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.

Friday, March 28, 2014

Auto Collateral Loans Benefit Borrowers With Bad Credit

Borrowers with a bad credit score have the option of using their car title to get an auto collateral loan. If you have a plan to repay the loan responsibly, it could get you out of a jam and even help you improve your credit rating.

A bad credit rating can create a lot of problems for someone living from paycheck to paycheck. There are a lot of times in our lives, when we need emergency cash for unexpected expenses such as medical or dental procedures, accidents, hospitalizations, home and car repairs, student expenses and natural disasters and subprime borrowers have difficulty obtaining funds in times of emergency since, their credit history makes them a bad risk for lenders.

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A low credit score means they cannot typically get unsecured credit because they have already not demonstrated a pattern of repaying debts on time. However, there are some loan options available even to those with a bad credit rating, besides payday loans and unsecured debt. Subprime borrowers have the option of using their car title to get an auto collateral loan.

When borrower puts up some form of collateral, in this case a vehicle title, to protect the lender in case the borrower defaults on the loan, it is a form of secured debt, called auto title loans. California borrowers prefer loans with secured debt because, it typically carries a lower interest rate than one that is unsecured.

Since, the security offered is a car title, an auto collateral loan will have a competitive interest rate. However, it will still be higher than a conventional loan in order to offset the risk of lending to borrowers with bad credit.

If you fail to make payments according to the pre-determined repayment schedule, the lender can then take the auto title to cover the debt. To qualify for an auto title loan, you must own the car used as collateral, and the car must be paid off or nearly paid off.

A good number of lenders will only lend up to a certain percentage of the car's wholesale value, to protect themselves, in case the vehicle looses its value over the term of the agreement, which is typically between 25 to 50 percent of the car's wholesale value, but in some cases it can go up to 100 percent.

The lender usually does not offer 100 percent because, if borrowers default on the title loans, California lenders may have to incur costs during repossession and may not be able to sell the vehicle at full price. All these scenarios are factored into the loan agreement.

When you apply for an auto collateral loan, make sure you choose a lender that offers flexible repayment options and competitive interest rates. It is quick and easy to get approved and get the cash you need, that is why a title loan is so attractive for borrowers in times of emergencies.

Always have a plan of action for repaying the loan. Make the payments diligently and on schedule, to avoid additional charges and higher interest rates. Showing responsibility in repaying a debt can even help you improve your credit score.

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