Credit News

Payday Loan By Phone

#loans by phone

Payday Loan By Phone

When you need cash fast, turn to payday loan by phone to take care of your financial emergency. A payday loan is a loan that is given out specifically to help during a temporary and unexpected money crisis. Applying for a cash advance is easy, just pick up the phone to call a payday loan lender, and you can have a representative complete your application for you. You can get cash in your account within 24 hours.

There are many different ways that a payday loan can be received. You can go to a local cash advance lender in person, fill out the form, and get your loan that way. This option takes time away from your busy lifestyle. Many cash advance loan companies have long lines, so you will be waiting even extra time. You may have to fill out paperwork along with the standard application, as well as turn in copies of your driver’s license, pay stubs, and more.

Online applications are the easiest and fastest way to apply for a payday loan. Simply follow the link at the end of this article, and you will find payday loan companies to choose from. You can also call these companies, but since you are already there at their website, you may as well just enter in the information yourself.

Requirements For A Payday Loan By Phone

A payday loan is given from independent agencies that are not affiliated with banks or the government. Since a payday loan is meant for people who need help quickly, the companies do not typically ask for requirements that are difficult or complicated. The criteria are simple for most: you must be a United States citizen, you must be employed and make a certain amount of money every month, and have an active checking account. You must also be 18 years of age or older.

An online payday loan company will also ask you to give them your bank account details in full, for the account that your paycheck is deposited into. This way, the payday loan by phone or online company can directly debit your checking account when your loan payment comes due, for the amount you borrowed and any applicable fees. This also allows them to deposit your money right into your account, making a payday loan an easy way to get money fast.

Payday Loan Consolidation Lender

#payday loan lender

Residents Tips declared that persons must be very careful when lacking payments on secured loans as it may bring on financial obligation as well as repossessions. You will save a lot Payday loan consolidation lender of your energy. Once you start looking at adverts for these companies, any scenario that appears to be also excellent actually in all probability is.

You should complete the following fundamental particulars.

Financial products for disabled are the way out for organizing ample finances before unexpected emergency with out bugging about being incapable or existing on positive aspects. Payday loan consolidation lender

Rise envisioned from people who will be not used to these types of financial aid.

payday loans lakewood oh

And all the terms and conditions placed on this loan plan are available by looking at your jobless level, so you no longer need to bother about something. With a poor credit status for producing overdue obligations, fails and defaults, Payday loan consolidation lender these plans will need you to make interest charges at elevated premiums. In Payday loan consolidation lender the problem they might apply for the Loans For Young Students With Below-average Credit No Occupation that is turned out to be with out requiring the job evidence.

Payday Loan Best Practices

#best payday loans

Consumer Financial Services Association of America Best Practices

At Speedy Cash / Rapid Cash we hold our Customers in the highest regard and are committed to responsible industry practices as a participating member of the Community Financial Services Association of America (CFSA).

Customer Notice: Payday advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details.

Payday Loan 14-day APR Range: 391.07% – 664.29% APR varies per state regulations. Click Rates and Terms to view the APR in your state. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or “rollover” your loan, your principal balance may not be reduced, depending on the state, and you will owe additional fees and/or interest.

Minimum age to apply in Alabama is 19. Minimum age to apply in Mississippi is 18 for title pawn loans, 21 for other loans.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Finance Lenders Law. Installment Title Loans subject to minimum auto value requirements.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

  • 1997-2015 Speedy Cash. All Rights Reserved.
  • 3527 N Ridge Rd. Wichita, KS 67205
  • 1-888-333-1360

Payday Loans & More

#advance loans

Short-term Financial Solutions For All

Need your paycheck a little early? Get the money you need quickly!

Cover Urgent Expenses with a Little Help From Us.

Emergency expenses always seem to spring up when you are facing cash flow gaps between paychecks. These kinds of financial surprises happen to everyone, and you don’t have to wait until your next paycheck to take care of them. With a short-term financial service, you get paid when you need funds the most. This type of advance brings your paycheck to you a little early to help you cover urgent expenses. You can pay your utility bills, repair your car, or take care of a pressing credit card payment. Whatever your needs, this service can get you the funds you need to get by until your paycheck arrives. Here are some of the benefits of borrowing:

  • Get funds up to $1500
  • Cash deposited directly into your account
  • Automatic withdrawal for repayment. no check writing necessary!
  • Flexible repayment options
  • Easy to qualify
  • Paperless sign up process
  • Terms may vary from lender to lender

How Our Service Works

Getting the relief you need is easy. First, you will sign up with our online form. We will ask some basic questions about your employment, contact, and bank account information. Once you submit the form, we will match you with a trusted lender. Most customers do not have to fax in any supporting documentation. That means the application is paperless and can be completed entirely online. After a representative has contacted you to complete the process, you will receive the money in your bank account usually by the next possible business day. It’s that easy! Check out our pay day loan advance in 4 steps page for more information.

Our request form is completely free. Sign up today and we will match you with a payday loan lender that is best equipped to meet your needs.

What Do You Need to Get a Personal Loan?

#need a loan

What Do You Need to Get a Personal Loan?

Banks aren’t the only place where you can get a personal loan.

Good Credit

In almost every case, you will need good credit to get a personal loan. Whether you choose to go through a bank or a peer-to-peer lending network, having good credit is the only way a lender can determine whether or not you will pay back the loan. Those with poor credit histories have not proven that they can or are willing to pay money back on time, or at all.


Collateral is often required in order to secure a personal loan. Collateral is something you own that has value that, essentially, a lender can take and sell if you can’t pay back the loan. Certificates of deposit, real estate, savings accounts, stocks, jewelry and other items are often used to secure a cash loan. In the case of someone looking to improve or clear up credit issues, often a bank will allow the applicant to put money in a savings account and then give a loan for an amount equal to or less than the amount in the savings account. The bank then automatically deducts payments, and the loan is listed as being paid on time on a credit report.

Proof of Income

When applying for a loan, whether secured or unsecured, the lender will need to see how much money you make. This helps the lender determine if the amount you requested for the loan is a reasonable amount to expect you to be able to pay back each month. You will need to provide your lender with several paycheck stubs, and possibly an income tax return. In some cases, the lender may call your Human Resources Department at your job to verify you work there. If you are self-employed, you may have to supply proof of your income.

Additional Information

You will also need to provide your lender with proof of your residence and proof of your age. No one under the age of 18 will be allowed to borrow money, except from family and friends. You will likely also need to provide your bank account information.

Payday Loan Store

#payday loan store

Payday Loan Store

With a fast and simple search, you can easily find a payday loan store on the Internet that can help you out when you are in need of some quick cash. You can obtain a cash advance in the amount between $100 and $1,000, and maybe even more with some other requirements. Many payday loan stores can process your loan application on the very same day, which will allow you to get the cash you need within 24 hours. Payday loans online are a quick and convenient way to borrow money. All loan applications are processed online, and the funds will be deposited directly into your personal back account.

When you look online for a payday loan store, you should make sure that they post the interest rate, in terms of Annual Percentage Rate (APR), on their website. You will want to be sure that you do not pay back too much for the loan that you take out. It is a good idea to shop around at different payday loan stores before you make a final decision on where you want to obtain a loan. Besides the interest rates, you should check to see if there are any other fees on the loan you want to take out, such as a registration fee or penalty fee for repayment rescheduling.

Payday Loan Terms

Payday loans are a type of short-term loan, having a 2 to 4 week duration before you have to repay the loan. Some payday loan stores might be able to extend the term longer depending on the amount of the loan. The smaller the amount of the loan, the shorter the period will be for repaying the loan. Of course, you have the possibility to extend the period of the loan if you believe that you cannot pay back the loan in a timely manner. There will be some fees that are involved, which are generally calculated on a daily basis.

Benefits Of Payday Loans

More traditional financial institutions that offer short-term loans will often ask for some collateral to make sure that you will be able to pay back the loan in a timely manner. Fortunately, payday loans do not require any collateral in order to obtain the loan. If you receive a regular paycheck from your job, then it is, pretty much, a guarantee you will get quick funds from a payday loan store.

Usually, payday loan stores do not perform credit checks on people that apply for loans, especially if they do their business online. This is great news for individuals that do not have a good history of credit and are in need of quick cash. There are some payday loan stores that do not use Teletrack, and because of this when you apply for a loan, your financial information will not be in the system.

A Payday Store Online Is Always Better

Why would you want to visit your local payday loan store when you can do the entire loan process online. There are a lot of payday loan stores on the Net today, so you can shop around in order to find the best offer to help you get the quick cash you need for whatever you need it for. You should be thorough when doing research on what online payday loan stores to use, especially before you fill out the loan application.

Payday Loan Yes – Harassment, Review 99562

#payday loan yes


I have a loan with payday loan yes. these people have called and called and called me at work after i have asked them not to. They didn t have the right account number after i emailed it to them. Tim atkins called me at work and harassed me would not answer any of my questions and said they were going to start garnishing my wages. I have never met a ruder individual than him. I told him i get paid once a month and thats it no more. He told me i had excuses for everything.

wow! i thought i was the only one who was going through horrible customer service with payday loan yes! has anyone actually gone through with the lawsuit process on them? or even a lawsuit process from them?

i just heard from them this morning and they are not willing to work with me either and they said they will contact my HR department and garnish my paycheck. i did not say anything to them and yet they yelled at me. i talked to 3 rude people. Sophia Fisher. A John Davis (I think that’s his last name) who is the supervisor in collections department and was the rudest person i had ever met. He even said, “this may shock you, but i really don’t care if you make your payment or not. either way, you will pay me.”

I then responded by saying, “first of all, you don’t need to yell at me, second, I said I will pay you in full, but until the 1st of july!”

he said, “I dont care” and continued to yell so i just hung up on him.

I mean as a “professional”, that was very disrespectful, even when I wasnt trying to argue with him.

i will be paying them on july 1st, but will that really close out my account with them?

i regret ever starting an account with them!

Payday Loans- Cash Loans- Small Quick Loans

#small payday loans

Payday Loans

When you are caught up with certain unexpected financial urgencies and can’t wait for your next payday to pay them off, then we at Small Quick Loan have a perfect solution for you in the form of payday loans. Payday loans will enable you to fulfill all your short term financial crunches in the most convenient manner by offering your desired cash assistance in no time. Simply apply with Small Quick Loan and find deal of your choice right away!

Payday loans are short term loans that offer you quick cash aid of up to $1500 with a flexible repayment period of 2-4 weeks. Whether you have to pay for credit card dues, car repairs, bank overdrafts, pending household dues, monthly installments, house rentals or have to pay for any other miscellaneous expenses, payday loans is the loan option you can opt for! Noe no need to spare any second thought! Apply withВ  Small Quick Loan and put an end to all your cash related troubles even before you know it!

Arrears, defaults, late pays, low credit scores, missed pays, or insolvency will not be an obstruction in obtaining payday loans anymore as we are not concerned about your credit history. We don’t even conduct any credit check on our applicants. So be at ease and apply withВ  Small Quick Loan now!

Apply with us by simply filling our simple online application form and get our hassle free services today! Act now! Apply with Small Quick Loan without delay!

Payday Loans Bad Credit

#payday loans for bad credit

Payday Loans Bad Credit

If you have bad credit and are in need of some cash, then a payday loan may be one of your options. A short term loan comes with high fees and the potential to trap you in a cycle of debt, so you need to consider whether a loan like this is right for you. If you do have bad credit you may still be able to get a payday or short term loan.

Credit Checks

By law every loan provider must carry out reasonable enquiries into your ability to pay back a loan. This usually includes a credit check as well as a number of other criteria such as your income and other expenses. This type of information is gathered from your payslips and bank statements. A lender may request more information from you in order to make a decision.

Whilst short term lenders perform credit checks it is common that they do not place as much emphasis on your credit history as a bank would. Because a payday loan is a short term loan, (also referred to as a cash advance), it is expected to be paid back within a shorter period – not years. If a lender feels that your income and liabilities mean that you can afford to repay a short term loan within a specified period, then you may be approved even if you have bad credit from previous defaults.

Can I Get A Loan With Bad Credit?

It depends how bad, but again, if you have been refused by a bank, this doesn’t mean that you will be refused by a payday loan company. As described above they can be willing to lend money to people with bad credit. Be completely honest with your application – responsible lending guidelines are in place to protect you so that you are only provided with credit that you can afford to repay. And as the lender does their due diligence investigations they will invariably ask for supporting evidence of all your claims of income and expenses.

Don’t assume payday lenders just automatically lend to everyone who wants money – they don’t. They are required by law to lend responsibly.

Can I Get A Payday Loan On Centrelink?

Most lenders will not lend money to people who have Centrelink as their primary income source. For those lenders who do lend to those on Centrelink, there are some very strict requirements on how much can be loaned and how much the repayments are compared with the Centrelink payments.

Some lenders won’t lend to people who are unemployed and only get Centrelink benefits, but if you are employed and also on Centrelink, some lenders will count this Centrelink income towards your total income.

This also changes according to what Centrelink benefit you are receiving. Secure and permanent payments are usually accepted, such as a pension or disability payment, but again this depends on the lender.

To see more information about some of the short term lending products in the market you can see the Payday Loans Page .

Payday Loans Edmonton Canada- Instant Payday Loans- Bad Credit OK

#payday loans for bad credit

Welcome to Payday Loans Edmonton Canada

Cash crunches ahead of payday can be easily taken care of by the services at Payday Loans Edmonton Canada. We are Canada based website where we specialise in helping you find the loan that best meets your requirement for easy and hassle free cash assistance. We are associated with a number of online loan lenders so that you can easily get hold of the loan that best meets your needs. Tell us your needs and get the cash you need within hours of applying. В В В В В В В В В

Bad credit loans Edmonton has been arranged specially for those who are tagged with unfavourable credit rating. You will need to confirm that you are employed and hold an active bank account that accepts direct deposit to qualify for these loans. Besides, you will also need to confirm that your monthly income is not less than C$1,000 and you are above 18 years of age. В В В В В

Any car owner residing in Edmonton willing to pledge the title of their car can apply for title loans Edmonton and get the additional monetary assistance they need. These are small loans that can be applied whenever you are in need of additional monetary assistance. Once you have received the approved cash, you can freely spend it for any purpose without any obligation. В В В

Short term loans Edmonton can be applied by any Canadian citizen residing in Edmonton and in need of monetary assistance to overcome all sort of unplanned expenditures. You will neither have to pledge any collateral nor fax any documents when applying for these loans. Devoid of these formalities it will be easy for you to get the cash you need within hours of applying.

To apply for a loan at Payday Loans Edmonton Canada you will need to fill in a short online application with the required details and submit it. The form is free, secure and easy to understand. Make sure that you provide complete and correct details in the form. We will process it and get back to you with a quick response in no time. Through us you can rest assured to lay hands on the most feasible loan deal that best meets your needs as well as repayment ability. Apply now! В