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.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

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.

Tuesday, March 11, 2014

Cash Car Equity Loans - How to Make an Informed Decision


Are you in urgent need of funds but are unable to rely on conventional loans from banks and credit cards because of a low credit score? If you've ever been in a cash crunch and have ended up taking a car equity loan from predatory lenders, you know how devastating it can be to your financial state.

Some lenders prey on borrowers with bad credit and need quick cash. They may charge very high interest rates and trap you in a cycle of debt that is hard to break out of. They could impose rigid terms that make it impossible to repay the debt, so hey can finally repossess and sell your vehicle at a profit. In addition, they could also add clauses that prevent you from taking legal action against them protecting your assets.

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Your car is your lifeline and a significant asset to put up as collateral. Losing your car due to failure to make the required payments according to the agreement can result in car repossession. This will seriously impact your family and your ability to go to work.

To make an informed decision when taking out a car equity loan, it's important to understand how the loan is structured and what you will be expected to pay and when you need to pay it by. The most important parts of the agreement to watch out for are the interest rates and the length of the term.

The interest rate is the amount a lender is charging you for lending you cash. It is expressed as a percentage of the borrowed amount. Some lenders only let you know their interest rate in monthly terms, but you must calculate the annual interest rate by multiplying by the lenders rate by 12, especially if you plan to take a long-term loan.

Another factor that you should keep in mind is the term of the agreement, or how long you have to pay back the total cash owed. This can vary from 30 days to more than 24 months depending on the agreement. Find out if you will be charged pre-payment penalties in the event that you decide to pay back the loan early.

What Happens To the Loan Agreement when the Term Ends?

Read the fine print to learn what happens to your loan agreement once it has reached the end of the term. Make sure you repay a part of the principal with every installment or else you could end up owing the lender a "balloon payment", which can equal the total borrowed amount, at the end of the term.

If the bulk of your monthly payments go towards paying back only the interest, and you find that you're unable to pay the balloon payment, the loan may have to be rolled over into a new agreement, perhaps with a higher rate of interest. This can get you deeper in debt and make it more difficult to increase your low credit score.

Read all the loan agreement terms, ensure you work with a reputed lender who offers competitive interest rates, flexible payment terms and no pre-payment penalties, and understand your consumer rights to make an informed decision when taking a car equity loan.


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