Fast Cash Loans

Fast Cash Loans

Fast Cash Loans

At some point in life, you may be in need of some quick cash to sort out an urgent financial obligation. Fortunately, you have the opportunity to request for fast cash loans from willing lenders. We have a wide network of lenders with huge array packages for different financial urgencies.

Traditional lenders have changed their lending rules to be more strict and selective. Therefore, not so many people can qualify. Their major requirement is good credit score, which most people do not have. These lenders would also want you to state your intended use of the loan. However, the lenders we will link you to have very basic requirements. Even if you have a poor credit score, they are ready to review your request and give you an appropriate loan.

With quick loans, you are in a better position to manage a financial emergency.

Advantages of Quick Loans

  • Advantages of Quick Loans

    Advantages of Quick Loans

    It is easy and convenient to request and gets your loan approved by lenders. Actually, you can request for a loan and have it sent to your bank as soon as your lender approves it. The speed is geared towards ensuring that you sort out your financial crisis as fast as possible.

 

  • You can request the credit in the comfort of your home or office by filling out simple online forms. Lenders require you to fill out your basic information on an online form which you then submit and wait for it to be reviewed. The major requires that you need is proof of income. We will connect you with lenders who are most concerned about your income status. They want to be certain that you are capable of repaying the loan.

 

  • These loans are given for a short period. The main objective is to help you solve your financial problems in the short term. It is not meant for you to use them as a long-term solution to your problem.

 

  • quick loan is a recipe for more debt

    the quick loan is a recipe for more debt

    Most people shy away because they think that taking a quick loan is a recipe for more debt. Even if you are about to default a particular installment, lenders in our network have different plans for such cases. You can get an extension. Lenders, we connect you with work to ensure that you improve your credit status.

 

  • You have a higher chance of acquiring a loan from lenders compared to other financial institutions. This is because fast cash loans are readily available though in small amounts for a short period. Lenders partnering with us have put all the related risks into consideration. This means that they are providing loan services to a wider audience.

 

  • Usually, lenders will set out terms and conditions to you prior to your sign up. They do this for you to understand and to make appropriate choices. The most important terms are those of defaulting, interest, loan amount, loan duration, and fees. With us, you will find lenders who are willing to give you all the necessary information you need.

 

  • You have the liberty to choose from an extensive network of lenders. You can freely make your comparisons of terms and only settle for a most suitable term. We are here to ensure you have a stable and productive financial relationship with our lenders. Ensure that you fill out your details as accurately as possible. This will help you get a loan that satisfies your need.

Important Things to Consider

  • Important Things to Consider

    Important Things to Consider

    It is important to be in constant communication with your lender during your loan period. You will be getting reminders in different ways depending on your preference.

  • Check out loan regulations within your state. Each state has its own rules, especially for such lending activities. For example, they have regulations on the interest rates that lenders are supposed to place. We will connect you with lenders who understand different state regulations and will work in your interest.
  • Ensure you have a mutual repayment plan with your lender. This is because there are times you may be in a defaulting position. It is recommended that you inform your lender about this. When you do this, you are most likely going to get an alternative plan that will keep you financially afloat.

Be Ready For a Soft Credit Check

  1. Be Ready For a Soft Credit Check

    Be Ready For a Soft Credit Check

    When you choose a loan from traditional lenders like a bank, you have to be ready for very thorough scrutiny. For lenders of fast cash loans, you are only subject to a simple credit check. The main aim of the lenders is to check whether you are capable of paying them. If your check proves that you can pay, then you are likely to receive your requested loan.

  2. Lenders working with us are focused on creating a healthy business relationship with you. Your timely payment will help you build your financial profile. In addition, every transaction you will be conducting will be strictly between you and your lender only.

If you have any financial emergency, consider fast cash loans. You will not need any form of collateral. Even though you may be charged a slightly higher interest, it is worth it.

Many lenders in our network have recurring repayment plans. These plans involve the deductions of a particular amount from your bank account on a regular basis. Therefore, when filling out your bank details, ensure that you give accurate numbers.

Remember that these lenders are operating a loan business and any charges will be business related. The good part with choosing such lenders is that you are not going to have to face your relative or friend for a loan. With lenders, you are not susceptible to any emotional situations. Borrowing from a close family member can be challenging. If you fail to pay as agreed, it could cause complications. However, if you choose fast cash loans from lenders we connect you with, you will not worry about any complications. If you default, the worst case can be that you pay an additional fee. This is easier than fixing a broken relationship.

When you require cash on a short notice, these loans will always be readily available. One of the common financial emergencies is a medical bill. You never know when you will need to pay a medical bill. It can be at a time when you do not have any money in your pocket. You can also not miss the payment as it will negatively impact on your credit profile. Therefore, quick loans can be a great help when you need them. Regardless of what you want to do with the cash, we partner with lenders who are willing to give you a loan to fulfill your specific needs.  

Oregon payday loan laws overview

In today’s economy, it is really difficult even for hard-working people with a steady monthly income to meet their monthly bills. Even those who make the most out of what they have, cut their spendings, structure their budget in the best possible way by carefully planning and calculating their monthly earning and expenses, even they often struggle to sustain a stable financial state. And life is full of surprises, sometimes an unexpected event can bring unexpected expenses.

Oregon payday loans laws

Oregon payday loans laws

If you can barely afford to pay your monthly electricity bill, how are you going to afford to pay for an emergency expense? Seems like the only way to cope with such situation is by seeking financial help. When a person needs a quick money injection, his friends and family may be the answer. However, for some people, taking out a loan from a close person is a not a viable option. This leads us to the tremendous growth that the loan lending industry has had in the last decade.

There are numerous loan options for borrowers to pick from. Different loan types allow you to take out a loan with fewer application requirements, some loans you can take without having to leave your house by simply going online. Among so many loan types out there, probably the most popular type is payday loans. Payday loans are very popular among many borrowers. However, they are not legal in every state in the United States. Some states set really tough restrictions and limitations on payday loan lending due to the risks that they carry. Below we will see if payday loans are available to the residents of the state of Oregon and if so, why it can be a good idea to get one.

Are Oregon payday loans legal?

According to Oregon payday loan laws, payday loan lending in the state is considered legal and is regulated by the 54 Or. Rev. Stat. § 725A.010 et seq law. The loan lending industry in Oregon is growing and therefore there are more than 450 payday loan lending companies that conduct their business in the state. According to Oregon payday loan law regulations, the minimum loan term for a payday loan is 31 days with a maximum term of 60 days.

The maximum payday loan amount that borrowers can take out in Oregon is tremendously higher compared to what payday loan lending companies offer in most other states as borrowers in Oregon are able to take out payday loans up to $50,00 or up to 25% of the borrower’s monthly income. With that being said, however, there is a restriction on 36% annual percentage rate and the annual percentage rate for a $100 payday loan for 31-days cannot surpass 154%.

Oregon residents are not limited to a certain number of possible payday loans they can take, however, there must be a cooling-off period of 7 days between every consecutive payday loan. In Oregon, a payday loan can be rolled over twice. Payday loan lending companies in the state are not allowed to pursue any criminal action against their customers, however, civil trials in Oregon are legal. Payday loan lending companies are allowed to charge an NSF fee of $20 in  case of a check return.

Why are payday loans so popular in Oregon?

Why are payday loans so popular in Oregon?

Why are payday loans so popular in Oregon?

Despite being quite risky, payday loans can be a go-to option for many borrowers because of the benefits they offer.

  • Having a bad credit is not fatal

While it is almost impossible to get a standard loan from a traditional loan lending institution, such as a bank, if your credit score is not perfect or even good, taking out a payday loan with a bad credit score is rather common. Payday loan lending companies are more interested in your ability to repay the loan in full on the due date rather than what your credit history is.

  • Payday loans are fast

Since they are mostly used to deal with an emergency financial situation, payday loans are an extremely fast service. You can go through the whole application process in a matter of minutes after which, if approved, you will receive your money by the end of the following business day.

  • Payday loans give you multiple options

Payday loans are fast

Payday loans are fast

While it is most likely that if you live in Oregon, you can probably find a payday loan lender’s physical store near your home or your workplace. Payday loans also give you the option to submit your application online. That way you can go through the whole application process all without having to leave the comfort of your living room.

  • What you do with the money is entirely up to you

While most conventional loan lending institutions set certain limitations on what the borrower can spend the loan he’s been given, with payday loans, once you get your cash, you are free to use it in any way you like as long as you do not use the money for something illegal.

Cities in the state of Oregon where you can find payday loan lenders

  • Milton Freewater
  • Albany
  • Bend
  • Brookings
  • Burns
  • Canby
  • Central Point
  • Gresham
  • Hermiston
  • Clackamas
  • Coos Bay
  • Baker City
  • Beaverton
  • Corvallis
  • Cottage Grove
  • Dallas
  • Eugene
  • Forest Grove
  • Grants Pass
  • Hillsboro
  • Myrtle Creek
  • Newberg
  • Keizer
  • Portland
  • Klamath Falls
  • Lebanon
  • Lincoln City
  • Madras
  • Astoria
  • Mcminnville
  • Medford
  • Springfield
  • Molalla
  • Newport
  • North Bend
  • La Grande
  • Ontario
  • Oregon City
  • Pendleton
  • Salem

Conclusion

Even though payday loans in Oregon are quite popular and can be really useful in certain situations, you should be careful when you consider applying for one. You need to be absolutely confident in your ability to repay the loan on time, otherwise, you risk getting yourself into more financial trouble.

New Hampshire payday loan laws overview

Nowadays, it seems that many people in the United States find it very hard to deal with their monthly bills. Hardworking Americans are forced to cut as much of their spendings as they can and even then, paying the bills can still be a tough job to do. And while struggling with the regular monthly bills is hard enough, there are also times when emergency expenses occur. In such times, the faster you deal with the problem, the easier it will be. When handling an emergency expense, time is really of the essence.

New Hampshire payday loan laws

New Hampshire payday loan laws

However, there are many people who simply do not have enough funds to be able to cope with such situations and therefore they need financial assistance. While borrowing some money from friends and family can be a viable option, for others, the only way to afford their bills is by taking out a loan. The loan lending industry offers lots of different loans that borrowers can choose from. Probably the most popular type of short-term loans out there is payday loans. Payday loans, however, are not legal in all states and so for some people, it may be hard or even impossible to get one. Below, we will look at what a payday loan is and is payday loan lending legal in the state of New Hampshire.

New Hampshire is one of the smallest states in the country. To be exact, it is the fifth smallest state in the United States and is also the country’s fifth least-populated state. The economy of the state is based on its agriculture. That includes the production of nursery stock, cattle, apples, and dairy products. New Hampshire also relies on the state’s tourism income as well as the manufacturing of machinery, electrical equipment, rubber and plastic products. In 2015, the total state product of the state was $67 billion. Its unemployment rate was 2.6%.

What are payday loans?

What are payday loans?

What are payday loans?

Payday loans are the most popular short-term type of loans. They are also known as cash advances. With payday loans, the borrower takes out a small sum of money which he then must usually repay by his next payday. Since payday loans are small-sum, short-term loans by nature, a payday loan is only up to $500. The standard loan period for a payday loan that does not exceed $500 is 14 days. Payday loans have extremely high interest rates and so they can potentially be very dangerous for borrowers that are not able to repay their payday loans on the due date. This is why payday loans should be used as a last resort measure to deal with certain emergency expenses. Despite their high interest rates and fees, payday loans do offer some highly attractive features which we will discuss.

New Hampshire Payday Loans Laws

Payday loan lending in New Hampshire is restricted according to the N.H. Rev. Stat. Ann. 399-A:1 et seq law. The state’s payday loan law regulations impose some really strict limitations regarding the interest rates and fees to protect borrowers from falling into debt cycles and prevent loan lending companies from violating their customer’s rights by gaining substantial profit with high rate and fees charges. According to New Hampshire payday loan laws, every borrower is allowed to have no more than a single outstanding loan at the same time. If a borrower is trying to take out another loan from a different payday loan lending company while he still has not repaid his current loan, the action is considered illegal and can cause problems both for the borrower and the loan lending company.

New Hampshire payday loans laws

New Hampshire payday loans laws

In New Hampshire, according to payday loan regulations, a borrower is not allowed to take out a loan that exceeds $500. The annual percentage rate for a payday loan in New Hampshire is capped at 36% and no payday loan lender can charge more than that. The financial charges a payday loan lending company can charge in New Hampshire are restricted and cannot exceed $1.38 for a two-weeks $100 payday loan. This includes all approval and processing fees. The repayment period of any payday loan in New Hampshire must not be less than a week and it cannot surpass 31 days.

In New Hampshire, there is a law regarding a loan’s cooling-off period, by which a person is allowed to apply for another loan only if 60 days of the full repayment of his previous loan have passed. With that being said, however, renewals and rollovers in New Hampshire for payday loans are forbidden. Borrowers can take out another payday loan from one payday loan lending company after the full repayment of the previous loan.

Payday loans benefits in the state of New Hampshire

often available even to borrowers with bad credit score.

often available even to borrowers with bad credit score.

While they can be pretty dangerous, payday loans have their advantages that attract many borrowers.

  • Unlike with most standard loans, payday loans are often available even to borrowers with bad credit score.
  • The service is extremely fast as usually, the whole application process takes minutes after which you receive the money by the end of the following business day
  • Once you get your cash, you are free to use it however you see fit
  • Payday loans give you both the options to apply at a lender’s physical store and online from the comfort of your couch

Cities in the state of New Hampshire where you can find payday loan lenders

  • Concord
  • Derry
  • Dover
  • Hillsboro
  • Keene
  • Lyman
  • Manchester
  • Nashua
  • Plaistow
  • Portsmouth
  • Rochester
  • Salem
  • Seabrook

Conclusion

In New Hampshire, payday loans are regulated in a way that protects the borrowers from falling into a debt cycle. However, that does not mean that you should be reckless with the use of such service. If you are thinking about getting a payday loan, make sure you able to repay it on time to avoid unwanted events.

South Carolina payday loan laws overview

Nowadays, many people turn to the loan lending industry when they experience financial difficulties. The most popular type of loan that borrowers use is called payday loan. Residents of South Carolina are also quite attracted to this short-term loan, and payday loan lending offices can be found across the state. South Carolina payday loan laws are explained in this article.

In 1729, South Carolina has officially separated from North Carolina. Today, South Carolina has a lot of big textile mills that produce much more output than its farms in money value. There is big production of pulp, chemicals, steel products, wood,  apparel and machinery. Places that attract the interest of most tourists include Fort Johnson, the Cypress Gardens, the Fort Sumter National Monument, the Riverbanks Zoo and many others. South Carolina is the 40th largest state in the United States and it is 24th most populous with a population of over 4,896,146.

What is a payday loan?

South Carolina payday loan laws

South Carolina payday loan laws

Payday loans are short-term loans for a small amount of money. It is also known as cash advances. The borrower takes out a small sum of money that he must then repay in full within his next paycheck. In most cases, payday loans are used by borrowers to deal with an emergency situation, such as the need of a car repair, or payment of a medical bill. Payday loans can be a good solution to emergencies because they are very fast. The whole process from applying to having the money in your pocket may be completed within a few hours. Another feature is that you can get a payday loan even if you have a bad credit score. Normally, the amount for a two-week payday loan does not exceed $500. The standard length of a payday loan is 14 days.

South Carolina Payday Loan Laws

Payday loan lending in South Carolina is legal according to the S.C. Code Ann. 34-39-110 et seq. Therefore, all payday loan lending companies adhering to the South Carolina payday loan laws can legally conduct their businesses. The maximum loan amount for a 14-days payday loan in South Carolina is $550. The annual percentage rate can go as high as 390%. Payday loan lending companies in the state can also charge a 15% fee for every $100 borrowed. The maximum loan term period for a payday loan in South Carolina is 31 days. There aren’t any specific regulations regarding the number of outstanding loans a borrower can have as well as any extensions and rollovers. There is, however, an NSF fee restriction that forbids lending companies from charging more than a $10 NSF fee on a check. Criminal action against borrowers are also not allowed.

In South Carolina, the government controls all the loan lending companies in the state. If a company wants to set up a payday loan lending business in South Carolina, that company should get a license from the State Board of Financial Institutions in order to operate legally. In South Carolina, every single payday loan must have a signed agreement by the lender and the borrower. The contract should state the name of the lending company, date of the transaction, amount of money and all the included fees. The fees, as well as the annual percentage rate, should be in US dollars.

Advantages of payday loans in South Carolina

Advantages of payday loans in South Carolina

Advantages of payday loans in South Carolina

You should know that if you decide to take out a payday loan in South Carolina, you must be well prepared to repay it back in full on the due date. Otherwise, you may find yourself in a worse situation than the one you were in prior to the loan. Payday loans have higher fees and annual percentage rate than most types of loans which make them risky. That risk, however, comes with lots of benefits, some of which are:

  • Many options to choose from

If you are a resident in South Carolina, you will most likely find a payday loan lender’s store near your office or home. So if you want to apply for a loan, all you have to do is to visit that lender’s store nearest to you and submit your application. Payday loans, however, give you a second option. That option is to go through the whole application process from the comfort of your home by visiting a payday loan lender’s store online.

  • Payday loans are quick and simple

Applying for a payday loan requires little to no documentation. The application process itself is super fast. You will get a very fast response on whether your application has been approved or rejected. Once your loan application has been approved, you will have your money as soon as within hours. In case you have decided to apply for your loan online, you may have to wait until the next working day in order for the money to be transferred into your bank account. Payday loans are an extremely fast service compared to traditional loans from banks, where you would have to wait for days and weeks to be approved for a loan and get the money you so desperately need.

  • It is ok to have a bad credit score

There are so many people with bad credit scores who are tired of loan rejections.They cannot believe how easy it is to qualify for a payday loan even with a bad credit score. Getting a payday loan with a bad credit is just as easy as getting one with a perfect credit score. Payday loan lending companies only care if you are going to be able to repay the loan amount. They have no interest in your credit score and most times only do a very quick and small credit score check on their borrowers.

  • Payday loan lending companies do not need to know the purpose of your loan

While you have to specify exactly what you are going to do with the money when taking out a loan from a traditional lending institution, with payday loans, you are free to do whatever you want with the loan. As long as you are not doing anything illegal with it, no one will interfere with your money spending choices.

Payday loans eligibility in South Carolina

Payday loans eligibility in South Carolina

Payday loans eligibility in South Carolina

There are still some basic requirements that you must meet in order to qualify for your loan.

  • You have to be 18 years old or older
  • You must be a permanent resident of the United States or an American citizen
  • You need to have a steady source of monthly income

You must provide the following information to complete your payday loan application:

  • Your birth name and your social security number
  • Your phone number and home address
  • Details regarding your employment and income

Cities in South Carolina where you can find payday loan lenders:

  • Greenwood
  • Bradley
  • Camden
  • Cayce
  • Chapin
  • Charleston
  • Chesnee
  • Myrtle Beach
  • Chester
  • Clinton
  • Clearwater
  • Clemson
  • Columbia
  • Florence
  • Goose Creek
  • Greenville
  • Greer
  • Mount Pleasant
  • North Charleston
  • Rock Hill
  • Spartanburg
  • Summerville
  • Sumter
  • Taylors
  • Abbeville
  • Cheraw
  • Aiken
  • Barnwell
  • Batesburg
  • Anderson
  • Andrews
  • Bamberg
  • Bath
  • Beaufort
  • Beech Island
  • Belton
  • Bennettsville
  • Bishopville
  • Blacksburg
  • Boiling Springs

 

 

 

Hawaii payday loan laws overview

Hawaii payday loans industry in Hawaii is growing strong as this is the preferred type of short-term loan for most Hawaiian borrowers. So if you are a resident of Hawaii and you are looking for a payday loan, here is what you need to know.

Throughout most of the 19th century, the state of Hawaii was a native kingdom. In the year 1893, Queen Liliuokalani was ousted from position and the Republic of Hawaii was established a year after that with Sanford B. Dole as its first president. In 1900, Hawaii became a United States territory.

Hawaii produces products like coffee beans, macadamia nuts and bananas, However, what brings the most income for Hawaii is its tourism. Among the most visited tourist destinations in Hawaii are Volcanoes National Park of Hawaii and Hawaii National Historical Park.

Hawaii is the 8th smallest state in the United States and it is the 11th least populated with a population of no more than 1,431,603 residents.

Hawaii payday loan laws regulations

Hawaii payday loans laws regulations

Hawaii payday loans laws regulations

The payday loan lending in Hawaii is legal and payday loan lenders operate under the 26 Hawaii Rev. Stat. Ann. § 480F-1 et seq law, which regulates all payday loan lending issues. According to Hawaii payday loan laws, lending companies are not allowed to grant loans to people who already have an outstanding loan. This means that borrowers cannot repay their current loan by taking a new one. It is important to note that in order for any payday loan lending company to be able to legally conduct its loan lending business in Hawaii, it has to be in the form of check cashing transactions. Otherwise, it is considered illegal.

Charges and fees for a payday loan in Hawaii

  • According to Hawaii payday loans laws, lending companies can charge a maximum of 15% rate on the loans they are giving out.
  • A $100 14-day loan finance charge cannot surpass $17.65.
  • The annual percentage rate for a 14-day $100 payday loan cannot be more than 459%
  • The maximum loan amount a person can take out is $600 for a period not longer than 32 days.
  • There are no rollovers allowed, so all loans should be repaid on time.

Collection restrictions

  • Criminal procedures

Criminal procedures are forbidden (unless when a check is returned because of a closed account or in a stop-payment state)

  • Collection fees

Payday loan lenders in Hawaii are allowed to charge a fee of $20.

Hawaii payday loans benefits

Payday loans benefits in Hawaii

Payday loans benefits in Hawaii

Payday loans have a reputation of being risky. However, that risk is usually insignificant compared to the benefits a payday loan can offer.

  • Extremely fast service
  • The option to choose from online and physical store application
  • Bad credit rating is not a problem
  • The application process is quick and simple

Payday loans application and eligibility in Hawaii

Even though payday loan companies do not require a lot of documents when you apply for a payday loan, there are still some criteria you need to meet in order to be eligible for a payday loan in Hawaii:

  • To be at least 18 years old
  • To be a citizen of America or a permanent resident of the United States
  • To have steady monthly income

Also needed for a successful application is the following information:

  • Your social security number, name, and date of birth
  • Phone number, home and email address
  • Details regarding your employment and income

Cities in Hawaii where you can find payday loan lenders:

  • Aiea
  • Hickam Afb
  • Hilo
  • Honolulu
  • Kailua
  • Kailua Kona
  • Kaneohe
  • Kapaa
  • Kihei
  • Lahaina
  • Lihue
  • Pearl City
  • Wahiawa
  • Wailuku
  • Waipahu

Hawaiian payday loan lenders

Most payday loan lending companies in Hawaii have both on-ground and online stores. It is up to you to choose which option works best for you. If you decide to apply for a payday loan online, you may get your money a little slower than a physical store application. But it still should not take more than one business day.

Louisiana payday loan laws overview

The historical background of Louisiana is rich and colorful, which makes the state a very popular destination for tourists. The state is also a leader in the production of salt, natural gas, petroleum and sulfur. The state of Louisiana has a population of around 4,670,724 residents which makes it the 25th most populous state in the US. In the last years payday loans have attracted lots of borrowers with their simple and easy conditions and the residents of Louisiana do not make an exception. Louisiana payday loans are legal.

Louisiana payday loans laws regulations

Louisiana payday loans laws regulations

Louisiana payday loans laws regulations

Payday loan loans are legal in the state of Louisiana and lend is a legal businesses according to La. Stat. Ann. 9:3578.1 et seq. Louisiana payday loan laws are a bit more complicated compared to other states in the US. Payday loan lenders in the state of Louisiana need to operate under certain limitations. A borrower can take a maximum of $350 payday loan amount at a time is $350. However, in Louisiana, borrowers have the right to take out as many outstanding loans as they want to as there is no limit restricting the number of loans a borrower can take out. The length of any payday loan given in the state of Louisiana cannot surpass 60 days, and no extensions are allowed. Lending companies in Louisiana are allowed to charge a documentation fee of $5.

Payday loan lending companies in the state of Louisiana

Whether you are aware of it or not, payday loan industry is growing extremely fast. Since the advent of online lending, the number of Louisiana payday loans lenders has increased a lot and so have their clients. It is most likely that you would find a lender’s physical store near your workplace or home. The opportunity to apply for a payday loan from your home adds another level of comfort and accessibility to the service.

Advantages of taking out a payday loan in Louisiana

Advantages of taking out a payday loan in Louisiana

Advantages of taking out a payday loan in Louisiana

Payday loans are on the top of short-term loan business and there are many reasons for that being so.

  • Lots of options

With payday loans, you have the option to apply by visiting a lender’s store or by just going online and visiting the lender’s webpage. Having the ability to choose your way of applying makes a big difference as some people have difficulties finding a lender’s office or simply do not have the time to drive around.

  • Fast service

Imagine that an emergency bill comes up out of nowhere and you are not even close to being able to handle it. In such cases, time can be crucial. With traditional bank loans, you will mostly likely have to wait for days or even weeks to get your loan. However, payday loans can secure you the amount you need in just a few hours (if you apply in a physical store) or by the next business day (if you choose to apply online).

  • Bad credit is irrelevant

When dealing with traditional lending institutions, having a bad credit can really limit your options, making it almost impossible to get a loan with good terms. This is where payday loans come in. Payday loan lending companies do not care if your credit is good or bad. What they want to know is if you are going to be able to repay your loan by your next paycheck.

  • Your money, your choice

Unlike loans from most traditional lending institutions, you can pretty much do anything you want with your payday loan as long as it is not something illegal.

Payday loans fees and charges in Louisiana

There are some things you need to know when applying for a payday loan in Louisiana:

  • APR

The annual percentage rate for a two-week $100 payday loan in Louisiana cannot exceed 780%.

  • Interest

In Louisiana, Interest charges for payday loans go like this:

  • If you default on a loan, the lending company can charge an annual percentage rate of 36% for the first year, and an annual percentage rate of 18% beyond the 13th month. The finance charge for a two-week $100 loan is limited to $30.
  • Fees for extending loans

  • Fees for extending loans

    Fees for extending loans

    Rollovers, refinancing or renewals of payday loans are not allowed in the state of Louisiana. However, if you pay 25% of your loan, you may refinance the remaining 75%.

  • Collection fees

If your payment has been declined, you’ve to typically pay a maximum of $25 in NSF fees.

  • Rollovers

According to Louisiana payday loans laws, payday loan lenders are forbidden from rolling over or renewing any loans in case of a non-payment.

Payday loans application and eligibility in Louisiana

Payday loans are a fast and easy service but you still need to meet certain requirements in order to apply for one:

  • You have to be at least 18 years old
  • You need to resident permanently in the US or to be an American citizen
  • You must have a source of steady income

Provide the following information to successfully complete your application:

  • Your social security number, name and date of birth
  • Phone number, home and email address
  • Details regarding your employment and income

Cities in Louisiana where you can find payday loan lenders:

  • Abbeville
  • Alexandria
  • Amelia
  • Amite
  • Baker
  • Baldwin
  • Bastrop
  • Baton Rouge
  • Berwick
  • Bogalusa
  • Bossier City
  • Bourg
  • Boutte
  • Breaux Bridge
  • Broussard
  • Bunkie
  • Chalmette
  • Clinton
  • Covington
  • Crowley
  • Delhi
  • Denham Springs
  • Deridder
  • Donaldsonville
  • Harvey
  • Houma
  • Kenner
  • Lafayette
  • Lake Charles
  • Marrero
  • Metairie
  • Monroe
  • New Iberia
  • New Orleans
  • Opelousas
  • Ruston
  • Shreveport
  • Slidell
  • Sulphur
  • Terrytown

 

 

Kentucky payday loan laws overview

An interesting fact about Kentucky is that during the Civil War, being a slaveholding state with a huge abolitionist population, the state of Kentucky was caught in the middle of Confederate and Union and supply both forces with thousands of troops. The state takes pride in producing some of the nation’s best whiskey, tobacco and horses. Among the state’s agricultural products are products like soybeans, corn, wheat, fruit, cattle, hogs and others. The state of Kentucky has a population of roughly 4,425,092 residents which makes it the 26th most populous state in the United States. The state is also the 37th largest in the country and has the longest cave system in the world. Nowadays, payday loans are becoming a go-to solution for most borrowers in the state ot Kentucky. Kentucky payday loans are available both online and in lenders’ stores.

Kentucky payday loans laws regulations

Kentucky payday loan laws regulations

Kentucky payday loan laws regulations

According to the Stat. Ann. 286.9-010 et seq law, payday loan lending in the state of Kentucky is absolutely legal and lending companies can conduct their businesses with no legal issues. That same law, however, applies certain restrictions in the finance charges and fees, as well as the allowed amount and terms of every loan. Moreover, the forms of payday lending other than check cashers are illegal in Kentucky. Different states have different regulations, and a strange feature with Kentucky payday loan law regulations is its statewide database. It allows monitoring of all payday interactions by the regulation authorities. So if necessary, they can find out all information regarding the loan quickly and easily. That measure leaves payday loan companies with no other choice but to follow the laws, giving them no chances to bypass it.

In the state of Kentucky, a borrower cannot take a loan that surpasses the amount of $500, and borrowers are forbidden from taking more than 2 loans simultaneously. The length of any given payday loan in the state of Kentucky must not be below 14 and above 60 days, no extensions are allowed.

Kentucky payday loans lenders

In the state of Kentucky, you can find a payday lender’s office in almost every city and also you can submit an application for one by going online and visiting a lender’s store on the web. The addition of online applications for payday loans has made it accessible even to people who are unwilling or unable to visit a physical store.

Taking out a payday loan in Kentucky is typically a great idea

Payday loans come with a number of benefits despite their reputation of being a risky choice for the borrowers.

  • They are easy to find

It is most likely that you have a lender’s store near your home or near the place you work. Otherwise, you can always submit your application online without even having to leave your chair.

  • Service is as fast as it gets

Service is as fast as it gets

Service is as fast as it gets

It is hard to find a lending option that can get you the money you need faster than payday loans. While you’d most likely have to wait days or even weeks when taking out a loan from a traditional bank, with payday loans you get your cash within hours, or ifo apply for your loan online, you are able to get your cash by the next business day.

  • It is ok if your credit isn’t too good

Having bad credit has always been something that makes people feel helpless when it comes to borrowing money. Kentucky payday loans could be a breath of fresh air for those who do not have a good credit score. This is because payday loan lending companies do not look at the credit score when deciding whether to grant you a payday loan or not. As long as the borrower is able to make his payments on time, he will probably be approved for a loan.

  • Money is yours to spend

Traditional banks tend to set restrictions on how you can spend the loan they are giving you. With payday loans, you have the freedom to do whatever you want with it. The only limitation is to not spend it on something illegal. You can use the money to pay for car repairs, fix the leaky roof of your house or settle medical bills.

Payday loans fees and charges in Kentucky

In case you thinking of applying for a payday loan in Kentucky, there are some things you may want to know to help you make a more informed choice.

  • APR

The annual percentage rate for a two-week $100 payday loan in the state of Kentucky cannot exceed  459%.

  • Interest

Kentucky payday loans interest

Kentucky payday loans interest

In Kentucky, Interest charges for every $100 borrowed should not be more than $15.

  • Finance charge

  • Finance charge on a $100 payday loan given for a period of 14-days cannot exceed $17.65
  • Collection fees

In case your payment has been declined in Kentucky, the lending company cannot charge you with more than one NSF fee. Moreover, it can only charge this fee if it clearly states in the loan contract that such a fee is applicable.

  • Rollovers

According to Kentucky payday loans laws, payday loan lending companies are strictly prohibited from rolling over or renewing the loans in case of nonpayment of the debt.

Payday loan requirements in the state of Kentucky

Payday loan requirements

Payday loan requirements

To be eligible for a payday loan in Kentucky, you must meet the following requirements:

  • You need to be at least 18 years old or older
  • You have to be an American citizen or a permanent resident of the US
  • To show you’ll be able to make your payments you need to have a steady income

To complete your application, you must provide the following information:

  • Your social security number, name and date of birth
  • Phone number, home and email address
  • Employment details and income status

Cities in Kentucky where you can find payday loan lenders:

  • Albany
  • Alexandria
  • Allen
  • Ashland
  • Barbourville
  • Bardstown
  • Beaver Dam
  • Benton
  • Berea
  • Betsy Layne
  • Bluehole
  • Bowling Green
  • Burkesville
  • Burlington
  • Campbellsville
  • Campbellsvlle
  • Caney
  • Carrollton
  • Centertown
  • Central City
  • Clay City
  • Cloverport
  • Cold Spring
  • Columbia
  • Corbin
  • Covington
  • Crescent Springs
  • Crown
  • Elizabethtown
  • Florence
  • Frankfort
  • Henderson
  • Hopkinsville
  • Lexington
  • Louisville
  • Nicholasville
  • Owensboro
  • Paducah
  • Radcliff
  • Richmond

 

 

Iowa payday loan laws overview

In the last ten years, Iowa payday loans are attracting more and more borrowers.

The French were the first Europeans to visit the area which is known as Iowa today in 1673. In 1803, The United States took control of the area as part of the Louisiana Purchase. Iowa became a state in 1846, with Iowa City as its capital. The state of Iowa is producing one-tenth of the food supply in the United States. Biggest industries in the state are food and associated products, electrical equipment, non-electrical machineries, printing and publishing, and fabricated products. Iowa is the 26th largest state in the US and is the 30th most populated state with a population of over 3,123,899.

What is a payday loan?

Payday loans are basically short-term loans and you have the obligation to pay back the loan by the time you receive your next paycheck. They are also known as cash advances.

Iowa payday loans laws regulations

Iowa payday loans laws regulations

Iowa payday loans laws regulations

Payday loan lending in the state of Iowa is legal and lending companies can operate freely according to Iowa Code Ann. § 533D et seq. Iowa payday loan laws do not apply many restrictions on the lending business. However, Iowa loans lending companies still need to operate within certain limitations. The maximum payday loan amount a borrower can take at any one time is $500. Borrowers in Iowa are not allowed to have more than two payday loans at the same time. The length of any given payday loan in Iowa cannot exceed 31 days and no extensions allowed. Lending companies operating in the state of Iowa are not allowed to charge more than $15 for a $100 payday loan in fees and finance charges.

Payday loan lenders in the state of Iowa

Iowa payday loans lending industry is growing very fast and that is easily visible even from the number of payday lenders operating in each state. The number of payday loan lenders in the state of Iowa has increased a lot in the last years and one of the main reasons for that is the addition of online lending. In the state of Iowa you can apply for a payday loan by visiting a lender’s on-ground store of visiting their website online. Payday loans are amongst the most popular web searches in the state of Iowa.

Reasons why taking out a payday loan in the state of Iowa is a really good idea?

There are many factors contributing to payday loan’s leading position in the short-term loan business race. Even though, there is always a certain risk surrounding that type of loan, it can also be quite beneficial:

  • It gives you options

It doesn’t matter if you want to apply for your loan online from the comfort of your home or want to visit an on-ground lender’s store, payday loans covers both. Which means that you can submit your application in the way that suits you best.

  • You don’t have to wait around

You don’t have to wait around

You don’t have to wait around

When something unexpected comes up, you can’t really afford to sit around, waiting for days or even weeks for your money to arrive. When you apply for a payday loan you can start spending your cash just hours after you have submitted your application. If you decide that applying online is the way to go, it might take one business day in order for you to get your money.

  • Having a bad credit is not an issue

While with traditional banks, having a bad credit can really mess-up your chances of getting the loan you need, with payday loans it is a whole different story. Payday loan lenders don’t really care what your credit score is, as long as you are able to repay the loan within your next payday.

  • Buy whatever you want

When you take out a payday loan, once you have the money in your pocket, you can pretty much do whatever you want with it, as long as it is not something illegal.

Iowa payday loans fees and charges

There are some things you might want to know before taking out a payday loan:

  • APR

The annual percentage rate for a two-week $100 payday loan in Iowa cannot exceed 433%.

  • Fees and charges

In the state of Iowa, Lending companies can’t charge more than $15 for a $100 payday loan in terms of fees and finance charges.

  • Collection fees

Collection fees

Collection fees

In case of a failed payment, in the state of Iowa, lending companies are allowed to charge an NSF fee of $15

  • Rollovers

According to Iowa payday loan laws, payday loan lending companies are not allowed to rollover or renew any loans in case of nonpayment of the debt, which makes rollover fees irrelevant

  • Early pay fee

In the state of Iowa, there is no penalties in case you decide and are able to repay your loan earlier than scheduled.

Payday loans application and eligibility in the state of Iowa

eligibility in the state of Iowa

eligibility in the state of Iowa

Now that you know what payday loans ups and downs are, it is time to look at the eligibility requirements you need to meet in the state of Iowa:

  • You are not eligible if you are below 18 years of age
  • You have to be a permanent resident of the United States or an American citizen
  • You need to have a good source of steady of income

In order for your application to be successful you must provide the following information:

  • Your social security number, name and date of birth
  • Phone number, home and email address
  • Details regarding your employment and income

Cities in Iowa where you can find payday loan lenders:

  • Algona
  • Ames
  • Ankeny
  • Bettendorf
  • Brandon
  • Burlington
  • Carroll
  • Carter Lake
  • Cedar Falls
  • Cedar Rapids
  • Centerville
  • Clinton
  • Coralville
  • Corydon
  • Council Bluffs
  • Creston
  • Davenport
  • Denison
  • Des Moines
  • Dubuque
  • Fort Dodge
  • Fort Madison
  • Glenwood
  • Indianola
  • Iowa City
  • Iowa Falls
  • Keokuk
  • Le Mars
  • Maquoketa
  • Marion
  • Marshalltown
  • Mason City
  • Missouri Valley
  • Muscatine
  • Newton
  • Ottumwa
  • Sioux City
  • Urbandale
  • Waterloo
  • West Des Moines

Iowa payday loans alternatives

Many borrowers have found the solution for their financial problems in payday loans. This, however, does not mean they are your only option:

  • You can ask your family for a loan;
  • A small loan from a bank is also an option worth considering;
  • Asking for advance pay from your employer can be exactly what you need;
  • Sometimes, creditors are willing to give you more time to pay your bills, so you might want to ask for that option;