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, April 13, 2014

Pros and Cons of Applying For a Loan Modification Online

With shopping for everything from cars to soap online, it's become evident that web commerce is ever more prevalent. You can even get loans online and there is no shortage of online lenders ready to meet your needs even if you're getting a loan modification. There are many lender do offer the ease of online applications however, in this case it may be smarter to apply in person.

The fact of the matter is that a loan modification has different requirements than the traditional loans and you'll find that many lenders don't provide these requirements with the online application. Knowing what the loan's requirements are can save you a lot of time and energy and you'll only get them by calling the lender.

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There are online lenders that offer quick approvals but beware of them. They can cause much more harm than help for homeowners seeking a loan modification.

In laymen's terms, loans that offer quick approval only take the underline into consideration and other variables tend to be overlooked and not considered. So, if you are not an exact match to the criteria of the quick approval loan you will be denied.

If you are like most homeowners, your circumstances are varied and in some cases extenuating. So it'll be best for you to apply in person at the branch or faxing your application in. if you do have a special situation surrounding your request you can submit a hardship letter and doing so can be the difference in approval or rejection and approval time.

This is not to say that online lenders do not have the capability to take hardship letters. You will typically have to mail or fax the letter with the application to the lender.

If you are considering applying online to avoid submitting a hardship letter you are going to be disappointed. The hardship letter should be taken as seriously as a cover letter for a resume as it is very imperative to the approval process. Taking the time to create one can be the cushion an unattractive application needs to get approved.

You don't have to research your loan online alone. You can seek out local lenders to see how their online loan modification applications. Large banking corporations like Wachovia have consumer reviews and blogs that allow you to read others experiences. Bank of America actually allows you to see sample hardship letters in an effort to show you the types of letters that had a positive effect.

The net offers an unmatched amount of information on almost everything. So, it's not a bad idea to begin researching your loan or lender online. Just keep in mind that applying for your loan online is not the only option you have in getting you loan approved.

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