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Getting Better Looks with Cosmetic Surgery Loans
Looking good makes one feel good and confident. Many times the birth defects, stressful life and aging leave their marks on our bodies, which require correction. Many people feel that a little aesthetic improvement in their face and body will help...
Loans Guide
Many people are confused by the different types of loans available.Here is a helpful summary of the most common loans available today. Bad Credit Personal Loan A Bad Credit Personal Loan is a loan designed for the many people with a bad credit...
Student Loans Can’t Be Swept Away Through Bankruptcy
Bankruptcy is in the news these days, as Congress has finally overhauled the Federal bankruptcy law after years of talking about it. The credit card companies, rightly or wrongly, have been pressuring members of Congress to tighten the bankruptcy...
Unsecured Business Loans - Fuel your business with a low cost finance
Every business has a vision and a mission to follow. But, to
achieve these, entrepreneurs need to have leadership expertise
and adequate capital to finance the business. You may have the
vision to reach the new heights in the world of business,...
Why student loans are better than credit cards
Why student loans are better than credit cards You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options – -With a...
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Payday Loans: A better solution for the average American worker.
With the New Year upon us and Christmas bills starting to pile
up, countless Americans are wondering how they will pay the
bills and cover the taxes due in April. Payday loans are one
solution to individuals feeling the crunch of bills and taxes. A
cash advance will enable you to pay those bills and take care of
impending circumstances without over-extending your credit cards
or racking up non-sufficient fund fees. This source of fast cash
is used by many Americans to eliminate the long-term high cost
of credit card interest rates while providing an instant cash
solution for their pressing needs. Why would you consider a
payday loan? That is the question many American workers ask when
they are looking for a solution to their bills, and
unfortunately, those working class individuals without pristine
credit are shut out of traditional options like low interest
rate credit cards and home equity lines. The payday cash loan
has become a practical option for individuals experiencing a
financial emergency. To meet the requirements for a payday loan,
most cash advance services require you to meet a few
qualifications. First, you need to be at least 18 years of age
and a United States citizen. Second, you need to have a job or
be able to show that you receive some kind of regular income,
which brings in at least $1000 each month. Third, you must have
a checking account (a few will qualify you with a savings
account) to finalize the transaction. Some companies will
include additional requirements, but these are the most common
prerequisites to obtain a payday advance. If you meet these
conditions, you generally have to fill out the company¡¯s online
form to find out how much you will qualify to receive. They,
like nearly all lending institutions, will gauge the amount you
may borrow by the amount of your income, although, unlike most
lending institutions, these companies are much more lenient in
their lending practices. In general, the majority of the online
payday advance companies do not disqualify you because of bad
credit, bankruptcy history, or prior bad checks. There are no
long lines and no long delays while the company reviews your
application. In addition, this process takes place in the
comfort of your own home or office, not the cold atmosphere of a
bank. Most companies have a relatively simple and quick online
form for you to fill out, and once your loan is approved and you
speak with a
representative, the company deposits cash directly
into your bank account. Make sure you review the website
completely, and read the details. Do you find the fees fair, and
are the terms acceptable? In order to receive a cash advance,
companies require you to have a bank account because when it is
time to pay back the loan, the company will simply deduct the
principle and fees from your account during your next pay period
unless you ask for an extension. Now the fees seem extremely
high for this service unless you do the math on how much it will
cost you not to take the short-term loan. What did you pay for
your last bounced check? Most banks charge between $25-$35, and
often times merchants charge a matching fee. The expense of a
payday loan does not sound nearly as bad once you consider the
bank charges and credit reporting that takes place when you
bounce a check. If your credit card company were going to charge
you a $29 late fee and raise your interest rate, wouldn¡¯t you
be better served to take an advance on your paycheck rather than
take the long-term consequences of higher interest rates? Of
course, there are payday loan companies that are out there to
take advantage of unsuspecting consumers, and that is why you
must do your homework and make sure the fees and terms are
acceptable. Lately, many news articles have criticized the
payday loan industry, yet these same reporters have not
questioned the excessive fees and interest rates charged by
traditional lending institutions. Obviously, it is in the best
interest of banks and credit card companies if consumers
continue to accept their Machiavellian policies (remember
Machiavelli advocated deceit to gain and maintain power).
Non-traditional lending companies challenge this totalitarian
authority and give the working class another option besides
paying outrageous credit card fees, bank fees, and unwarranted
interest rates.
Danielle Peck is the partner and research specialist for
www.skitastic.com, a website that provides information and
resources on cash advance and payday loans. You can visit the
website at: http://www.skitastic.com.
About the author:
Danielle Peck has a Degree in Sociology, and spends much of her
time examining new phenomena in culture. Her main goals in this
pursuit encompass both social and personal change while finding
the link that makes us all human in the twenty-first century.
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Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI. |
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The Student Loans Company Ltd. |
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This page provides content and information related to the Loan Guaranty Home Loan Program. |
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Fool.co.uk - Compare Loans - Personal Loans and Unsecured Loans |
Compare over 200 UK loans including personal loans, secured loans, and unsecured loans. Search all loans and apply online. |
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LendingTree Home Loans | Refinance | Home Equity | Mortgage Refinance |
Service network of lenders that enables consumers to compare rates, apply for and get approval for competitive auto loans online. |
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Direct Loan Home Page |
The US Department of Education's lending arm for students in participating schools and student loan consolidation. |
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Personal, home equity loans for union members at Union Plus |
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Countrywide Financial - Home Loans - Equity Loan Mortgages ... |
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Secured Loans UK - Secured Personal Loans - accepted.co.uk |
We search over 200 secured loan plans to find the best deal from our lenders - accepted.co.uk. |
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UK Loans : Personal Loans, Secured Loans, Cheap Loan Quotes |
The UK Personal Loan Store offers comparisons of the UK loans, personal and secured loans. Also offers tips, articles and latest loan news section. |
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