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WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

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Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Tuesday, January 15, 2013

Do You Know Which Loans For People With Bad Credit Are Right For You? Test Yourself


Loans for people with poor credit are designed for all types of purposes, from obtaining the money for an emergency all the way to securing the funds for a house. How savvy are you when it comes to understanding how a loan for people with bad credit works? Take the following quiz and find out.

You need a loan to pay off some credit card debt; however, you don't own your own home and are on the brink of bankruptcy. Which of the following loans is the best choice?
(a) Home loans for people with bad credit
(b) Personal loans for people with bad credit
(c) Student loans for people with bad credit
(d) Car loans for people with bad credit

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Answer: (a) Personal loans offer many opportunities for an individual to consolidate their debt, especially if they have a poor credit score and do not own their own home.

What are the two basic criteria lenders use for granting mortgage loans for people with bad credit?
(a) The presence of collateral and whether or not you've had bankruptcy
(b) How many times you've been a late pay and your FICO score
(c) Your debt-to-income ratio and loan-to-value ratio
(d) How many times you've defaulted on past loans and your current income

Answer: (c) Your debt-to-income ratio and loan-to-value ratio. In other words, the more money you make over your incurred debts and the home's value compared to the requested loan amount are both primary factors in considering mortgage loans for people with bad credit.

What factor will cause a lender to be more understanding with regards to past defaults or judgments?
(a) You forgot to pay a couple utility bills
(b) You had to file bankruptcy
(c) You were laid off
(d) You failed to make only a couple credit card payments

Answer: (c) You were laid off. Typically, if a default or non-payments of bills occurred when you were laid off, lenders will look on this as not being necessarily your fault with regards to any delinquency.

How long of time are most bad credit auto loans for?
(a) 5 years
(b) 2 to 3 years
(c) 3 to 6 years
(d) 1 to 4 years

Answer: (d) Most lenders will finance a poor credit auto loan for 1 to 4 years.

Which one of the student loans for people with bad credit is a subsidized loan offered to needy students?
(a) The Stafford loan
(b) The Perkins loan
(c) Federal Pell grant
(d) Loans for Disadvantaged Students

Answer: (a) The Stafford loan is a popular loan which is offered as a subsidized loan for students in need and unsubsidized to anyone else. The subsidized loan pays the interest on the loan each month while a student is attending college and extends this payment out to the six-month grace period from the time a student graduates until the time they must repay the loan.

So, how did you do? Hopefully the above quiz answered some of your questions and will help you in your search for the right loan for your particular circumstances.


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