The state of Virginia still allows payday loans and car title loans, but there is a good deal of legislation concerning both products in the state. Photo Credit: AR McLin/Flickr.com/CC-BY

The state of Virginia has been on the front lines of regulating short term loan lenders like payday loan and car title loan companies in attempt to reduce their use. Both consumer finance products have been subject to stricter legislation that has dramatically reduced the use of such products.

Car title loan lenders operating without license in Virginia

The state of Virginia has recently released its first report about use of car title loans in the state, according to WHSV, an ABC affiliate in Harrisburg, Va. The state of Virginia passed a law that capped the interest rate and fees that could be charged by car title lenders in the state. That law took effect in October of 2010. The law also required that any businesses lending such loans get a license to operate in the state. In the last three months of that year, 25,000 loans have been lent for a total of $21 million in loan capital. There were almost 200 people whose cars were taken away because of default. According to The News Leader, a Gannet newspaper in Staunton, Va., there are 23 title lenders operating in the state but only seven are licensed.

Illegal online lending considered a problem

Consumer advocate groups like the Virginia Poverty Law Center are advising Virginians not to enter into any contracts with any unauthorized parties such as unlicensed title loan lenders and online payday loan lenders. Lending online payday loans is a felony in Virginia. Payday loan lenders themselves are authorized if the businesses are licensed and contained to a brick-and-mortar store. Laws were passed in 2008 that regulated payday loan lenders. There were more than 800 payday lenders in Virginia in 2007, according to the Washington Post. By 2010, there were fewer than 300. Legislation that would institute an interest rate cap of 36 percent has been brought before the Virginia General Assembly but never passed.

Credit carries risk

Payday loan lending and car title lending are seen by some as predatory, while others see them as simply alternative forms of credit. Any and all forms of credit carry risks. Credit cards can keep a person indebted in perpetuity, and the thousands of people who have lost their homes to foreclosure can attest to the risks of mortgage foreclosure. People who have hundreds of thousands of dollars in debt with student loans can’t discharge the debts they accrued for their education, even in bankruptcy. Laws vary by state, and borrowers should always do their homework concerning any financial product they are interested in obtaining.

Sources

WHSV

News Leader

Washington Post

Is it natural to restrict consumer choice? (Photo Credit: CC BY-ND/NAME/DownSouth.us)

Payday lending has been outlawed in Arkansas since 2009, but that hasn’t stopped some consumers in need from looking to online payday loans funded from outside the state. Unfortunately, freedom of choice isn’t viewed kindly by Arkansas Attorney General Dustin McDaniel, reports the Arkansas News. McDaniel’s office obtained court orders barring two online payday lenders from issuing loans to Arkansas residents.

Arkansas has a 17 percent APR cap

Payday lending laws in Arkansas specify that interest be capped at 17 percent APR, a far from tenable rate, as numerous independent studies have shown. The online payday loans in question charged 300 percent APR, which is not out of the question in the industry, although the numbers are deceiving because the loans are not 12-month loans.

Kansas-based companies Geneva-Roth Capital and Geneva-Roth Ventures, which do business online under the banner of Loanpointsusa.com, were named in one judgment. The companies agreed to stop issuing payday loans to Arkansas residents, cancel about 700 pre-existing loans in the state, give up more than $700,000 in claims and pay the State of Arkansas $60,000 in legal fees.

The second judgment, against Kansas-based Arrowhead Investments (which also transacts as Galaxy Marketing), forced the company to stop issuing Arkansas payday loans, abandon $44,370 in claims against 162 Arkansas residents and pay the state $30,000.

All payday lenders involved were required to withdraw negative credit marks against any Arkansas borrowers.

Legislating against the people

Regarding payday loan laws in Arkansas, one might wonder why it was deemed necessary in the first place to restrict consumer choice. While they didn’t have payday loans specifically in mind, two very famous men had poignant things to say about unjust laws. Indian independence leader Mohandas Gandhi once said that “An unjust law is itself a species of violence,” while U.S. civil rights figure Martin Luther King, Jr. said that “An individual who breaks a law that conscience tells him is unjust … is in reality expressing the highest respect for the law.”

While the two men were not addressing the concept of payday loans specifically, their message is clear. Unjust laws can be injurious. The conflict exists between federal and state law, as payday loans are a legal consumer finance product on the national level. The same holds true for most states, which makes one wonder why Arkansas consumers need such protective guidance from their nanny government.

Sources

Arkansas News

Arkansas State Board of Collection Agencies

Loanpointsusa.com

Mississippi legislators didn't buy the so-called Biblical argument against payday loans. (Photo Credit: CC BY-SA/Ken Lund/Flickr)

Opponents of no credit check payday loans frequently support their arguments by referencing religious documents, such as the Bible, that claim payday lenders practice usury – charging an “exorbitant or unlawful rate of interest.” Charlie Mitchell of the Mississippi Clarion-Ledger makes this mistake in his recent criticism of Mississippi House Bill 455, which will enable payday lenders to continue to do business in the state. Upon closer inspection, it becomes clear that interest-bearing no credit check payday loans are neither usurious nor “sinful” in the Biblical sense.

No credit check payday loans and interest rates

The crux of Mitchell’s argument is that payday lenders charge too much interest on an annual basis, and short term loans are sinful devices that impoverish the working man. This ignores the fact that payday loans are not intended to be paid off over the course of 12 months; most have terms ranging from two weeks to 90 days. If the lender charges the borrower $15 to $25 per $100 loaned, the borrower is paying a 15 to 25 percent fee, not a 500 percent APR as Mitchell claims.

The Bible does not condemn payday loans

Because Mitchell’s facts regarding online payday loan terms are lacking, he is left with the Biblical avenue of attack. While it is true that there are numerous Bible scriptures that forbid usury (Exodus 22:25, Ezekiel 22:16-31, Ezekiel 18:8-17), the prime Biblical parable that critics as noteworthy as MSNBC’s Rachel Maddow have used to attack payday loans is found at Nehemiah 5:9-10. This frequently misinterpreted scripture refers to an excessive and unreasonable temple tax levied against the Jews by the Romans that caused the Jews to become financially destitute. Critics of online payday loans, like Maddow, mistakenly replace “tax” with “interest-bearing loans,” and claim that the interest is what brought dark days to the Israelites.

Not only were Hebrews not being oppressed by interest-bearing loans, their God permitted them to lend and charge interest. Consider Deuteronomy 23:30:

“Unto a foreigner thou mayest lend upon interest; but unto thy brother thou shalt not lend upon interest.”

So long as the borrower was a Gentile, everything was fine with God.

Are no credit check payday loans usurious?

Usury is often defined an “exorbitant” or “unlawful” rate of interest. No credit check payday loans are regulated by federal and state laws that clearly establish terms and fees that can be charged, so the product is not unlawful.

As to whether online payday loan fees are exorbitant, the answer is relative. If potential borrowers think an interest rate is unreasonable, they have the option to abstain. If an online payday loan originator cannot lend at a rate that is reasonable for business, loans will not be issued. A mutually agreeable interest rate will always be found in the U.S. free market economy. No credit check payday loans are neither exorbitant nor unlawful, thus not usurious.

Sources

Andrew Breitbart Presents Big Journalism

Crooks and Liars

Mississippi Clarion-Ledger

How no credit check payday loans work

Our lenders work fast, and we're here to help you get only the best. (Thinkstock)

If you’re looking for payday loans online lenders, Personal Money Market has exactly what you are looking for. Through our wide network of online direct lenders, you can easily find the payday loan provider that’s right for your specific needs. In minutes, we’ll sort through our lenders to help find you the best — with a single short application form.

Our payday loans online lenders work fast

When financial emergencies take place, there’s no time to waste, and our payday loans online lenders can help you save valuable time. The online application takes an average of 2.5 minutes to complete, and approvals are fast, too. The moment you hit “submit” we will go right to work to pair you with the best lender, based on the information your provide us. You should receive notification shortly thereafter, and upon approval, you can have your cash in as little as two hours. Now that’s fast.

Requirements for online payday loans

Our payday loans online lenders have only a few primary requirements applicants must meet to increase their chances of approval. The following four are the main conditions:

1. Applicants must be at least 18 years old
2. Provide proof of identity
3. Have an open and active bank account
4. Employed for the past three months and still working

If you meet all of these requirements, you should have almost no problem at all getting approved for these fast loans online.

Installment loans online

Our lenders understand that sometimes paying bills on time can be difficult. There are many good reasons why a person would need some help or more time to take care of necessary expenses. So, in case more time is needed to pay off your loan, our payday loans online lenders can set you up with installment payment options. This means you can pay down your loan in small increments, so you can have a little more breathing room come next payday.

Find the best payday loans online lenders | Start HERE

(Photo: fady habib/Flickr/CC-BY)

Society is built with a certain structure and on a system of beliefs that controls and limits individuals. Society, after all, is the response to the human need for an order. This is the origin of values, norms and laws. A set of values are identified and held as the greatest ideals of the human community. These ideals are then made into policy; they are enforced by laws and the institutions of government. These are the norms and standards of society.

Law and Order

In society, the idea that the norms and values must be protected made deviant activities criminal, even if the acts stem from individual expressions. Society is built to service the whole, not the individual, thus his or her personal expressionism is to be set aside. Any act, however creative, is suppressed if it goes against social morals.  This is the case of the editor of Playboy, who is being hounded by the authorities in Indonesia for his part in what is referred to as pornography. This is the fate of those who go against the system or the established standards of society.

Social defiance

From an alternative point of view, the lines separating pornography from art and literature are never well-defined. Moreover, it is always a difficult task to create a clear-cut distinction between the two. This makes the realm of expression overlap with the domain of law, norms and values. Furthermore, given the context of Indonesia’s cultural and socio-religious framework, this becomes a matter of great controversy. To defy the very core of the community’s belief — for self-expression — is a grievous thing, but would it be worth it? Could it ever be as simple as applying for an online installment loan or online payday loans?

Shift of paradigm

Defying the established order of things is not necessarily viewed as negative. However, only in contesting the standards and values of a certain society are these things re-evaluated. This serves as a catalyst for genuine social transformation, and certain segments of society will likely resist this change. Nevertheless, some will institute these alterations and become the basis for change in trends in the status quo. The start of a revolution as to how society works will begin with radically new ideas adopted by some.

Sources

http://www.google.com/hostednews/afp/article/ALeqM5ggfR-j53_R2J5YUimg32vWLLU4HQ?docId=CNG.5eafcba4bf53b470f39c1ecb5aaf1e29.121

http://www.esextherapy.com/dissertations/islam%20dissertation.pdf

How I discovered sameday payday loans

I exhausted all possible avenues to pay off my traffic fine before my driver’s license was suspended. I live out in a rural town, so going to a walk-in payday loan store was out of the question. I then decided to forget about the whole mess and do some relaxing web browsing. Thankfully, I stumbled across a site called Personal Money Market and in an instant, my problem was solved.

Personal Money Market offered a solution, fast

As I read through the website, I found out I could get the money I needed, quickly and easily. I filled out the simple online application form and was immediately matched with a lender that was right for my specific needs. I was given the opportunity to have the money loan directly deposited into my checking account, and it was there, available to use in just two hours. I didn’t even need to fax a thing, and that really made things easy for me. I would never have thought there really were such things as sameday payday loans.

Sameday payday loans have never been easier

The same-day loan I received helped keep my license valid. Personal Money Market was truly the needed solution to my financial crisis; I would recommend this service to anyone who is going through similar financial situations. So if you ever find yourself in a crunch, do what I did and you won’t be dissatisfied. The next time you hear from me, I’ll be enjoying the freedom of the open road. The only difference is that now I know I can get payday loans – the same day I apply –to help finance any unexpected, short-term money problem. Thank you Personal Money Market!

Apply for sameday payday loans | Start HERE!

Every online loans lender gets on a bull's back with every loan. Image from Wikimedia Commons.

A lot of people have the idea that lenders of online loans can get away with just about anything. The offices for any online personal loan or installment loan could be anywhere, so people get the impression they can’t be tracked down. However, online loan lenders actually have to be far more careful than the average payday loan store. Online payday loan lenders face far more risk than banks or credit card companies.

Online loan lenders face more risk

Contrary to popular belief, payday lenders do not make money hand over fist. In fact, it can be downright hard for a lender to even turn a profit. The largest risk for a payday lender is default. Comprehensive data does not exist on the rate of defaulting on loans or on late payments, as the industry is largely privately held and many private entities are hesitant to publish their financial records, which in the case of the payday lending industry, has been acknowledged many times over. Online lenders face perhaps the greatest risk, as they have no community presence (no “face” to put on the name) and can be without any means of collection if a customer decides to take the money and run.

Loss for payday lenders is guaranteed

One study indicated that losses could account for as much as 25 percent of operating costs. That’s just for traditional payday loan stores, never mind online payday loans lenders. In 2009, the auditing firm Ernst and Young did a study of all the members of the Financial Service Centers of America, or the FiSCA, one of the major trade organizations that many payday lenders belong to. The typical payday lender in the FiSCA study charged $15.26 per $100 loaned, and of that $15.26, $3.74 of the fee went toward bad debts. Just more than $1.00 was realized as profit.

Online lenders the most vulnerable

An online payday loan lender has to assume a lot of risk. Essentially, every loan application is asking for hundreds of dollars to be lent, sight unseen. That’s a lot to ask of any business. You can read more in the payday loan facts and statistics report on Personal Money Market.

Get instant approval on payday loans online

Personal Money Market’s objective is to provide payday loans with instant approval. Upon approval, you can get cash deposited straight to your bank account, typically in as little as two hours. There’s no waiting line or a “first come first serve” system in play. Our lenders always work fast and efficiently to get you the money you need, without having to put you through the typical hassles of borrowing money.

Instant approval, even for people with bad credit

Worried about bad or poor credit? No problem. You can get installment loans for bad credit, instead. As soon as you complete and submit your loan application, you will be matched with the lender that fits you best, based on the information you provide us with. All of this can happen in just a few short seconds.

Most of our lenders require no credit checks, so it matters very little whether you have good, bad or no credit at all. You will not be turned away or treated any differently because of a less-than-decent credit score. You get the help you need — when you need it — right here with our payday loans with instant approval.

Benefits of applying for online payday loans

Applying for online payday loans with instant approval has many benefits, especially when life’s unforeseen financial trials call for immediate solutions. You can save time, and saving time could mean more money saved on your end. You can also prevent overdraft fees and other late penalty charges, and most importantly, you can steer clear of more damage to your credit score. And anyone on the journey to credit repair knows very well to avoid more late payments on their credit scores.

So go ahead and apply. You submit one short application online — we’ll do the rest for you.

Online payday loans with instant approval | Start HERE!

Online payday loans with instant approval

If you are short of time and need a quick, easy fix, rest easy knowing there is help available. You shouldn’t have to waste more time and money driving around town just to find a lender that’s willing to work with you. That is what Personal Money Market is here for.

You can cut the waiting time out by completing our short application form, located below. Once you submit your application, you should get an answer within seconds. Based on your provided information, we will sort through our network of payday advance lenders and pair you with the best. There is no need to make multiple stops, checking in with one lender after another, only to discover you are being denied of the help you’re looking for. Let us help you find the easiest payday loans online with instant approval.

Online payday loans for people with bad credit

Are you worried you might not qualify because of bad or poor credit? If so, you should be pleased to know that Personal Money Market also works with lenders that provide loans specifically for people with bad credit.

Getting loans for people with bad credit is made simple when you apply here for the cash help you need. Even better, if you should need more time to pay off the loan, you can apply for installment loans for bad credit. Unlike traditional payday loans online, this type of loan can be paid off in small increments that work hand-in-hand with your monthly budget. Be sure, however, to inform your lender of your situation and payment preference.

Online payday loans – get instant approval. Start HERE!

Get cash today

It’s quick and easy to get an online cash advance at Personal Money Market. Check out these benefits:

• Rarely any credit checks or faxing
• No driving or standing in line
• Online application takes just minutes
• Best payday lender located instantly
• Immediate response to your loan request
• Direct deposit to your bank account
• Loans from $100 up to $1,500
• Funds often available in just two hours

Enjoy financial flexibility

An online cash advance provides the extra flexibility you sometimes need to make ends meet. When you can’t stretch your paycheck until next payday, an online cash advance provides additional funds to use any way you want. The extra cash is great for emergencies, unexpected expenses and major purchases, but you can use an online cash advance to cover ordinary costs of day-to-day living, too.

Pay your bills on time

An online cash advance lets you pay your bills on time. For millions of people with tight budgets and damaged credit, an online cash advance is the fastest and most economical way there is to borrow money. Getting an online cash advance is a more sensible choice than using a credit card because you can’t accidentally exceed your credit limit or run up an unexpectedly large debt.

Pay back your online cash advance quickly

When you can get by on your next paycheck after repaying a small personal loan, an online cash advance is an ideal budgeting tool. Most online payday loans are paid back in one automatic payment on your next payday so that you are completely out of debt in just a few days. If you need extra time to pay the debt in smaller payments, payday installment loans and installment loans for bad credit may also be available.

Start your online cash advance loan application HERE!

What are payday loans online?

Applying for payday loans online can not only get you cash fast, it can also eliminate all the traditional hassles of applying for loans, even on bad credit. The application process is quick and easy online, and it takes just two or three minutes to complete.

Payday loans are small loans that range from $100 to $1,500. People in need of a short term financial fix can use payday loans to pay bills on time, help repair a broken budget and take care of money emergencies as quickly as possible. Money borrowed is usually paid back within a couple weeks, and the typical payment method involves an automatic withdrawal from your bank account, so you don’t have to worry about accumulating late fees.

Online payday loans with instant approval

When you need payday loans with instant approval, the fastest way to get help is through a financial matchmaker like Personal Money Market. Submit one short application online, and we’ll go right to work to find the right lender that fits you best. We work with a wide network of online payday lenders that strive to do one thing and one thing only: provide payday loans online with instant approval.

Once you complete and submit the short application form, you will instantly be given an answer, so there’s no waiting or wondering. A message should pop up on your screen to notify you of your status, and upon approval, you can have cash in your hands in just a couple hours.

Apply for payday loans online | Start HERE!

Personal Money Market an match you with the right loan companies. Whether you live in South Bend, Gary or Kokomo, the specifically designed Indiana payday loan can help meet your financial need.

Get an Indiana payday loan

It can be very difficult to find an agency that will give you an Indiana payday loan, especially when you have bad credit or bankruptcy. But when you apply for online payday loans from Personal Money Market, you get easy access to the help you need quickly. All that really matters is that you have a stable job and make at least $1,000 each month.

How much cash can I expect to get?

You can expect to get up to $1,500, but the highest amount the average person gets is about $1,000. The loan companies make their decisions based on the information given to them and the amount of money made by the applicant.

What are the requirements?

1. Must be 18 years old to apply for the loan
2. Social security number
3. Be at a job for at least three months and still working
4. Have a U.S. citizenship

What if I’m bankrupt?

Even if you are bankrupt, you can still apply for a loan because these loan agencies rarely ever look into clients’ financial backgrounds. There is help available to people with bad credit and bankruptcy.

Where can I apply for an Indiana payday loan?

You can begin the short application form right here below this article. The application takes five minutes or less to complete. Once you submit the form, we will get right to work to find you the right Indiana payday loan that fits you best.

Start your Indiana payday loan application HERE!

Saving money on food can keep you out of debt, physically and financially. (Photo: Thinkstock)

It easy to become overwhelmed when it comes to saving money, but it can be very simple. Many people think that saving money — on food, household supplies or even retirement — is a monumental task that requires a lot of time, money and sacrifice. But it doesn’t have to be that way, especially for those who start off small and slow with a few minor changes at home.

Saving money on food

First off, remember to keep things simple — focus on relatively easy ways to save, like saving money on food purchases. Though the cost of food is rising, you can avoid the need for payday loans by learning a few simple tricks on how to really save money on food. Every little thing adds up, and you will notice a drastic change in your spending lifestyle, as well as your health, if you work on developing good eating and spending habits.

Buy store brands

One easy, painless way to cut the grocery bill is to buy store brand food. As budgets get tighter and food prices run high, more and more consumers are turning to store brands — including higher income families. There are many store brand offerings that are just as good as or better than name brand products. Many supermarket chains are offering more store brand products of better quality, and sticking close to store brand purchases can cut the bill down by 50 percent or more.

Buying in Bulk

Another great way to save money on food and prevent the need for payday loans is to buy in bulk. Pay attention to what items cost the most and consider whether buying in bulk can save you more money. Of course, you may want to avoid buying highly perishable items in bulk, like fresh fruits and vegetables, but things like rice, pasta, beans and potatoes can be stored for awhile. Be careful, though, because buying in bulk can also work against you if you overstock and throw things away. Spoiled food is nothing but money down the drain.

Avoid impulse buying

Before you head out to the supermarket, make it a habit to write out a list first. Focus that list on necessary things you need each month and try not to confuse your wants with your needs. Impulse buying can be deadly to your budget, so plan ahead and stay within your boundaries. If there’s something you want for no reason other than to boost your morale, write up a separate list for it. As you watch your money grow by saving money, go back to that list and budget for one item at a time. Always reward yourself for your efforts that pay off, but never forget that some of the greatest rewards in life are free.

Tip: Plan a small shopping trip during the busiest time of the day. With your list at hand, you will be in-and-out in no time without having the urge to meander around and spark temptation. Get in, get it and get out.

Cook your own food at home

This can sometimes be tricky, particularly if you work a busy schedule. But keep in mind that you can save some serious bucks just by making meals at home. Furthermore, eating processed food and eating out can have a negative effect on your weight and overall health, as well as your budget. If you have a busy lifestyle, planning ahead will help a great deal. And that’s where the magic of the crock pot comes in. Put all the ingredients in the slow cooker the night before, and on your way out the door the next morning, it will take almost no time to pull it out of the fridge and have it cook all day while you’re away. It’s as quick and easy as getting online payday loans. You can come home after a long, busy day to a delicious home-cooked dinner everyone will enjoy.

Get cash today even if you have bad credit

It’s becoming more and more difficult to qualify for credit cards and bank loans, but borrowing extra cash until payday is still a reassuringly simple matter. You can almost always get a payday loan without a credit check, and that’s a great relief for millions of American consumers who now have bad credit.

It doesn’t matter why you need cash today

People have endless reasons for needing quick cash. Whether it’s for car repairs, taxes, medical bills, past-due bills or a nearly-forgotten anniversary, when you apply at Personal Money Market, you won’t be asked why. It’s not always easy living paycheck-to-paycheck, and that in itself is a perfectly good reason for needing extra cash today.

Get cash today and get some sleep tonight

When you need money, it’s hard not to worry about it all day and even harder not to worry about it all night. If you’re struggling with money now but could still get by on your next paycheck after paying back a small personal loan, why not apply for a cash advance today? Most payday loans are paid back in full on your next payday, but if you need more time, you might qualify for an installment payday loan. (And yes, there are also installment loans for bad credit.) Whichever you choose, online payday loans are every bit as convenient as credit cards. They can be less expensive and much easier to pay off, too.

Apply now to get cash today

Need cash today? It’s quick and easy to get if you apply now!

• Online application process is fast
• There’s rarely anything to fax
• Apply from your home or office
• Get up to $1,500 deposited to your bank account
• Low credit score doesn’t matter
• Bankruptcy history isn’t a problem
• Funds often available in as little two hours

Start your quick cash loan application HERE!

You need the best loan

When you need a loan, payday loans can provide instant cash no matter what kind of credit score you have. At Personal Money Market, one short online application instantly locates the best payday loan for your needs. You don’t waste time comparing lenders and you get an immediate response to your loan request.

You need a loan quickly

The minute you’re down to your last few dollars, something unexpected happens and it always involves money. It takes money to make money problems go away, and an online cash advance is a quick way to get the money you need.

• Get up to $1,500
• Poor credit and lack of credit acceptable
• Bankruptcy history acceptable
• Credit checks rarely required
• Fast and secure online application
• Apply in the privacy of your home or office
• Typically nothing to fax and no calls to make
• Automatic deposit to your bank account
• Cash often available in as little as two hours

You need a loan that’s easy to pay back

Most online payday loans are automatically paid back on your next payday. Compared to using a credit card, with a payday loan you aren’t tempted to overspend and you won’t run up a debt that you can’t pay back quickly. If you need a little more time, installment payday loans and installment loans for bad credit let you make smaller payments over a longer term.

You need a loan for peace of mind alone

When you’re short of cash until payday, it doesn’t take long before you’re overwhelmed by past-due bills, late fees, overdraft charges and nagging calls from creditors. So if you need a loan, take a few minutes right now to apply for one. Your peace of mind alone is worth it.

Need a loan? Start your application HERE!

Save money with quick cash from a payday loan

When you need quick cash, think twice before you use a credit card. Credit cards have become an extremely expensive way to borrow money, and the new credit-card lending regulations aren’t likely to change that. Banks struggling to meet the bottom line will always find creative new ways to generate revenue at the expense of credit-card users.

Withdraw cash, write checks or use your debit card

When you need to borrow money, get quick cash from a payday loan rather than a credit card. You won’t accidentally overspend or run up a debt that you can’t pay off. You’ll know exactly how much money you have in the bank, how much you can spend, and how much the credit will cost. With quick cash from a payday loan in your bank account, you can withdraw cash, write checks or use a debit card, whichever you prefer.

Apply for quick cash in minutes

When you need quick cash, save time and hassle by applying at Personal Money Market. One short online application instantly finds the best payday lender for your particular needs. You won’t be asked why you need quick cash and you won’t be kept waiting for a response.

• Bad credit not a problem
• Bankruptcy history okay
• Credit checks rarely required
• No faxing necessary in most cases
• Everything done securely and privately online
• Immediate response to your loan request
• Automatic deposit to your checking account in as little as two hours

Pay quick cash back on payday

Quick cash from a payday loan is as easy to pay back as it is to get. Most online payday loans are paid in one payment and you’re completely out of debt on your next payday. When you need a little extra time to get caught up on your finances, installment payday loans and installment loans for bad credit are also available.

Need payday loans? Start your application HERE!

Quick financing with online payday loans

When emergencies happen and you need fast cash, online payday loans can help keep your finances on track. Just as it helped me, you can get small money problems out of the way so you can worry about bigger, MORE important things — like taking a road trip the way you’re supposed to. When you need to borrow money but options are limited, online payday loans can get you the quick help you need. I know because I’ve been there. Let me share my story.

On the road again

We began the journey from our small town of Milner, Colorado, heading west toward the Dinosaur National Monument in Dinosaur, Colo. Our trip started off great. We had all the supplies we needed and enough money for gas. My brother is the biggest dinosaur enthusiast I have ever met, and I teach dinosaur-loving third graders. We stopped only to get gas on the way there to save time for sightseeing, which in hindsight may not have been the best idea.

Don’t get me wrong. We arrived at the monument and loved every bit of it. We saw plenty of fossils and a beautiful park all around. But after it was time to head out, we got about halfway home when my car started to rise in temperature. I pulled over to put some water in the radiator, but about five miles later, a huge burst of steam and water shot out from under the hood of my car. The car chugged to a complete stop; I barely steered it to the side of the road.

Great… now what?

After two hours of sitting in the car with no phone, waiting for somebody in one of the few cars that drove past, the first one to stop — amazingly — was a tow truck driver. He told us he would give us a ride to the nearest gas station to use the ATM to pay him upfront, but that was the only way he was going to tow us and our car home.

I had no money in my account, but my brother realized that I had my laptop. He insisted that I apply for online payday loans from PersonalMoneyStore.com. I could receive the money via direct deposit and withdraw the money with my card at the ATM. I thought that would be a great idea. The tow truck driver said he lived only five minutes from the gas station and would leave us his cell number to call him from the payphone when the transaction went through.

Help in the middle of nowhere

We got a no fax, direct deposit loan in no time at all, and we gave the driver a call. He arrived back at the gas station to get his money and took us back to the car to hook it up and take us home. I now know that even when you are in the middle of nowhere, PersonalMoneyStore.com will provide people with the online payday loans they need.

Apply for Online Payday Loans | Start HERE!

Get cash today

When you need a loan, it’s quick and easy to apply at Personal Money Market.

• Online application is private and secure
• Cash is often available in as little as two hours
• Credit checks are rarely required
• Bad credit and no credit are okay
• Bankruptcy is okay
• Military loans are available
• There’s typically nothing to fax
• You won’t be kept waiting and wondering
• It’s hassle-free!

Pay it back on payday

Most online payday loans are paid back automatically on your next payday. A single-payment loan is an ideal way to get back on track when you know you can get by on your next paycheck after repaying a cash advance. If you need to make smaller payments over a longer period of time, payday installment loans and installment loans for bad credit may be better options. Whichever you choose, when you use an online loan to get extra cash until payday, you know right up front how much you owe and when it will be paid back.

Use your cash advance like a credit card

When you’re short of cash until payday, it makes good sense to get a payday loan rather than rely on credit cards. If you’ve ever used a credit card, you know how easy it is to charge more than you should. It can take months or even years to pay off the balance, and when finances are already tight a long-term monthly obligation is the last thing you need. If you want to make electronic or online purchases, avoid overspending by funding your bank account with a quick loan and then using your debit card.

Find the best payday loans

When you need extra cash until payday, you need it right now. Save valuable time by applying at Personal Money Market where one short application instantly finds the best payday loan for your individual needs.

Need cash until payday? Apply HERE!

How long does it take to get payday loans?

The time it takes to apply for payday loans — whether it is online or over the telephone — is minimal. In just a few minutes, you can apply for the money you need without the hassle! Typically, neither faxing nor a credit check are required, which is advantageous to those of us who don’t have access to that technology or have a lower than desirable credit rating. And honestly, who among us wants any more information on our credit report than what is absolutely necessary? What’s more, the benefit of not typically having to deal with a credit check means one less inquiry made into your credit history, which can translate into a better FICO score.

After approval, what can I expect?

Upon approval for a loan, the method of delivery couldn’t be simpler. Within two hours, you may receive the funds in your bank account via direct deposit! Just think of it — from the comfort of your own home, apply for payday loans in minutes, providing basic personal, employment and banking references.

The approval process is also fast. Who wants to wait when there’s a cash emergency at hand? Delivery of funds via direct deposit continues the speedy process, making it that much easier for you to tackle your financial issues. Finally, the repayment terms of your loan (which typically comes due within about two weeks) are reasonable, clear and easy to follow. What are you waiting for? Apply now!

Apply for payday loans | Start HERE!

Apply in minutes

Getting cash today from an online loan is quick and easy:

• Online application is private and secure
• One short application finds the best payday lender
• You get an instant response; there’s no waiting or wondering
• There’s no faxing or standing in line, either
• Loans of up to $1,500 are available
• Cash is deposited directly to your bank account, often in just a couple of hours
• Credit checks are generally not required
• Bad credit is not a problem

Pay it back quickly

If you know you can get by after deducting a cash advance from your next paycheck, a single-payment payday loan may be all you need to get your finances back on track. One of the best things about getting cash today from an online loan is that you can pay it back quickly. Most online payday loans are repaid in one automatic deduction on your next payday, but if you need more time and would rather make smaller payments, there are also payday installment loans and installment loans for bad credit.

Think about things that really matter

If you get cash today from an online loan, how you spend it is entirely up to you. You can use it for basic things like food and gas or something more extravagant, like that weekend at the lake. (The one you promised them way back last summer. Remember?) However you choose to use it, with a little more cash today you can worry less about money tonight. Instead, you can think about things that really matter, like what to pack for the lake.

Apply for cash today | Start HERE!