I am adding a new payday loan project where I am covering each state and what they allow and not allow in the payday loan /  cash advance industry.  It should be an interesting project on how the different states look at short term loans and how there seems to be issues with government and finance industry that provides a service to consumers. Here the link to the Payday Loans by State

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This is that post where some social networking sites require you to put code on your site for them to verify that you own that blog.

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Now you get to see both the secret code and the money.

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Around the first 4 months of the year the Payday Industry seems to have a slow down in loans. I believe this to be the case of my fellow being utilizing the age old practice of getting a tax refund. Well to go with the flow so to speak, payday loan outfits will cash you government refund checks for a small fee. This is not like getting a payday loan, but it is something to keep customers coming back into the business. Now the big tax rush is over it should be business back to usual in the industry.

Payday loan terminology

Credit rating: – Your credit rating that shows your historical ability to pay off your debts or loans. It is kind of a grading or ranking that is provided by credit agencies.

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Terminologies or facts that will confront you when you apply for a payday loan. Some of the most commonly used terms in today’s payday loan industry.

Accrued Interest: Interest that you will incur that is yet to be paid or charged.

Appreciation: Increase in value of an asset.

APR (Annual percentage rate): Interest rate is always reflected as a yearly rate.

Credit Agencies: – Organizations that collect a consumer’s credit information and supply it to potential lenders

Credit History: – Provides any information regarding a borrower’s previous credit activities regarding any kinds of repayment or timely payment of debts. It acts as a risk guide to any potential lender that checks your credit

Credit rating: – Your credit rating that shows your historical ability to pay off your debts or loans.  It is kind of a grading or ranking that is provided by credit agencies

Credit Report: – It is a report about your credit history. It is a list all of your past debts , address, job, social security info and payment history

Default: The act of failing to pay a financial obligation

Interest: Interest is a surcharge on the repayment of borrowed money

Interest Rate: The rate at which the interest is charged, expressed as a percentage or APR (Annual Percentage Rate)

Liability: A financial obligation, or the cash outlay that must be made at a specific time to satisfy the contractual terms of such an obligation or loan

Lender: Individual or organization that provides the loan against a specific interest charge.

Loan: Money borrowed that is usually repaid with interest.

Loan Application: Documentation to be completed by the borrower which provides the lender with all the necessary personal and financial information about the borrower

Monthly Payment: The amount consisting of principal and interest paid to the lender on a monthly basis.

Principle Amount: The original amount of the money borrowed from a lender. This does not include interest or fees

Renewal: An extension of the loan period on an item, granted to the current borrower

Repayment: Payment of a debt or obligation

Rollover: A term often used by lenders when they allow a borrower to delay making a principal payment on a loan

Tags: Terminology, Terms of payday loan industry

When it comes to paperwork, most of us do not like it. Whenever we have the chance to avoid it we do. This come true with business transactions also. When you get a payday loan from a brick and mortar payday cash loan lender there is mountains of paperwork involved when acquiring a payday loan and more paper work if you will be renewing a payday cash advance before you receive your money from the payday loan lender. This is good for a paper trail in case there are ever issues that come up and the local governments require certain documents that are required when making payday loans.

Payday loans online is a little different in that the payday lender still requires some paper work to a certain degree, but you can scan them and email them to the online payday lender. When I did one of my online payday loans, I had to fax in the pay stub and copy of drivers license to get the cash advance loan. That was fine with me, very little paperwork compared to anything else. I am all for less paper work but there will be legal reasons that payday lenders still require when giving out a payday loan. You have to know who this person is. As more people have access to technology like scanners the dependence on paper will shrink.

In the near future or now whichever comes sooner,    we will have a id card with an electronic chip in it with all our information we want loaded on it and maybe the payday loan industry would all allow you to swipe it like in a credit card machine and they could pull the information about you that they would need. You can pull data from your drivers license now.

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It has been a while, a few years to be exact when I needed a payday loan. The experience was interesting. You had to bring in a bank statement, a pay stub, drivers license, I believe I had to bring a power or water bill. Once you hang out for thirty minutes while manager checked your payday loan application, called the phone numbers like your cell phone, home phone and work phone. This was to make sure your information was correct. All this was done before you could get money from the cash payday loan company. You make out a check for the borrowed amount including the interest they are charging you, a little high, but quickness is what matters here, to get a cash loan quickly. Once they take the check you sign three or four pieces of paper, the clerk will make sure you understand when the loan is due back and must bring in cash. Quick request, fast payday loan. The one thing you need to make sure is the money that you borrow needs to be repaid in cash money of the full balance by your next paycheck. Simple.

Well….almost when your realize that money on your next check to say pay bills or your house loan. What happens to some is they keep, what I call rolling over and getting another payday cash loan, you are just paying interest and you get the loan money back. This the last thing you want to, due to the very high interest rate. If you do the payday cash loan roll over for a few times then it might become of a weekly routine to going and get some more cash.

I was glad to get out of that cycle. I did have to go back and get another cash payday loan several months after, when I need it. It is great to have $200 dollars up to $1500 quick cash payday loan ready when I need it.

Find yourself a Payday loan.

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