Showing posts with label payday cash loans. Show all posts
Showing posts with label payday cash loans. Show all posts

Friday, December 9, 2016

Credit Problems? Look No Further for Personal Loans for Bad Credit!

Credit Problems? Look No Further for Personal Loans for Bad Credit!


If you are one of the millions of people in our country who are living with bad credit, you know how hard and even embarrassing it can be to try to get a personal loan. Sitting in the loan officer’s office while they read over your credit report, making circles and marks with a pen – isn’t that the very definition of anxiety? We have credit problem for a variety of reasons – some of us made mistakes when we were younger and didn’t understand the importance of keeping a good credit record, others had something happen such as a job loss which affected our finances, and still others were the victim of circumstance. Nobody else might want to let you borrow money, but personal loans for bad credit are available – what’s more they are easy, fast, and convenient. Have cash in your bank account tomorrow!

What are the Requirements for Personal Loans for Bad Credit?


You might think that in the place of the requirements for good credit there would be some other kind of requirement in its place – collateral, credit references, financial statements – but none of this is the case. Lenders who offer personal loans for bad credit have simply created their own proprietary set of criteria with which to determine how much in funding they believe each applicant can reasonably repay based on factors such as their employment history, current job position and income. Nearly everyone will qualify to borrow some amount, as long as they meet the basic program requirements – applicants need to be 18 or older, and a citizen, and have a job earning at least $1000 per month. If you meet the income requirement but work more than one job to do it, it’s important that all the needed information be present on the application form, so that it doesn’t appear to the lenders that your income is below the minimum.

Here’s How To Apply for Personal Loans for Bad Credit


One of the best things about the recent advancements in technology is the ease with which we can do things that used to be complicated and take a lot of paper and legwork. One of the reasons that personal loans for bad credit can be so easily and quickly acquired is that the whole process is completed online. Just head over to the website and follow the directions where it says Apply Here. You’ll provide some basic personal information, contact info for your current employer, and your bank account information so the lender can deposit your funds directly. Once you click Submit, the data will be transmitted securely to the lenders – and this happens 24 hours a day, you can apply any time at all! – who will evaluate and match your qualifications up with the best possible loan product for your needs. They’ll send you a loan agreement right there in your browser, which you can review to make sure you’re completely aware of the fees and terms that you’re agreeing to. Sign with the electronic signature instructions provided, and you’ll be on your way to having cash deposited to your account and available as soon as the next business day! It’s that fast, that convenient, and that simple – what more could you ask for?

Monday, July 11, 2011

Considerations and Guidelines for Selecting a Trusted Online Lender

bbb licensed payday lendersIn response to recent statements from the Better Business Bureau which warned potential online payday loan borrowers of the possible dangers of procuring online payday loans from un-licensed lenders. Since ZippyPaydayCash.com only uses reputable and licensed lenders we have decided to release the following guidelines to help assist potential borrowers in their search to find safe online payday loan lenders. There are many trusted and safe payday cash loan sites on the Internet today, but knowing what to look for when searching for an online loan can prove to be the best method of avoiding possible encounters with unscrupulous lenders.

Some Considerations and Guidelines for Selecting a Trusted Online Lender:

Know where you found the lender from – Many of the customers who have complained about, or have had problems with online lenders, don’t really know where they found the lender from. Always beware of how you got to a lender’s site. For example, if you have found them on the 1st page of a Google search of “online payday lenders” chances are that they are reputable and licensed lenders.
Is the lender licensed? – If the online lender is one of our direct and licensed lenders, meaning that they are directly lending you cash and are also officially licensed by your State, you should have leverage if you ever have a real problem with that lender. To be certain, you can always ask for the lender’s license number (usually listed on their site) and verify it against your State’s database. This really doesn’t take long to do, and will ensure that you are in fact working with a safe and licensed lender.

Beware of “Lead Generation” sites – websites claiming to find you the "cheapest loan available” through their “vast database of lenders” should be considered an immediate “red-flag” (meaning they do not directly lend any money, they are only selling your information to a lender). Of course, not all of these lead generation sites result in problems with your loan, but since they are not directly lending you money, it can be difficult to find contact info for your actual lender. In our experience, it is best to stick with a direct lender.  Further, these sites send your information to many different lenders causing you to be inundated with loan offers and cause your credit to be flagged as being submitted to many different lenders.

Contact customer service – Make sure that customer service exists, and is there to service you if you ever have a question or issue. Sites that are attempting to “scam” you, will generally not have a customer service center that you can contact, and in place will have an email contact only. If you are taking out a payday loan and giving out personal info over the Internet, you will want to have access to an actual customer service representative. While ZippyPaydayCash.com is not a lender we do not sell your information to lenders, we only have a select group of reputable online lenders in our network and we let you select the lender based on what they offer that fits your needs. All of our lenders have been evaluated to ensure they are honest, licensed, secure, charge reasonable fees and do not hide additional fees in fine print.

As a broker of direct and trusted online lenders, ZippyPaydayCash.com strives to provide their customers with the information and knowledge available to find a safe and secure loan when needed. We will also inform you as to when a short-term loan can actually help a financial situation and in which situations a short-term loan should be avoided.

To find out more, check out other entries on our ZippyPaydayCash.com blog.