligation to the credit card company and you are still left with enough money to help you enjoy yourself through the tough times

Don’t despair if you have already gone down the path of higher interest credit cards, it is not too late. Start today by getting a credit card with low interest. It is a positive step toward getting rid of those high interest credit cards.

Be the winner you know you are! Low interest credit cards are the best choice when looking for a credit card that will work for you!

That said, secured credit cards are very helpful. They are a unique type of credit card. Benefiting those people who have fallen onto hard times in the past, especially when it comes to credit history, but now want to get back on the right track. Or for those who have applied for a credit card and have been declined.

A secured credit card looks just like a credit card. It can be used in many of the same places that a credit card can be used. The only real difference is that a secured credit card asks you to open and maintain a savings account or give the credit card company a deposit. This guarantees you and gives the credit card company some security for your future credit line. Thus, the name secured credit card.

You can look at it as a promise to pay future charges. A promise backed not only by your word but with some cash. It gives the credit card company the assurance that you will be making your payments.

You may find there is a bonus for paying a deposit. Often the savings account that you open will pay you interest on your deposit. You usually have to pay more in annual fees and/or application fees, but the secured card can get you back on your feet again.

However, just having a secured credit card does not improve or create a good credit history. You must use the card and begin development of your new report of on time payments.

In no time at all you will be on your way. After a few months of on time payments, you will learn that most secured credit card companies will increase your credit line. Often this increase does not mean an additional deposit.

Once you have reestablished your credit, you will find non-secured credit card companies coming to you, wanting you to use their card. You will be back in the driver’s seat in no time, in control of your finances.

• Tips to Get You Back On the Road to Financial Success:
• Make sure to pay the minimum payment every month to make sure your credit is not damaged.
• Work hard to make your payments on time each month.
• Check your credit report to see if you can make improvements.

Know how many days are in the grace period. This grace period allows you to not be charged additional fees while you send in your payment.

Check and see if you can receive back your application fee for a secured credit card, if you decide to use one card over another.

Saving Your Way To Wealth

The Grinch, Scrooge, Mr. Burns and Other Dastardly Misers!

I think that the facts, past and present, clearly demonstrate that ours is inherently NOT a society of savers. We can easily conjure images of country-western living of 100 years ago or more and clearly visualize cozy households adorably accented by the trappings of the period. The only thing is that we now know that many of the items we see in that image were purchased and that the purchase was likely done over time and on credit!

Leveraging debt has been a feature of the American character form the very earliest days and continues to remain a key part of American culture. But there have always been voices of dissent. And although they grew ever weaker until their silence, they are worth a brief mention.

Thrift and frugality were thought by some to be among the most important virtues to cultivate. Some even took an almost pious perspective to the idea of thrift and saving in their belief that careless spending and needless consumption were gluttony and were therefore sinful.

In 1849 one commentator wrote of those who shopped at thrift stores in order to save on certain purchases “These establishments are much frequented by economical housekeepers afflicted with that most melancholy of all distempers, a mania for cheap bargains; and many a dollar is paid for ‘cheap’ articles which, in a few weeks, become utterly and irrecoverably useless, while the deluded purchaser is congratulating herself upon the excellent bargain she has made.”

The problem that these critics faced was their own hypocrisy. Period statistics demonstrate that while a large percentage of Americans did believe that it was wise and good to be thrifty it was also found that they admitted to being less than candid regarding their financial affairs and particularly their level of indebtedness. In fact, a census undertaken in the late 1900’s in inquiry of this very topic had, after a brief inauguration, to be cancelled entirely as it was found that targeted respondents were frequently prone to lose patience with survey takers who hazarded into this area of investigation.

And nothing that followed ever came close to slowing, satisfying or replacing the American passion for continuous spending.

Post-WW I American society is largely characterized by the peoples’ desire to spend freely and to “live-it-up”. Published journalists of the time articulated this sentiment, declaring that that, “thrift was un-American.” The end of the Second World War saw consumerism reach theretofore unthinkable proportions. People were just more eager to enjoy life while they could rather than to assume everything would be all right in 20 or 30 years.

Most every American today is familiar with the idea of thrift and many believe that it is a morally admirable virtue. Occasional articles in the financial pages even point out how certain levels of saving can be maintain the health of a nation’s economy. Yet I would bet that most see the concept of thrift in the context of the value resulting from a good deal and would characterize the idea of saving for it own sake as old fashioned and out of date.

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