Review Payday Loan » credit check http://www.reviewpayday.com Mon, 06 Sep 2010 16:50:11 +0000 en hourly 1 http://wordpress.org/?v=3.0 Can someone tell me what is the best website to get a best payday loan? http://www.reviewpayday.com/best-payday-loans/can-someone-tell-me-what-is-the-best-website-to-get-a-best-payday-loan/ http://www.reviewpayday.com/best-payday-loans/can-someone-tell-me-what-is-the-best-website-to-get-a-best-payday-loan/#comments Mon, 23 Aug 2010 09:08:44 +0000 admin I want an actual lender not a matching service. That seems to be all I can find. I am looking for a small amount that I can pay back over 90 days or more with no credit check.


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]]> http://www.reviewpayday.com/best-payday-loans/can-someone-tell-me-what-is-the-best-website-to-get-a-best-payday-loan/feed/ 1 Where can I find a legit loan? http://www.reviewpayday.com/same-day-payday-loan/where-can-i-find-a-legit-loan/ http://www.reviewpayday.com/same-day-payday-loan/where-can-i-find-a-legit-loan/#comments Tue, 10 Aug 2010 09:40:48 +0000 admin I was curious as to why I got turned down for a loan at my bank. Then I ran my own credit check to find out that my FICO is 507. I reviewed the entire list and with one phone call I found that there were numerous (some identical) listings from the same collection agency. One conversation, with the collection agency explained everything. A doctor’s office had not submitted billing to my insurance company within their required time frame, 90 days. I can contest and have these items removed by proving it was the fault of the doctor’s billing department. I contacted the collection agency a few months ago but and they agreed to remove it but, its still there and I’m still getting turned down for credit. I also have a workman’s comp claim that was never paid by my ex-employer, I have just been getting the runaround between the employer, collection agency and the doctor’s billing department. I have a credit card that I was late on, but has been positive for the past five months.

I have had some personal issues come up and had to miss three weeks of work. I also had to put money down to buy a vehicle when it became apparent that paying the down payment was more feasible than dumping more money into a vehicle that had so many problems. This has left me broke. I got into a payday loan mess that I need to get out of, that’s part of it, I want to add the remaining balance of my auto loan and a small installment loan that I have. All together I would like to get 00.

So there’s most of my situation. I need to get some funds together rather quickly. Does anybody have any legitimate ideas on how I can get the loan?

If anyone wants to offer the loan and requires an upfront fees need not reply.
If there are any ideas I need a website address, street address or a land line telephone number.


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]]> http://www.reviewpayday.com/same-day-payday-loan/where-can-i-find-a-legit-loan/feed/ 1 Will an Apartment Rental Credit App Update My Employer Info On My Credit Report? http://www.reviewpayday.com/fast-loans-no-credit-check/will-an-apartment-rental-credit-app-update-my-employer-info-on-my-credit-report/ http://www.reviewpayday.com/fast-loans-no-credit-check/will-an-apartment-rental-credit-app-update-my-employer-info-on-my-credit-report/#comments Sat, 26 Jun 2010 15:51:27 +0000 admin I have some credit problems that I am trying to work through (please save any of the self-righteous "just pay your bills" responses that always seem to show up–they are neither helpful nor relevant). My credit report currently shows an old employer from a couple of years ago because I have not applied for credit recently. I don’t want it to update because I don’t want to start getting harassing debt collector calls at work, or worse yet have them start calling and telling my boss or coworkers about my debts as some shady collectors do. Even though it is illegal, they’ll continue calling even after you tell them you can’t take calls at work, knowing that people who are deeply in debt are not really in the best position to take them to task legally. I get 20-30 calls per day from collectors on my cell phone at times, and no way can I deal with that at work. It would probably get me fired.

I am trying to move to a cheaper apt to help me get out of debt faster and get all my bad debts taken care of, but until I do, I don’t want any of these harassing collectors knowing where I work. So if I apply for an apartment, listing my current employer, and they run a credit check, will my credit report be updated to show my current employer? Or does that employer information only change from actual loan applications or when existing creditors report it?


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]]> http://www.reviewpayday.com/fast-loans-no-credit-check/will-an-apartment-rental-credit-app-update-my-employer-info-on-my-credit-report/feed/ 4 Can "Cash-in-1-Hour.com" be trusted? http://www.reviewpayday.com/no-credit-check-cash-loans/can-cash-in-1-hour-com-be-trusted/ http://www.reviewpayday.com/no-credit-check-cash-loans/can-cash-in-1-hour-com-be-trusted/#comments Thu, 17 Jun 2010 23:13:56 +0000 admin Or any of those "no credit check" loans for that matter?


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]]> http://www.reviewpayday.com/no-credit-check-cash-loans/can-cash-in-1-hour-com-be-trusted/feed/ 3 fast cash?? http://www.reviewpayday.com/fast-loans-no-credit-check/fast-cash/ http://www.reviewpayday.com/fast-loans-no-credit-check/fast-cash/#comments Mon, 14 Jun 2010 15:52:13 +0000 admin where can i get fast cash like get approval online with no credit check and they have it in my account like tomorrow??you know the loan type deal thanks


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]]> http://www.reviewpayday.com/fast-loans-no-credit-check/fast-cash/feed/ 4 student loan that isnt credit-based? http://www.reviewpayday.com/fast-loans-no-credit-check/student-loan-that-isnt-credit-based/ http://www.reviewpayday.com/fast-loans-no-credit-check/student-loan-that-isnt-credit-based/#comments Sat, 29 May 2010 18:14:17 +0000 admin http://www.reviewpayday.com/fast-loans-no-credit-check/student-loan-that-isnt-credit-based/ 1. no co-signer
2. no credit check
3. payback after graduation
4. fast!

]]> http://www.reviewpayday.com/fast-loans-no-credit-check/student-loan-that-isnt-credit-based/feed/ 3 Think Before You Loan http://www.reviewpayday.com/articles/think-before-you-loan/ http://www.reviewpayday.com/articles/think-before-you-loan/#comments Mon, 24 May 2010 17:19:20 +0000 admin http://www.reviewpayday.com/?p=14364 Payday loans remain in demand as there are always people who can’t get financial aid from any other source in an emergency.

This is especially true of people who do not have a good credit record.   A word of advice to you before applying for a payday loan, ask about the terms and conditions of the loan so that you know what you are letting yourself in for.  Don’t just blindly apply for one and once the money is deposited in your checking account only find out what the interest rates and conditions are.  Ask about anything that you are uncertain about.  Make quite sure that you understand all conditions clearly.

Applying for a payday loan is very simple as this can be done online without leaving your home.

Because of the high interest rates that lenders of these loans charge it is better to only make use of these loans if you have no other way of raising emergency money.

Payday loans are short-term loans to get people through to their next payday check. This is the reason for the high interest rate.

The conditions of the loan usually stipulate that the loan must be paid in full with the next payday check after the loan was taken.

The interest will be doubled if this condition is not adhered to and the loan will be rolled over to the following payday.  This omission of payment could result in the borrower falling into debt.  This is why it is so important to make sure that you can adhere to the conditions of the loan before you apply for one.

]]> http://www.reviewpayday.com/articles/think-before-you-loan/feed/ 0 Use Payday Loans Responsibly http://www.reviewpayday.com/articles/use-payday-loans-responsibly/ http://www.reviewpayday.com/articles/use-payday-loans-responsibly/#comments Mon, 24 May 2010 17:17:22 +0000 admin http://www.reviewpayday.com/?p=14362 Be very responsible when you borrow a payday loan, as these loans are not intended for long-term financial relief, but are short-termed loans charged at a very high rate of interest.  These loans are very expensive and should be only taken in extreme cases of financial distress.  Only if you have no other way out and you have to have the money before you receive your next paycheck, should you even consider borrowing the money from the payday lenders.

If you think there is a remote chance that you will not be able to repay the loan on time, think again and rather borrow the funds from a family member or good friend.  The point is that the high interest rate and loan fee combined make the small amount you borrowed become a much larger amount.  Remember that if you fail to pay the full amount on the due date, the interest will be doubled and you will find it more difficult the following month, to pay off the debt.

Many payday lenders prefer borrowers to give them a post-dated check for the amount of the loan.  They are then in control, and on the due date of payment they will deposit the check, whether you have sufficient funds in your banking account or not.  Should the check bounce you will be liable for bank charges as well as for another month’s interest on the outstanding loan.  Rolling a loan over is not a good idea, as this makes it more difficult to come up with the due amount.

Many borrowers have complained about being harassed by loan company owners when they can’t come up with the money.  It is the pits to fall into debt this way, especially if you have no way of soon getting out of it again.  This is why it is essential to be responsible with payday loans. No matter how alluring the advertisements online and in the media are, remember that you have to be responsible when you borrow a payday loan.

]]> http://www.reviewpayday.com/articles/use-payday-loans-responsibly/feed/ 0 Anyone Can Get A Payday Loan http://www.reviewpayday.com/articles/anyone-can-get-a-payday-loan-2/ http://www.reviewpayday.com/articles/anyone-can-get-a-payday-loan-2/#comments Mon, 24 May 2010 17:14:45 +0000 admin http://www.reviewpayday.com/?p=14360 Payday loans are, and always will be very popular, regardless of the fact that a very high interest rate is charged.  They are the cause of many borrowers getting into debt for a very long period of time.

The sheer convenience of these loans, make them so popular.  You can either apply for a payday loan directly online, telephonically or you can call on the office of the moneylender.  Application form completion only takes a few moments. Very few payday moneylenders have a credit check done on potential borrowers, so there is nothing to hold up the process.

The money will be transferred to the applicant’s banking account usually 24 hours after application.  Many of them will do it the same day, provided that the application reached them before midday.   The loan payment can be paid back in the same way.  No need for going to the moneylender’s office to pay the loan off, just electronically transfer the money.  The whole process can be done very conveniently.

Anyone can get a payday loan, it will be granted as long as the applicant has a permanent job, earning a regular wage and has a current banking account.  Why would anyone want a small loan for such a short period of time?  It is in most cases a fact that the month is longer than the paycheck.  This loan will be money to tide the person over until he or she receives their next paycheck.  In some cases it is to pay some unexpected debt or expense that came up.  No moneylender will ask you the reason for borrowing the money.  They have no problem what you do with the money.  The only thing that interests them is receiving the loan payment on time.

Whatever the reason for making a payday loan, it would be advisable to make sure that the loan and interest can be repaid on the specific date. These loans are known by a few different names.  Payday loans, Cash Advance Loans, Check advance loans and Postdated check loans.  They are all the same thing and operate in the same way.  The only difference is that the postdated check loans are paid back by means of a check, which the borrower has to give the lender in exchange for the loan.  The check has to be made out for the full amount of the loan, plus the interest.  The check has to be dated for the day of payment and the lender will deposit it on that day in his bank account.  The borrower obviously has to make sure that there are sufficient funds in the bank to honor the check.

Payday loans are a way of life for many people.  They borrow money between pay- checks and then pay it back again when the next wage check is paid.  By the middle of the month they are broke again and start all over again.  A large amount of money is “lost” on interest each time you take a loan.  This type of behavior can be prevented, by budgeting your wages. You will be able to pay all your expenses and the balance will be to tide you over until payday comes again.

]]> http://www.reviewpayday.com/articles/anyone-can-get-a-payday-loan-2/feed/ 0 Are Payday Loans Very Popular http://www.reviewpayday.com/articles/are-payday-loans-very-popular/ http://www.reviewpayday.com/articles/are-payday-loans-very-popular/#comments Mon, 24 May 2010 17:12:13 +0000 admin http://www.reviewpayday.com/?p=14358 It seems that payday loans are very popular with people that do not budget or that have an unexpected expense in the month and not sufficient funds to meet it.  Many times the month seems to last longer than the pay check and this can create a financial problem.  Qualifying to borrow payday, or postdated check loans, is not difficult, it can all be done online in a few moments.

  • The main criteria is that you must be employed and have a checking account that is at least 6months old.
  • Remember to check whether you are allowed to take a payday loan in your state as they are prohibited in many states in US.
  • These loans are only for short-term financial needs and should not be seen as long-term solutions.  They are just to tide you over until you receive your next paycheck.
  • It should be noted that the interest rates on these loans are very high and for this reason careful consideration should be taken before borrowing money from the payday lenders.
  • The agreement of the loan will be that the full amount of the loan plus interest must be paid with the first paycheck, failing this the interest will be doubled when the loan is rolled over for the next month.
  • Payday advances can be very handy if you are stressed for cash.  Most lenders require very little information and there is usually no faxing.
  • Applying online just takes a few moments and the money is usually transferred into your banking account 24hours later.

There are lenders that will let you have the cash the same day if you apply before midday.

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