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Getting Money Loans During Tough Times

It’s an unfortunate truth that in tough economic times, lenders tend to increase the already-strict guidelines for granting unsecured money loans. Banks continue to show increasing reluctance to extend credit lines or financial assistance to customers. Even those with good credit are being turned away, and those with poor credit are often denied immediately. This kind of economic climate is increasing the challenges for those in financial tough spots to find emergency cash quickly. Our site offers an alternative to more rigid traditional lending structures. We understand that you can only plan so far for an emergency, and sometimes everyone needs a helping hand. Our goal is to help hardworking Americans who end up in over their heads financially through no fault of their own.

We provide a free service that aims to match customers with lenders that offer loans that may work for them.  Our online service is free and works to find potential lenders in our network. Simply complete and submit our encrypted online form.  If we find a possible lender, you will be presented with the next steps to complete your loan request. If you are presented with a loan offer, you will have the option to review the terms of the loan, which you may approve or decline. We encourage you to always read the terms of your loan thoroughly before accepting them, no matter where you get your loan.

Remember that short-term loans should only be used as last resort options in situations of financial emergency. Make sure to review all terms before agreeing to a loan offer.

Why Traditional Banks Can’t Always Help

Most lenders reward those with above-average credit, but most people are in need of loans because of money problems, not because they’re able to pay all their bills on time. Even people who may have previously been financially secure can run into situations, such as a lengthy illness resulting in unexpected job loss or sudden breakdown of a vehicle. When so many families are already just barely making ends meet, it doesn’t take much to send your budget off-balance.

The requirements to request a payday loan are straightforward:

  • Be at least 18 years old.
  • Earn at least $1,000/mo. after taxes.
  • Be employed for at least 90 days at your current job.
  • Have a checking account in your name.
  • Provide home and work telephone numbers, and an email address.
  • Be a U.S. citizen or permanent resident.

How We’re Different

Money Loans offers a way that you can essentially get an advance on your regular paycheck, but without the embarrassment of asking your boss for financial assistance. Then the next time you get paid, you can pay back the lender with an automatic debit from your bank account. Since you choose the loan amount yourself, it’s easy to make sure it’s in line with what you can afford to repay. This can help you to repay our money loans quickly and manage debt. And unlike a credit card or other long-term loan, you won’t have that amount hanging over your head for months, or even years.

Our Easy Request Process

The requirements for requesting a payday loan are straightforward. First, you need to be a United States citizen or permanent resident. You’ll also need to provide us with proof of your income, plus a valid email address and a working phone number. We’ll also need the bank account where you’d like the money to be deposited. You can be approved as soon as today, and receive your money as fast as tomorrow.

The Federal Truth in Lending Act protects borrowers because regulations require lenders to disclose loan terms like rates and fees in advance.  You are not obligated to accept a loan offer.

Representative APR Range is not a lender but provides a free service that works to match consumers with lenders in our network. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to factors including the information supplied by you in your loan request and your lender. You will be given the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement in the loan request process. The APR on a payday loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on, if applicable.

Managing Finances

No matter how financially responsible you normally are, planning can’t protect you from every emergency. Although it’s important to be responsible with your money, it’s also important to realize that resources like our site can help deal with unexpected financial emergencies. Don’t let poor credit hold you back from the future you deserve. Our network of lenders works with all credit, so you can request a loan even if you have less than perfect credit.