Avoid the hassle with a quick loan by phone

Applying for a loan by phone can save you time and money. The process is simple, and there are typically no credit checks or faxing of any documents required. Using your smartphone, iPhone or any other wireless device with Internet access, you can complete the online application form in just a few short minutes. The moment you submit your application we’ll go right to work to pair you with the best-matching lender within our network.

Our wide network of online lenders

Personal Money Market’s wide network of lenders is dedicated to helping people like you get the cash they need, no matter what your situation may be. Most of our lenders require no credit check, so even if you have bad, poor or no credit at all, we can help find the best lender that’s right for you. Once approved, your lender can have your funds sent straight to your bank account, available to use in as little as two hours.

Take action and save money, time

The ability to apply for a quick loan by phone comes with many benefits. But the best advantage, by far, is it allows you to save money and valuable time. Everyone knows that financial dilemmas can arise at any time without warning, and taking too long to deal with those small money problems can result in more money loss and time wasted. So, if all you need is just a little help to get by, take action right now and get the help you need the fastest, easiest way possible.

Apply for a loan by phone | Start your online application HERE

We’ll get you a quick loan by phone

You can apply for a loan by phone right here on this website. Scroll down to the short application below and begin filling in the required information. Once you submit the mobile application form, you will know very quickly if you are approved by any of one of our lenders.

How it works

Personal Money Market works with a wide network of some of the most respectable direct payday lenders in the industry. Based on the provided information, we will sort through our broad set of connections and pair you with the lender that fits you best.

There’s no need to drive around town wasting more time and money looking for a lender that’s willing to work with you. That’s precisely what we’re here for — apply right now for a loan by phone and get an answer in no time.

‘How much can I get?’

Applying for these payday loans with instant approval can get you up to $1,500, sometimes in just a couple hours. Once approved, the cash you need will be deposited straight to your bank account, making the entire loan process very short and simple.

‘Are there payment options?’

If you are applying for a loan by phone and need extra time to pay it off, you can request short term installment loans. Unlike typical payday loans, you are not required to repay the entire loan amount on your next payday with these loans. Speak to your loan provider to set up a small payment plan that will work hand-in-hand with your monthly budget.

Apply for a Loan by Phone | Start HERE!

Loan by phone instant approval

Your application for a loan by phone will be quickly sent through Personal Money Market’s large network of some of the most reputable lenders online. You get an answer almost instantly, so there’s no waiting or wondering. Upon approval, money will be deposited straight to your bank account and is usually available to use in as little as two hours.

To get started, scroll down and fill out the short application form located below.

Basic requirements

There are only a few basic requirements for an instant approval on a small loan by phone. The conditions are listed as follows:

1. Must be at least 18-years old to apply
2. Employed for the past three months and still working
3. Have an open and active bank account
4. Provide social security number for identity protection
5. Must be a legal U.S. resident

If you meet all these requirements, you should have little to no problem getting loans with instant approval today.

Get a loan by phone, quickly and easily

The ability to apply for a small loan by phone has many advantages. Small money problems, for instance, can become a huge financial crisis if not promptly dealt with. And when you’re on the go and unexpected financial troubles head your way, they can be very difficult to dodge if you’re left too occupied. A quick loan by phone, however, can help you avoid the hassles and get back on track quickly and easily, anytime and anyplace.

Apply for a loan by phone | Start HERE!

Think twice about credit cards

When you use a credit card to bridge the gap until payday, it’s all too easy to spend more than you should. Anyone who’s ever been surprised by the balance on a credit-card statement knows how long it can take to pay the debt off. A credit card is an expensive way to borrow money, and the longer it takes you to pay it off, the more expensive it becomes.

Online loans are fast and convenient

Next time you need money in a hurry, apply for a quick online cash advance. An online loan offers all the convenience of a credit card without the risk of overspending. Bad credit isn’t an issue and credit checks are rarely required. Up to $1,500 can be deposited directly to your bank account, often in as little as two hours. You can withdraw cash immediately, write checks or make purchases with a debit card.

Add up late fees and related costs

Before you decide to let the bills slide, take a minute to add up all the late fees you’ll incur. Then consider the risk of overdraft fees and other bank charges. While you’re at it, assign a reasonable dollar amount to the grief those unpaid bills will cause you until payday. Add these things up and you’ll see how much it really costs to pay your obligations late.

Online loans are economical

Payday loans are a form of short-term credit, meaning that the debt is paid off very quickly. With a cash advance, you know right up front how much you can spend and how much it will cost. Most cash advances are paid in full on your next payday, getting you out of debt and back on your feet instantly. If you prefer to stretch payments over a longer period, installment payday loans and installment loans for bad credit both allow you to do that.

Start your online loan application HERE!

The SBA offers emergency loans to victims of emergencies and disasters. Image: Flickr/U.S. Geological Survey

In some areas of the country, low interest Small Business Administration loans that have been heavily pushed are not proving to help. This cash advance product has been promised to homeowners and business owners to help rebuild after emergencies. Offered at 4 to 6 percent interest, the SBA offers this supposedly quick loan solution to victims of floods, fires and the Gulf oil spill.

The purpose of SBA loans

In “everyday use,” SBA loans are intended to help small businesses build and develop. The SBA is actually a loan guarantee entity. It does not offer loans online but instead works with banks to provide loans. Disaster loans, also administered through the SBA, are given to both individuals and businesses who have been affected by disasters. Like all loans, SBA loans consider the credit of borrowers and their ability to repay. Unlike other loans, SBA loans are intended only for individuals who “are having difficulty accessing other credit.”

Denial rates for emergency loans

SBA emergency loans are often initiated or offered very soon after an emergency hits. In Massachusetts, for example, the SBA has announced that loans of up to $200,000 are available to homeowners to rebuild after floods. Businesses will be able to take out loans of up to $2 million, with interest rates as low as 2.75 percent. However, in Louisiana as many as 70 percent of SBA loan applications are being denied until BP pays out damage payments. In Tennessee, about 66 percent of flood emergency loans are being denied.

Appealing loan denial decisions

The incredibly high rate of denials for emergency victims who need a loan is causing a lot of frustration among disaster victims. SBA loan programs are intended to help, but they cannot help if most people cannot access the credit. The SBA does have an appeal process that allows applicants to provide new information, show proof of altered circumstances or correct information in the original applications. In the end, though, these loans usually end up going to individuals who show proof they can repay them — and that can be very tough to show after a disaster and in the tough economy.

Sources

The Tennessean
Boston.com

Lessons that help teach responsible borrowing or responsible lending should start at a young age. (Photo: ThinkStock)

Despite large problems like a state budget that remains in shambles due to rampant government spending, California legislators are reportedly hard at work to come up what they consider to be a responsible lending approach to payday lending. Unfortunately, they abandon the concept of a self-regulating free market economy by mistaking shackling payday lenders with being responsible. The more legislators squeeze the system in which payday advances are distributed, the more difficult it becomes for quick loan outlets to turn any sort of profit, argues the responsible lending outlet Pay1Day in a recent press release.

Responsible lending means exercising informed choice

A balanced view of America’s free market economy suggests that hyperactivity to ban payday advances does not constitute a move toward responsible lending. The reality is that the facility and expense of such quick loans from payday lenders are much more relative. The recessionary economy and its resulting credit crunch have limited the options for many consumers who need short term credit. Unemployment and underemployment don’t make this crucible any easier to bear. Bills still must be paid; life’s emergencies continue. Legislators who live comfortably on their legislator salaries have proved themselves largely unable to walk in the shoes of their financially modest constituents and understand the need for payday advances. Hence, they don’t see the ill in removing such choices from the short term credit market with overzealous regulation.

Weighing expenses vs. consequences

Pay1Day points out that the bulk of quick loan customers use the product not for impulse purchases, but to help them avoid less desirable financial alternatives. More expensive avenues such as checking overdraft, utility shut off or mortgage default can be avoided if consumers have the option to pursue other forms of short term lending that are available even when credit scores are low. While it is true that the APR on a payday loan can be expensive in a relative sense if other types of bank loans are available, credit-constrained consumers generally don’t qualify for small scale bank loans at ultra-low interest rates.

Where do the charges for payday advances come from?

Contrary to the belief of groups like the Center for Responsible Lending, payday lenders do not charge rates in the neighborhood of 391 percent APR (for a standard two-week loan) simply because they can. Taxes and other legislation create operating expenses that lenders must recoup in order to function. If legislators squeeze harder, most lenders will close their doors and jobs will be lost by the thousands. Consumers who need access to short term credit are hurt in the process.

Thus, Pay1Day suggests that California and other states can maintain price-regulating competition in the market and inform consumers about their lending choices through educational programs. Educated consumers should be allowed to make their own choices. A nanny state that spoon feeds is less than desirable. A government that places heavy restrictions without any real efforts at education is far from a responsible government.

Sources:

PR Newswire

Benzinga

America’s real OK Corral for responsible lending – the mortgage crisis:

There are a wide variety of reasons why you might need a quick personal loan – everything from paying an unexpected repair bill to a quick booster shot before your payroll kicks in. No matter what the reason, it is possible to get a payroll loan quickly and easily.

How do payroll loans work?

Payroll loans are loans intended for a short-term financial boost. The loan company advances you a small amount of money that you pay back on your next payday. This way you get the help you need, and get it quickly.

How do I apply for a payroll loan?

Applying for a payroll loan is simple – the online application takes only a few minutes. The application uses secure 128-bit encryption to protect your personal information. By providing your next payroll date and bank account information, you will be able to set up a loan that works with your schedule and is deposited directly into your bank account. Often, you won’t even need to fax paperwork back and forth.

Will my bad credit matter?

When your credit is not perfect, it can sometimes feel impossible to get a loan. However, you can still apply for a payroll loan and have a good chance of getting approved. Your credit score is in part based on how often you pay your bills on time, so getting a payroll loan could even help your credit score in the end. If you have bad credit, no credit or are a military member, you can still get a payroll loan.

When you are in need of a quick personal loan, it is important to examine your options. Payroll loans work great for a short-term financial boost. They are easy to apply for and it often does not matter if you have bad credit. No matter what your situation, it is possible to get cash quickly.

Start your quick Personal Loan application HERE!

Need money in a Hurry?

Photo from Picasa

Anyone in need of cash in a pinch should consider the option of taking out a pay day loan. If you have never heard of pay day loans before or only have a vague understanding of what they are then you will probably want to investigate the details to decide if they are right for you. There are offline sources for pay day loans, but by far the easiest and quickest way to get one is from a reputable online source. There is no driving to the outlet and waiting in line involved. You just go to your computer and apply online. It is secure, speedy and aggravation-free.

Know the requirements

There are a few requirements in the U.S. to apply for this type of loan, though they are far less than will be required for most other kinds of loans. Firstly, you need to be employed, as implied by the name. You need to have a savings or checking account. You must also be at least 18 years of age and be a U.S. citizen. If you meet these criteria you should be clear to apply for a pay day loan.

How to Apply

Once it has been established that you meet the basic criteria you can go ahead and fill out the application. Your banking information will be among the items needed for the process, so ensure that you are applying on a trusted site with the security lock symbol in the bottom right of the page. Lending websites tend to have quite high online security set in place, as they are dealing with personal information. On the application you will need to include such items as employment information, bank account number, your contact information (possibly one or two references on some sites).

What will be Checked?

Not all, but some lenders may take a brief look at your credit history. They will likely be most concerned with whether or not your bank account is in good standing and your employment information checks out. The lender is basically just trying to determine whether or not you be able to pay the loan back.

The Advantages

Probably the greatest advantage of a pay day loan is that the money is available to you very quickly. With an online loan the process is accelerated further because you do not have to go anywhere to apply and there is no waiting to fill out the application. The other big advantage to these loans is that they are relatively easy to get and when you need cash right away it is nice to know that there is somewhere to turn. Be aware that these kinds of loans do have a fairly high interest rate, so you will want to pick and choose the best times to apply for them. Websites who do financial transactions other than pay day loans tend to have better rates than those who do pay day loans exclusively.

Quick Turnaround for Your Important Situation

In a situation where you need a pay day loan you probably need money quickly. It is comforting to know that you can get the cash you require within a couple of hours.

Apply Here for a Pay Day Loan!

Nest eggs are hard to come by when you live on chicken feed

The rent is due

Your landlord doesn’t care why you’re down and out. He makes a bundle, but he won’t pay a penny for your thoughts. In his eyes you’re a deadbeat and he wants cold hard cash. You live from hand to mouth and every month you pay an arm and a leg to help your landlord make money hand over fist. You pay through the nose for the leaking roof over your head while your landlord lives high on the hog.

The golden rule doesn’t seem to apply when it’s time to pony up. Your landlord was born with a silver spoon in his mouth, and you can bet your bottom dollar he won’t wait until payday.  You’re going to have to pay on the nail.

When you’re caught short, cut your losses with a quick payday loan. Dollars for doughnuts, you can make ends meet with an online cash advance so long as paying it back on payday won’t leave you strapped for cash again.

The weekend is coming

You’re hard up and payday is still a week away. You’re not a cheapskate, but you don’t ride the gravy train, either. Although you have generous friends who somehow manage to stay in the black, it’s humiliating when they always have to pick up the tab. You live on a shoestring, but you don’t like someone else footing the bill all the time.

For my money, a quick cash loan is the way to go if you can pay it back on payday and still have a little money to burn. Your friends may have hearts of gold, but when it comes to having fun, it sure feels good to pay your share out of your own pocket.

It’s on sale now

You aren't made of money, but that new tent is sound as a pound

At $189, that new two-person tent with mesh vents and detachable rain-cover seemed like highway robbery. But at the end-of-summer sale, it’s looking cheap at half the price. You’ve been pinching pennies all summer for a weekend camp-out at the lake, but payday is two weeks away and the sale ends tomorrow. They’re selling your tent for a song and you’re counting down until payday.

If you don’t come up with some extra cash right away, you’re going to be a day late and a dollar short. If you can pay the piper on payday and still cover all your expenses without having to borrow again, it may make good sense to get a personal loan now. A quick loan won’t cost the earth, and you’ll feel like a million bucks, camped by the lake in that luxurious tent, safe from the bugs and rain.

It’s going to bounce

You don’t have two pennies to rub together, and your math skills are in the hole, too. You just found a mistake in your check book and you’ve overdrawn your account. It wasn’t intentional, but the bank won’t let you put in your two cents: You’re going to get hit with some hefty overdraft fees if you don’t come up with some fast cash.

It sure would be nice to be loaded and to be able to solve advanced math problems at the drop of a dime, too.  But you’re not.  You’re going to take a beating and your bank is going to make a killing if you don’t do something quickly. All that glitters is not gold, but in a situation like this, an online cash advance is pay dirt worth every red cent.