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Archives for 2011

Who is a Typical Payday Loan Customer?

October 27, 2011 by Zippy Payday Cash Loans Leave a Comment

Who is a Typical Payday Loan Customer?

Old Payday Loan StoresGrowing up I thought a payday loan, cash advance or cash loan of any type, was meant for the poor. When driving through the urban parts of Los Angeles it’s typical to see payday loan stores. It’s easy to spot a cash advance store by the opaque windows and doors, and signs saying “fast payday loans”, “quick cash” and “cash now.” When seeing these lenders, I would imagine the types of people who would take out a payday cash loan. I pictured the same people you see in line at the welfare offices or using food stamps. The general assumption of the types of people who take out a payday loan are similar. We imagine unemployed, low income, lazy individuals in need of cash to cover expenses which they can’t afford due to irresponsible behavior.

Image of Payday Loan Customer is Outdated

That image of the payday loan customer is outdated, and unrealistic in today’s world. In order to apply for a payday loan, the borrower must be employed with a steady income, have a current bank account, and valid telephone number. This makes it impossible for a homeless person or unemployed individuals to borrow cash from a payday loan lender. The economic recession of 2008-present has left behind a path of financial instability for many Americans. There were the college graduates who were introduced to the “real world” with an inflated job market, no job creation, and layoffs affecting thousands. Not to mention the kick start of their student loan payments. Then there were the CEOs, Vice Presidents, and other upper management employees who were laid off in order to cut costs. Let’s not forget all of the other thousands of employees who were laid off across the country. In the years since the recession there has been very little job creation, salaries are stagnant, our country’s credit rating has declined, and economists suspect a double dip recession in the horizon. Meanwhile, the cost of living has increased. Food, gasoline, and utility prices have all increased in the years since the initial recession hit. Now, who do you think is is a typical payday loan customer?

Payday Loan Customer Applies and Receives Cash Via the Internet

payday loan customer direct lender loanAll of these factors and more have changed the demographics of the types of people who apply for direct payday loans. Another factor is the changed image of the cash advance industry, and the ability for the payday loan customer to apply for and receive cash loans via the internet from direct payday lenders. With direct online payday loans, anyone who is over the age of 18, employed, with a bank account and valid telephone number can apply with anonymity. You no longer have to visit a seedy shop located in a strip mall in the urban part of town to receive a direct cash advance loan. Payday loan consumers can apply for a direct cash loan from direct lenders and from the comfort of their home, or via a cell phone. The applications are 100% safe and secure, and the direct cash loan is approved instantly. The cash is then wired to the payday loan customers account within one business day or sooner. The ease in which a person can apply for a cash loan from a direct lender, and economic factors have changed the face of the payday loan industry.

Typical Payday Loan Customer, Not Typical At All

According to the Community Financial Services Association of America, the payday loan customer demographics go against the stereotypical cash loan borrower image. According to a study conducted by Georgetown University, and published by the CFSA, the majority of payday loan customers are in the middle-income category. Specifically, the majority of payday loan customers make between $25k and $50k a year. The typical payday loan customer is also middle-educated, with 90% of borrowers possessing a high school diploma or greater. Fifty-four percent of payday loan customers have some college under their belt or a degree. Thirty percent of payday loan customers own a home, fifty-four percent possess major credit cards, one hundred percent have steady incomes, and one hundred percent have a checking account. The majority of payday loan customers are married, 63% have children, and 53% are under the age of 45.

As the economy changes, so do our perceptions of the working class. Short-term loans offer a temporary solution to financial difficulties. When credit cards, and other options are not within reach or take way to long to pay off, a small payday loan between $200 and $1500 can go a long way.

Who is a Typical Payday Loan Customer, By Ray West
Direct Payday Lenders Online

Direct Payday Lenders Online

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Is Your Spouse Financially Cheating on You?

October 16, 2011 by Zippy Payday Cash Loans 1 Comment

Credit and Debt Services

Is Your Spouse Financially Cheating on You?

It used to be all a girl had to worry about was whether or not her man was cheating on her with his secretary. Times have changed! it’s no longer searching for lipstick stains, but searching through bank account statements. According to the National Foundation for Credit Counseling, 24% of participants in a recent study would not share their financial difficulties with their spouse. Why is hiding financial hardship so popular? Do you know if your spouse is financially cheating on you?

There has always been a stigma attached to those who are not financially responsible. You never want to run around telling the neighbors that your house is in foreclosure or that your car is about to be repossessed, but what about your spouse? Shouldn’t they be privileged to the information regarding their standard of living? This phenomenon is not an issue only pertaining to married couples either. A friend of mine was dating a really nice guy, but by the second month she couldn’t take it anymore. Every time they went on a date he would take her to a fancy restaurant, then proceed to order the cheapest item off of the menu. If you have ever eaten at an expensive restaurant, you know the look you get from a server if all you order is a side salad and a water. When he ordered something cheap, she felt obligated to do so as well. There they were at a beautiful highly publicized restaurant eating a cup of soup, and drinking water. Meanwhile diners all around them were enjoying filet mignon, and sipping red wine. Spouse financially cheating is something that should be avoided so both of you can be working on correcting your finances together.

Spouse Financially Cheating on You could be Your Love$ Secret

spouse financially cheatingShe couldn’t understand why he was taking her to these types of restaurants if he couldn’t afford it. Finally he broke down one day while they were out, and confessed to her that he made less than she did. She was astonished at how little he made, being that he was able to pay rent at an expensive complex, pay student loans, and take her out every other night. The truth was he couldn’t afford it, and was racking up credit card debt. Out of the 24% surveyed in the study, 8% said they wouldn’t share the debt with their spouse because the spouse didn’t know about the debt when they entered into the relationship. Seven percent of those surveyed said they kept their debt a secret, because they felt it would damage the relationship. Nine percent of those who said they would keep their debt a secret, because they wouldn’t want the other to worry about it. Spouse financially cheating does not mean they are purposfully hurting you but most likly just too embarrased to come clean.

Spouse Financially Cheating – Payday Loans can help if used responsibly

Using a credit card or online payday loan to pretend you have money isn’t a good idea in the long run. Eventually you will run out of credit, and the truth will come out. Don’t get caught in a debt cycle. Just be up front and honest about your financial situation. There are instances where cash loans can come to your rescue, but these short-term loans should be used a temporary solution to an emergency financial situation. If you didn’t budget for an important date, but need the cash last minute you could take out a cash advance online, but be sure to pay it back with your next paycheck. There are fees and interest associated with online payday loans, just like there are with credit cards.

Is Your Spouse Financially Cheating on You, By Heather Wilson

Zippy Payday Cash – Spouse Financially Cheating – Online Payday Loans, Credit & Debt Services, Personal Financing…..

Filed Under: cash loans, Loans, online payday loans Tagged With: 1 hour loans, cash advance online, cash advances, credit & debt services, credit and debt services, lines of credit, online payday loan, pay day lending, payday lenders, Payday Loan Reviews, personal financing, short-term loans

Getting a Direct Payday Loan from a Reputable Lender

September 24, 2011 by Zippy Payday Cash Loans Leave a Comment

direct payday lenders

Getting a Direct Payday Loan from a Reputable Lender

When a little less stress is what the doctor orders, where do you start? You might have a lot of stress in your life right now, but one of the worst types of stress is financial worry. This is the main appeal of the direct payday loan, which reduces this type of stress almost immediately. If you’re struggling with money right now, you are probably sitting up straighter with interest. After all, getting free money is impossible, but getting a loan can seem even harder for many people.

You might need a direct payday loan from a reputable and licensed lender if you’re worried about the short term consequences of not having enough money, stressing to the point where you can’t concentrate on anything, or simply can’t survive without extra money. For instance, if you have to pay for a car repair so that you can get to work, there are no bus routes to your work place, and you don’t have the cash in the bank for it, this would count as not being able to survive without it.

A direct payday loans is a small sum of money that comes directly to you from the lender and is given to you in exchange for an agreement to repay it on your next payday (unless you extend), plus any interest and fees. If you need between $100 and $1,500, a direct payday loan from a reputable licensed lender should be able to fulfill your need, as this range is fairly typical for a payday loan. The term of a payday loan is shorter than almost any other type of loan, as most people get paychecks every week, two weeks, or month. Most lenders give you extensions which will allow you to extend the terms of the loan for up to four paydays or more, but doing so will likely mean you have to pay more fees.

reputable licensed direct lenderLooking online will help you find the best selection of lenders at the greatest convenience to you. Once you have been provided a few lenders who are willing to lend to people in your area then read further and you will find the loan that is right for your current needs. Quickly apply for direct payday loan, as the sooner you apply the sooner you’ll have the cash in hand. Remember to look through the offers provided to find the loan that is right for you. Apply for the best one, and you’re on your way to having more money fast.

It’s not hard to get direct payday loans from reputable licensed lenders, in fact its a snap. Getting the loan you need almost immediately decreases your stress levels. If all you want is to breathe a little easier in the short term, a direct payday loan can help you smile more today and spend more tomorrow.

Direct Payday Lenders
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Posted by Zippy Payday Cash – Zip, you’ve got cash!
www.zippypaydaycash.com
Getting a Direct Payday Loan from a Reputable Lender, By Scott Lobo

Filed Under: direct payday lenders, direct payday loan, Loans, reputable and licensed lenders, reputable direct payday lenders, reputable lender Tagged With: 1 hour loans, cash advances, lines of credit, pay day lending, payday lenders, Payday Loan Reviews

What are Your Options When you Need a Long Term Payday Loan?

September 11, 2011 by Zippy Payday Cash Loans Leave a Comment

long term payday loans

What are Your Options When you Need a Long Term Payday Loan?

With some online payday loan lenders, finding long term payday loans might be easier said than done. For many people that need emergency cash, finding a short-term payday loan is usually pretty easy, but what do you do when you need a long term payday loans solution? Well, there are regular payday loans and installment loans available at Zippy Payday Cash. What you might be supprised to know is that it is easier than you think to find the long term payday loans solution you need because you can always get a regular payday loan and make it a long term payday loan by paying a fee and extending (renewing) the loan or you can pay down some of the principal balance while you extend the loan.

Most people don’t realize that payday loans can be paid back with your next paycheck or you can borrow the money longer, for a fee, as long as you extend (renew) the loan thereby makeing it a long term payday loan. To extend the loan you must log on and file and extension with the lender before the loan comes due. While some payday loan lenders may require a certain percentage of principal paid down, there are others that offer long term payday loans, where you just extend the loan and pay the fee.

installment loansIt is always advised that you use payday loans as a short-term solution to an emergency cash need, but you can find long term payday loans or installment payday loans that allow you to budget them much easier. For most people, when there is an emergency cash need between paydays, it can be hard to budget paying back the loan. But, with long term payday loans or installment payday loans, you can stretch the repayment terms to fit your budget. You can extend payday loans, but you shouldn’t consider the payday loan a solution to a long-term financial problem. While long term payday loans and installment payday loans allow you to make smaller repayments, you will be charged a fee each time you extend the loan. For most people, long term payday loans might be easier to obtain than any other forms of borrowing. So if you need to fix your car or take care of a medical emergency and need additional time to repay the loan then consider getting a payday loan and extending the loan before the payment is due.

Payday loans are quick and easy to obtain, yet you need to budget their repayment carefully. You need to be sure you repay the loan as you agree and it is always better to pay the loans back as soon as you are able, but if you need a longer repayment period, it is helpful to know that there are installment loans available and that regular payday loans can be used as long term payday loans, should you need this option.

– Get an Extendable Payday Loan or Installment Loan! –

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What are Your Options When you Need a Long Term Payday Loan, By Scott Lobo

Filed Under: installment loans, installment payday loans, Loans, long term payday loans Tagged With: 1 hour loans, cash advances, lines of credit, pay day lending, payday lenders, Payday Loan Reviews

Do You Think Your Stuck with Zero Payday Loan Options?

August 22, 2011 by Zippy Payday Cash Loans Leave a Comment

Do You Think Your Stuck with Zero Payday Loan Options?

zero payday loan optionsThere are some people that mistakenly believe they are stuck with zero payday loan options because they may have bad credit and nobody to turn to, when they need money between paydays. If you think your stuck with zero payday loan options, it can be helpful to know you have a place you can turn. For one thing, Zippy Payday Cash has access to payday loan options you should consider. Even those with bad credit that believe they have zero payday loan options can qualify for atleast some payday loan options; like those that involve no credit checks, assuming they meet the basic eligibility requirements. If you are facing an emergency, such as a car breakdown or a forgotten utility bill, and believe you have zero payday loan options and your employer doesn’t offer cash advances on your paycheck then you need to investigate these opportunities that are available.

Remedy Your Zero Payday Loan Options Crisis

For one thing, those that believe they are stuck with zero payday loan options might be surprised to find out how quick and easy the entire process can be. If you are eligible, the application is simple to complete online and documents can even be signed electronically, in some cases. If you need cash right away and believe you are faced with zero payday loan options, you will be amazed at how simple it can be to remedy your situation quickly and without embarrassment or inconvenience.

Payday Loan Options Right from Home

Everything can be done from your personal computer so you will not even need to leave your home to get the money you need to repair your vehicle or pay that utility bill that got overlooked. If you think you have zero payday loan options then you’ll not only be supprised that you do have online payday loan options but how affordable they can be as well. Often the fee will be cheaper than finding alternative ways to get to work or paying reconnection fees. Most people that believe they have zero paday loan options are surprised to find how much easier online payday loans can make their life, when faced with an unexpected cash emergency. There is no reason to hesitate, if you think you have zero payday loan options try us and find out that there are options to get the extra cash you need in an emergency through our online payday lenders for people that have bad credit or no credit.

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You may be experiencing unnecessary stress and worry, when you think you have zero payday loan options, but you might have more options than you realize. If your facing an emergency situation and need extra cash, you can get the money you need without any hassles and often you can have it in your bank account by the next business morning.

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Posted by Zippy Payday Cash – Zip, you’ve got cash!
www.zippypaydaycash.com

Filed Under: Loans, online payday loan options, online payday loans, payday loan lenders, payday loan lending, payday loan options, zero payday loan options, zippy payday cash Tagged With: 1 hour loans, cash advances, lines of credit, pay day lending, payday lenders, Payday Loan Reviews

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