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.

Saturday, April 12, 2014

How to Deal With Repayment of Short-Term Loans

Getting Into Debt

There are immediate, personal needs for which you only need a short-term loan. It may be for a small home improvement project, a wedding in the family, a local trip or a holiday expense. It may even be to pay off old debts.

As the name suggests, a short-term personal loan is granted for a short period and is essentially meant for personal usage. It is quickly granted and does not discriminate on the basis of credit score.
Due to its short duration and in the absence of collateral, this loan may have a higher interest rate than other loans. The interest rate may often be low if you have a good credit history, but it may become a bit higher when you have a poor one. In the latter case, you have to sometimes give proof of employment and income.

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At one point or another, you realize it would be wiser to pay as immediately as possible to escape from paying interest for a longer period of time, and unnecessarily at that. The primary reason for having taken out such loan would have been so as not to stress one's finances too much when a need came up. But with the need having been addressed, it becomes quite natural to go back to your comfort zone, to procrastinate and focus your attention on something else. At the back of your mind, though, you are aware that these are just delaying tactics on your part so as not to face the real issue of having to pay up.

Getting Out of It

Short term personal loans are small amounts which you can repay in 6 months' time if you can. They do involve only a short term of repayment. Try not to overextend your loan and end up paying fees many times over in a vicious cycle. Otherwise, you end up paying more in fees than the actual amount you borrowed. You don't have to carry the loan and let it drag on for years when you can repay it earlier. By all means, repay it now if you possibly can.

If you cannot at the moment, after 6 or 12 months of having paid on time, you may ask your bank or lending agency to refinance your loan at a better rate. Once you get a lower one, try to pay more than the new monthly payment rate you are given.

You can also make extra payments or pay more often than you are required to. Remember that your main goal for paying off the loan is to save money on the interest you keep paying. This will dissolve your debt sooner.

Personal loans borrowed from friends now and then or occasionally should not be neglected either. It is wise to keep your loans short-term with them if you want to make the relationships last long-term.
These short-term loans were available when you needed them. If you have the extra money now, you don't need to stay in a loan you can get out of. So get out of it now. It's payback time.

Wisening Up

Available credit is a tool with its costs and benefits. Credit in the form of fast, short-term loans is a valuable source that can benefit you if you handle it with the ease of level-headedness. Quick to avail does not go with quick to forget. On a personal level, it's time to wisen up when dealing with short-term loans of a personal kind.

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