Shoe industry earnings – PW Minor Sun, 31 Oct 2021 13:49:58 +0000 en-US hourly 1 Shoe industry earnings – PW Minor 32 32 Wonga, Cash America International, Wage Day Advance, DFC Corp, Instant Cash Loans, MEM Consumer Finance, Speedy Cash, TitleMax, LoanMart, Check `n Go, etc. – The host Sun, 31 Oct 2021 10:20:18 +0000 Introduction and scopeComprehensive and sequential study of Payday Loan Services market provides end-to-end, validated and well-documented study report aggregating key aspects of Payday Loan Services market comprising supply chain, sales and marketing, development and cost of products or projects. structure. The study effectively integrates a balanced qualitative and quantitative analysis of the overall Payday Loan […]]]>

Introduction and scope
Comprehensive and sequential study of Payday Loan Services market provides end-to-end, validated and well-documented study report aggregating key aspects of Payday Loan Services market comprising supply chain, sales and marketing, development and cost of products or projects. structure. The study effectively integrates a balanced qualitative and quantitative analysis of the overall Payday Loan Services market that breaks down into individual component item supported by a similar analytical approach. The study report is incorporated into Future Forecast as a research focal point with all the analytical data directed to the growth projections and market estimates representing the Payday Loan Service Market report.

Landscape and supplier profiling:
Cash America International
Payday advance
DFC Global Corp
Instant cash loans
MEM consumer finance
Fast cash
Max Title
Check `n Go
Finova Financial
TMG loan processing
Just military loans
Mutual Money
Allied cash advance
Payday the same day
Loans Loans

We have recent updates of the Sample Payday Loan Services Market [email protected]

The research article focuses on the qualitative aspects by relying on the factors to theoretically base the predictions related to growth. Evaluating the most important driving factors and their influence on scales and growth models allows an accurate estimate of potential opportunities. On the other hand, an accurate assessment of the major restraining factors highlights key aspects of the industry restricting the growth rate of the Payday Loan Service Market. Furthermore, the study examines recent industry trends and popularizes megatrends of varying nature, understanding their exact impact on the growth of the payday loan services market in terms of increasing revenue and demand.

Market Segmentation: Payday Loan Services Market

Product-based segmentation:
Platform financial support, off-platform financial support

Segmentation based on applications:
Staff, Retirees

Browse Complete Report With Facts And Figures Of Payday Loan Services Market Report At @

The research extends to determining the response of payday loan services market dynamics to the brutal effects of the COVID-19 outbreak. The study assesses the impact of the unprepared environment and the drastic slowdown in business activity due to the implementation of constant lockdowns around the world. the sharp fall in market demand as well as crippled production capacities have devastated the payday loan service market considerably. The study report also captivates the crucial changes triggered by the pandemic transforming the business models of the Payday Loan Service market. It also reviews the difficulties caused by the strict government regulations deployed by governments to counter the deadly effects of the epidemic.

Regional assessment and diversification of segments.

North America (United States, Canada, Mexico)
Europe (UK, France, Germany, Spain, Italy, Central and Eastern Europe, CIS)
Asia Pacific (China, Japan, South Korea, ASEAN, India, rest of Asia-Pacific)
Latin America (Brazil, rest of LA)
Middle East and Africa (Turkey, CCG, Rest of Middle East)

Additionally, the Payday Loan Service market research provides definitive analysis through granular assessment of the competitive ecosystem of the industry. It efficiently compiles highly relevant industry data projecting the significant contributions of major market players to strengthening the commercial presence of the Payday Loan Service market. the study also traces the relationship between demand and supply of individual competitors by analyzing the largest and smallest capacities. The study integrates an in-depth assessment of specific growth initiatives and business development strategies along with infrastructure capabilities increasing the growth prospects of the Payday Loan Service Market.

Highlights of the report
• The report includes country-specific growth projections for the Payday Loan Services industry over the next five years.
• The payday loan service products or services by region request data.
• Regional insights into the payday loan services market.
• Information on market shares.
• Application and product information including revenue in millions of dollars from 2015 to 2025.
• Supply and demand analyzes are provided in the report.
• Value chain analysis and stakeholder analysis are provided in the study.
• The report covers major geographies including Eastern Europe, Western Europe, North America, Middle East, Africa and Asia Pacific.

Apply before purchase @

About Us:
Orbis Research ( is a one-stop shop for all of your market research needs. We have a large database of reports from leading publishers and authors around the world. We specialize in providing personalized reports according to the requirements of our clients. We have complete information about our publishers and are therefore confident of the correctness of the industries and verticals of their specialization. This helps our clients to map their needs and we produce the perfect market research required for our clients.

Contact us:
Hector Costello
Senior Manager Client Engagement
4144N central highway,
Office 600, Dallas,
Texas 75204, United States
Phone number: United States: +1 (972) -362-8199 | IND: +91 895 659 5155

Source link

]]> 0
Payday Loans Direct Lenders Online Thu, 28 Oct 2021 09:18:05 +0000 Payday loans, quite a popular concept now, are short-term loans that are offered by many financial firms and provided on the condition that the borrower will repay the money when the next paycheck is received. Payday loans direct lenders provide relief to many individuals who are struggling with difficult finances. The following guide aims to […]]]>

Payday loans, quite a popular concept now, are short-term loans that are offered by many financial firms and provided on the condition that the borrower will repay the money when the next paycheck is received. Payday loans direct lenders provide relief to many individuals who are struggling with difficult finances.

The following guide aims to address all doubts related to payday loans direct lenders only or no denial payday loans from direct lenders only.

#1 Option For Payday Loans Direct Lenders – Viva Payday Loans


5 Best Payday Loans Direct Lenders Online – Quick Pick

With the prominence of internet activities, loan providers are now providing reliable platforms through which they can connect to borrowers. Not only that, brokers too have also now come up with their network of lenders with the objective of providing their clients with some of the best loan terms as per the requests received. We have done our bit to save your hassles of finding some options for payday loans from direct lenders. Here is a list of the 5 most reliable providers.

  1. Viva Payday Loans – Best for no denial payday loans direct lenders only. Visit now.
  2. Credit Clock – Best for requesting lower loan amounts.
  3. Money Lender Squad – Best for poor credit history.
  4. Very Merry Loans – Best for wide range of loan options.
  5. Heart Paydays – Best for same day decisions.

Payday Loans Direct Lenders Online – How to Apply

Payday lenders ensure that their online platform is simple and does not have complex structure. It is easy to navigate and access so that applicants can quickly apply for loans in times of distress. However, the exact application process can differ, though the basic steps are usually same.

Here, we explain the basic steps of applying through Viva Payday Loans. The system is completely transparent and can disburse loans within 15 minutes.

Step 1. Visit Viva Payday Loans Website: The first step is to visit the Viva Payday Loans website when you need no verification payday loans from direct lenders. There are several options of putting down information related to the loan. The website has all the details of loan, tenure, terms, and conditions and more.

Step 2. Complete The Application Form: Applicants need to fill in the required information in this form, which includes the loan amount. The loan amount can be filled in different denominations as per requirements, which are $100 – $5000. The repayment period of the loan is between 3 to 6 months.

Step 3 Get your decision: When the borrower has decided how much to borrow, some more information needs to be filled up. This is usually personal information such as name and email ID. Personal and income information is required by the broker to ensure that the customer qualifies for the loan and passes identity checks.

Step 4. Receive your loan: If approved, you’ll be redirected to a third party lender who can provide you with the loan. The chances of getting the loan approved is also quite high as Viva Payday loans does not require credit history check. In most situations, individuals receive their loans from different third party lenders who are in the broker’s network.

What Are Payday Loans Direct Lenders Online?

Payday loans from direct lenders are designed in a way so that the borrowers get instant approvals of loans, even if they are unemployed or have bad credit. These loans do not require any check or guarantor which means that the loan is received in a short time. The borrower can connect with the lenders directly for the process through certain brokers who act as mediators between the two.

At present, Payday loans are legal in 32 states. It means, a borrower needs to check if it is legal in their own state. The amount which can be borrowed, and the terms and conditions also tend to vary from one place to another.

5 Best Payday Loans Direct Lenders Online – Fully Reviewed

Understanding the demand for similar loans, brokers and lenders offering payday loans have increased. In the present times, there are several reliable names who are offering payday loans. Here are some of the popular providers who are known for no denial payday loans from direct lenders only.

1. Viva Payday Loans – Best for No Denial Payday Loans Direct Lenders Only

This is one of the most trusted providers under Payday Ventures Ltd. Though it is not a lender, it does have a wide network of lenders who use a matching service. This provider offers a simple loan application process. Loans are available from $100 to $5000. The repayment period is usually between 3 to 6 months which depends on the terms. APRs usually ranges from 5.99% to 35.99%.


  • It offers a simple and user-friendly website.
  • Users do not have to pay for the search tool used.
  • Wide range of lenders which means that chances of getting a loan is easier with no credit check.
  • Available in almost all US States.
  • Offers quick loans – within 2 minutes.


  • It is not available in all states of USA.

2. Credit Clock – Best for Requesting Lower Loan Amounts

This is one more popular broker which is known to provide loans to individuals in financial distress. It does use a unique algorithm which works to match the borrowers’ requirements with lenders. The match is based on the details of application and preferences. No fees is charged by the broker.


  • The website offers easy to use navigation.
  • The application form takes a few minutes to fill.
  • Individuals can apply for a maximum of $5000 loan.


  • The broker does not offer its services in a few states.

3. Money Lender Squad – Best for Poor Credit History

This is a popular payday loan broker that is known to provide credit when most other providers have rejected. offers credit in a short time without much of paperwork and spending time on background check. The website is quite simple and offers easy navigation. Borrowers will find all the necessary information related to payday loans direct from lenders online. The payment tenure of the loans is usually 6 months. There are several lenders working in collaboration which means the chances of getting loan approval are quite high.


  • The application process is easy and simple.
  • It is possible to get loans in just a few minutes.
  • Credit checks are not conducted by the broker.


  • There is not much information about the lenders available on the website.

4. Very Merry Loans – Best for Wide Range of Loan Options

Very Merry Loans is a non charging broker that acts as a bridge between lenders and borrowers. It does not charge any kind of extra fees for the purpose. Very Merry Loans receive a commission from the lender whenever any successful connection is made and strictly adhere to the regulations laid down.


  • The success rate for loan approval is quite high.
  • It works with state-approved lenders only.
  • It offers continuous loan processing – it works on holidays too.


  • Borrowing costs tend to vary from one lender to another.

5. Heart Paydays – Best for Same Day Decisions

Known to provide no verification payday loans from direct lenders, Heart Paydays is known to provide loans to those with bad credit. It provides loans with no guarantor and even for those who are unemployed. Those who have faced rejections multiple times from different places can apply here as well. The success rate is also quite high and is generally dependent on the quality of lenders matched with applicants. However, continues to be one of the most popular platforms to get loans quickly and without hassles.


  • Loan approval takes just a few minutes.
  • There is no credit check done.
  • Applicants can choose the repayment period and loan amount.
  • The website is easy to use and contains detailed information.


  • There is not much information available about the lenders.


Features of No Verification Payday Loans Direct Lenders

No verification payday loans are short-term in nature and are high-cost products. Loan amount is available in different denominations and is available from $100 to $5000. These loans are subject to federal and state laws. Payday loans are quite like traditional loans, but they do differ in many aspects, some of which are mentioned in brief.

  • Available in small amounts

These loans are available in small amounts when compared to traditional loans. For instance, individuals can apply for loans from $100 to $5000.

These loans are generally repaid in multiple payment structure or as a single payment. This depends on the terms and conditions. Payment due date is decided beforehand as per the conditions set. There are a few lenders who consider repayments before a schedule which helps in saving a lot of interest.

Repayment can be made when the borrower allows the lender to debit the funds electronically from the borrowers account. If the terms set other conditions of payment, it can be allowed as well.

One of the main reasons for the popularity of these funds is that there is no check on credit score. Thus, those with bad credit can also be eligible for loans. Those who are unemployed can also apply for the loan.

Loans are available at a high rate of interest than traditional loans. This is one of the biggest risks associated with such loans but they do help individuals in coming out from their financial distress.

Types of Payday Loans Direct Lenders

Payday Loans Direct Lenders For Bad Credit

Direct lenders refer to financial institutions that focus on disbursing small, short-term loans not more than a 2 year period. They operate through various establishments which can either be brick and mortar or internet-based. Many loan consumers want to remove the middleman and want to communicate with lenders directly. If you are new to the loan space, communicating with lenders directly can significantly help you. However, you have to make sure that the lender is legitimate and works for the best interest of their clients.

You may prefer accessing payday loans directly from lenders as you may have a prior working relationship with them. Many direct lenders offer discounted interest rates and other types of perks when they develop a working relationship with a particular client. While connecting to a lending broker is always preferred, direct lenders can work wonders for some bad credit borrowers.

Payday Loan Direct Lenders for Benefits

According to the legal framework put forward by the United States Department of Labor, they provide an unemployment insurance program that provides benefits to workers who have lost their jobs due to no fault of their own. However, these individuals are normally disqualified from applying for loans from banks and financial institutions.

If you find yourself in such a situation, you can opt for payday loans from direct lenders for people with benefits. These lenders do not judge you on the basis of your financial situation and can provide you with short-term loans that can be used for vehicle repairs, gifts, family vacations, new furniture items, medical emergencies, vet bills, unexpected expenses, replacing broken appliances, buying groceries and paying for past due utility bills.

Payday Loan Direct Lenders for Unemployed

If you don’t have a traditional job, getting a loan from a normal bank can be impossible. Banks and traditional financial institutions want you to produce proof of income either by producing a salary statement or pay stub. This can be a problem if you are self-employed such as being a freelancer. If you don’t have proof of stable income, some lenders might consider the following as an alternative – interest and dividends, social security, long-term disability, alimony or child support, trust fund, rental property, and retirement or pension.

If you fall into this category, you can easily apply for payday loans from direct lenders who cater to unemployed individuals, or those who get their income from alternative sources.  Some lenders require you to earn at least $1000 monthly from any source to grant you the loan. However, the lack of income will prevent you from qualifying for higher loan amounts.

Another risk for loans for the unemployed is the high interest rates and fees. The lender takes this as compensation for allowing a high-risk applicant to borrow money. This will undoubtedly increase your cost of borrowing. You may also have to pay a higher loan origination fee due to the lack of income.

Payday Loan Direct Lenders Easy Acceptance

Contrary to popular belief, no direct lender can 100% guarantee approval of loans until they review the credit history of the individual, although their requirements are less rigid. Direct lenders take the necessary steps to ensure that the maximum amount of people can qualify for their financial products. This means keeping credit score requirements at a bare minimum and not asking for any proof of income. However, you would be better off if you use a broker for taking out a payday loan.

A broker can work wonders in these situations as it works with a large lending panel that consists of several lenders. This gives them the ability to better match the brrower’s needs with the requirements of a particular lender. On the other hand, direct lenders cannot ensure the approval of your application.

But what happens when you need to apply with a direct lender and you have no choice? You are advised to conduct thorough research into the background of the lender and its practices. You may have to make several comparisons to find out the most favorable terms, judging factors such as terms of the credit, interest rate, and total repayment amount to make the decision.

Advantages and Disadvantages of Payday Loans Direct Lenders Online

Those who are thinking about applying for no denial payday loans from direct lenders only need to know about the various advantages and disadvantages (if any) of these loans. Here is a glimpse:


  • The application process is fast
  • Applicants can apply for loans from $200-$5000
  • Loan is available for unemployed, those with no credit and even bad credit
  • Loan approvals possible in just 2 minutes
  • Paperwork and telephone calls are not required
  • Direct dealing with lenders
  • Payout can be in the same day


  • Some payday loan direct lenders charge high fees

Payday Loans Direct Lenders Eligibility Criteria

It is quite easy to meet the requirements set to get approval for payday loans from direct lenders online.

  • Must be a US Citizen
  • The applicant must have an active US bank account
  • Proof of at least 90 days of employment is needed
  • Should be a valid social security number holder

Application Process

Borrowers are attracted towards payday loans from direct lenders mainly because of ease and convenience. The application process is simple and quick.

Step 1. Visit Viva Payday Loans

Go to Viva Payday Loans and select your loan amount & term. The amount should be filled in after considering repayment factors. You might be tempted to fill in more amount but remember, you must pay it at the end. Borrowers can choose an amount that can be up to $5000. The repayment period can be till 2 years though it varies from one broker to another.

Step 2. Complete the loan request form

When you have filled the amount, you need to click on apply and wait for confirmation. You will soon know if you qualify for the loan. The entire process will take just a few minutes. Borrowers are assured that full privacy will be maintained and information will be confidential.

Step 3. Wait for a decision

After you have submit the application form, a response will be presented to you within a few minutes from one of the available lending partners, if accepted. The process of approval takes a few minutes, subject to further checks and e-signing of your loan agreement.


What is classed as a payday loan?

Is there a need for good credit score to get approval for no verification payday loans from direct lenders?

Will a Payday loan be right for me?

Do Payday loans hurt your credit?

Do Payday loans affect mortgages?

Why choose a Payday broker over a direct lender?


About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

Source link

]]> 0
5 Best Debt Consolidation Loans of 2021 Thu, 28 Oct 2021 09:09:09 +0000 If you have several high-interest loans, debt consolidation can help you manage your finances by combining multiple debts into a single payment. We researched and selected the five best debt consolidation loans to help you get back on track and adequately manage your monthly bills. Our Top Picks for Best Debt Consolidation Loans Best Debt […]]]>

If you have several high-interest loans, debt consolidation can help you manage your finances by combining multiple debts into a single payment. We researched and selected the five best debt consolidation loans to help you get back on track and adequately manage your monthly bills.

Our Top Picks for Best Debt Consolidation Loans

Best Debt Consolidation Loans Review

  • No fees for loan application, origination or prepayment penalty
  • No appraisals
  • Choose when you want to receive your money
  • Rate discount when you choose autopay
  • Minimum loan amount is $5,000
  • Autopay discount option only available before loan funding
  • Lowest rates require excellent credit

LightStream is our top choice for borrowers with good to excellent credit who don’t want to pay origination fees or prepayment penalties on their debt consolidation loan. The company offers personal loans up to $100,000 with funding available the same day of approval, and has one of the lowest annual percentage rates (APR), starting at 5.93% with an autopay discount.

LightStream also features a completely online application and a debt consolidation loan calculator with a soft credit check that won’t lower your score. With its Rate Beat Program, LightStream claims it will lower your rate by .10 percentage points if you are approved by a competing lender for an unsecured loan with the same terms.

LightStream holds the #1 spot on J.D. Power’s Consumer Lending Satisfaction Study of 2020.

  • Fixed rates from 4.99%-19.63% with autopay discount
  • No late fees on personal loans
  • Pay lenders directly
  • Funds are not available on the same day of approval
  • Loan terms start at three years up to seven years
  • Minimum loan amount is $5,000

SoFi offers credit card consolidation loans rates starting at 4.99% APR with AutoPay. Most lenders have interest rates up to 35.99%, but SoFi caps their competitive rates at 19.63% APR with AutoPay discount. If the customer declines the AutoPay option, interest rates will be higher.

SoFi’s personal loans have no fees, and customers can make payments and check their loan status on the SoFi mobile app, available for iOS and Android. The company also offers online prequalification with a soft credit pull, fixed rates for the life of the loan, and a fixed payment schedule.

SoFi takes the #4 spot in JD Power’s Consumer Lending Satisfaction Study of 2020.

  • APR starts at 5.99%
  • Apply and check application status online
  • The loan is funded 1-2 business days after approval
  • Loans are up to only $50,000
  • You need to be a member of the credit union to apply

PenFed personal loans start at $600, making it the best lender for someone with debt obligations under $1000. This lender has fixed interest rates, a debt-to-income calculator, and an online application. PenFed also has a mobile application for iOS and Android where members can check their loan status, make loan payments, mobile deposits, and transfer your money between accounts.

To become a member of the PenFed credit union, customers have to open a savings account with a minimum deposit of $5. After approval, the loan is disbursed within 1-2 business days. The APR rate at the time of loan approval is based on creditworthiness, a credit inquiry, and the length of the PenFed membership.

PenFed is not part of J.D. Power’s Consumer Lending Satisfaction Study of 2020; however, it made it to our top list for its low interest rates and no loan fees.

  • Works with any type of credit
  • Online application process
  • Online loan calculator
  • Credit requirements depend on the company selected
  • Some lenders will charge an origination fee of 1-6% of the loan amount

With partnerships with LendingClub, SoFi, Avant, and Marcus by Goldman Sachs, among others, Fiona stands out for providing debt consolidation options for people with any type of credit. Fiona also offers no application fee or prepayment penalty, a complete online application process, and customer service by email or phone.

Fiona loan offers include refinancing for secured and unsecured loans including auto, student loan, and mortgage refinance. The company also provides customers with a reference blog about debt repayment and other financial advice.

Fiona is not part of J.D Power’s Consumer Lending Satisfaction Study; however, some of its partners are on the 2020 list.

  • Several debt consolidation options: balance transfer, personal loans, home equity loans, student consolidation loans
  • Application assistance by loan specialists
  • Discover mobile application
  • Eligibility requirement of a minimum household annual income of $25,000
  • Late payment fee of $39

Discover offers a wide variety of options for debt consolidation. Customers can select a credit card balance transfer with a promotional interest rate, apply for a personal loan, or use their home equity for debt consolidation. Discover doesn’t charge any origination fees, and its personal loan rates are between 6.99%-24.99% APR.

Discover offers customer service 24/7 over the phone and has a mobile app for iOS and Android that allows customers to check their FICO score, access their bank account, make payments, and check balances, among other features.

Discover holds the #3 spot for J.D. Power’s Consumer Lending Satisfaction Study of 2020.

Other lenders we considered

National Debt Relief

  • Negotiate with creditors to settle outstanding debt
  • Online quote
  • Only work with clients that have at least $7,500 in debt
  • A fee of 15-25% of the debt amount

National Debt Relief didn’t make it to our main list because qualifying borrowers need to have at least $7,500 in high-interest debt. Also, they charge a fee of at least 15% of the debt amount. National Debt Relief is not a loan originator but instead a debt management service.

AM One

  • Helps with credit improvement if the loan is denied
  • US-based live support
  • Credit requirements depend on the company selected
  • No information about fees on the website
  • Credit requirements and APR depend on the company selected

There is not enough information about interest rates and loan fees on AM One’s website to include this lender in our top list. With AM One, interest rates and loan fees depend on the lender the borrower is matched with at the time of approval.


  • Funds within 24 hours after approval
  • No prepayment penalty
  • All personal loans have a 2.9% to 8% origination fee
  • The lowest rates require autopay and paying off a portion of existing debt directly

Upgrade didn’t make it into our main list because of its high origination fee and not ranking in J.D. Power’s Consumer Lending Satisfaction Study.

Best Egg

  • Approval in minutes
  • APR from 5.99%-35.99%
  • Below average in J.D. Power’s Consumer Lending Satisfaction Study
  • Origination fee of 0.99-5.99% of the loan amount

Best Egg is not part of our main list because of its high origination fee and below-average ranking in J.D. Power’s Consumer Lending Satisfaction Study.

Lending Club

  • Customized loan options
  • 15-days grace period after the due date to pay without penalties
  • Origination fee of 3-6% of the loan amount
  • Higher APR rates than other lenders, starting at 7.04%

Lending Club, a marketplace for debt consolidation loans, didn’t make it into our top selection because of its origination fee and higher interest rates than other lenders on our list.

OneMain Financial

  • Debt consolidation calculator
  • Loan specialist counseling
  • APR from 18%-35.99%
  • Late payment fees from 1.5-15% of loan payment
  • Origination fees from 1-10% of the loan amount

OneMain Financial is not part of our best personal loan list because of its high APR rates, origination fees, and late payment fees compared to other lenders on our list. Also, this lender scored a below-average rate in JD Power’s Consumer Lending Satisfaction Study.


  • Funded one day after approval
  • No prepayment penalty
  • Administration fee up to 4.75%
  • APR from 9.95%-35.99%

Avant didn’t make it into our top list because of its high interest rate and administration fee. Also, this lender rated below average in J.D. Power’s study about consumer lending satisfaction.

Marcus by Goldman Sachs

  • No fees
  • Loan options within 5 minutes
  • Loan disbursed within five days after approval
  • Rates from 6.99% APR to 19.99%
  • Not suitable for smaller debt

Marcus by Goldman Sachs isn’t on our top list because of their interest rates and longer waiting time for loan disbursement compared to other lenders.


  • Loans from $1,000-$50,000
  • Check loan rate online
  • Only offers three and five years terms
  • FICO or Vantage Score of at least 600

Upstart didn’t make it into our best debt consolidation loans list because of their limited-term offering and below-average score on J.D. Power’s study. Upstart could be a good option for people with fair credit to excellent credit scores.

Ads by Money. We may be compensated if you click this ad.Ad

Debt relief won’t fix all your debt problems, but can be a good option for some consumers

If you owe $15,000 or more in debt, Freedom can help you lessen the amount you owe and make managing your debt easier.

Enroll in a Debt Relief Program

Debt Consolidation Loans Guide

In this guide, you can find information about how debt consolidation loans work, step-by-step processes on how to apply, and other alternatives for debt management.

What is a debt consolidation loan?

A debt consolidation loan is an unsecured personal loan that combines several debts into one installment loan payment with a lower interest rate (APR). It’s designed to help borrowers manage credit card debt and unsecured debt with an outstanding balance and high APR rates.

There are different types of debt consolidation options:

  • Personal loan: unsecured loan to pay for existing debt, finance a big purchase, pay medical bills or cover home improvements or renovations
  • Balance transfer: when credit card debt is transferred to another credit card with a lower interest rate
  • Home equity loans and home equity lines of credit: lets the customer borrow money against its home equity. These are only tax-deductible when used for home improvements.

How does debt consolidation work?

Debt consolidation loans gather several debts into a new loan. The borrower uses the loan proceeds to pay other accounts, lowering their credit usage to one single lower monthly payment. Some financial institutions pay the lenders directly instead of depositing the loan money into a bank account.

How to get a debt consolidation loan

  1. Check your credit score. This will help you obtain quotes without incurring multiple hard credit inquiries. Equifax, Experian, and TransUnion are the three main credit bureaus.
  2. Make a list of all your debt and credit utilization.
  3. Check what interest rate you’re currently paying on your credit cards and other outstanding debt.
  4. Research lenders, their interest rates, loan terms and fees.
  5. Use a loan or a debt-to-income ratio calculator to get an idea of the rate you can obtain with your credit score and what payment options are the best for you.
  6. Decide on a lender that offers a lower interest rate — and lower payment — than what you currently have.
  7. If the pre-approved loan has a higher interest rate than what you’re currently paying for in your accounts, ask a co-borrower with good credit to co-sign it.
  8. Apply for a loan.
  9. Analyze your offer and accept it.
  10. Obtain the loan funds and pay your debt.

If your loan application is denied because of poor or no credit, the next step should be to improve your credit score and credit history. To fix your credit, you can find a credit repair service or research and improve your credit report on your own.

Does debt consolidation affect your credit score?

Yes, debt consolidation can have a negative or positive impact on your credit score. It all depends on the borrower making the right choices when it comes to loan selection. It’s important to know that debt consolidation is not a strategy to increase your credit score; however, it can prove to be beneficial in the long run if the borrowers make on-time payments and don’t incur any new debt.

Alternatives to debt consolidation loans

Instead of applying for a personal loan to consolidate debt, lenders and credit card companies offer other options to their customers.

Home equity loans (HELOCs)

Home equity loans and home equity lines of credit let the customer borrow money against its home equity. Home equity is the difference between the value or amount your home could be sold for and what you owe to the mortgage lender. With a loan, the home equity is disbursed in one payment, with a line of credit you can draw from the funds as needed. HELOCs come as loans or lines of credit. Both are only tax-deductible when used for home improvements.

Balance transfer credit cards

Moving balances from a card with a high APR rate to another credit card with a lower APR rate is an option to consolidate credit card debt. Many credit card companies offer no interest rates on their cards for 12 months, allowing customers to pay or lower their debt during that time.


Bankruptcy is a legal action taken by people or businesses unable to manage outstanding debt. It should be the last resource for dealing with creditors and debt issues. According to The United States Department of Justice, several repayment options are available when filing for bankruptcy.

The most common are:

  • Chapter 7: when a trustee takes control of your property to sell it or turn it into a profit to pay your creditors. Depending on the state you live in, and which federal laws apply to it, you’ll be able to keep some of your properties.
  • Chapter 13: A court approves a repayment plan where you agree to pay part of your wages to your creditors. A trustee will be appointed by the court to collect the money from you and make sure that the payment plan is completed.

Not all debt can be discharged by the court when you file for bankruptcy. Some of the debt that cannot be discharged is:

  • Child support
  • Student loans
  • Court fines
  • And most taxes

Bankruptcy will appear on your credit report for around ten years, making it more challenging to apply and be approved for credit in the future.

Try to avoid payday loans, which are loans given at a very high interest rate and have to be completely paid back when the borrower receives their next paycheck.

Debt Consolidation Loans FAQ

How do debt consolidation companies work?

Debt consolidation companies work with people to reduce their monthly debt by consolidating multiple debts into one. Some of these companies charge a fee of the debt amount to help their customers. Besides hiring a debt consolidation company, you can achieve debt consolidation through personal loans, balance credit cards, or home equity loans/lines of credit.

How to get a debt consolidation loan with bad credit?

There are companies, like Fiona, that work with customers with poor credit. For people with a bad or no credit history, APR rates are usually higher than those with excellent credit scores. Another option is to repair your credit and increase your credit score before applying for a personal loan.

Debt consolidation or bankruptcy, which is better?

Bankruptcy should be the last resort to managing your debt. Debt consolidation is a better option than bankruptcy and, with time, can help increase your credit score and improve its history. Bankruptcy stays in your credit report for up to 10 years.

What is the best debt consolidation loan?

In our selection of best debt consolidation loans, we recommend lenders that can help according to the needs of their borrowers. If you’re interested in paying no fees, we recommend LightStream. For lower interest rates, we recommend SoFi, and for bad credit, we recommend Fiona.

Where can I get a debt consolidation loan?

You can apply for a debt consolidation loan online using one of our recommendations, or you can also apply for a loan at banks, credit unions, online marketplaces, or through a debt consolidation agency like National Debt Relief.

How to get approved for a debt consolidation loan?

Before applying for a debt consolidation loan, check your credit score and debt-to-income ratio. Many borrowers require a minimum credit score of around 600 to qualify for a personal loan. You can research lenders, check rates, and apply for those who fit the criteria with that information. If your quotes come back with a high interest rate, consider applying with a co-signer, it can improve your chances of getting a better interest rate and lower monthly payment.

How We Chose the Best Debt Consolidation Loans

To select the best debt consolidation loans we took into consideration,

  • Lenders offering low APR Rates, a variety of loan repayment terms, access to loan specialists, an online application, debt calculator, fast funding, no application fees or a low origination fee
  • J.D. Power Consumer Lending Satisfaction Study: This study measures overall customer satisfaction based on application and approval process, loan management, offerings, and terms and closing
  • Companies with customer service available through phone, chat, or email

Summary of Money’s Best Debt Consolidation Loans of 2021

Source link

]]> 0
Christmas Loans | 5 Best Christmas Loans For Bad Credit (2021) Thu, 28 Oct 2021 09:06:32 +0000 According to a 2018 Credit Karma poll, over 80% of Americans are concerned about overspending for Christmas or the holidays, and some lenders specialize in Christmas Loans. If you haven’t prepared — or haven’t been able to save — for your holiday expenditures and are considering taking out a Christmas loan, here are some things to […]]]>

According to a 2018 Credit Karma poll, over 80% of Americans are concerned about overspending for Christmas or the holidays, and some lenders specialize in Christmas Loans. If you haven’t prepared — or haven’t been able to save — for your holiday expenditures and are considering taking out a Christmas loan, here are some things to think about and choices to explore.

#1 Christmas Loan in 2021 – Very Merry Loans


Best Christmas Loans – Quick-Pick:

  1. Very Merry Loans – Overall Best Loan Option For Christmas. Visit now.
  2. Viva Payday Loans – Best Bad Credit Loan Provider. Visit now.
  3. Money Lender Squad – Best For No Guarantors. Visit now.
  4. Credit Clock – Best for Fast Approvals. Visit now.
  5. Heart Paydays – Best for Low APR. Visit now.

What Are Christmas Loans?

The term Christmas loans, sometimes known as holiday loans, is merely a marketing word. They are personal loans that are promoted to consumers who wish to fund holiday items. Your rates, periods, and possible loan amounts will vary depending on your income and credit history, just like any other personal loan.

Christmas loans can be meant to meet a short-term need; however, they are not generally short-term loans. Term lengths typically range from one to five years. Although it is convenient to have many months to return the debt, it is not a good idea to take several years to refund the cost of a single Christmas. As a result, it’s advisable to look for Christmas loans that let you pay off the loan early without incurring penalty costs.

Common Uses of Christmas Loans

  • Refinancing a Car: The holiday season is driving season. A new car with a brand-new warranty typically implies that you won’t have to pay for any repairs you would require to keep an older vehicle on the road. This saves money both immediately and in the long run.
  • Diverse Consumer Durables: It turns out that the bulk of our consumer durables loans are utilized on items that are a little bit fun or a little bit interesting.
  • Home Improvements: Home repairs and upgrades are seldom inexpensive. They might, however, contribute a few bucks to your bank account if done correctly. If you’re going away for the holidays, consider renting out your home on Airbnb for a revenue-neutral vacation.
  • Debt Consolidation: It might be tempting to be stupid during the silly season, and the effect can be overwhelming. Consolidating your debt into one simple payment, on the other hand, might alleviate the stress of the situation.

How To Qualify For Christmas Loans (Eligibility Criteria)

Being a U.S. citizen or permanent resident, being at least 18 years old, and having a low debt-to-income ratio are common conditions for a personal loan. Your credit score may also influence your ability to obtain a holiday loan. While you can get a Christmas loan with a low FICO score, people with high or outstanding credit receive the best loan prices and terms.

5 Best Christmas Loans – Fully Reviewed

1. Very Merry Loans – Overall Best Christmas Loan Option

Very Merry Loans is an online lending site that links borrowers with top lenders in the United States. The site provides access to payday loans, bad credit fast approval loans, and same-day loans that may be applied for just a few minutes and paid out in around 60 minutes. 

This lending platform of Very Merry Loans is simple. The business connects applicants with lenders who are most likely to honour their loan requests. The broker can supply you with a list of some of the most well-known lenders in the United States. In some instances, these loans are paid out in as little as 24 hours.

Loans vary from $200 to $5,000, with applicants able to choose a loan term that best suits their financial condition. Most customers repay loans up to $2,000 (payday loans) within 7 to 31 days, while extended loan duration ranging from two to 24 months are available for more significant sums. Interest rates vary from one lender to the next, but most offers generally range from 5.99 percent to 35.99 percent.

Applicants must be at least 18 years old, an American citizen, earn at least $1,000 per month (from regular employment or an alternative income source), have evidence of address, and a verified form of identity to apply.


  • Borrowers with poor credit and the jobless are both welcome.
  • There are options for longer payback terms.
  • Loans range from $200 to $5,000 available.


  • 30-day loans have a high-interest rate.


2. Viva Payday Loans – Best for Bad Credit Payday Loans

Viva Payday Loans is the most excellent all-around poor credit payday lending website. Borrowers may discover a range of payday loans bad credit ranging from $200 to $5,000 with terms ranging from 2 to 24 months. As a broker site, you may complete a short online application form and obtain loan approval feedback in less than two minutes. You’ll find out if you’ve been accepted or refused.

If you are authorized for a loan, you will be transferred directly to the payday loans poor credit direct lenders who will provide you with the money. If the lender can help you, they may ask for more information, such as proof of address, bank statements, and evidence of income (pay stubs). 

The lender will draft and furnish you with a loan agreement upon receipt and verification of these papers. After reviewing and approving the terms and conditions, the borrower signs the loan and receives the cash by direct bank deposit shortly after that. The loan is repaid through a monthly automated withdrawal.

The interest rate varies from one direct lender to the next, but the site typically provides rates ranging from 5.99 percent to 35.99 percent. Viva Payday Loans doesn’t skimp on offerings; the company offers payday loans to those with bad credit, no credit, benefits, and even unemployed.


  • Payout on the same day
  • Loan amounts vary from $200 to $5,000.
  • The application procedure takes 5 minutes, and the approval process takes 2 minutes.


  • There is no upfront information on the range of interest rates offered by Vivaloan lenders.


3. Money Lender Squad – Best for No Credit Check Payday Loans


Money Lender Squad is another excellent choice for individuals seeking an online payday loan. It provides low APR with no guarantor for residents of the United States. Those with poor credit can also apply for a payday loan with a payback period ranging from 60 days to 24 months and receive money immediately. Money Lender Squad concentrates on clients often neglected by other big Cash advance applications because of its rapid loan acceptance.

Because no credit checks are necessary, most borrowers’ primary concern is affordability. Money Lender Squad’s web portal has an online form that must be filled out entirely and completed before being shared with the app’s many different sorts of lenders. The complete loan approval and payout procedure are completely automated, so all you have to do is wait a few minutes for a lender to connect with borrowers who have reached an agreement.


  • The loan period has been lengthened.
  • Application for a loan is completed quickly.
  • There is no requirement for a guarantor.
  • In the event of a problem, a team of money lenders will step up to help.


  • A lower credit score can lead to an increase in rate charges
  • This app’s maximum APR is considerably over 400 percent.


4. Credit Clock – Best for Same Day Payouts

Credit Clock is one of the best payday loan brokers, offering borrowers personal and bad credit loans, starting from $200 up to $5,000. Most borrowers love this platform because of its fast application process that takes just a couple of minutes. Once your loan application is approved, you should expect the disbursement of your funds in 24 hours or less.

How Credit Clock approves borrowers’ requests is very straightforward. The only proof you need is your income, which must show that you earn at least $1,000 every month. Other eligibility criteria include the age, which requires you to be at least 18 years old, proof of home address, and is an American citizen.


  • You can apply even with bad credit
  • The approval and application process is super fast
  • Disbursement of funds is done in 24 hours or less


  • You must be on an income not less than $1,000


5. Heart Paydays – Best for Low APR

Heart Payday is one of the most reputable payday loan apps in the US. Their website is simple for first-time users since it does not complicate applying for a payday loan online.

The online loan application procedure may be done quickly from the comfort of your own home. Borrowers with a low credit score who want to acquire a loan for $200 to $2000 can use the heart paydays portal.

It requires just over 2 minutes to file a completed loan application online, and borrowers often receive a response from the app confirming their loan request acceptance and disbursement begins within 60 minutes. Heart Paydays is one of the most acceptable Cash advance applications since they accept and assist borrowers who other platforms have denied.

This platform makes no distinction between potential unemployed borrowers, having low credit and being on government assistance. Heart Paydays provides loans up to $5000 with a repayment period of 24 months, plus interest.


  • There is no need for phone calls or papers.
  • You might pay payday loans for a short period back within 24 hours.
  • Loan payout takes less than an hour


  • Some loans have high costs.
  • Long-term loans have hefty interest rates.

Features of Christmas Loans

  • Prequalification – Some lenders allow you to prequalify for a loan by performing a soft credit check, not affecting your credit ratings. Submitting several prequalification forms might assist you in narrowing your selection of lenders.
  • Christmas loans are instalment loans, which include monthly instalments and a set repayment schedule. That is, they will have monthly payments due over a certain period, making it easy to schedule into your budget.
  • Interest rates – Personal loans often offer lower interest rates than credit card interest rates, depending on loan conditions and how your credit looks. Taking out a personal loan instead of charging all of your Christmas shopping may save you money on interest.
  • If you pick an online lender, the application and funding procedure will be quick and straightforward. If accepted, you will receive cash quickly. If you’re approved, you may have your loan the next business day, giving you extra time to prepare for the holidays.

Advantages and Disadvantages of Christmas Loans


  • Money can be accessed as soon as the next working day.
  • Some Christmas loans are not subject to a credit check.
  • There are no use limitations.
  • A short-term loan with a set payment schedule
  • Borrowers with solid credit might get cheaper interest rates than credit card companies, mainly if they can borrow through a credit union.
  • Loan applications are frequently quick and straightforward to complete.


  • Late payments might have an impact on your credit score if your lender reports them to credit agencies.
  • Lenders can link borrowers’ bank accounts for automated loan repayments, resulting in overdraft penalties if the bank account balance is too low.
  • Borrowers with poor credit generally pay higher interest rates than credit card APRs.

How To Get Christmas Loans

Step 1: Visit Very Merry Loans

The layout of the Very Merry Loans website is user-friendly and straightforward to understand. To apply, all you have to do is click on “Apply Now” at the top right side of your screen.

Step 2: Complete The Application Form

The application form requires you to fill out your details, such as your name, address, income, monthly expenses and banking information.

Step 3: Get Your Decision

It only takes two minutes to get feedback on your loan application. You shouldn’t step away from your screen as the application is being processed. If your loan is not approved, they will still contact you.

Step 4: Receive Your Loan

If your application is successful, the vendor will provide you with a loan agreement which you are required to sign after carefully going through the terms and conditions. The loan amount requested is transferred directly into your account after you return the signed document.

Tips When Borrowing Money For Christmas

If you need to take out a Christmas loan, these guidelines will help you borrow wisely.

1. Have a Budget Early

Although there is a lot of emphasis on your Christmas budget, it doesn’t mean you should disregard all of your usual monthly costs. So, before the month begins, make a list of every expense you anticipate incurring.

Make sure to begin your budget with the four walls—food, utilities, housing, and transportation. After you’ve covered the necessities, make a list of your additional monthly costs, such as cable, phone bills, and everything in between.

Budgeting for Christmas might help you keep your spending under control. Ideally, you’ll begin saving early and be able to pay the expenditures with cash and, if possible, a Christmas bonus.

If you do borrow, aim to repay your loan within four to six months after returning from your vacation. If your budgeted costs take a year to pay off, you’ll most likely be in the same scenario the following year. And if you have to borrow again, you’ll always be paying off Christmas debt.

2. Know What Traditions Matter the Most

Although it may be tempting to keep every tradition alive in perpetuity, you should carefully consider your Christmas costs and determine if you may eliminate any of them.

You might do a gift exchange with one family member instead of shopping for everyone, or you could remain at home and rent a movie instead of taking everyone to see the year’s major release. Lowering costs will result in less debt. 

3. Avoid Christmas Finance Traps

Some types of Christmas loans are harmful to your finances and cost more than they are worth. Avoid payday loans, vehicle title loans, and shop credit cards if you expect to get into debt for the holidays.

Online shopping may be pretty tempting. However, you may take advantage of it throughout the holiday season. Shopping malls and department stores are intended to entice customers to spend money.

Sale signs are frequently in red to create a feeling of urgency, the most expensive products are usually at eye level, and basics are always at the back of the shop, forcing you to walk past a lot of other merchandise. Furthermore, retail employees are expected to upsell for their business to meet sales objectives.

4. Plan How Your Repay Your Loan

Ideally, combining the two ideas above will help you limit your spending to only what you can afford. However, if you need to borrow money, there are a few things to consider.

First and foremost, do you have a strategy to repay the money? The sooner you pay off the loan, the less interest you will be paid, and the less likely it is that your obligations will spin out of control.

Second, repay as much as you are able. People are frequently ensnared in the minimum payback trap, particularly with credit and store cards. However, if you pay the most significant amount possible, you will clear the debt sooner.

Finally, do you qualify for a 0% interest purchase credit card? If you are, and you follow the two procedures above by paying as much as you can each month and paying off the debt before the promotional period expires, you’ll need to do away with incurring future costs.

5. Start Saving for the Next Year

The most excellent way to spend money during Christmas is to use what you’ve saved for it.

Start saving in January if you want to avoid going without next year. Simply calculate how much you want and divide it by ten. Then, between now and October, strive to put that much aside each month for Christmas. You’ll then have two months to replenish your fund if it’s depleted.

If you’re concerned about using your savings for other purposes, you may set up separate accounts for each savings objective. So you’ll have one for Christmas, one for your vacation, one for emergencies, and so on.


If you decide to take out a Christmas loan, be sure you understand all of the fees and have a strong strategy in place for repaying the debt. Verry Merry Loans is our top-rated Christmas loan provider and the application process is straightforward – just head over to Verry Merry Loans official website and follow the prompts. 

Request Your Payday Loan at our Top Rated Provider – Very Merry Loans



Can You Get a Christmas Loan With Bad Credit?

How Does Christmas Affect a Bank’s Ability to Make Loans?

How Do Holiday Loans Work?

How Does a Christmas Loan Work?

Can You Get a Loan for Christmas Presents?


About Denzil Otieno PRO INVESTOR

A procurement graduate. Young business owner. A smart business investor.

Source link

]]> 0
Cash Loans | 5 Best Cash Loans With Bad Credit & No Credit Check Thu, 28 Oct 2021 09:06:21 +0000 Sometimes there’s a bit more month than money and when that happens, what do you do? Financial shortfalls are a fact of life for many people, and if you’re one of those people, you’re bound to be on the lookout for cash loans or similar to get you to your next paycheck. While many online cash loans are available, […]]]>

Sometimes there’s a bit more month than money and when that happens, what do you do? Financial shortfalls are a fact of life for many people, and if you’re one of those people, you’re bound to be on the lookout for cash loans or similar to get you to your next paycheck. While many online cash loans are available, how do you sift through them to find the best? How do you know which cash advance loans are worth your time and which are just financial traps? In this guide, we will present the best cash loans available in 2021 so that you can make an educated decision when choosing between direct lenders.

#1 Cash Loan in 2021 – Credit Clock


Best Cash Loans in 2021 – Quick Pick

  • Credit Clock – Good for Fast Cash loan up to $5,000. Visit now.
  • Money Lender Squad – Good for no Credit Checks. Visit Now.
  • Very Merry Loans – Good for Same Day & fast Payouts. Visit now.
  • Viva Payday Loans – Good for Guaranteed Approvals. Visit Now.
  • Heart Paydays – Good for Unemployed Loans. Visit now.

What are Cash Loans?

Cash loans are typically small lump sums of money provided to a borrower by a direct lender. The borrower must prove eligibility for the loan, and if granted, the amount is paid over into their bank account. US cash loans are usually paid back on the borrower’s next payday unless negotiated a longer loan term. Quick cash loans of small amounts to be paid back within a few weeks come with higher interest rates attached.

How to Qualify for Cash Loans

While the qualifying criteria for cash advance loans and instant cash loans differ from one lender to the next, there are general requirements for acquiring such a loan. These are as follows:

  • 18 years of age, at least.
  • United States citizen with a valid Social Security Number.
  • Active US bank account (with e-commerce capability).
  • Employed with a monthly income or proof of alternative income.
  • Employment contract must be valid and not due to expire soon.
  • Valid identification.
  • Proof of address.

Most direct lenders offering fast cash loans will base their decision on your paycheck and an affordability assessment (income vs. expenditure), so your credit score is not ultimately important.

Common Uses of Cash Loans

What do most people use cash loans for? You might be wondering if your reasons for wanting access to quick cash loans are valid. Most direct lenders will not require a run-down of what you plan to spend the money on, but most people use quick cash loans for the following reasons:

Getting Out of a Sticky Financial Situation

Low incomes and rising expenses often lead to financial shortfalls, and it’s completely normal for people to find themselves in a sticky financial situation at some point in their lives. Whether you’ve been met with an unexpected expense or simply overspent when you received your last paycheck, quick cash loans can provide the needed relief when you’re in a sticky financial spot.

Unexpected Expenses

Budgeting from one paycheck to the next has become the norm for the average American. We plan the spending of every last penny, and when an unexpected expense comes along, we’re flabbergasted! What now? Well, that’s where cash loans come in handy. With online cash loans quickly and conveniently at your disposal, you can pay the mechanic to fix your car, fix a household appliance, buy your child a birthday gift, or pay for an unforeseen medical expense.

Building a Better Credit History

Getting bank loans, store credit, and simply opening an account somewhere requires a good credit history. If your credit history is less than stellar, you might cringe at the thought of institutions digging around in it. This is where you can use cash advance loans to your advantage. You can apply for fast cash loans with no credit check and expect to receive the funds quickly. Once you receive the funds, repay the loan as per the loan terms.

Best Cash Loans Near Me – Fully Reviewed

Not all cash loans are made equal – that’s something to remember. Below is a full review of each of the top cash loans available on the market in 2021.

1. Credit Clock – Good for Flexible Loan Amounts up to $5,000

Credit Clock is a go-to provider of fast cash loans to all, even the unemployed or those with bad credit or no credit to speak of. The lender’s slogan “Tick tock, it’s loan o’ clock” already gives a sense that they know time is of the essence when you apply for instant cash loans.

  • Flexible loan amounts from $100 to $5,000
  • Same day payouts
  • No guarantor lending
  • Flexible repayment terms

Credit Clock is a new kid on the block for fast cash loans, but that doesn’t mean they have any less to offer you than the more established direct lenders. This particular lender emphasizes quick decisions, ensuring that borrowers get the money they need fast. The APR ranges from 5.99% to 35.99%. The company itself is not a lender but rather a well-positioned broker in the loans industry. What does that mean? It means that when you apply for online cash loans via the website, you’re put in direct contact with lenders who are willing to assist you.

Most of us are of the mindset that nothing in life is free, and for the most part, that’s true. At, you will be presented with options and connected with direct lenders absolutely free. The only financial exchange that will happen is between you and the lender when you set up your instant cash loans contract. offers a free loan matching service to the borrower.

There’s no check on your credit profile, which won’t be the case if you approach individual lenders separately, requesting a loan.

What’s more, is that the quick and easy online application process will take just a few minutes of your time to complete, and you will know the outcome of your application within just two minutes – it seems takes quick payouts of their instant cash loans seriously.

You can repay cash loans between three and twenty-four months at Credit Clock. Of course, each lender has its own loan terms in place, so it’s best to negotiate a realistic and affordable loan term directly with the lenders you are matched with when using the service.

Bad credit borrowers and people with no credit will like the fact that lenders on the panel are more interested in your ability to afford the loan now than your financial history. If you can prove you receive suitable regular income and can afford the repayments, your credit score will often not even come into it.

As a borrower, it would be nice to know that CreditClock.Net could offer you a guaranteed low interest rate on online cash loans, but that’s not the case. As with all brokers, they cannot guarantee the interest rate. But it is worth noting that the lenders working with CreditClock.Net offer APRs between 5.99% and 35.99% and often lower their rates to keep their offers competitive.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 3 – 24 Months *****


  • Flexible repayments
  • Free service to borrowers
  • Bad credit borrowers welcome


  • Low interest rate not guaranteed

Overall, Credit Clock is a viable option for those who need cash in a hurry. The platform offers genuinely instant cash loans by honoring their promise of paying out on the very same day or within 24 hours. It seems like a great option to go with for those who need cash loans with no credit or those who have bad credit!

2. Money Lender Squad – Good for No Credit Checks

Money Lender Squad is one of the easiest online cash loans platforms to use when you’re in a hurry for cash. You will undoubtedly come across the online lending portal when searching for cash loans near me. provides a quick and easy-to-complete online application form and connects with direct lenders that offer no guarantor loans as well as no checks on credit – what’s not to love!

  • Online application takes just a few minutes
  • Loans of up to $5,000 even with bad credit
  • 24-hour max payout period
  • Flexible repayment periods
  • Up to 24 months to pay

Nothing is worse than needing cash in a hurry, and all you can get is a couple of hundred bucks. What if your expenses require more than just a few hundred dollars? At, you can get cash loans of between $100 and $5,000, so there’s something for everyone. Of course, you should be realistic when requesting a loan because if you aim too high and the lender thinks you can’t afford it, they won’t approve the loan.

Privacy and security when using online financial services to apply for online cash loans are at the forefront of everybody’s minds – including Money Lender Squad’s. When dealing with, they guarantee a safe and secure experience by using advanced encryption technology. You can find their privacy policy easily on their website and have total peace of mind that your transactions and data are safeguarded.

When using the platform to find suitable direct lenders to deal with, you will be pleasantly surprised at just how easy and intuitive their website is. Input your particulars, select the amount you wish to loan and the required loan period and click “Get Started.”

When financial emergencies strike, there’s no time to wait around for lengthy approval and payout periods. When using, you are put in contact with direct lenders most likely to approve and pay out fast cash loans.

Of course, you will need to provide further details, but the entire process takes several minutes – that’s all!

If you meet the eligibility criteria and have the supporting documentation, you can expect to have the money paid into your bank account within 24 hours (but most likely within 60 minutes).

If a lender can help you, you elect to be transferred directly to their site, where they will finalize the loan terms and details with you. Then, all that’s left to do is sign your agreement and wait to get the cash paid directly into your bank account. And you can do all of this from your couch as the company deals with online cash loans.

While offers interest rates of between 5.99% and 35.99%, it is the lenders on their panel to make a final decision regarding the interest rate you will be offered. Interest rates may be based on affordability, the amount and term requested, and your past credit history.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 3 – 24 Months *****


  • Quick decisions
  • Decent loan amounts
  • Top notch privacy and security


  • Possible high interest rates

If you are looking for cash loans with same-day approval and peace of mind that your data is protected, is just the right platform for you. You will undoubtedly appreciate the easy-to-use online application process and enjoy the fast payouts too.

3. Very Merry Loans – Good for Same Day Fast Payouts

Very Merry Loans provides much-needed relief to Americans tired of traditional bank loans’ lengthy and frustrating process. Instant cash loans are genuinely instant at Very Merry Loans, and you will find the application and approval just as quick and easy. The company acts as a broker, connecting borrowers to lenders most likely to approve their loan requests. The best part of dealing with is that their service is free to you.

  • Get cash in 60 minutes from approval
  • Bad credit and no credit borrowers are welcome
  • Brilliant option for building a better credit history

Applying for cash advance loans with Very Merry Loans is a simple process. The application form is self-explanatory and takes just a few moments to complete.

If you’re in a hurry for cash, Very Merry Loans won’t keep you waiting. When they speak of instant cash loans, they mean it! The entire process from application to approval can take just a few minutes, and the amount is paid out on the same day.

Many bad credit and no credit borrowers worry that they may misuse cash loans when intending to build credit with them. To ensure that you don’t get trapped in a cycle of debt, only provides loans of $100 to $2,000 that can be paid back over 2 to 24 months. Small amounts mean less risk to you, and if you handle the account properly and pay according to the agreement, you can improve your credit score along the way.

Borrowers with no credit or those who would prefer no check on their credit profile will appreciate the non-invasive process offered by the company. So, if you don’t want financial institutions poking around your credit history, opting for cash loans via Very Merry Loans is a good option. That means no check on your credit profile! The lenders on’s panel don’t use credit checks for their decision-making. Instead, they consider your income, calculate your expenses and determine if you can realistically afford the loan.

The only hold-up you can expect regarding your approval and payout of instant cash loans is if you don’t have your supporting documents handy for verification purposes.

You must be 18 years of age, earn a regular income, and have proof of ID, address, and American citizenship. It’s also great that you can loan between $100 and $2,000 with 2 to 12 months to pay. Like most broker sites, the interest rate can vary from lender to lender between 5.99% to 35.99%.

Because the cash loans are small, you might be tempted to try to take out several loans at the same time. This is unfortunately not possible. You can only take out one loan at a time when making use of the Very Merry Loans service.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • Fast cash
  • Excellent for credit building
  • No credit check

If it’s a quick online application you’re looking for and need instant cash loans that pay out immediately, Very Merry Loans is your best bet. This brokerage focuses on matching borrowers with lenders most likely to approve their loan, so there’s no waiting around and time wasting.

4. Viva Payday Loans – Best for Guaranteed Approvals

Viva Payday Loans is a good US cash loans all-rounder known to be great for guaranteed approvals. If you meet the minimum borrowing criteria, there’s every reason to believe that Viva Payday Loans will pay out the cash you need on the very same day.

Viva Payday Loans has a reputation for having one of the fastest approval and payout processes for quick cash loans online. If you have a few moments to spare, you can complete the application process on their website. Once you submit the application, approval is provided in as little as just two minutes. As soon as you receive approval, you will know which lenders can assist you with your loan and be sent directly to their website. The agreement is between you and the direct lenders, meaning that the Viva Payday Loans service is absolutely free to you. Once your supporting documents are sent and verified, the loan is approved and then you wait just 60 minutes to get your payout. In some instances, it may take a bit longer but never more than 24 hours.

  • Guaranteed approvals for eligible applicants
  • Affordable loan repayments
  • Bad credit borrowers welcome
  • Same day payout (often just 60 minutes)

Everyday Americans are struggling to make ends meet, and if you’re one of them, there’s no need to worry too much. With the lenders on the Viva Payday Loans panel, you’re almost guaranteed of getting the cash you need. And what’s more is that you will get it within 24 hours of approval – often far sooner!

To qualify for cash loans near me with Viva Payday Loans, you must be of age (that’s 18 years and above), you must earn a regular income, and you must be able to afford the loan repayments. You will need to provide supporting documents such as your US ID, proof of address, and your pay stubs. Qualifying for instant cash loans with is that easy.

Many people with a bad credit score don’t apply for cash advance loans because they assume their credit score is the be-all-and-end-all of the decision-making process. The fast cash loan providers on Viva Payday Loan’s panel of lenders don’t emphasize the importance of a great credit score. Instead, they take your current earnings and monthly expenses into consideration. If you can realistically afford the repayments of your requested loan, you’re eligible for cash loans!

If you need bridging cash to get you to your next payday, fast cash loans that you can repay on your next payday are available. But, if you need to borrow a more substantial amount, you don’t have to worry about paying it back immediately. Viva Payday Loans offers 2 to 24 months to pay, so you can select the repayment period and then negotiate what’s most suitable with the direct lenders that show interest in helping you.

Sadly, Viva Payday Loans does not operate in Arkansas, New Hampshire, New York, Connecticut, Montana, Minnesota, South Dakota, Indiana, and Virginia.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • Super-fast approval and payout
  • Having poor credit won’t affect your application
  • 2 to 24 months to pay


  • Viva Payday Loans doesn’t service some US states

Viva Payday Loans is an excellent option when looking for online cash loans that payout quickly and come with no hassles and red tape attached. Viva Payday Loans is a great all-rounder and the go-to for many people when it comes to US cash loans.

5. Heart Paydays – Good for Unemployed Loans

Think again if you’re one of the many Americans who believe they cannot get quick cash loans because they don’t have a traditional job. Heart Paydays is known to put borrowers in touch with direct lenders known for approving unemployed cash loans. If you meet the minimum criteria and have some form of regular income that you can prove, you are eligible for a loan with Heart Paydays, even with no guarantor.

  • Free no-obligation eligibility check
  • No hard check on credit record
  • Many income types considered (and accepted)

If you need a decent amount of cash to get you through a rough patch, pay for costly vehicle repairs, or redo a section of your home, you only need to look as far as Heart Paydays. Fast cash loans range from $100 to $5,000 with 2 to 24 months to pay.

Gone are the days where you needed a traditional job to get fast cash loans. Earning income is just not the same as it used to be. You may be considered “unemployed” if you don’t have a job, but perhaps you earn income from other streams. Perhaps you have a side hustle, your own business, or live off dividends, rental income, or freelance income.

It’s great that you don’t have to provide a traditional pay stub if you don’t have an employer. Heart Paydays understands that earning an income comes in many different forms. As such, they offer cash advance loans to unemployed people who earn at least $1,000 per month through alternative means. If you can prove this, then instant cash loans are just a few clicks away. Simply fill out the online application form and wait a few moments to receive approval – simple as that. Make sure that you have your verification documents handy when you apply to speed up the disbursement process.

No one wants to spend hours waiting in a queue at a storefront or filling out a lengthy online application form filled with red tape and confusing terms and conditions to get access to cash advance loans. At Heart Paydays, the online form takes just a few minutes to complete with your personal particulars. Then, when the loan agreement is signed, the direct lenders will ensure that you understand all of the terms and conditions before the loan is activated. Simple, right?

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • No traditional job required for approval
  • Decent loan amounts
  • Simple and fast online application


  • Minimum income must be $1,000

All in all, Heart Paydays is a great option for people who have an income of no less than $1,000 per month. What’s great is that you don’t have to have a traditional job to apply, and you can expect the cash to be paid out on the very same day that your loan is approved. If you apply early enough in the day (on a business day), you should expect payment before the day is over.

Types of Cash Loans

There seem to be cash advance loans for all types of situations and scenarios in the US. The following types of cash loans are available in 2021.

Bad Credit Cash Loans

Bad credit loans are loans that are granted without taking the borrower’s credit score into consideration. With these types of quick cash loans, affordability is more important than the credit score.

Get a Bad Credit Cash loan here >

No Credit Check Fast Cash Loans

No credit check loans are cash loans that are considered and approved with no check on the borrower’s credit record. With these loans, direct lenders scrutinize the borrower’s income vs monthly expenses to determine if they can afford the loan.

Get a No Credit Check Cash loan here >

Instant Cash Loans with Car Title as Collateral

Car title loans are secured loans where the borrower’s vehicle is used as collateral. The lender places a lien on the car title and the borrower temporarily surrenders the hard copy of the vehicle’s title to the lender in exchange for cash loans.

Get a Instant Cash loan here >

Online Cash Loans for the Unemployed

Unemployed loans are cash advance loans offered to people who don’t have a traditional job but do have an alternative income source. Most lenders require an income stream of at least $1,000 and it must be regular.

Get a Unemployed cash loan here >

Instant Cash Loans for Students

Student loans are available to students who have a regular income stream. Acceptable income is through part-time work, allowance, or trust. Cash loans are typically provided to students who can prove they can afford the monthly instalments.

Get a Student cash loan here >

Veterans Cash Loans

A veteran loan or VA loan is a mortgage loan provided through a program in place by the US Department of Veteran Affairs. This loan type allows veterans to purchase homes with minimal or no down payment and without private mortgage insurance. Veteran loans have competitive interest rates.

Get a Veterans Cash Loan here >

Cash Loans for Home Purchase

Home purchase cash loans are large lump sums provided to borrowers who wish to purchase a property. Home loans are different to instant cash loans in that they are typically repaid over 15, 20, or 30 years.

Get a Home Purchase Cash loan here >

Cash Loans for Rent

Rent loans are loans granted to individuals who have fallen behind on their rental payments. If you’re going to be late on your rent and need a bit of bridging cash to get you to your next pay day, instant cash loans are an option.

Get a Rent Cash loan here >

Cash Loans for Those on benefits

Benefit loans are available to individuals who need a bit of bridging cash. Most lenders will stipulate those benefits can’t provide more than half of your income in order to qualify for fast cash loans.

Get a Cash Loan for those on benefits here >

Quick Cash Loans for Pensioners

Pensions in the US can get lump sum payments to help them afford certain expenses. These cash loans are similar to personal loans and must be repaid over a certain number of pre-agreed months. Pensioner loans can come with high interest rates attached due to the risk to the lender.

Get a Pensioners Cash Loan here >

Cash Loans Online for Self Employed Individuals

Self-employed individuals have no traditional pay stub to show as proof of income for a loan. Self-employed loans are made available as cash advance loans, and applicants can typically prove their regular income using their income statements, bank statements, and tax returns.

Get a Cash Loan for Self Employed here >

Fast Cash Loans for Single Moms

Sometimes single moms have a hard time making ends meet, and that’s okay. A rough month doesn’t need to spiral out of control. You can find direct lenders willing to help you in your specific financial situation by using a broker website. Many lenders offer single moms instant cash loans online.

Get a Cash Loan for Single Moms here >

Cash Loans for SSI Recipients

Supplemental Security Income is provided to disabled adults and children and people over 65 years old who are citizens of the United States. If you are on SSI, you may want to supplement your income temporarily to afford an unexpected expense or emergency. Many lenders will offer cash advance loans to individuals on SSI, but your SSI amount will determine the amount you can borrow.

Get a SSI Recipients Cash Loan here >

Low Income Earners

How much you earn each month will affect how much you can apply to borrow from a lender. US cash loans are designed to offer cash advances to people of all backgrounds. If you have a small income, select a small loan amount and repayment term that’s realistic. You will be surprised at just how many lenders will be willing and able to assist you.

Get a Low Income Earners Cash Loan here >

States Where Cash Loans are Available

Cash loans are available in most states, but there are some states where instant cash loans are banned. The table below illustrates which states allow cash loans and which don’t.

Cash Loans Available In Cash Loans Unavailable In
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming
  • Arkansas
  • Connecticut
  • New Hampshire
  • New York
  • Montana
  • South Dakota
  • Vermont
  • West Virginia
  • Indiana
  • Minnesota


Advantages & Disadvantages of Cash Loans

There are several advantages and disadvantages you need to consider when applying for quick cash loans. Here they are:

Advantages of Cash Loans

  • Quick and easy online application
  • Two-minute approvals
  • Same-day payouts
  • No credit check required
  • Great for credit history building
  • Approvals based on affordability, not credit score
  • Decent loan amounts of $100 to $5,000
  • Flexible repayment terms, typically 2 to 24 months
  • Competitive interest rates

Disadvantages of Fast Cash Loans

  • Low interest rates cannot be guaranteed
  • Cash loans are not available in every state

How to Get Cash Loans

How can you get fast cash loans with minimal effort online? Here’s how:

Step 1: Visit an Online Cash Loans Provider


Simply visit the Credit Clock website and get ready to complete the loan application process – click the “Get Started” button. It’s a good idea to have all of your supporting documentation handy.

Step 2: Fill Out the Online Application Form

The online application form will require the loan amount and term you require, as well as the following information:

  • Personal details
  • Where you live
  • Employment details
  • Loan payment details
  • Password

Click “Submit Request.”

Step 3: Provide Your Identification Details

This is where your supporting documents come in handy. You will need to provide a copy of your ID, your proof of address and either your bank statements or paystubs.

Step 4: Get Your Decision & Receive Your Cash

Once your documents are received, you will be transferred to the site of a lender who can service your cash loans request. Simply complete the process with them, sign the loan contract, and wait for the cash to arrive in your bank account. That’s the beauty of dealing with direct lenders.


While there are many places to get cash loans and all of the above platforms are viable options, the best place to get instant cash loans is undoubtedly CreditClock.Net. For quick and easy loans that are paid out the very same day, you cannot go wrong.

Request Your Cash Loan at our Top Rated Provider – Credit Clock



Do I Need a Co-Signer for Cash Loans Online?

Can You Guarantee Me a Fixed Low Interest Rate?

What Does it Cost to Use the Cash Loans Broker Sites Above?

Who Do I Contact During the Term of My Loan for Support?

I am Bankrupt – Can I Apply for Instant Cash Loans?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

Source link

]]> 0
Best Same-Day Loans Online: List of Online Payday Lenders for Same-Day Personal Loan | Quick Bad Credit Loans in 2021 | Fast Cash Loans Near Me Thu, 28 Oct 2021 08:54:18 +0000 Sometimes, we can find ourselves in a difficult situation where we need money fast. These difficulties can arise from seemingly nowhere and can cause you to stress about where to find the necessary funds. Today, with the rise of the digital era, it is much easier to get approved loans online, as many credit union […]]]>

Sometimes, we can find ourselves in a difficult situation where we need money fast. These difficulties can arise from seemingly nowhere and can cause you to stress about where to find the necessary funds.

Today, with the rise of the digital era, it is much easier to get approved loans online, as many credit union platforms offer their services. You may be looking at online loans as a last-ditch effort if your credit is especially bad. But, you should not be discouraged. Many lenders online will not even look at your credit score and will give the money you need despite it.

In this case, when you need money immediately, you might want to look into same-day loan amounts online with no credit report checks & instant approval. Same-day loans are easy to get and are a fast solution to solving instant problems.

Next, we will review the best platforms that connect you with lenders offering same-day loans. So, just relax, read on, and in no time, you will find the perfect platform for your needs.

Our Top Choices for Same-Day Loans Online

  1. MoneyMutual: Overall Best Lender to Get Same-Day Loans
  2. BadCreditLoans: Best for Quick Loans with Bad Credit
  3. CashUSA: Recommended for Same-Day Cash Loans Online
  4. Personal Loans: Best Interest on Personal Loans

#1. MoneyMutual: Overall Best Lender to Get Same-Day Loans

MoneyMutual was founded in 2010 and is situated in Las Vegas, Nevada. They were established in response to the reality that four out of ten Americans, although almost everyone struggles to make ends meet at some point, would be unable to come up with $400 in an emergency.

MoneyMutual, as a well-known networking site, can effortlessly connect you with over 60 different lenders in its network. They do not give you loans themselves, as they just link you with a suitable lender who fits your specific requirements.

You may apply for a loan online in around five minutes after reading over the conditions and finding your perfect match. This networking site ensures you discover a suitable lender who fulfills your requirements and that you receive a loan as quickly as feasible. You can apply for a wide range of loans, including payday loans, installment loans, and even bad credit loans.

It is the world’s largest online network of lenders specializing in loans for those with bad credit. You can adjust your loan duration, interest rate, and repayment while you are filling out an application. Accessing the lender through MoneyMutual is straightforward, quick, and secure.

All you have to do with MoneyMutual is fill out a single form and wait to be matched with a lender. It only takes a few minutes. They collect your information, and if your loan request is approved, the funds will be in your bank account within 24 hours. This is one of the simplest methods for obtaining funds in a short term. Going to numerous lending sites and filling out individual applications is far more time-consuming than applying through a networking site.


Loan Limits and Terms

If you wish to apply for a loan on MoneyMutual, you must be at least 18 years old and meet specific criteria. You must have a monthly wage of at least $800 and a checking account to qualify. You also have to be a permanent resident of the United States.

MoneyMutual matches you with lenders who can provide you with loans ranging from $200 to $5,000, depending on your circumstances. Because people with bad credit need quick cash, smaller loans, such as those between $300 and $500, are more popular.

Fast Turnaround Time

MoneyMutual begins working on your application as soon as you submit it, and your information is distributed to a network of potential lenders. You might get lucky and locate a lender within 24 hours of submitting your application because same-day loans are geared for this.

You can accept a lender’s loan offer and tailor it to your needs. However, before signing anything, make sure you understand all of the loan terms and conditions. You might be surprised by the lender’s interest rate and other fees. But do not worry, these are all standard.

Interest Rates and Fees

The annual percentage rate (APR) is known to vary from 5.99% to 24.99%. Because they function as a mediator, MoneyMutual takes a step back once you meet their requirements and are linked with a lender, leaving you to negotiate with the lender.

The loan term and conditions, as well as the interest rates, are set by the lenders. Interest rates differ depending on the lender, but payday loan interest rates can be pretty high, ranging from 200% to 1300%.


  • No fees for applying
  • Easy to use website
  • Same day loan approval
  • Large number of lenders available
  • Various loans offered
  • Joint application accepted


  • Must make at least $800 a month to be eligible
  • Not available in NY or CT

Customer Experience

MoneyMutual receives largely positive comments from its clients, with five-star reviews. Customers liked how quickly they got a loan approved, and they were pleased with the results.

Everything about this website is easy, straightforward, quick, and safe. Clients can receive money in their bank account in 24 hours after their application is approved, and it simply takes a few minutes to fill it out. The customers were also very satisfied with the customer care staff, as they are incredibly helpful and ready to answer any questions.

=> Click here to get more information on MoneyMutual

#2. BadCreditLoans: Best for Quick Loans with Bad Credit


BadCreditLoans has been around since 1998 and has since helped over 750,000 people. It is an online lending company that offers same-day loans to customers with bad credit. And like MoneyMutual, they only connect you with an online lender on their vast network, and they do not give you the money themselves.

This platform was created with bad credit borrowers in mind. As they know, unprecedented circumstances can leave anyone in a bind looking for quick cash. With a bad credit score, it is tough to locate a lender who can quickly lend a fair amount of money. You do not have to be anxious, though, because BadCreditLoans can help you find lenders regardless of your credit history.

Tribal lenders are also part of BadCreditLoans’ network. These lenders, on the other hand, may charge higher fees and interest rates than state lenders, and they are governed by federal and tribal standards rather than state laws.

BadCreditLoans will also advise you on the loan application process as well as how to spend your money wisely to avoid future debt. They give you advice on how to repay your debt quickly and efficiently.

This platform is also a part of a number of charitable programs, alongside helping people get same-day loans, which they proudly display. Applying for a loan with BadCreditLoans is very fast with no additional fees. All you need to do is spare five minutes of your day to fill out the short form with your personal information, and they will find you a lender perfect for you.


Loan Limits and Terms

There are a few requirements you must meet in order for your loan application to be evaluated. You have to be at least 18 years old and have a verifiable source of income in order for a bad credit loan to be approved. You must also be a legal U.S. citizen with a personal checking account.

BadCreditLoans will connect you with one of their lenders once you have completed your information entry, and their job will be done. Each lender has its own set of terms and conditions for loans.

BadCreditLoans connects you with lenders who can help you get a loan between $500 to $10,000, and the loan terms can range from 3 to 36 months, depending on the lender you choose. If the lender’s terms satisfy your requirements, you can accept their offer. If you do not like them, however, you should not feel obligated to accept their offer. In addition, if you do not get any offers, BadCreditLoans will try to put you in touch with someone else.


They use modern encryption technology to protect each user’s data, ensuring you have a secure online experience. Personal privacy rights are acknowledged and safeguarded for all clients, and they work hard to secure your information.

They are committed to protecting and respecting the privacy and security of their client’s personal information and of all visitors. Their privacy policy, which details how they use and protect consumer information, is available on their website.

Interest Rates and Fees

The process of applying for loans on the platform is free. Small loans with APRs ranging from 5.99% to 35.99% are ideal, and APRs vary based on the information you supply in your loan application.

Loans typically have a 90-day minimum payback period and a 72-month maximum repayment period. Because the website’s goal is to connect borrowers with lenders, interest rates change.

They will match you with lenders who have requirements that correspond with your profile and needs, and you will be able to contact them directly for further information on interest rates and other loan terms.


  • Dedicated to keeping your privacy
  • Loans range between $500 and $10,000
  • Same-day loans available
  • No fees for application
  • Debt credit consolidation offered


  • Eligibility requirements can be strict
  • Loan limits are lower than expected

Customer Experience

Customers are generally pleased with their service because it is quick and sympathetic to those with bad credit scores. BadCreditLoans has a reputation for providing exceptional customer service.

They assist clients at every step, and if they are unable to locate a possible lender, they can help them in other ways, such as debt relief and credit restoration. The majority of customers receive loans quickly and have nothing negative to say about the organization.

=> Click here to get more information on BadCreditLoans

#3. CashUSA: Recommended for Same-Day Cash Loans Online


CashUSA is a third-party marketplace that connects borrowers with lenders looking for same-day loans. The platform was created in 2004, and it is the place to go if you are seeking a safe and secure way to apply for emergency loans.

The platform’s network contains a wide range of lenders with different sizes and scopes. As a result, when you apply for a loan on the CashUSA website, you are not actually borrowing money from the company. Instead, the platform connects you with the right lenders based on your needs and requirements.

CashUSA has tribal lenders in their network, just like BadCreditLoans, and since they have so many, the loan approval procedure is swift and painless. However, keep in mind that tribal lenders are not subject to state regulation and may charge higher interest rates.

Many clients have profited from the industry-standard encryption technology in receiving the funds they want. Furthermore, the application process is simple, as all you have to do is go to their website and fill out the provided form with your personal information. The whole process takes only a few minutes.

Then, they will find a lender for you, who will make you an offer you can accept or refuse. If you accept their offer, the funds can be transferred as soon as the next day. But, if the offer is not compatible with your requirements, you can always turn it down.


Loan Limits and Terms

Interest rates at CashUSA range from 5.99% to 35.99%. When compared to other loans, these rates are high, but they are affordable for people with bad credit. The loan terms are available for 3 to 72 months.

You must be a citizen or permanent resident of the United States to be considered for a loan, and to be eligible, you must be at least 18 years old, have a monthly income of at least $1,000 after taxes, and have your own bank account.

The lenders on CashUSA often offer loans ranging from $500 to $10,000, and you will not be charged any additional fees for using their service. If you have bad credit and you need money fast, this is the place to go. Just fill out the free application form, and they will take care of the rest.

Safety and Security

CashUSA takes pride in providing consumers with a loan process that is quick, simple, safe, and reliable. They are dedicated to protecting the privacy of those seeking help, so anyone applying for loans online may rest confident that their personal information will be kept private at all times. Personal loans are available from a wide range of lenders, and CashUSA may be able to help you discover one.

Interest Rates and Fees

Because the platform acts as a middleman between borrowers and lenders, the loan charge and interest rates are unaffected. The costs differ by lender, but the website is completely free to use. So, you can apply for loans without putting down a hefty deposit on the site, and you can look at a lender’s terms and conditions to see whether they are right for you.

New users can typically borrow between $500 and $10,000, with lower credit limitations in some regions. CashUSA will perform all of the legwork for you, including sifting through lenders and submitting separate loan requests to each one. They connect you with lenders who suit your requirements and have conditions similar to yours, and they help you connect with them.


  • Same-day access to your funds
  • Decent loan range
  • Safe and encrypted website
  • Simple application process
  • No additional fees


  • Cannot take out two loans at the same time
  • Eligibility requirements considered strict for some

Customer Experience

Customers appreciated how quickly and efficiently they were matched with the appropriate lenders. The company scored 4.8 out of 5 stars on the customer service website.

Customers also praised the professionalism with which customer service personnel responded to their questions. Users have mentioned they will recommend this website to their family and friends, exhibiting their trust in it.

=> Click here to get more information on CashUSA

#4. Personal Loans: Best Interest on Personal Loans


This service, based in Utah, allows you to contact a personal loan lender swiftly and simply through their wide network, which connects potential borrowers with lenders all throughout the country.

The success of Personal Loans can be linked to the vast number of lending partners it has. Because they have been there for so long, they have managed to build up a terrific reputation. They also have the trust of a significant number of happy consumers who cannot say enough good things about them.

Personal Loans has a user-friendly website as well as a free online application you can fill out from the convenience of your own home. The site’s broad network allows it to assist borrowers with a wide range of credit scores and backgrounds in receiving the financing they need. It also implies that Personal Loans may be able to provide a wide selection of loan types, sizes, and terms to meet almost every personal loan need.

With Personal Loans, you will only have to fill out one application to receive multiple bids from lenders who best fit your qualifications. The application is easy and quick to use, and once you have completed it, Personal Loans takes over and works to find you a loan that is a good fit for your needs.

They will send you to their website to see the terms and conditions after you have been matched with a lender. Then, you can expect funds to be transferred to you within a day after you have been authorized for a loan.


Loan Limits and Terms

You should be at least 18 years old with a monthly income of $2,000 or more to be eligible for a loan. A social security number and, most critically, a bank account in your name are also required.

You can borrow money in quantities ranging from $1,000 to $35,000 with Personal Loans, so you can essentially apply for as much money as you need. Their loan terms are also extremely flexible, as you can pay back the money over a 3-to 72-month period. However, smaller loans may be preferable if you have a bad credit score because they are easier to get and repay.

No Fees or Prepayment Penalties

You have the option of paying off your loan early at any time. If you take out a loan with Personal Loans, you will not be charged with any origination fee, so the loan may end up costing less because there are no hidden fees.

Interest Rates and Fees

Personal Loans provides competitive interest rates ranging from 5.99% to 35.99%, assuring that even if market rates rise, you will not be charged greater interest rates than the agreed-upon range. At no expense to you, they connect you with lenders in their network.

They will not, however, intervene with your contract once you have been tied to a lender. When it comes to negotiating terms and borrowing limits, you are on your own, as each lender has its own set of regulations.

If they are unable to find a lender for you, they will refer you to third-party lenders by displaying adverts for debt relief, credit repair, and other credit-related services. You do not have to be concerned because Personal Loans will not expose any of your personal information from your loan application. They will just provide them with your contact information in order for them to stay in touch with you.


  • Loans available between $1,000-$35,000
  • Can get your money the same day
  • Fast approval time
  • Keeps your personal information safe
  • No additional fees required


  • Monthly income requirements are way higher than on other platforms

Customer Experience

The company has received a lot of great comments from customers, who have said the application process is quick and that same-day funding is available. Borrowers can use Personal Loans to pre-qualify for loans from a variety of online lenders.

Personal Loans features a well-designed website that includes comprehensive information about their terms, loan application process, and firm. If you have any issues during the loan application process, you can contact their in-house customer service team by phone, email, online contact form, or mail.

=> Click here to get more information on Personal Loans

What to Consider When Looking for Same-Day Loans

If you find yourself in need of a loan ASAP, it does not mean you have to accept just any offer that may come your way. Doing that may land you in deeper trouble, and you want to avoid additional problems. With that in mind, there are important factors that cannot be overlooked when looking for same day loans online with no credit check and instant approval. So, we compiled a list below of the essential things to know before accepting a loan offer.

  • Consider the Amount You Need to Borrow

It is vital to understand you do not only pay back the money you borrowed when you borrow money, as you must pay interest or rent on it. It is pointless to pay interest on money you do not need, so only borrow as much as you require.

On the other hand, you may be forced to turn to more expensive loan sources at the last minute if you borrow less than you need. So, ensure you can repay the money you borrow. Nothing is more frustrating than going into debt when the prudent course of action would have been to wait until your situation improved.

The reputation of the website is one of the most important elements to consider when applying for a loan because it will connect you with potential lenders. They will have access to personal data such as your bank account details.

So, the website should have an impeccable record in dealing with such situations so you can rest comfortably that your personal data is safe. The best way to establish the site’s reputation is to read consumer reviews. Because reviews are posted by people who have already utilized their services, you can learn if anything is wrong or if people are being duped.

One of the first things you will notice when looking for a loan is the interest rate, or “APR.” The amount you will have to pay back on your loan is affected by interest rates, and as a result, lower numbers are preferable.

The annual percentage rate (APR) varies depending on the lender. The best payday loan company has the lowest interest rates, so you do not have to worry about overpaying. When comparing interest rates, keep in mind that you are usually only looking at the average rate, not the rate you will get. Your exact interest rate is determined by a number of factors, including your credit history and the type of loan you are taking out.

You should also ask about the length and difficulty of the application process when evaluating lenders. Your lender will gather information such as your monthly wage and the amount of debt you owe, which is used to assess your loan repayment potential.

Some lenders require a lot of paperwork, while others do not, depending on the loan size and length. If you need money right away, seek a lender that allows you to apply online and has fewer documentation requirements. Income tax records, bank statements, financial and articles of incorporation, and franchise agreements, among other papers, can help expedite the approval process.

Make sure the terms and conditions of the website are flexible. If you have a poor credit score, flexibility is especially important. If your credit score is in the 600s, the majority of lenders on your chosen website should be willing to lend you money.

Finding lenders willing to lend to people with even worse credit scores, on the other hand, can be difficult. So, look to see if the website you are on offers these lenders, then look for those who will lend money to you even if your credit score is under 600.

Before committing to one of the online lenders, make sure you do your research and compare the various interest rates and terms on the loan offers. This way, you will be able to narrow down your loan options and select the best loan deal for your needs.

Frequently Asked Questions: Same-Day Loans

Q. Are There Differences Between Same-Day Loans and Payday Loans?

No, there are no significant differences, if any. You may be able to get a rapid payday loan, but there are also many forms of same-day loans available. If you take out a payday loan, your next paycheck will almost always be used as collateral.

Consumers with bad credit can get payday loans, but they come with exorbitant fees and interest rates, which can reach 500% in some situations. If you cannot afford to pay back a payday loan, it could be disastrous. Payday loans should be avoided at all costs, not only because of the high interest rates but also because of the potential predatory character of payday lenders.

Q. How Much Money Can I Borrow with a Bad Credit Score?

Many lenders will consider other indicators, such as proof of monthly income, in addition to your credit score when determining loan eligibility. If you have a bad credit score and pay high-interest rates, many internet lenders may be willing to give you up to $25,000 if you have a bad credit score.

The first thing to think about is how much you will need. If you only require $1,000, for instance, you should only request that amount. This is because the smaller the loan, the easier it will be to obtain approval and the lower the interest rates will be.

Q. What Can You Get an Online Loan For?

You are free to spend the money on whatever you like. Unlike other types of loans, a personal loan has no restrictions on how you can utilize the money you borrow. Other traditional loans may not provide you with the same level of flexibility. For instance, you can only buy a car with a car loan, and you are unable to use your student loans to purchase a home.

A lender will almost certainly inquire about your plans for the loan funds. While your answers may not exclude you from the unsecured loan, the lender may use them to assess your level of responsibility.

If your credit history shows you owe a lot of money and have a history of missing payments, a lender may be hesitant to lend you $5,000 to go on vacation. However, if you need money for home remodeling or car repairs, the same loan may seem more feasible.

Q. What Is a FICO Score?

FICO scores were created 30 years ago by the Fair Isaac Corporation (FICO) to provide an industry standard for fair creditworthiness grading to both lenders and consumers. Before the FICO score, there were multiple distinct scores, each with its calculation process, and some even included gender and political affiliation.

Your FICO score, which is a three-digit number, is determined by the information in your credit reports, and it helps lenders figure out how likely you are to repay the loan. This impacts the amount of money you can borrow, how long you have to repay it, and how much it will cost.

When you ask for credit, lenders need a quick and trustworthy means to assess whether or not to lend you money. Almost always, they will look at your FICO ratings, which are determined by how long you have had credit, how much credit you have, how much of your available credit is being used, and if you have made timely payments. Because FICO scores are based on your credit information, paying bills on time, avoiding excessive debt, and making good credit decisions can all help you improve your score.

Q. What Is a Bad Credit Loan?

These loans are generally ideal for people with bad credit because they offer fewer eligibility requirements but potentially higher interest rates. When assessing loan eligibility, many lenders will look at other factors, such as evidence of monthly income, in addition to your credit score. BadCreditLoans is a good loan option if you need to make car repairs, make some emergency purchases, or pay a bill that would otherwise charge you a hefty fee.


So, these are our top picks when it comes to same-day loans online with no credit check and instant approval. We know everyone can fall on hard times, so with that in mind, we made this list to offer everyone the possibility of getting out of a difficult situation.

With the platforms reviewed in our article, you will not need to worry about a credit check, as it does not even matter to the lenders if it is bad or not. No matter your FICO score, there will be someone willing to lend you money.

You just have to be sure to choose a safe platform, like MoneyMutual, BadCreditLoans, etc., from our list, which will take care of your private information. That is why thorough research is so important in these cases.

Source link

]]> 0
Instant loans available with same-day funding Thu, 28 Oct 2021 08:53:58 +0000 Short-term loans such as instant loans with same-day funding or same-day loans are available for emergency and unplanned expenses. These loans are not available in every state and are often subject to regulation by the states. This page provides information on instant payday loans as well as other options. What loan can I get on the same […]]]>

Short-term loans such as instant loans with same-day funding or same-day loans are available for emergency and unplanned expenses. These loans are not available in every state and are often subject to regulation by the states. This page provides information on instant payday loans as well as other options.

What loan can I get on the same day?

Short-term loans that you can be approved for and have deposited within 24 hours are payday loans, cash advances, or installment loans. These loans can all be obtained online. While there are some offline options, such as title loans or pawn shop loans we recommend that you stick with online options via to ensure your safety during the COVID-19 pandemic.

Payday loans and cash advances

Payday loans are short-term loans that you can use to pay for unplanned or urgent expenses. These loans are quick and high-interest, but you shouldn’t use them for longer than two to three months. Although it is possible to obtain a payday loan the same day, not all lenders offer this option.

Installment Loans

An installment loan is an unsecured personal loan that allows you to borrow a larger amount over a longer time period with no collateral. Because the APR on installment loans is lower than that of payday loans, and because the loan is repayable in smaller amounts over a longer period of time, this is a better option.

For instant loans, direct lenders vs. broker

You have two options when looking online for a loan. One, you can get it directly from the lender, or, you can use a broker to help you. Although it might seem more logical to contact the lender directly, there aren’t many benefits to using a broker.

If you are certain about the lender from whom you would like to borrow money, this should be your first choice. If you’re looking for a better deal, or your credit score is low, you might consider using a broker.

  1. Direct lenders may only offer their products, even if it isn’t the best for you. Brokers or loan-matching services such as 67CashToday provide a better overview of different lenders and loans to help you find the right deal.
  2. A loan-matching service is free.
  3. The broker will do all the searching and you only need one application form that is sent to multiple lenders. This saves you a lot of time.

What happens if my credit score is not good?

You can get instant approval loans with same-day financing. Yes. It will not be an easy task. It is not. No.

Your credit score will affect your chances of getting a loan. It is a good idea to request a loan and check for offers that may be of interest. You can also apply for a secured loan if you don’t get any offers. If you have collateral that can back up the loan, your credit score will not be affected.

Learn more about online loans to bad credit that offer instant approval

What is the best way to get a loan?

It is safer to apply for online loans to avoid the risk of contracting coronavirus. You can apply online for a loan through websites such as 67CashToday, submit the paperwork, and communicate with the lender to receive your funds.

Avoid the cycle of debt!

Responsible lending is what we believe in. Installment loans and payday loans have high-interest rates. They should only be used in an emergency situation and only if the borrower can afford them. Payday loans should not be used to repay existing loans or debts for longer periods. This could lead to debt cycles where the repayment date is delayed, leading to extremely high-interest rates and additional fees.

How do I get a same-day cash loan?

Filling out our application is the easiest way to obtain a loan that can be funded in a matter of hours. To be able to connect you to the best lender, we need your contact, banking, and personal details. You can speed up the process by having all the required paperwork and meeting the basic qualifications.

Qualification criteria

  • You must be at least 18 years old and a permanent resident or citizen of the United States.
  • Be able to prove a steady income source or work.
  • You should have an active checking account that allows you to receive direct deposits.
  • You must have a valid physical address, and email address, and a working telephone number.
]]> 0
Are early wage access products a worker-friendly innovation — or loans that need regulation? Thu, 28 Oct 2021 08:49:15 +0000 Hello and welcome back to MarketWatch’s Extra Credit column, a weekly look at the news through the lens of debt. This week we’re once again digging into an obsession of mine: How we define debt or credit and the implications of that definition for businesses and consumers.  Earned wage access products have been at the […]]]>

Hello and welcome back to MarketWatch’s Extra Credit column, a weekly look at the news through the lens of debt.

This week we’re once again digging into an obsession of mine: How we define debt or credit and the implications of that definition for businesses and consumers. 

Earned wage access products have been at the center of that debate recently. These products, sometimes called on-demand pay and early wage access, allow users to receive income from their jobs before it would normally hit their bank account. 

Companies offering these products generally work in one of two ways. In the first model, these companies partner with employers — including some of the biggest and most well-known — and integrate into their payroll system to provide users with money they’ve earned working for the company but haven’t yet received due to the typical biweekly pay cycle. Sometimes the service is offered for free to the employee, in many cases because the employer pays for it. In other cases, users may pay a fee. 

Other earned wage access providers don’t work with employers at all. Instead they ask for access to a user’s bank account and determine how much and when an employee gets paid either through information provided by the user or other data, like how much time they spend at work based on their cell phone patterns. Based on that information, they’ll assess whether and how much money makes sense to advance to the user and provide them with the funds. 

Boosters of these products say they’re disrupting the payday loan industry, using technology to find a cheaper way to provide workers who may have poor or thin credit with the funds they need, and in many cases, have already earned. But as the sector has grown into a multi-billion dollar industry over the past few years, debate has been brewing around whether these products are credit as defined by law. 

How lawmakers and regulators come down in that debate could have major implications for the types of disclosures these types of products are required to provide and the rules, particularly surrounding discriminatory lending, that they may need to follow. It’s a question swirling around a variety of fintech products that supporters say are offering consumers a much-needed alternative to traditional financial services and consumer advocates worry are actually loans trying to avoid the regulations that come with them. 

Some states are looking at this question as it relates to earned wage access products. The Consumer Financial Protection Bureau may look too. 

CFPB weighed in last year

Last year, the CFPB under Kathy Kraninger, the then-director appointed during the Trump administration, issued an advisory opinion saying that earned wage access products that work through employers and that don’t charge employees to use them aren’t credit products and therefore don’t have to abide by certain lending laws. The agency also said that certain earned wage access products offered by Payactiv, a provider in the space, can operate without worry about being held liable to those lending rules. 

Now, a group of consumer advocates is asking the Biden-era CFPB to reverse that decision. Earlier this month, a coalition led by the National Consumer Law Center and the Center for Responsible Lending, wrote to the agency urging officials to regulate earned wage access products as credit. 

“These are loans and viewing them as not credit, allows all sorts of evasions and predatory high cost lending,” said Lauren Saunders, associate director at NCLC. “If somebody advances you money ahead of payday and you repay it on payday, that’s a payday loan.” 

The CFPB under Kathy Kraninger, the then-director appointed during the Trump administration, issued an advisory opinion saying that earned wage access products that work through employers and that don’t charge employees to use them aren’t credit products

Aaron Marienthal, Payactiv’s general counsel said, “it’s not surprising that Payactiv disagrees with most of the assertions in the letter.” Payactiv came up with “an innovation that fixes a lot of problems with other alternative liquidity options that are out there on the market,” he added. “And so suggesting that these products are in any way negative or not consumer-friendly is really backwards.”  

A CFPB spokesperson said the agency had received the consumer groups’ letter and officials “appreciate this coalition’s input on this issue.” 

Some say the question of where the products fit is murky

To some, the question of whether these products are credit is murky. Jim Hawkins, a professor at the University of Houston Law Center, said he started looking at the earned wage access industry more closely in part because he finds products that “don’t fit neatly into the ‘this is credit’ or ‘this not credit’ categories,” interesting. 

“Different earned wage access products are structured differently, but some theoretically have no cost,” he said. “Most of the time what people are worried about with credit is that it’s going to be too costly. On the other hand, especially where there’s a third party involved that’s giving the money in advance, that looks like a debt. If you owe a third party — even if it’s going to come directly from your paycheck — it still looks like a debt.” 

To Hawkins, this ambiguity means it makes sense to design regulations for these products that are more specific to what they do. For example, he thinks they should be required to be non-recourse, or that earned wage access providers can only get funds from someone’s paycheck and a user isn’t personally liable — or subject to debt collection — beyond that. 

In researching these products for a law review article, Hawkins also found that many have terms that are “pretty abusive to consumers,” he wrote, including requiring users to give up their right to trial by jury and their right to sue as part of a class action. Hawkins thinks these kinds of contract terms should be banned as part of regulating the industry. 

James Kim, a partner at Ballard Spahr, who co-leads the firm’s fintech and payments team, said depending how the products are structured, they are already regulated under laws governing payroll deduction and wage garnishment. Any effort to treat earned wage access products as credit would have to be mindful of how they interact with those state laws already on the books, he said. 

He added that some companies have designed their products carefully so that they’re clearly not credit: by partnering with employers who are the entities responsible for ensuring the companies get their money back and by only providing funds to consumers that they’ve already earned. 

“Depending on how the product is designed and structured and delivered there is some regulation around it,” he said. “Therefore there’s no need to rush to judgement. Let’s thoughtfully play this out rather than have this urgency that is false and this desire to paint the entire industry or all products with a broad brush.” 

Hawkins worries that categorizing earned wage access products as credit and regulating them as such could wind up pushing consumers towards more dangerous products. 

“The reality is we’re living in a society where people don’t have access to cheap credit and sometimes have liquidity concerns,” Hawkins said. “If we regulate this out of existence or create an environment where companies don’t want to experiment with better financial products we’ll be left with the ones we’ve had forever and those are really expensive.” 

Worries the products post similar risks to payday loans

It’s true that even when they’re not free, earned wage access products are typically cheaper than payday loans. In some cases, companies will charge a fee, typically $5 or less, for workers to access their pay early multiple times during a certain period of time, sort of like a subscription. In other cases, they may charge a similar fee per transfer. That’s compared to an average of $55 per two weeks for a payday loan, according to a 2016 report from The Pew Charitable Trusts. 

Still, the products can pose risks to consumers that are similar to payday loans, said Rebecca Borné, senior policy counsel at the Center for Responsible Lending. For one, just like with payday loans, consumers can end up in a cycle of relying on the advances these products provide. 

“Because they accessed that $200 early, then they need to access $200 the next pay period and the next pay period,” she said. “The costs of even low-cost earned wage access loans can really add up. What we don’t want to happen is borrowers end up in this cycle of paying anywhere from $30 to $50 to $100 a month just to have gotten one paycheck early.”  

These products also could wind up having high effective interest rates. In his law review article, Hawkins uses the example of a hypothetical employee who makes $80 a day paying $3 to access half of their daily pay seven days early. “The effective interest rate would be close to 390%, the same annual percentage rate (“APR”) as many payday loans,” he writes.

In addition, when earned wage access products don’t work through an employer and instead are sold directly to the consumer, they have access to the user’s checking account. “That is huge,” Borné said. 

“They put the lender first in line,” she said. That means the company could put the consumer at risk of triggering insufficient funds fees or overdraft fees if they debit money from the user’s bank account to get paid back for the advance and the funds aren’t there.  

“All of those risks are the very same risks we talk about when we talk about payday lending,” Borné said. When a borrower uses a payday loan, they also give the lender access to their checking account either by writing a check dated to the borrower’s payday or by giving the lender electronic authorization to debit the account on pay day. 

The CFPB’s advisory opinion only applies to a specific category of products, those that work with employers and are free. “My thought was this covers so little of the market that it’s not that significant,” Hawkins said of the CFPB opinion issued last year. 

But consumer advocates worry that the agency’s determination that at least some versions of this product aren’t credit could be — and is already being used — in debates in statehouses around the country to convince lawmakers to exempt the products broadly from regulations surrounding loans and credit, like usury laws.  They also worry it could undercut supervisory and enforcement actions by regulators against lenders that violate lending laws with products that do cost money.

Marienthal of Payactiv said the company is “actively working with regulators and legislators” to establish guardrails for earned wage access products, like requiring employer verification of wages and ensuring the products are non-recourse so they don’t impact a user’s credit score or result in the user facing debt collection. 

Consumer advocates worry that companies’ push to regulate these products as something other than credit “will lead to evasion of consumer protection and fair lending laws,” they write in the letter. 

“We would acknowledge that a free loan against somebody’s wages is a much better option than a really high cost payday loan,” Borné said. “We’re more concerned about making sure these are regulated in a sound way. Today we may be talking about a free earned wage advance and tomorrow we might be something that is 400% APR.” 

Some states, like Georgia, New Jersey and North Carolina have considered carve outs from lending laws for these products that are “extremely broad,” Borné said. If those exceptions turn into laws, Borné and other consumer advocates worry that riskier earned wage access products could flood the market and that payday lenders may even start to style themselves as earned wage access providers. 

In California, regulators are gathering data 

In California, regulators are in the midst of considering how to approach these products. Recently the state’s Department of Financial Protection and Innovation received expanded authority through the legislature, giving the agency broad powers to supervise and regulate consumer finance products, similar to the CFPB at the federal level. 

But they want to do it right, said Suzanne Martindale, the senior deputy commissioner of the consumer protection division at the agency, ensuring that they strike the right balance between protecting consumers — “particularly when were talking about some of these small dollar offerings, we know they’re being used by people who may be chronically economically insecure,” she said — and fostering responsible innovation. 

One thing that is clear, Martindale says, “it’s not about whether or not to regulate a product, it’s about how.” 

To do that, the agency is gathering information. Earlier this year DFPI memorandums of understanding with several early wage access companies to provide the state with data about things like the company’s number of transactions, volume in dollar amount and effective APR. The agency plans to use this data to get an inside look at how these businesses work and determine which laws apply to the companies, regardless of how the companies describe themselves. 

The California regulator hasn’t decided yet whether these products fit into the category of credit, Martindale said. 

“We have not made a determination yet, we want to have transparent dialogue with the companies and with stakeholders,” she said. “We may, for example, make a determination that we believe needs to be addressed through future regulation. We want to be proactive, but we want to be measured in our approach, because we want to get it right.” 

Source link

]]> 0
Payday Loans Utah | 5 Best Loans in Utah (Installment & Payday) Thu, 28 Oct 2021 08:49:00 +0000 Financial difficulties can happen to anyone at any time. So, if you have temporary financial challenges, you may want to get fast loans such as payday loans in Utah. While payday loans are great, there are some important things you need to know as you choose a reliable lender. Therefore, this guide will take a […]]]>

Financial difficulties can happen to anyone at any time. So, if you have temporary financial challenges, you may want to get fast loans such as payday loans in Utah. While payday loans are great, there are some important things you need to know as you choose a reliable lender.

Therefore, this guide will take a look at the best payday loan options available for you today.

#1 Utah Payday Loan in 2021 – Viva Payday Loans


Best Utah Payday Loans – Quick-Pick

  • Viva Payday Loans – Best Loan Provider for those with Bad Credit. Visit now
  • Credit Clock – Best for Quick Approvals. Visit now.
  • Money Lender Squad – Best for No Guarantors. Visit now.
  • Very Merry Loans – Good for Same-Day Payouts. Visit now.
  • Heart Paydays – Best for Low APR. Visit now.

What Are Utah Payday Loans?

A payday loan is a form of short-term loan that allows a lender to provide a small amount to the borrower. It is a high-interest credit that the borrower is required to repay with their next paycheck. Even if you have no or bad credit, you can still take advantage of this loan option to take care of your expenses.

Payday loans are also known as check advance loans or cash advance loans.

Common Uses of Utah Payday Loans

Generally, there is no restriction about the specific uses of payday loans in Utah. However, the common uses of payday loans include:

  • Settlement of a medical emergency
  • Payment of unexpected debt or debt consolidation
  • Car repairs
  • Recurring expenses such as food, utilities, rent, and credit card bills
  • Mortgage repayments
  • Payment of overdraft

How to Qualify for Utah Payday Loans (Eligibility Criteria)

Just like other types of loans, payday loans have some eligibility criteria. Therefore, to qualify for the loan, you must fulfill those important requirements.

Based on the information from Consumer Financial Protection Bureau, the eligibility criteria for payday loans are:

  • Be 18 years old or more
  • Have a valid identification
  • Possess an active checking account
  • Have a Social Security Number
  • Have proof of income

5 Best Utah Payday Loans – Fully Reviewed

Let’s review the best 5 payday loan platforms.

1. Viva Payday Loans – Overall Best Payday Loan Option in Utah

When it comes to payday loans, is one of the biggest names in the market. Although doesn’t lend anyone money directly, it connects borrowers to the most suitable lenders. After you have submitted your details, Viva Payday Loans will utilize its advanced loan matching system to select a competitive loan deal for you.

Whether you are looking for unemployed loans, no credit check loans, etc., you only need to spend about 5 minutes to submit your application for loans. Also, you will get a response about the approval of your loan application in less than 1 hour. Afterward, Viva Payday Loan will connect you with a lender.

Additionally, you don’t necessarily need to accept the loan deals from Viva Payday Loans. However, just like other payday loans in Utah, the loan is costly, so you should think about this before getting a payday loan from

Since they are not direct lenders, Viva Payday Loans does not have any specific figure for the APR rate, loan amount range, term range, fees, etc. Everything depends on the particular lender you are working with.

Here are some examples of loans from different lenders.

  APR Rate Loan Amount Range Loan Term Range Star Rating
Rise Credit 50% – 299% $500 – $5,000 2 to 24 mnths 10/10
LendUp 30% – 180% $100 – $500 2 to 24 mnths 10/10


  • Loans as much as $5,000
  • Work with several lenders including LendUp and Rise Credit
  • Recommended for people with bad credit or no credit
  • Can be used in many states in the US including Utah
  • Quick response guaranteed


  • Best deal not guaranteed
  • Expensive loan option
  • Not a direct lender

Overall, is one of the most reliable marketplaces for people looking for personal loans. It connects you with an interested lender. However, some of the deals may be too expensive; therefore, don’t rush into accepting a loan offer from any lender.

2. Credit Clock – Best for Wide Range of Loan Options

Credit Clock is a well-established short-term loan portal that provides bad credit loans, payday loans, and lots more. Even if you want no checks on your credit score before getting a loan, this platform can assist you. This online loan marketplace has numerous lenders who are dedicated to offering a wide range of loans from $200 to $5,000.

One of the biggest attractions about is its fast application and approval process. You don’t have to wait for several hours or days to know your fate concerning the loan. You can apply for loans, get approval, and receive the funds within 24 hours. Therefore, if you are looking for a quick loan to deal with any emergency expense, you should check out Credit Clock.

Take a look at examples of loans from

  APR Rate Loan Amount Range Loan Term Range Star Rating
GreenDay Depends on the amount borrowed $100 – $5,000 24 months 9/10
OppLoans 5.99-35.99% $500 – $4,000 9 to 18 months 10/10



  • Fast approval in just a few minutes
  • Payment within 24 hours of submitting an application
  • Good for individuals bad credit or no credit
  • Partnership with numerous lenders including OppLoans and GreenDay


  • No direct lenders
  • Only available for borrowers with a monthly earning of at least $1,000
  • Not available in some states

If you have a bad credit score and need a fast loan, Credit Clock is good for you. While the interest rates are usually high, the loan from can save you from different financial troubles.

3. Money Lender Squad – Best For No Guarantors in Utah

If you are looking for a loan with a low APR, you should visit Money Lender Squad. This online loan portal requires no guarantor; hence, you can take care of your payday loan without involving any third party.

It is important to understand that Money Lender Squad is not a direct lender. The platform will allow you to apply for a loan by completing an online form in a few minutes. Basic personal information and supporting documents will be required. The matching service of will help you to look for lenders that will probably be interested in approving your loan. However, you should note that you are guaranteed of getting loans from any particular lender.

When your loan application is approved by a lender, you will get more details about the loan. If you agree to the loan terms, you will receive the money in your valid checking account by the next working day.

These are examples of loans from Money Lender Squad:

  APR Rate Loan Amount Range Loan Term Range Star Rating
Rise Credit 89% – 449% $300 – $3,500 2 to 24 mnths 10/10
OppLoans 99% – 160% $500 – $4,00 2 to 48 mnths 10/10


  • No guarantor needed
  • Simple and easy-to-use interface
  • Fast, reliable, and automated system for matching borrowers and lenders
  • Extended loan terms
  • No additional or hidden loan charges


  • High interests for people with lower credit scores
  • No direct contact with the lenders

The platform has been servicing the needs of various borrowers for many years. So, if you need loans but your credit score is low, you shouldn’t hesitate to visit for fast and timely assistance. However, you have to be ready to deal with exorbitant interest.

4. Very Merry Loans – Best for Quick Approval and Same Day Payouts

Very Merry Loans is another top-quality loan portal that serves as a link between borrowers and lenders. This online loan portal works with some of the biggest and most reliable lenders in the US. As a result of this, borrowers have vast loan options. Based on your needs and eligibility, you can borrow about $200 to $5,000 through

You need to create a profile on the platform by supplying basic information about yourself. Also, you have to provide evidence that you will be able to repay the loan when due. Notably, the eligibility criteria for Very Merry Loans are straightforward. So, it is easy to know whether your loan will be approved or not.

Using the information provided, Very Merry Loans will look for various lenders that may be willing to offer the money you need. If a lender approves your loan application, you can get a same-day loan. However, in a few cases, the payment may be slightly delayed, but you will still get it within 24 hours.

Look at the following example of a loan from Very Merry Loans.

  APR Rate Loan Amount Range Loan Term Range Star Rating
CashNet USA Depends on the state and the amount borrowed $500 – $1,000 8 – 31 days 9/10



  • Available for the unemployed and people with non-traditional income streams such as freelancers
  • Easy to use
  • Extended loan repayment periods can be used
  • Recommended for borrowers with bad credits


  • Only available for people that earn a minimum of $1,000 every month
  • Interest for 30-day loans is too high
  • Not a direct lender

If you are a bad credit borrower or unemployed, Very Merry Loans is one of the best online loan portals you can use for obtaining same-day loans. This website also caters to the need of people with traditional incomes. Hence, it is a one-size-fits-all loan platform for everybody.

5. Heart Paydays – Best for Low APR

Are you tired of going from one online or offline loan broker to another? Heart Pay Days gives borrowers access to lots of credit lending firms such as ACE Cash and LendUp. It gets rid of the rigors involved in borrowing money as you can get everything done in the comfort of your home.

To sign up and complete an online application form, you only have to spend about 5 minutes. Afterward, will assist you to look for interested lenders in the US. Once a lender has approved your loan request, you can expect the money to be in your account within 60 minutes to 24 hours.

On, fast loans are available for everyone including the unemployed, bad credit borrower, as well as those living on government benefits. The APR, loan amount range, terms, and fees vary from one lender to another. So, before accepting any loan on this online portal, carefully check the terms.

Let’s look at this example of loans from

  APR Rate Loan Amount Range Loan Term Range Star Rating
ACE Cash As high as 35.99% Up to $5000 Up to 24 months 9/10



  • Quick disbursement of loan within 1 hour
  • All processes completed online
  • Lots of reputable lenders are available
  • Higher loan approval rates than most alternatives
  • Available both traditional and non-traditional income earners


  • Not a direct lender
  • Some loans come with exorbitant fees

In a nutshell, Heart Pays Days enables borrowers to obtain loans without any hassle. As long as you meet the eligibility criteria of this platform, you are guaranteed a fair opportunity to get fast payday loans that will offer temporary financial relief.

Features of Payday Loans

Before you get a quick payday loan from any lending institution, you should know the following features of this loan option:

High interest and annual percentage rates

When compared to many other loan options, payday loans have some of the highest annual percentage rates (APR). Similarly, the interest rates of the loans are usually high. Exorbitant interest and APR are some of the major challenges with getting payday loans.

Short loan terms

Since a payday loan is designed to cater to your financial needs until your next paycheck, this loan option doesn’t have a long term. Typically, the loan will last for about two to four weeks. However, some lenders can provide extended loan terms to interested borrowers.

Varying repayment options

If you want to repay your payday loans in Utah and other places in the US, there are various methods you can explore. The repayment options may include a post-dated check, online payment gateway, next payday check, and direct debit from your active bank account.

However, you should note that some lenders may not use a few of these repayment options. Therefore, consider the repayment option of a lender before accepting a loan.

Additional fees

Failure to repay your loan at the right time can lead to several additional fees. For instance, you can incur late fees if you don’t pay back your loan when due. Other additional fees you may need to deal with include nonsufficient funds charges and rollover fees.

Easy Access

Unlike mortgage and other loan types that require time-consuming processes, payday loans are easy to access. The process is straightforward as you are only required to submit basic personal information before obtaining the loan. Hence, it is one of the easiest loans to access in Utah and other states in the country.

Nevertheless, it is paramount to realize that the features of payday loans usually vary from one state to another in the country. For example, in Utah, lenders are not allowed to charge interest for more than 10 weeks after the initial date of offering a loan. Also, the state doesn’t restrict the maximum loan for a payday loan. However, these rules don’t apply in many other states in the US.

Types of Payday Loans

Bad Credit Loans

A bad credit payday loan is a personal loan for individuals with poor credit scores. Generally, if your credit score is low, most lenders will be unwilling to approve your loan. However, with a bad credit payday loan, your low credit scores will not stop you from getting an unsecured loan to settle medical bills, utilities, and so on.

Get a bad credit payday loan here >

No Credit Check Loans

Just as the name indicates, a no credit check loan is a loan that doesn’t require the lender to check your credit scores. Since there are no checks of credit scores, lenders can quickly approve your loan. In most cases, the lenders will only look at your personal information and income proof to confirm whether you can pay back the loan or not. It is noteworthy that the loan amount of no credit check loans is usually small.

Get a no credit check credit payday loan here >

Direct Lenders Loans

With direct lender loans, the lenders are directly in charge of managing the lending process. In other words, the borrowers will contact the lenders directly without visiting a loan portal such as Viva Payday Loans, Credit Clock, and Very Merry Loans. Although direct lenders may offer lower fees, many borrowers may find it difficult to get approval.

Get a direct lenders payday loan here >

Same Day Deposit Loans

When you are approved for a same day deposit loan, the money will be sent into your bank account the same day. Some lenders can even deposit the money in your account within 60 minutes of being approved. It is the best loan option for individuals that are in a hurry to get loans.

Get a same day payday loan here >

Unemployed Loans

Unemployed payday loans are loans for people that don’t have any traditional income. For instance, if you work as a freelancer or earn from property rental, government benefits, trust payments, and allowances, you may not be considered to be gainfully employed. While other loan options may not be accessible for you, you can take advantage of unemployed payday loans.

Get a unemployed payday loan here >

SSI Benefits Loans

SSI (Supplemental Security Income) benefits are for individuals age 65 or above or that suffer from blindness or other disability that prevents them from working for a minimum of one year. If such people need loans, they should consider using SSI benefit loans.

Get a SSI benefits payday loan here >

Payday Loans and Title Loans

Payday loans and title loans are two common types of short-term loans available. However, these two loan types are significantly different.

Foremost, a title loan is a secured loan as you are required to use your vehicle as collateral. As long as the loan has not been fully repaid, the lender will have your car title. However, the car will still be in your possession as you can drive it whenever you want. But if you don’t pay back the loan, the lender has the right to sell the car to cover the debt.

A payday loan, on the other hand, is an unsecured loan as you don’t need collateral to obtain the loan. This means that you will only submit some personal information about yourself as well as proof of your ability to repay the loan. Afterward, the lender will approve your loan and pay you. For payday loans, there is no risk of losing your car or any other possession.

Advantages and Disadvantages of  Payday Loans in Utah


  • Easy to access with fewer eligibility criteria than other loan types
  • Quick response, approval, and pay-out
  • Your credit history has little or no impact on your chance of getting a payday loan


  • High interest
  • Possibility of court case if you fail to repay on time

How to Get Payday Loans from Viva Payday Loans

Step 1: Visit Viva Payday Loans

The first step is to visit Viva Payday Loans.

Step 2: Complete the Application form

On the website of Viva Payday Loans, you need to complete an online application form. You are required to provide the following information:

  • The loan amount you want and the purpose of the loan
  • Your credit profile
  • Your personal information – full name, phone number, email address, home address, and date of birth
  • Source of income as well as the details of your current employer
  • Your earning information – monthly income, frequency and method of payment, and next payday
  • Your bank account details

Step 3: Get your decision

After submitting your application, you need to wait for a few hours as Viva Payday Loans will contact various lenders. Then, you will get a response about whether your loan application has been approved by a lender or not.

Step 4: Receive your loan

Once you have been approved for a payday loan, the lender will send the money into your bank account.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans



What is a payday loan?

Is the approval of my payday loan guaranteed?

Can I obtain a payday loan even if I have bad credit scores?

What is the maximum amount I can borrow?

How often can I get a payday loan?

What do I need to obtain a payday loan?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.

Source link

]]> 0
Auto repair loans: what to know and where to find one Fri, 15 Oct 2021 07:00:00 +0000 Our goal here at Credible Operations, Inc., NMLS number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are ours. Need money to pay for unexpected repairs […]]]>

Our goal here at Credible Operations, Inc., NMLS number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are ours.

Need money to pay for unexpected repairs to your vehicle? An auto repair loan can be a solution to get you back on the road. (iStock)

If you own a car, you will eventually come across an auto repair that is not covered by your vehicle warranty or insurance. It could mean a big bill, or get stuck without wheels.

Without enough savings to cover repairs, you’ll have to find the funds to get your vehicle back on the road. An auto repair loan is a solution to have your vehicle repaired and restarted. Here’s everything you need to know about this financial product.

What is an auto repair loan?

An auto repair loan is any type of loan that can be used to pay for repairs to a vehicle – it is usually a personal installment loan.

With an auto repair loan, you will borrow a lump sum that you can use to cover your auto repair bills. You will be responsible for the monthly loan repayment for a specified period, including interest at the agreed rate.

You can compare personal loan rates from various lenders within minutes using Credible.

How Do Auto Repair Loans Work?

When you take out an auto repair loan, you can expect it to work the same as any other personal loan. Once approved, your lender will offer you personalized loan terms. These dictate how long you have to repay the loan, what will be your fixed monthly payments, the amount of interest you will be charged and whether you are allowed to repay the loan sooner than expected without prepayment penalties.

Personal loans are generally unsecured. This means that borrowers do not have to secure the loan with existing assets, also known as collateral. But borrowers generally need good credit and a stable source of income. in order to qualify.

Benefits of auto repair loans

If you are facing a high bill from your mechanic, taking out an auto repair loan has some advantages:

  • No guarantee is required. Unlike many other loan products, personal auto repair loans are unsecured. You won’t need to set up guarantees – like the title to your car, the equity in your home, or your savings account – in order to take out the loan.
  • You will receive the loan in a single payment. Your lender will provide you with the full loan amount all at once, so you can pay your repair shop and get started.
  • Funding is usually quite quick. Depending on the lender you choose, you may be able to get your auto repair loan funds as early as the next business day.
  • Interest rates are often lower than those of other products. The interest rates for personal loans are generally lower than those for credit cards or payday loans. Your actual rate will depend on your credit score, income, and loan terms.

How to apply for an auto repair loan

Borrowing money to pay for auto repairs can be a straightforward process. Depending on your unique situation and financial history, this can also be relatively quick.

1. Determine how much you need to cover your repair costs. Be sure to factor in things like parts, labor, and any towing costs you might have incurred.

2. Shop around for a lender. Apply for a car repair loan from multiple lenders or shop on a platform like Credible to get multiple offers in one place. It not only saves you time and allows you to shop without affecting your credit score, but also tells you how much you can claim and gives you the best possible deals.

3. Choose your loan. Choose your lender based on the best loan terms available to you (such as repayment period, monthly payments, and interest rate), and even how quickly you can receive your loan funds.

4. Apply. Submit a loan request involves a credit check, which will temporarily reduce your score by at least a few points.

5. Get your money’s worth. Your lender will deposit your loan funds into the account you specified. Depending on the lender you have chosen, you can receive your funds as early as the same day or the next business day.

Where to find an auto repair loan

Most banks, credit unions, and online lenders offer personal loans for auto repairs.

If you already have a relationship with a bank or credit union, you may want to know about the loan terms and rates they offer. Otherwise, shopping online can be a great way to get multiple deals at once without affecting your credit score.

Credible, it’s easy to compare personal loan rates from several lenders.

15 lenders to consider for auto repair loans

If you are in need of an auto repair loan, consider these 15 credible partner lenders.


  • Loan amounts: $ 2,000 to $ 35,000
  • Minimum credit score: 550
  • Funding time: From the next working day


  • Loan amounts: $ 5,000 to $ 35,000
  • Minimum credit score: 740
  • Funding time: From the next working day

Best egg

  • Loan amounts: $ 2,000 to $ 50,000
  • Minimum credit score: 600
  • Funding time: From one to three working days after successful verification


  • Loan amounts: $ 2,500 to $ 35,000
  • Minimum credit score: 660
  • Funding time: From the working day following acceptance

Freedom Plus

  • Loan amounts: $ 10,000 to $ 35,000
  • Minimum credit score: Do not disclose
  • Funding time: From two working days

Loan Club

  • Loan amounts: $ 1,000 to $ 40,000
  • Minimum credit score: 600
  • Funding time: From two working days

Point Ready

  • Loan amounts: $ 2,000 to $ 36,000
  • Minimum credit score: 580
  • Funding time: From the next working day


  • Loan amounts: $ 5,000 to $ 100,000
  • Minimum credit score: 660
  • Funding time: From the same working day

Marcus by Goldman Sachs

  • Loan amounts: $ 3,500 to $ 40,000
  • Minimum credit score: 660
  • Funding time: Usually three working days

OneMain Financial

  • Loan amounts: $ 1,500 to $ 20,000
  • Minimum credit score: Nothing
  • Funding time: From the same working day (but usually requires a visit to a branch)


  • Loan amounts: $ 600 to $ 50,000 (depending on loan term)
  • Minimum credit score: 670
  • Funding time: From two to four working days after verification


  • Loan amounts: $ 2,000 to $ 40,000
  • Minimum credit score: 640
  • Funding time: As soon as one working day


  • Loan amounts: $ 5,000 to $ 100,000
  • Minimum credit score: Do not disclose
  • Funding time: Three working days

To improve

  • Loan amounts: $ 1,000 to $ 50,000
  • Minimum credit score: 560
  • Funding time: Within one working day after having carried out the necessary verifications


  • Loan amounts: $ 1,000 to $ 50,000
  • Minimum credit score: 580
  • Funding time: As soon as one working day

When you are ready to apply for an auto repair loan, use Credible to compare personal loan rates in a few minutes.

3 auto repair financing options to avoid

If you have to pay for an auto repair and can’t (or don’t want to) take out a personal loan, you have a few other financing options. But they can be expensive, and you should only consider them as a last resort.

Payday loans

  • Short repayment terms, often around two weeks
  • Very high fees, corresponding to an annual percentage ranging from 390% to 780%
  • Low loan limits ($ 100 to $ 1,000 depending on state regulations)

Car title loans

  • Loans are generally limited to 25% to 50% of the value of your vehicle
  • The title of your vehicle will be held as collateral
  • Average financial charges equivalent to an APR of around 300%
  • Usually needs to be paid back in as little as 15-30 days

Cash advance by credit card

  • typically have higher finance charges than regular credit card purchases
  • May also charge transaction fees
  • If you do not pay off the balance in full, interest will accrue with the next statement cycle.

Source link

]]> 0