WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

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About Us:

Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Sunday, February 2, 2014

Basic Road Rules For the Loan Modification Process

Traveling down the highway on a road trip and dealing with a loan modification can be very similar. In both cases, you will encounter unexpected events and find yourself in need of directions from someone who knows the area or a good map. Before starting either adventure, you should have a basic "map" of where you are starting and where you need to go. Your trip through the loan modification process has significant checkpoints that you will need to visit with tasks that will have to be completed before you can travel to the next point.

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The most significant checkpoints you will encounter during loan modification will be; initiating contact with your lender, creating a statement of hardship, contacting a loan modification company, filing all paperwork with the lender, and waiting patiently. The last point is a reoccurring theme to the loan modification trip.

What every traveler must do for a successful trip is take a first step in the right direction. Your first step will be to contact your lender or further your loan modification knowledge. Be sure to contact the lender directly, not the collection agency since the collection agents will not be able to negotiate your loan modification. Speak with the lender and ask if they have a preferred method of beginning the process for their office. Most offices will flag your account to announce your intent and possibly give a period of forbearance to accommodate the long road of paperwork ahead.

The next way-point is the creation of a hardship letter. Check with the lender to see if they have a form document, sample letter, or checklist you can use for your letter. If you are unable to find an example, you can check online, your local library, or you may possibly need to move on to the next checkpoint of your trip.

Contacting a loan modification company is a significant way-point for your adventure. You may be struggling with paperwork you have laying around the house and are unsure what you need for your hardship letter, or any other letter for that matter. An expert in loan modification can be of great assistance, as well as a well prepared loan modification kit. You can think of the expert like a gas station attendant on your road trip. The attendant knows the area very well and can give you excellent directions when you are lost or need a quick path to the next checkpoint when time is short. However, these loan modification experts can charge well over $1,500 and reputable companies should not charge money up front.

The loan modification expert can also help you get through the tasks of the next checkpoint. At this checkpoint, you will have already contacted your bank and should have been set a packet of paperwork to fill out with directions. The loan modification company can assist you with filling out the paperwork quickly and accurately in order for the documents to be processed in the most time effective manner possible.

Time is of significance in this trip since missing the deadline can cause significant future expenses and hassles. Be sure to get all your paperwork in quickly, then move on the last checkpoint; waiting for the answer.

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