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.

Thursday, June 5, 2014

Avoiding the Payday Loan Traps


A payday loan - or a payday advance - is a short-term and small loan. It is intended to be used for emergency purposes and must be settled on the next payday.

However, payday loans - Toronto or elsewhere - have received numerous criticisms. First, critics contend that they charge ridiculous finance charges in exchange for fast and quick money. Second, they have the ability to trap borrowers, and keep them in a debt cycle. Third, there are payday loan lenders that automatically renew the loans of its borrowers. As a result, borrowers are again setting themselves up to living in debt.

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On the bright side, a payday loan can help you with your financial needs if you just know how to handle it. It can help you get rid of late charges for your credit card bills or perhaps pay for emergency medical expenses if you are only prudent in making use of this type of service.

So how do you make the most out of a payday loans? How do you avoid being trapped in your effort to scout for quick money? Here are a couple of suggestions:

Research

Before you entrust your future and your money to any payday loan lender, do your research. Read its website carefully. In a way, you can judge the "character" of a lender just by reading its website. Does it seem responsible? What do its customers say about it?

In the absence of a first-hand testimony, customer testimonials will do. But don't immediately believe in what their customers are saying. After all, no payday loan lender will post negative testimonials about them.

Another important tip in doing research for the legitimacy of your payday loan provider - especially if it's an online lender - is to check if it is a member of Online Lenders Alliance (OLA). Although this organization really has no strict legal jurisdiction over its members, it requires them to observe a certain code of fairness. In a way, you are sure that by getting a lender who belongs to the OLA, you are availing of the services of a responsible and fair payday loans provider.

Don't Get One

This tip is obvious, and perhaps a little sarcastic. But really, if you don't want to fall for the traps and the false promises of some lenders, don't get a payday loan. Whoever said that a payday loan is your only hope to get quick cash?

Financial experts believe that a payday loan should be your last resort if you are in dire need of money. You should extract other options first. You can approach some of your friends. Surely, they will extend their help if they have extra cash. Or, you can apply for amnesty if you really can't pay on your due date. Some institutions will appreciate an honest client than one who hides from them come paying time.

There you have it, ladies and gentlemen: two simple suggestions so you don't end up living in debt as a result of getting one payday loan after another. Hopefully, with these tips, you will think twice before signing up for a short-term loan.

Loans Till Payday - Payday Loans and Cash Advance in Ontario, Canada
20 Eglinton Ave. East
Toronto, Ontario, Canada
M4P 1A9


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