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Online Payday Loans, Get Cash Now, i need a loan now.#I #need #a #loan #now


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At Cash Now online payday loans are available to customers at the click of a mouse. Whether there is an emergency situation or you just need some extra cash now and cannot wait until your next payday, an online payday loan can be a good solution for you. Signing up and requesting to be connected with an online payday lender is fast, easy and painless. Getting approved typically happens in less than 10 minutes, allowing you to withdraw your cash from your checking account as soon as the next business day.

We can connect you with a lender even if your have bad credit so customers with bad credit are welcome to submit a loan request. Cash Now is the premier provider of online payday loans to US residents.

Real Cash Now Customers

I need a loan nowEarlier this year I faced some financial trouble and needed some cash. There was no way I could wait until my next payday check and Cash Now was there for my online payday loan. Thank You Cash Now!!

Sandra W North Carolina

I need a loan nowAfter visiting several online payday loan websites, I finally found Cash Now. The payday loan request was so simple and easy! I received $500 in my checking account the exact same day.

George A Maryland

APR – Representative Range Explanation

The annual percentage rate (APR) is the annualized interest rate that you are charged on a cash loan. Cash Now does not function as a lender and does not provide cash loans to consumers, but it does refer people to skilled lenders who may provide such loans. Cash Now never charges any fees for this service. Since it is not a lender, Cash Now cannot supply you with the specific APR that your lender will attach to your loan. Understand that APRs can vary based on the information that you supply in your cash loan request, as well as the information that your lender supplies to you.

Your lender will give information on the APR, finance charges and other applicable loan terms to you at the point when you get redirected to your loan agreement during the loan request process. If you require assistance with Cash Now–related services of any sort, you may contact us at [email protected]

A cash loan’s APR can range from 240 percent to 2,340 percent, with the specific figure depending on how the rate is calculated and additional variables such as the duration of the loan, any fees that are incurred (late fees, nonpayment, etc.), and loan renewal specifics. Be aware of the fact that the APR range is different from your finance charge. Your lender will disclose the finance charge later on in the loan request process.

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YOU CAN BORROW $500 FOR 14 DAYS WITH A $40-$80 LENDER CHARGE. YOUR ESTIMATED APR WILL BE BETWEEN 208 AND 417 PERCENT.*

*Calculation: (lender fee / loan amount) x (amount of days in a year / duration of the loan) x 100 Low End Calculation: ($40 / $500) * (365 days / 14 days) x 100 = 208.57 percent High End Calculation: ($80 / $500) * (365 days / 14 days) x 100 = 417.14 percent

Important Implications to Consider

Here at Cash Now, we only work with lenders who make it a standard practice to supply customers with complete, detailed information on loan terms and conditions prior to those customers’ accepting a specific loan offer. It is advisable for you to always closely and carefully examine the terms of any loan offer that you receive. If you would like to see further details regarding the aforementioned considerations, see our Rates Fees section on this website.

Financial implications (Interest and finance charges)

Should you receive approval for a cash loan, your lender will let you know about the specific interest rate and fees that are attached to the loan before you proceed with formally accepting their offer. As previously noted, Cash Now is not a lender, and because of this, it cannot predict the interest and fees that will be part of your loan offer. Please keep in mind that under no circumstances whatsoever are you ever obligated to accept any offer that you may receive.

Implications of non-payment

When you accept a particular loan offer’s terms and conditions, you are formally agreeing to pay back the loan principal amount and finance charges in the period of time specified in your loan documents. Additional charges may apply if you are not able to pay back your loan completely or if you make a payment that is late. Cash Now is unable to predict the fees or charges that you will incur due to partial payment, nonpayment or late payment. Furthermore, Cash Now has no control at all over knowledge of the loan details between your lender and you.

Be sure to refer to the late payment, partial payment and nonpayment policies you will find detailed in the loan documents that come from your lender. Cash Now’s strict policy is to only partner with trustworthy and reputable lenders who pursue collections of delinquent accounts in a completely fair and reasonable manner.

Potential impact to credit score

Here at Cash Now, it is our policy to never get involved with making credit decisions or perform credit inquiries on potential borrowers. Some of our associated lenders, however, may choose to perform a nontraditional credit inquiry so they can determine if you are eligible for loan assistance. Typically, these lenders will not perform a credit check with any of the large U.S. credit reporting agencies (Equifax, Experian and TransUnion).

Be aware that in the end, there is a chance that your credit score could be impacted by the actions of a particular lender. Should you fail to repay your loan on or before the specified due date, the lender may decide to report the delinquency to one or more of the aforementioned credit reporting agencies, possibly leading to your credit score being adversely affected. We encourage consumers with credit problems to contact a skilled credit counselor.

Collection Practices

Once again, Cash Now is not a lender, nor does it engage in debt collection activities. You will find in your lender’s loan documents information regarding their debt collection practices. Should you find that you are unsure of the collection practices that a particular lender uses, we advise you to discuss the matter with that lender. Cash Now only works with reputable lenders who are committed to pursuing collections of delinquent accounts in a fair, reasonable way.

LOAN RENEWAL POLICIES

Before you accept a loan offer, the lender will offer you loan renewal options. Make sure you carefully examine their renewal policy prior to signing any loan documents. Please be aware that, to a great extent, state regulations govern renewal policies.

The intention is for cash loans to be used only as a short-term financial instrument. At Cash Now, we strongly advise all borrowers to pay back their loan in full and on or before the due date in order to avoid nonpayment and/or late fees. If you are of the belief that you may have trouble paying off a cash loan after borrowing it, we recommend that you explore different loan alternatives before you apply for a loan via this website.

Consumer Notice: Personal loans are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use CashNow.com’s services.

Legal Disclaimer: THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, they do not broker loans and they do not make any short term cash loans or make any credit decisions. CashNow.com simply helps borrowers find lenders for personal loans. CashNow.com’s Terms of Use and the CashNow.com Privacy Policy apply to the use of this website and its services. This website does not constitute an offer or solicitation to lend. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. We provide a service only and are not acting as a representative, agent, or correspondent for any service provider or lender. Our aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. Our company does not endorse any particular service provider, lender, nor loan product. Please note that some lenders may perform credit checks as part of their credit transaction approval process. You are under no obligation to use our website or service to initiate contact, nor apply for credit or any loan product with any service provider or lender.

Availability: Residents of some states may not be eligible for a short term cash loan based upon lender requirements. Our company does not guarantee that completing an inquiry form will result in you being connected with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.


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Cash Advance Loans.

Cash Now Perth offers fast, secure and discreet cash advance or Cash Loans to clients in All States of Australia. Cash Advance or Cash Loans, is a cash loan that helps clients to access the much needed cash fast.

Cash Loans

As one of the Leading name in Fast Cash Industry, we do understand that clients may require the much needed Cash fast.Getting a cash loan from us is fast and simple. Loans application will be processed on the same day.

Why Us:

  • Application process is quick, simple and secure.
  • Apply 24/7. 365 days a Year

Cash Advance from $100 – $1,000

We provide Cash advance or Cash Loans without the need of complex documentation.

Many working Australians frequently face Cash shortage towards the end of the month or before their next pay date. Some of us have limited means to obtain the needed cash in a hurry.

Cash Now Perth offers Fast and Secure Cash advances to assist you in your short term financial needs.

If you think that short term Cash Advance meets your immediate needs, you can Apply Now

Criteria For Cash Advance Loans:

  • You must be employed.
  • You must be living in the same address for at least 3 months.
  • You have a current bank account with 3 months Bank statements.
  • You have 100 Points of IDs .

Costs of your loan:

In Cash Now Perth, we are committed to provide affordable, secure, and fast Cash advance to our clients.

Our Costs and Fees structure is simple and clear.

We have NO Application Fee

We have No Hidden Costs

Establishment Fee : 20% of Principal Amount

Service Fee: 4% of Principal Amount Per Month

For example: For a $300 loan, the costs of the loan will be:-

Establishment Fee : 20% of Principal Amount= $60.00

Service Fee: 4% of Principal Amount Per Month= $12.00 (Per month)

Based on 63 days term, your total cost will be $96.00 and total amount payable will be $396.00

The loan can be paid:

  1. Weekly if you are weekly paid.
  2. Fortnightly if you are paid fortnightly.
  3. Monthly if you are paid monthly.

The above example does not include the extra monthly or dishonour fees if you extend or default on your loan repayment.

Direct debit Fee: No fee payable to us.

Clients will pay direct to Direct Debit Provider-We will not seek to profit from services charged by Third Party.

We do believe client will always honour their loan obligation and pay their loan on time.

But on some occasion, we do need to charge dishonour or Late fee if client default on their loan.

Dishonour Fee : $25 per $100 per instance

Late Fee : $25 per $100 per instance

Weekly Loan Service Fee when Loan is in Default: $10.00

  • Due to the short term nature, cash loans (microloans) have a much higher effective interest rate than you may have seen in other types of loans.

The effective interest rate is a measure of the total loan cost if you were to take the loan out over one year and expressed as a percentage (Annual Percentage Rate, or APR).

As our loans are for short-term assistance the actual interest rate is not this high.

  • Annual Percentage Rate (APR) for a $300 for 90 days = 164.83%.
  • WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit fees and charges apply.
  • Loan Terms

    • The maximum loan amount for Australian residents is $1,000.
    • Loan terms: Minimum 17 days and Maximum 31 days.
    • You have the right to cancel your loan within 24 hours of signing your loan contracts by contacting us on 1300 022 746.

    Renewal Policy

    As a responsible lender, Cash Now Perth does not allow refinance of each original loan. Generally, we would not accept you having take up more than two loans within a 3 months period.

    Implications of Late Payment

    You will be considered late for payment, if we received your payment after the due date as stated on your contract. In such case, you may be charged an NSF fee of $25 per $100, and you may incur extra interest and bank charges for overdrafts. It is best to ensure sufficient funds in your bank account on your payment due date so as to avoid late fees.

    Implications of Non-Payment

    If you are unable to repay your loan on the due date, you must contact us immediately to set up payment arrangements. If your loan payment is rejected for any reason by your bank, and if we are unable to contact you or set up payment arrangement for you to clear off your debt, we may initiate Legal debt collection procedures after 90 days.

    About Us:

    Cash Now Perth has been proudly serving Australian for the past 10 years and is now one of the top names in the advance cash solutions sector.

    We offer quick cash services on a national level ensuring that clients from all over the country have easy access to cash whenever they need it most.


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    Bad Credit Loans

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    Click Get Started Now! button and fill in the secure online form. Easy and Fast, No hassle! No paperwork, No faxing can t be guaranteed!

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    If approved, funds may be deposited by the lender the same day or the next business day! Quick, Easy and Confidential!

    Testimonials

    12 Months Loans demonstrate warm friendly excellent customer service. They treat their customers as close friends and definitely diminish any anxiety about having to get a Bad credit loan . Recommend them highly to anyone in need of a short term loan. Thanks!

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    I love your website 12 Months Loans ! Your fees are very low and reasonable and it s very easy to repay the loan! You are so transparent. I love it! I got my loan direct from the lender in 1 hour! Many many thanks!

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    I was really surprised with the easy application process and the fast financial aid I’ve got. Being extremely pressed on time in my emergency, I appreciated greatly getting the funds same day, even I m with bad credit. Many thanks to 12 Months Loans

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    PAYDAY LOANS BAD CREDIT NO CHECKS!

    Our life is unpredictable and it can change suddenly due to an incident that comes without warning. As a result, we may need extra cash to meet sudden demands. These unexpected events cause a lot of stress and pressure, as they should be handled very quickly. Quite often, we can solve our financial problems normally with the money saved in our checking or savings bank accounts. But in some cases it is impossible to find the money on time. Here the fast payday loans come into play!

    Fast cash in seconds

    Usually these easy loans are offered for emergency needs, so it is very easy to acquire these finances because you may be approved in fifteen minutes. Yes, it is true. With payday loans same day payout, you may get your funds within a few hours. After submitting your online application, you will get the funds direct to your bank account and solve the emergency problem.

    Easy borrowing

    The application process involves providing confidential information (such as your name, address, employment history, contact number, etc.). Besides being 18 years old you must have a decent monthly salary so that your direct lender can count on you for the timely disbursement of funds. Of course, to receive funds from the loan company, you must have a checking or saving bank account that is used to accept funds. Later the same account will be used to withdraw the loan amount. Thus, a verified bank account is a necessity if you want to get the payday loans without vising the direct lender personally.

    Applying for payday loans you can get $100, $300, $500 or even $1,000 dollars. But, if we look at traditional loans, they are too complex to deal with. For example, it requires a lot of time to complete applications for these loans. You must wait for weeks to get approved and provide more than just basic information. Thus, payday loans low fees are more beneficial in every way.

    Direct loans lenders that help!

    The interest rate is something that can be compared as you try to find a better direct loan lender. Many online lenders offer lower than average rates of facing a competitive market. The good thing about finding a reliable direct lender is that once you found one, getting quick cash for a financial emergency will be even easier and faster. So take the time to find the best payday lender. Actually, it may be useful to make a list when you have free time and before you are in the middle of financial crisis. Just to be safe! Take the time to find several loan companies. There are plenty of offers like guaranteed approval payday loans or no credit check loans! You should be very careful selecting them. The truth is that no-one can guarantee your approval and credit check will be performed by the lender even if the emergency occurs.

    If you can not repay your loan on time, you should be prepared to pay extra interest. There may be some type of service fees for extending or rolling over a loan, but it always depends on the lender and you need to discuss this aspect in advance. Your interest charge definitely should not change. From term to term, your short term loan should continue to be treated the same, unless you are told in advance. Extra fees are an easy way to an unethical lender to prey on a borrower’s inability to repay the loan as scheduled.

    Do not overpay for payday loans

    The best payday loans offered to anyone needing quick cash would come from a lender that does not charge excessive fees. With a little time spent digging into the payday lending market, you will be able to find one that takes the extra cost down. These lenders understand that customers are going through a difficult time and they act accordingly. Do your homework to avoid spending money you do not have to spare and avoid those who try to take advantage of your situation.

    The most common fee for payday loans is interest or service charges. Because these loans have an average of two weeks in duration, there is no time intended to earn interest. And lenders will charge a fee for the loan to earn profit. The use of third-party funding is not free so do not be alarmed to see the extra cost, it is normal. A good lender would not charge other fees if the money is paid on the agreed due date. There are companies that try to hide application fees in the processing your request. They may charge an average of $ 20-30 from the bank account of each candidate with or without approval status. It can be avoided by looking for a “free application” message on their website or calling and asking questions about fees for applications. Sending a loan application must be free and response must be guaranteed, so if it is not, you should choose another loan provider without hesitation.


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    Ken Porter Auction

    Bi-Monthly Consignment Auction Vehicles, Heavy Duty Trucks, Construction Equipment, machinery, Surplus Items & Equipment Inspection Thurs. & Friday November 16th & November 17th 9am to 5pm Day of sale from 7am auction starts at 9am!


    3000 Loan No Credit Check- Loans For Bad Credit- I Need 3000 Today, i need a loan today.#I #need #a #loan #today


    Welcome to 3000 Loan

    We welcome you at 3000 Loan! If loan amount up to ВЈ3,000 is what you need then you are at the right place. With us you can apply for our loan services to deal with any urgent expenditure. Tell us your needs and we will arrange the best loan deal through any reliable lender of your choice!

    I need a loan today

    I need ВЈ3000 today will enable you to raise an amount up to ВЈ3,000 on the same day of applying. No collateral, no documentation and no credit checks are a few benefits associated with these loans that makes it possible to get these loans in a day. At 3000 Loan you are free to apply for these loans for any purpose.

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    3000 loan no credit check are short term loans. At 3000 Loan you need not have to get involved in any credit checks when applying for these loans. Absence of credit check makes these loans ideal for those who do not have a favourable credit score.

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    If your credit score is not favourable then apply for 3000 loans bad credit. IVAs, CCJs, bankruptcy, default or any other bad credit record will never hold you from qualifying for these loans. You can qualify for an amount up to ВЈ3000 upon approval against these loans at 3000 Loan.

    Apply with us at 3000 Loan and you will not have to look elsewhere!

    Please note that payday loans are meant to be used for short term financial emergencies and are not designed to provide long term solutions

    The operator of this website is not a lender and does not make credit decisions. The information you provide will be used in securing you a payday loan with one of our carefully selected panel of leading Payday Loan Lenders in UK. The personal, financial and employment information that we collect is stored electronically during the duration of the application and is removed from our system upon acceptance from the lender.

    PLEASE READ TERMS & CONDITIONS OF LENDERS OR BROKERS BEFORE PAYING ANY UPFRONT FEES

    We expect you to repay your loan on the date agreed, so if you do not think you are in a position to make your repayment, please do not apply with us in the first place. It is not worth risking your credit rating for such a small amount.


    Need an unsecured, personal loan in Nigeria? Start here, Money, i need a loan.#I #need #a #loan


    Need an unsecured, personal loan in Nigeria? Start here.

    January is notorious for being a financially difficult month (except for those in the business of education). The christmas festivities, the loooong wait until the end of the month for salary payments and for parents, the demand for school fees at the beginning of the month make January a difficult one financially for a lot of people. Luckily, for salaried and self-employed workers, there are financial organisations whose job it is to lend a helping hand in these difficult times with no request for collateral, and I have compiled a list of some these. While most of these organisations cater for Lagos-based workers, there are some who will accept workers from other parts of the country.

    When borrowing money, there are a few rules to follow to avoid getting into unmanageable debt:

    • Budget. Base your borrowing on what you can comfortably afford to repay each month.
    • Borrow as little as possible.
    • Borrow for as short a term as possible. While it can be tempting for longer terms on loan repayments, it is important to note that ultimately, these cost more in the long term. Borrow N200,000 over a 3 month period and you ll have to repay ‎₦239,147 (‎₦79,715 monthly). The same amount over a 12 month period will cost ‎₦343,650 (‎₦28,637 monthly) 170% of the original loan amount, and a difference of ‎₦104,503!

    It is always good idea to check with lenders that they allow early repayments, and also to confirm their terms for doing so. Some lenders might charge you more to repay the balance on your loan early, especially if you are close to the end of the loan term, therefore it is important to check from the onset.

    Renmoney is a consumer finance organisation which operates from 89 Awolowo road, Ikoyi, Lagos. They offer cash loans to Lagos-based salaried workers in (proof required) for variable payment terms as little as 3 months.They operate a very simple website which allows you calculate your repayments against your desired loan amount and payment terms. They promise to pay within 24 hours of verifying documents, as long as the applicant is in a regular job and can provide proof of income.

    I need a loan

    Eligibility Requirements

    • Be between ages 22 – 55 years.
    • 1 Passport photograph
    • Utility bill
    • Live and/or work in any part of Lagos.
    • Have a secure job paying at least ₦50,000 monthly, into a bank account.
    • Must have a verifiable place/terms of employment.
    • Have a functional current account with a BVN number. You will be asked for a 6 month history of bank statements.
    • Have valid means of identification – International Passport, Driver’s License, National ID Card.

    You will find a full list of requirements here.

    How To Apply

    • There are three ways:
      • 1. Go to the Apply now section of the website
      • 2. Call their contact center lines 0700RENMONEY (0700 73666639)
      • 3. Visit the closest RenMoney branch to you

    Office Address and Contact details

    Head Office: 89, Awolowo Road, Ikoyi, Lagos, Nigeria.

    Surlier: Adeniran Ogunsanya Street, Surulere.

    Opebi: Pentagon Plaza, 23 Opebi road, Ikeja.

    Lagos Island 50 52, Broad Street, Lagos in CSS Bookshop HouseApapa: No. 13, Park Lane, Apapa.

    Direct Bridge is a consumer finance company operating in Nigeria and focusing on short-term consumer loans between ₦50,000 and ₦500,000 (depending on income) to low to middle class income earners. Loan terms are variable, between 3 and 9 months.

    • Must be in employment (paid or self-employed).
    • Must maintain a bank account not less than six months old.
    • Must have a verifiable monthly income
    • Must possess a valid means of identification
    • You must work and reside in Lagos
    • You must not have a history of returned cheques in your account

    Salaried workers will need:

    • Valid means of identification (International Passport, Driver s Licenseor National ID)
    • 1 passport photograph
    • Bank statement endorsed by your bank (6 months preceding date of application)
    • A signed direct debit mandate.
    • Your pension statement.
    • Tax id

    If you re self-employed,

    • Valid means of Identification (International Passport, Driver s License or National ID)
    • Certificate of Business Registration.
    • 1 passport photograph
    • Business Bank statement endorsed by your bank (6 months preceding date of application)
    • A signed Direct Debit mandate or Post Dated Cheques on business account
    • Tax details
    • A guarantor must be a banker. The guarantor will provide the following:
    • Last 3 months statement of account
    • Work ID
    • Passport photograph
    • A duly completed Guarantor Form
    • Post-dated cheques for the duration

    You will need to fill out an application form, (downloadable here) and take to their office with the supporting documents from the list above. If approved, they promise to credit your account within 24 hours.

    703C Thomas Adeboye Drive Off Somide Odujinrin Avenue

    Phone: 07064300703, 01-3424798

    Salary Advance NG is a product of the Addosser Microfinance bank, which provides funding solutions designed to bridge the funding gap for Lagos-based, full-time employees for personal needs. They are able to provide between ‎₦100,000 and ‎₦2,000,000 to customers for up to 12 months. Their easy-to-navigate website helps customers calculate loan repayment options against varying periods and amounts, to access affordability before even speaking to anyone on the phone. This provider requires a guarantor, who is required to be a work colleague with an income bracket above that of the applicant.

    • Live and be employed in Lagos State
    • Be a confirmed staff of a reputable company
    • Have a verified monthly income paid into a current account with a commercial Bank in Nigeria
    • Not have a history of returned cheques in your statement of account

    Applicants will require the following documents:

    • Most recent bank statement showing last 6 months salary payments (must be stamped/endorsed by the bank)
    • Copy of your employment confirmation letter or recent promotion/salary increase letter
    • NUBAN-compliant postdated cheques from salary account
    • 1 x Recent Passport photograph
    • Photocopy of your staff ID card
    • Completed guarantor’s form
    • Guarantor’s Passport Photograph, post-dated cheque (not required for loans under N250,000) and Photocopy of staff ID card

    You will need to print and fill out this form, attach the supporting documents take to the one of their offices.


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    Our personal loans provide the help you need*

    Unexpected Expenses

    From medical bills to auto repairs…when unexpected expenses arise, we make it easy to get the cash you need, when you need it.

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    Financial needs are constantly changing just like the seasons. That s why we offer personal loans for all reasons and seasons!

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    Life is full of surprises—good and bad—that you’re not always financially prepared to handle. At 1 st Franklin Financial, we understand that sometimes you just need a little help. That’s why we provide short-term personal loans in amounts as low as $300 with terms to fit any budget.

    Unlike the fluctuating terms of credit cards and the exorbitant rates of payday lenders, 1 st Franklin Financial provides personal loans that have a fixed interest rate throughout the life of the loan. No surprises. We can help even if you have less than perfect credit.

    *Approval and actual loan terms depend on your ability to meet our credit criteria (including annual income, debt ratios, and credit report and history) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. For example, a customer with a good credit history and minimum gross income requirements may qualify for a loan with an APR of 21.99%. Maximum APR’s vary by state. 1st Franklin Financial Corporation, NMLSR #141654, Georgia Residential Mortgage Licensee #5656, Licensed by the Mississippi Department of Banking and Consumer Finance.

    Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral.

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    Welcome to Solution Loans

    For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems. As a broker our aim is to help you identify the right product or service for your needs. We only partner with reputable companies and are constantly adding to our range of finance solutions. Using our service means you’ll get more choice and the same great deals as going direct, in most cases. Best of all our credit broking service is free § .

    FCA Licenced Credit Broker – We are not a lender.

    Borrow £1000 to £25,000 at some of the lowest rates for years. Repay over 1 to 10 years. Tenants & Homeowners welcome.

    I need a loan now

    Personal Loans

    An unsecured personal loan of up to 25,000 for any purpose. For bad credit options look below

    Have you struggled to get a loan or credit? Is your credit history less then perfect? Then a guarantor loan may be able to help you. It’s designed with you in mind.

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    Guarantor Loans

    An unsecured loan that caters for problem credit histories. Borrow up to 15,000

    We have access to a range of credit products that do not need you to have perfect credit. Discover how credit scoring works and how you can improve your score for the future.

    I need a loan now

    Bad Credit Loans

    Even if you have a bad credit history and your credit score is poor there may still be options

    A loan secured on your house means you could borrow considerably more and at a lower rate. It’s a way to fund large purchases & home improvements or possibly consolidate existing debt.

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    Secured Loans

    If you own your home then a secured loan could give you advantages over a personal loan

    We work with the most trusted UK companies to get you up to £2500 (subject to affordability) repayable over 14 to 110 weeks. No bank account required. A doorstep service using friendly agents.

    I need a loan now

    Doorstep Loans

    Small cash loans that could be useful if you like personal service or don t have a bank account

    Payday loans are one form of short term cash loan. But we have other cash loan solutions too that you might wish to consider. Borrow up to £2000 for up to 2 years.

    I need a loan now

    Payday Loans

    Small cash loans of up to 1000 for very short term periods only. A number of alternatives exist

    Estimate your loan repayments

    Solution Loans is no ordinary broker!

    We are a no-fee § online credit broker. You may have arrived knowing precisely what loan type you want. Or perhaps you know what sum of money you need, but don’t know what borrowing options exist. So, we’ve tried to design our website to include numerous loan types and also provide the information and tools to help you narrow down your options. What we don’t do is run a call centre and we don’t give advice. But rest assured that everything that we do is based around treating the customer fairly.

    Our mix of products is extensive. We have numerous options when you have a poor credit history. If you need a small cash sum quickly then we have access to payday loans, instalment loans and doorstep loans. If you have an asset you could use as collateral you could consider a secured loan/homeowner loan or a logbook loan. If you plan to change your car then consider car finance options. Or if all you need is an unsecured loan over a number of years then what about a personal loan, or a guarantor loan if you have had credit problems?

    Use our guides, videos and tools to help you narrow down your options and then apply for what you need through our enquiry forms or via links to our partners. We hope you find our service simple and effective, but if you have any questions simply contact us online.

    One-Stop Finance Shop

    I need a loan now

    Apply for your loan

    If you own your home (with a mortgage) and need to borrow a significant sum then a secured homeowner loan may suit you.


    Cash Now Perth, Payday loan, cash advance, i need a loan now.#I #need #a #loan #now


    Cash Advance Loans.

    Cash Now Perth offers fast, secure and discreet cash advance or Cash Loans to clients in All States of Australia. Cash Advance or Cash Loans, is a cash loan that helps clients to access the much needed cash fast.

    Cash Loans

    As one of the Leading name in Fast Cash Industry, we do understand that clients may require the much needed Cash fast.Getting a cash loan from us is fast and simple. Loans application will be processed on the same day.

    Why Us:

    • Application process is quick, simple and secure.
    • Apply 24/7. 365 days a Year

    Cash Advance from $100 – $1,000

    We provide Cash advance or Cash Loans without the need of complex documentation.

    Many working Australians frequently face Cash shortage towards the end of the month or before their next pay date. Some of us have limited means to obtain the needed cash in a hurry.

    Cash Now Perth offers Fast and Secure Cash advances to assist you in your short term financial needs.

    If you think that short term Cash Advance meets your immediate needs, you can Apply Now

    Criteria For Cash Advance Loans:

    • You must be employed.
    • You must be living in the same address for at least 3 months.
    • You have a current bank account with 3 months Bank statements.
    • You have 100 Points of IDs .

    Costs of your loan:

    In Cash Now Perth, we are committed to provide affordable, secure, and fast Cash advance to our clients.

    Our Costs and Fees structure is simple and clear.

    We have NO Application Fee

    We have No Hidden Costs

    Establishment Fee : 20% of Principal Amount

    Service Fee: 4% of Principal Amount Per Month

    For example: For a $300 loan, the costs of the loan will be:-

    Establishment Fee : 20% of Principal Amount= $60.00

    Service Fee: 4% of Principal Amount Per Month= $12.00 (Per month)

    Based on 63 days term, your total cost will be $96.00 and total amount payable will be $396.00

    The loan can be paid:

    1. Weekly if you are weekly paid.
    2. Fortnightly if you are paid fortnightly.
    3. Monthly if you are paid monthly.

    The above example does not include the extra monthly or dishonour fees if you extend or default on your loan repayment.

    Direct debit Fee: No fee payable to us.

    Clients will pay direct to Direct Debit Provider-We will not seek to profit from services charged by Third Party.

    We do believe client will always honour their loan obligation and pay their loan on time.

    But on some occasion, we do need to charge dishonour or Late fee if client default on their loan.

    Dishonour Fee : $25 per $100 per instance

    Late Fee : $25 per $100 per instance

    Weekly Loan Service Fee when Loan is in Default: $10.00

    • Due to the short term nature, cash loans (microloans) have a much higher effective interest rate than you may have seen in other types of loans.

    The effective interest rate is a measure of the total loan cost if you were to take the loan out over one year and expressed as a percentage (Annual Percentage Rate, or APR).

    As our loans are for short-term assistance the actual interest rate is not this high.

  • Annual Percentage Rate (APR) for a $300 for 90 days = 164.83%.
  • WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit fees and charges apply.
  • Loan Terms

    • The maximum loan amount for Australian residents is $1,000.
    • Loan terms: Minimum 17 days and Maximum 31 days.
    • You have the right to cancel your loan within 24 hours of signing your loan contracts by contacting us on 1300 022 746.

    Renewal Policy

    As a responsible lender, Cash Now Perth does not allow refinance of each original loan. Generally, we would not accept you having take up more than two loans within a 3 months period.

    Implications of Late Payment

    You will be considered late for payment, if we received your payment after the due date as stated on your contract. In such case, you may be charged an NSF fee of $25 per $100, and you may incur extra interest and bank charges for overdrafts. It is best to ensure sufficient funds in your bank account on your payment due date so as to avoid late fees.

    Implications of Non-Payment

    If you are unable to repay your loan on the due date, you must contact us immediately to set up payment arrangements. If your loan payment is rejected for any reason by your bank, and if we are unable to contact you or set up payment arrangement for you to clear off your debt, we may initiate Legal debt collection procedures after 90 days.

    About Us:

    Cash Now Perth has been proudly serving Australian for the past 10 years and is now one of the top names in the advance cash solutions sector.

    We offer quick cash services on a national level ensuring that clients from all over the country have easy access to cash whenever they need it most.


    Buying a New Car When You Have Bad Credit, i need a loan but i have bad credit.#I #need #a #loan #but #i #have #bad #credit


    Buying a New Car When You Have Bad Credit

    Tips for Subprime Car Buyers

    04/25/2014 (updated 01/20/2015) – By Ronald Montoya

    Let’s say you’ve made a few late payments on your bills. Perhaps you have a maxed-out credit card. Or maybe you bought more car than you actually needed and couldn’t keep up with the payments. Hey, it happens. But now it’s time to buy another car and you have serious doubts as to whether you’ll get approved for a loan.

    A few years ago, we tested the theory of buying a debt-free car as an alternative to buying at a used-car lot or a “buy here, pay here” dealership. We concluded that for some, the maintenance and repairs may prove too much for people to handle.

    Buying a new car outright won’t reestablish your credit. You’ll need to take out a loan for that. But what options do you have? The “buy here, pay here” dealerships might be one alternative, but not all of them report your payment progress to the credit bureaus. Plus, you’re still buying a used car that may require repairs. Is a new car out of the question? Not necessarily.

    It is possible to buy a new car with bad credit if you know where to look and how to prepare. Here’s how this kind of car buying works and what to keep in mind throughout the process.

    Why Would a Dealership Finance Your Car?

    How can you buy a brand-new car when you have a spotty credit history? There are a number of reasons why a lender would let someone with a troubled credit history finance a new car.

    From the lender’s perspective, a new car has more value and therefore offers more collateral that can be reclaimed if the buyer fails to make payments. The lender also has the assurance that a new-car buyer will actually keep up with payments. His money won’t be diverted to the costly repairs that sometimes befall older cars.

    From the dealership perspective, a new car is an investment in a relationship that will pay off in other ways later on.

    “Half the time, we’re not making any money on the deals,” says Rinaldi Halim, general manager for Nissan of Duarte, a dealership in Southern California that says it’s proud of the fact it takes on clients in all credit tiers. “We want to have a relationship with that customer,” Halim says.

    One new-car sale won’t yield much (if any) profit, Halim says. But it will pay dividends when customers refer their family and friends, resulting in more car sales, including some that will be profitable for the dealership. The sales also pay off when people get their vehicles serviced in the maintenance department. Years later, the initial customers will likely trade in those “no-profit” cars for new ones. The dealership will sell the initial cars as used ones. And if they’ve been well maintained, they will turn a tidy profit for the dealership.

    If you’re someone who has bad credit but wants to buy new, it is best to start planning for it well in advance, as you would with any major purchase.

    You need to start with your credit report to see how it would look to a lender. Run it at least three months before you plan on buying so you can take action on any outstanding items, recommends Rod Griffin, director of public education for credit reporting company Experian.

    Annual Credit Report.com gives you one free report a year on each of the major credit reporting companies: Experian, Equifax and TransUnion. Take advantage of it.

    Getting your actual credit score typically costs money, but your score will give you an idea of the credit tier into which you fall. Experian defines subprime (which includes deep subprime, as low as you can go) as a 619 score or below on its Vantage scale.

    Once you get the free credit report, pay close attention to the section that points out potentially negative items, also called risk factors. Risk factors could be anything from an old debt that went to collection to a fine you had to pay in a civil court case.

    Rather than viewing them as black marks on your credit, “These risk factors can empower you as a consumer to help rehabilitate your credit,” Griffin says. The risk factors are present in all reports, so if you fix an issue you found on one credit report, the action will be reflected on all the other reports.

    Experian says it offers an added benefit with its credit report and score. For $40, you get your credit score from Experian and a 35-minute session with a credit educator. This person will go over your report and point out items that need attention and give you tips on how to address it.

    Get Pre-Approved and Choose a Dealer

    Because your credit is bad, you will be paying a high interest rate, perhaps as high as 18 percent in California, for example. But some rates still could be better than others. This is why it’s important to seek approval from more than one lender.

    To find out which car dealers may be willing to finance people with iffy credit, pay attention to radio commercials or billboards from dealerships that say things such as “Your job is your credit!” or “Bad credit? No Problem!” These are good places to start. Steer clear of the “buy here, pay here” lots, however, since they don’t sell new cars.

    Many dealership Web sites have credit applications you can fill out online to get pre-approved. If you don’t see the application on the front page, it may be under the “Finance” tab.

    Also, check with your own bank or credit union. They may be more willing to approve you since you already have an established financial relationship with them. You might also try Road Loans from Santander Consumer USA, which specializes in subprime loans.

    Don’t worry that filling out too many loan applications will harm your credit. “Lenders know you are searching for the best rate,” Griffin says. As long as you apply for loans in a 14-day period, they will only count as one “hard” inquiry on your credit report.

    Bring Documents To Show You’re a Good Credit Risk

    When you go into the dealership to talk about financing, you need to bring along some important paperwork. These items will allow a dealership to establish who you are and confirm that you have a job, that you have a history of making monthly payments on time and have friends or family the dealership can contact to find you if you stop making payments. Bring these items with you:

    • The most recent pay stub from your job
    • Your utility bill (gas, water, electricity)
    • Your driver license
    • Three personal references

    Stay in Your Price Range and Look at the Total Costs

    Most people know what they can afford for a monthly car payment. But that sometimes ignores the bigger picture. Just because you qualified to buy a $22,000 midsize sedan doesn’t mean you should buy it. For example, if you scale back and purchase a $17,000 compact sedan, you’ll free up $100 per month. This is money you could use for gas, insurance or to pay other bills.

    “We love our leather seats and sunroofs,” says Griffin, “but when your credit isn’t stellar, it is better to look at a lower-end automobile.”

    Halim gives an example of a deal made for someone with bad credit: a $16,000 Nissan Versa, minus a $1,000 bonus cash incentive, financed for 72 months with $1,000 down. The interest rate would be around 17.9 percent, which would bring the monthly payment to about $354. At the end of the six years, you would have paid $25,485 for that Versa.

    These numbers will vary based on how much you’re putting down, what you’re financing and what you’ve been approved for, but it gives you a rough idea on what this type of deal looks like. A sizable percentage of the loan will be the interest ($9,927 in this example), but this is the reality when you’re borrowing in this credit tier.

    Just remember that it could be worse if you were dealing with a “buy here, pay here” car purchase. While talking to Halim, for example, we heard about a customer who had purchased a car from a “buy here, pay here” dealership and no longer wanted the car. The loan was for $4,200, to be paid over 36 months. The person already had made 22 payments of $322 and still owed $3,800 on the principal, thanks to an exorbitant interest rate. It approached the California legal maximum of 29.9 percent.

    Resist the Urge To Trade Up

    A number of new-car dealerships offer their credit-challenged customers the chance to trade into another vehicle without a significant increase in their monthly payment, provided they’ve made a year’s worth of consecutive on-time payments. While it may be tempting to get out of a Nissan Sentra and into a Nissan Altima, for example, you will be adding more debt to your next loan.

    If you want to move up to a larger or nicer car, a smarter strategy is to refinance the current loan for a lower interest rate and monthly payment, then stick out the loan until the initial car is paid off. When it’s time to purchase your next car, you should be in a higher credit tier (assuming you’ve also done well on your other bills), and will qualify for a nicer car.

    If you’ve done your credit homework, shopped within your price range and made all your payments, you’ve not only improved your credit score but also set up positive finance habits that will serve you well for years to come.