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We have helped millions of people get credit cards and loans who would not normally have qualified. Bad Credit Visa Cards, Credit Cards for Bad Credit. Whether you need Bad Credit Credit Cards, Bad Credit Home Loans or Bad Credit Personal Loans we can help. This is a free service designed to connect you with a lender that best fits your credit needs. Whether you have no credit, bad credit, or excellent credit, We make finding Bad Credit Credit Cards, Bad Credit Home Loans or Bad Credit Personal Loans as easy as 1-2-3!
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Loan Tips
."GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST."The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price.Check cashers, finance companies and others are making small, short-term, high-rate loans that go by a variety of names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans. Usually, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. The company gives the borrower the amount of the check minus the fee. Fees charged for payday loans are usually a percentage of the face value of the check or a fee charged per amount borrowed - say, for every $50 or $100 loaned. And, if you extend or "roll-over" the loan - say for another two weeks - you will pay the fees for each extension. Under the Truth in Lending Act, the cost of payday loans - like other types of credit - must be disclosed. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis).A cash advance loan secured by a personal check - such as a payday loan - is very expensive credit. Let's say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or payday lender agrees to hold the check until your next payday. At that time, depending on the particular plan, the lender deposits the check, you redeem the check by paying the $115 in cash, or you roll-over the check by paying a fee to extend the loan for another two weeks. In this example, the cost of the initial loan is a $15 finance charge and 391 percent APR. If you roll-over the loan three times, the finance charge would climb to $60 to borrow $100.Where to ComplainIf you think your lender has violated the law, you may wish to contact the lender or loan servicer to register your concerns. At the same time, you may want to contact an attorney, your state Attorney General's office or banking regulatory agency, or the Federal Trade Commission.
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Quick, Easy and Convenient Cash Advance Loans of up to $500 deposited in your checking account. No credit checks! Apply now and receive your funds by the next business day! Avoid having to stand in line at stores – fill out your application in your own home. 