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.

Tuesday, April 22, 2014

Risks of a Car Title Loan

If you need fast cash and own a car, you may consider a car title loan. While this may seem like a quick fix to your money problems, this too-good-to-be-true solution has its share of problems. These are the disadvantages of a car title loan:

High interest
Lenders often charge triple digit annual percentage interest rates in the case of car title loans. Thus, before applying for the loan, make sure you have the realistic ability to repay it.

High fees
Not only does a car title loan have a high interest rate, it usually also includes other fees that can quickly add up to more than you want to spend. These could include fees for processing documents, late payments, roadside assistance, and lien. In addition, even though it is illegal, some lenders also charge a repossession fee. Pay attention to the fine print and understand the terms of the agreement before signing.

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Car as collateral
Receiving a car title loan is as easy as handing in the car title and giving up an extra set of keys. Do not be misled by the quick money, however. The bottom line is that if you default on your loan, you lose your car. This is a risk which you cannot afford to take.

Short repayment period
A car title loan is a short-term loan with a typical repayment period ranging from two weeks to 30 days. Since the interest rate is high and most of the borrowers are from a low-income bracket, often people do not pay back the loan in the 30-day timeframe. In this case, the loan is rolled over to the next month and the interest rate is hiked up. This cycle keeps the borrower in debt.

Other alternatives
If you think that a car title loan is the only loan option, think again. Other ways exist, such as taking a short-term, low interest loan from a local credit union, asking your employer for a cash advance, or looking into the possibility of emergency community assistance or small consumer loans. Though admittedly not an attractive option, you could consider asking your family or friends for help.

It is important to remember that your financial troubles are temporary. Thinking realistically will enable you to come up with smarter ways to raise finance without increasing your debt.

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