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Payday Loans: Quick Payday Loans

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u>Kings Cash Advance, your #1 source for Quick Quid

——————————————————————————————————- What is a Cash Advance, Payday Loan, or Paycheque Loan?


A payday advance provides you with an unsecured, short-term cash advance until your payday. Customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-cheque fees and late payment penalties. With Kings Cash Advance you can apply for a payday loan online and have your advance electronically deposited to your chequeing or savings account.

What about Qualifying?

Qualifying for a payday advance is easier than qualifying for traditional credit. Kings Cash Advance & Quick Quid does not perform credit cheques. Your job and your paycheque act as your collateral. You only need to meet the following requirements:

Currently have a job (or receive regular income) Make at least £800 per month Are 18 years of age or older and a UK citizen Have chequeing account or savings account with direct deposit

Does the process take long?

Customers typically receive approval within hours of applying. Since the money is wired directly into your chequeing or savings account, you can usually have access to your funds the very next day


Kings Cash Advance | www.KingsCashAdvance.co.uk

What if I have bad credit, NSF’s, CCJ’s charge-offs or a bankruptcy?

Not a problem! Kings Cash Advance does not obtain a credit bureau report to qualify you for a cash advance payday loan.

What about collateral to receive a loan?

No. Your job and your paycheque are your collateral.

Do I need direct deposit?

Not necessarily, we can process your loan if your paycheque is direct deposited or a papyrus paycheque; these are the most secure ways to offer loans as quickly as we do.

Is there an application fee?

Kings Cash Advance never charges applicants a fee to qualify for a payday cash advance loan.

How often should I use this service?

Whenever an immediate or urgent need arises, Kings Cash Advance is here to help. It is important to remember that a payday cash advance loan is a short-term answer to an immediate cash need. Payday loans are not intended for repeated use in supporting an on-going budget situation from payday to payday. Repeated use or reliance on payday loans can create serious financial difficulties. If you need help with credit, budgeting or debt management, please contact the National Foundation for Credit Counseling at 1-800-388-2227.

How is the payday cash advance loan amount determined?

State law regulates and limits the maximum advance amount to between £100 and £500. Within that range, you qualify for a payday advance amount based on your current income

How are fees established?

Our fees are competitive and vary from lender to lender.

Why is there so much information in the Loan Agreement?

The Agreement is a contract that complies with all applicable state or federal disclosure requirements. It completely outlines the terms of the payday advance, including the cost of the service fee both as a dollar amount and as an annual percentage rate (APR).

How soon do I have to pay back the loan?

Payday cash advance loans are generally repaid back when you receive your next paycheque. The standard time for loan repayment is usually no less than seven days and no longer than eighteen days. Of course you may also pay back your loan at anytime without any prepayment penalties.

What if I can’t repay the payday loan in full on my due date?

We have different payment options available for our customers:

1. Paying the loan in full on the maturity date listed on your loan agreement*.

2. Paying the finance fee and a portion of the principle on or before the maturity date*.

3. Paying only the finance fee on the maturity date*. *Some additional terms and conditions may apply so it would be prudent to ask your loan consultant about

all of the repayment options.

Kings Cash Advance is the fastest way to obtain secure, online cash advance and payday loans. A payday loan or paycheque loan provides you with an unsecured, short-term cash advance until your payday. Paycheque loan customers choose payday advances to cover small, unexpected expenses while avoiding costly bounced-cheque fees and late payment penalties.  

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Payday Loan?

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payday loan

We are in need of some money until payday and I was wondering what payday loan website is good. I know some say payday loans are bad but they are only bad if you dont pay it back the next paycheck and my husband gets a bonus next week so we will be paying it back next week. Anyone have an idea of a good site?

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I have fallen into the payday loan trap and am looking for a way out. Any advice will be appreciated.

Passive Income
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Should States Outlaw Payday Loans?

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A payday loan is a relatively small dollar loan extended for a short period of time. A typical payday loan is for $300 to $500 and is repaid by the borrower on their next payday, usually in a matter of days or weeks. Rather than charge interest in any conventional sense, payday lenders typically charge a set fee based on the amount of the loan. For example, a $100 loan might cost the borrower a fee of $15. And that’s where the trouble begins.

A fee of $15 might not seem like much, but for a $100 loan that lasts all of two weeks, the annual percentage rate comes to over 350%. Lawmakers and consumer advocacy groups believe the APR is the proper and best way to measure the cost of the loan and seek to cap the APR payday lenders can charge. Just last week, the Ohio House passed a laws capping the interest rate payday lenders can charge to 28%. If the Ohio Senate passes the bill and it becomes law, it will effectively ban payday lending in Ohio.

There are at least three reasons why the Ohio bill takes the wrong approach to payday lending. First, using APR to assess the cost of a payday loan is misleading. There is a significant difference between charging a borrower $15 for a short term loan, and charging the same borrower 360% for a long-term loan. APR was designed to assess the cost of longer-term or revolving loans such as mortgages, car loans and credit cards. Its application to payday loans does not provide a meaningful assessment of the cost of the loan.

Second, laws that ban or severely restrict payday loans force consumers to turn to loan sharks and other “underground” sources for emergency cash. With the payday loan industry, state legislatures have an opportunity to impose sensible restrictions and to tax the profits of payday lenders. Driving the industry underground removes these oversight and revenue generating opportunities.

And third, study after study has shown that the use of payday loans in an emergency actually improves a consumers finances. The reason is simple. In these cases consumers are able to avoid foreclosures, evictions, or late penalties that can cause more financial harm than the cost of the payday loan. Removing this source of emergency cash would put many borrowers in far more financial jeopardy.

Where payday lending causes the most harm is with chronic repeat borrowers. These individuals use one payday loan to pay off the last, and find themselves in a continual cycle of borrowing that becomes nearly impossible to break. It is here that the state legislatures should focus their attention. And there are at least three protections legislatures should consider.

First, they should consider limiting the number of payday loans a borrower can obtain each year. Such a restriction would force repeat borrowers to break out of the payday loan cycle, while still allowing consumers to use payday loans in an emergency.

Second, state law makers should focus on the disclosures payday lenders must provide to borrowers. Information is power, and borrowers should fully understand the implications of their choices.

And finally, states should look to educate consumers about personal finance. Sound personal financial decisions can help avoid the need to access payday loans or many other sources of credit. Some states are instituting personal finance classes into the high school curriculum, a move that other states should follow.

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Payday Loan in Las Vegas:

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You can get Payday Loan In Las Vegas instantly. Availing Payday Loan In Las Vegas is very easy. You are to apply online by filling an online application form and few details about your past records ad the Payday Loan In Las Vegas will be in your account within few hours or the next business day. For Payday Loan In Las Vegas your age must be more than 18 years, you must have an active checking account at least 6 months old and your monthly salary must be more than $1000. If all the requirements are in your pocket then Payday Loan In Las Vegas will be in your account. Payday Loan In Las Vegas is the right option for the borrowers who are living in Las Vegas. Payday Loan In Las Vegas can be used for various purposes as pay the medical bills or other bills, debt consolidation, home improvement, car or bike repairing and many other options to use the Payday Loan In Las Vegas. Repayment process of Payday Loan In Las Vegas is very easy. You can repay the amount of the Payday Loan In Las Vegas within 7 to 30 days. Rate of interest is a bit higher than other loans because Payday Loan In Las Vegas is short-term loans. It is fact that financial problems can occur any time without any previous warning and at that time arrangement of the cash becomes very hard and at that time you can apply for the Payday Loan In Las Vegas. Payday Loan In Las Vegas is the right option of obtaining the cash. You are to search over internet and you will find many lenders who are ready to provide you Payday Loan In Las Vegas but you must read the terms and conditions of the selected lender carefully after that apply. Payday Loan In Las Vegas ranges from $100 to $1500 because Payday Loan In Las Vegas is also the member of the payday loans. Payday Loan In Las Vegas is the source of availing the hassle free cash. If you are having bad credit history and you don’t have any option of availing the cash then Payday Loan In Las Vegas will be the right option for you. Make your life hassle free apply for the Payday Loan In Las Vegas. All the financial problems will remove automatically and you will never feel under debt trapped by using Payday Loan In Las Vegas.

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Payday loans are a good emergency cash source, especially for those with bad credit records and a poor credit score. For those it would otherwise be next to impossible for them to find emergency cash other than put themselves at the mercy of loan sharks with exorbitant interest rates, and even worse penalties for being unable to make the repayments.

These penalties are more akin to 1920s Chicago mobster movies than 21st century society, but they exist nonetheless. Thank goodness, then, for regular payday loans that allow ordinary people to borrow money quickly to get themselves out of a hole. I know what it’s like because I have had to do it.

I shall tell you how I got my payday loan shortly, but first some reasons for needing one. Many people feel that they don’t qualify for a payday loan for one reason or another. Here are some of the factors that make them feel that way:

Reason 1: My need is not great enough so I will be refused.

Fact: Wrong! You need give no reason. Nobody will ask you why you want the loan, or if they do you can tell them to mind their own business since it has nothing to do with them. There is no requirement under consumer law for you to provide a reason why you want any loan, other than a mortgage that is provided at lower than normal interest rates. You can use a payday loan for a vacation, a wedding or to pay the kid’s school trip. You can even blow it in a bar or spend it on groceries.

Reason 2: I can’t pay it back next payday, so it’s not a payday loan and I won’t get it.

Fact: Wrong! You can ‘roll over’ your payday loan and pay it the payday after next. That will cost you extra in fees, but you can do it. However, try not to unless you are waiting for somebody’s life insurance to come through and you have expenses to pay.

Reason 3: I have a bad credit record, and my credit score is shot. I will never get a loan.

Fact: Wrong again! Most payday loan companies don’t carry out a credit check. If they do it might only be to set your fee. Let’s face it. If you had good credit then you would use a credit card, not get a payday loan. So very few seeking emergency cash have good credit.

Reason 4: I don’t own a house or a car so have no security.

Fact: Wrong! Your regular wage is your security. If you fail to pay then the lender can get a court order against your pay, and your employer will have to pay the lender before they pay you.

Reason 5: I have no job or bank account, so I won’t get a payday loan.

Fact: Right at last! Your job and paycheck is the security you provide that the loan will be repaid – see reason 4 above. Also, the loan is paid into your bank account so without one you cannot get the loan. You can get secured loan on your house or any belongings of worth, but not an unsecured loan. Most unsecured loans are actually secured against your income and your employer is served a court order to pay the lender before they pay you, even if that is the whole of your paycheck!

However, don’t let that last paragraph worry you because very few lenders go that far without good reason. Your loan can roll over until you have enough money to pay it, and some of the better lenders place a limit on the rollovers that attract extra fees. Some stop them at two, and give you time to get yourself together and make the repayment.

Many people bless payday loans because they provide the emergency cash needed to help them out of a difficult situation. I did, and although I am no longer in that situation, I desperately need short term emergency cash and applied for a payday loan from a company known in the UK as Payday. Here’s how my application went.

I needed the equivalent of $700, so I went for no more than that (never get a payday loan for more than you need). I found the company online and started to fill in their online form. The usual at first: name, address, date of birth and so on. I was waiting for the awkward questions: income, expenditure, credit card details, how many other debts I had and so on, but they never came.

Income, sure, since that has a bearing on how much you can borrow on your payday loan. Nothing about credit cards, credit rating, expenditure or other loans. Nothing! I could be owing the Bank of England to Monte Carlo, but they weren’t interested.

My employers name and address and telephone number – that’s fair. The amount needed and my bank account details. Click ‘Submit’. I did that and waited for the credit check. But no – a few minutes later I got a call from the company reception desk. It was an outside call for me that I took: it was the payday loan company just checking that reception could transfer the call to me, signifying that I did really work there.

About 10 seconds later I got an email confirming the loan, and the cash was deposited that very day. How easy was that! It was not only unbelievable, but completely friendly, non-condemnatory and efficient. I could as easily have been ordering a bouquet of flowers for my wife. But that’s not all.

It was to be paid on the 30th of the month (I borrowed on the 2nd) but I couldn’t pay it because although I said the 30th, I actually get paid on the last day of the month, and this was March with 31 days. I had made a mistake, so I phoned and told them and they said no problems: they put it back a week to the 6th of the next month to give me time at no extra charge.

To me, payday loans are a great way to get fast emergency cash as long as you understand the high fees. I paid 25% on the loan which, although high, was fine for me because it solved a serious problem. I was 100% happy, and that is what payday loans are for. Not for buying a car or any other normal need for finance, but for real emergencies.

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Does anyone know if a payday loan company can sue your employer under section 18 USC

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payday loan

ok well i have this opportunity to buy this car a 99 honda civic with only 100000 miles for 2500 dollars. and im only 18 and i need a small loan of 1000 dollars but not a payday loan. i see alot of people say there bank but i just opened up my bank account. were can i get this loan. o yea and i dnt have a credit history.

Passive Income
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How hard is it to get a payday loan?

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Would it be hard to get a payday loan if you filed for bankruptcy and credit sucks? I filed for bankruptcy over a year ago–it was discharged…before i filed i was up to my next in payday loans==four different companies. Would that affect me now for getting a payday loan? I suppose if i didnt go through the same companys as i did before like cashtree for instance i would be okay….what do you think? I need a loan for 400 dollars.

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