Holiday Lenders Take the Stress out of the Season
Everyone knows how stressful the holiday season can be. As a kid it’s all fun and good times, but once you hit adulthood, the holiday season means responsibilities, obligations, and a lot of spending, often more than you can really afford. If you have kids it starts in Halloween with costumes, parties, and candy. Then you have the food for Thanksgiving and more parties and gifts for Christmas and New Year’s. Holiday lenders are here to help you get through this season with your finances intact and your stress levels low.
Holiday Lenders Provide Needed Cash
Probably the biggest factor causing you stress during the holidays is the need for cash. You have to spend a certain amount of money, no matter how frugal you try to be. You can’t be a total scrooge, especially if you have a family. If you work, but get no holiday bonus, it can be tough to scrape together the money you need to cover everything. This is where our holiday lenders come in. They can get you the cash you need to finance the season and they can do it quickly. Whether you wait until the last minute to buy the things you need or you plan ahead, holiday lenders can provide you with the cash you need in a day or less. Apply today and get cash today. It’s that fast and easy to get your needed holiday cash, so stop worrying about it.
Holiday Lenders Make Borrowing Affordable
Of course, the last thing you want to do is push the stress from the holidays to the post-holiday season. A lot of people do that when they overspend or max out credit cards to take care of expenses. You can avoid that stress when you borrow with our holiday lenders. They provide short term payday loans. This means you get the cash you need, use it, and then repay it within a week or two. When you finance your holidays with short term loans, the amount of money you pay in interest remains affordable and you don’t have to carry that debt into next year. Let our holiday lenders get you the cash you need in a way that is smart and makes sense for you and we’ll help you take the stress out of the season.
Here’s What Direct Payday Lenders Look for in Borrowers
Are you looking for a quick way to get cash? Do you need extra money to pay bills or to support your family? Does your paycheck not always stretch as far as you think it will? If you can answer yes to any of these questions then you may need to connect with direct payday lenders. They can provide quick cash through a process that is easy and stress-free. You’re worried about being able to borrow, right? Our lenders approve most people, but here is what you should know about what direct payday lenders what to hear about you.
Direct Payday Lenders Don’t Worry About Credit Scores
One of the best things about getting cash through our direct payday lenders is that they don’t typically check credit scores. Sometimes a lender may want to see what your history with payday loans is like, but generally, all they want to know is that you earn a living with a regular paycheck from your job. If you get that regular paycheck and it meets a certain minimum amount, you will most likely be approved on the spot. The point is that direct payday lenders don’t care about your credit history. They know that if you work hard to earn a regular income that you are probably going to be able to afford a small, personal loan. Credit history doesn’t really tell your lender much about what you will do with a small loan. Your income does tell your lender that you have the money to repay it.
Direct Payday Lenders Look for Borrowers in Need
We provide the kind of quick cash that you won’t find anywhere else. Unless you can borrow money from a family member or friend without feeling guilty or without straining your relationship, there is no better source of cash than from direct payday lenders. We know that you sometimes need extra money and that it has nothing to do with being irresponsible about money. Many people just struggle to get by because jobs don’t pay enough. Life is expensive in most places in the U.S. and if your paycheck doesn’t always stretch as far as you need it to, you’re not alone. Our direct payday lenders want to help you get the cash you need to make ends meet, to pay the bills, and to get food on the table for your family. Apply today and you have a very good chance of being approved and getting your cash sooner than you ever imagined.
How to find the best direct online lenders
Once you make the decision to seek financial assistance, it can be overwhelming to choose who to lend with. How do you know what company to go with? What should you look for in a lender? What should you avoid? Are there any red flags you should watch out for?
Here are some tips on how you can find and choose the best direct online lender for you and your personal needs:
1). Look for a license.
Trustworthy online direct lenders will typically display a license on their website. State laws usually will regulate and set certain limits on interest and fees that lenders are allowed to charge. If you don’t live in state that allows short-term lending (payday loans, cash advances, tax refund loans, etc) then you may have to opt for a direct online lender that works out of state or out of an Indian reservation. It’s important to read the fine print on any online direct lender’s website.
2). Insist on a full disclosure on your loan’s agreement.
If it seems too good to be true, it probably is. You should know the APR, any fees or charges, and what happens if you don’t repay the online loan in a timely manner before you sign the dotted line. If a direct online lender hesitates, beats around the bush, or flat out tells you it doesn’t matter, you should look elsewhere immediately. Millions of Americans have become slaves to debt. Many get started on the debt cycle by not being 100% informed of the agreement they’re getting themselves into.
3). Look for an encryption seal.
An encryption seal on a website means the website is equipped with technology that will protect any personal information you provide from being leaked to outsiders. If you provide personal information like your income, bank account, or social security number on a website that isn’t encrypted, you are essentially subjecting yourself to identity theft. A reputable online direct lender’s website will be encrypted.
4). Customer service should be friendly and informative.
Be wary of customer service associates who evade your questions or pass you on to another representative. A quality online direct lender will be more than happy to answer all your questions and concerns. As their customer, your happiness should be their top priority.
5). Review an online direct lender’s certification.
A good online direct lender is a legal lender. Check to see if your lender is certified, what their reputation is in their market, and how long they’ve been in the market. If you come across an online direct lender who isn’t certified, find out why. Using a certified online direct lender may cost you a little more, but they are usually the safer bet.
6). Get a referral.
Do you have a friend who has had a good or bad experience with an direct online lender? Do you know someone who benefited from a payday loan? If you do, ask them questions. Most people are eager to help you avoid a bad situation and help you find a good, quality online direct lender.
7). Go through a third party website.
Applying for a cash loan through a third party website, like SpeedyPaydayCash.com, that “matches” borrowers with lenders is a sure way to get a good deal. Third party financial services websites have already reviewed all the direct online lenders they match their customers with.
The Speedy Payday Cash Promise – we will do an exceptional job in providing you with access to the best payday loan lenders available. Some of our lenders are direct lenders and some are not, some of our lenders are popular and some are not, some of our lenders are bbb accredited and some are not, but one thing is paramount above all else and that is they are all honest and reputable and provide an express service that is second to none. Direct Online Payday loan lending is not a popularity contest but if it were we’ed be winning.
Payday loans or cash advance loans are a great way for those in need of fast cash to obtain the money necessary to meet emergency expenses that can’t wait. Direct payday loans have been in around for some time now and is a service that not only provides a life line for those in need of cash but can save people a lot of money in overdrawn fees or late payment charges, that may result when people don’t have the money to meet expenses right away and with the speed of services provided by direct online payday loan lenders.
Before you take out any sort of payday loan it is crucial that you look into a number of different companies that offer these loan products or simply come to Speedy Payday Cash where we have done the research for you and only allow the best and most reputable lenders into our network. The laws relating to direct payday loan lending varies significantly from state to state and gaining a good understanding of these laws will certainly assist you in making informed decisions when choosing a lender.
Some states set very strict limits on the amount of money people can borrow through any payday loan lender while others impose limits on the annual percentage rate that lenders can charge. Other states have taken more drastic measures by outlawing payday lending completely and some set very few restrictions on how the payday loan lenders operates. Regardless of the legislation that applies to the payday loan lender in your jurisdiction, you can be rest assured that this industry is governed by measures put in place to protect you, the borrower.
One thing you may wish to be aware of is the way in which the payday loan lender charges for these cash loans. Since these loans are short term loans, with the repayment period being anywhere from two weeks to one month, most lenders will charge a certain amount for every $100 borrowed. When you apply an annual percentage rate to these short term loans the rate seems like an inconceivably high amount. However, when an annual percentage rate is applied to these loans it is somewhat of a misrepresentation of the actual cost of the loan as the loans are short-term loans and not ment to be held for a year.
Some states have applied a cap to the annual percentage rate that payday loan lenders are allowed to charge. While this may seem like a positive step to protect the borrower, because the repayment term is so short it means that the payday loan lender is actually making next to nothing from the services they provide. In states where this legislation is applied these lending agencies are unable to continue to provide these short term cash loans to customers, as it is not worth the loss they would have to take.
Many states, however, have applied more sensible legislation to payday loan lending by setting limits on the amount of money that lending agencies are allowed to lend customers through a payday cash loan. Some states actually set a maximum amount while others stipulate that customers are only able to borrow up to fifty percent of their monthly income. This legislation not only provides some protection for the borrower but also allows payday loan lenders to continue operating in a competitive and sustainable market. We reccommend you never borrow more then 20% of your monthly income.
If you are interested in finding out more about direct payday loan lenders and what you need to know when considering a payday cash loan then read the many blog entries available at Speedy Payday Cash Blog. There are many lenders that offer these types of loans over the internet and they should always be able to provide you with information regarding their rates and lending terms and conditions up front before you are required to sign a loan agreement.
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