The Card that Saves You Money

January 6, 2009 · Filed Under Essential Finance Information, Free Loan Advice · Comment 


The READYdebit®
Visa® Prepaid Card
  All the great things you want from a checking account—more than 1 million
ATMs, FREE direct deposit, more than 70,000 cash load locations—but with
none of the expensive overdraft and NSF fees charged by banks
— none, zero, EVER! You owe it to yourself to give the READYdebit Card a try — and start saving today!
 
  • No overdraft, bounced check, or NSF fees
  • No credit or CheckSystemsSM checks
  • Easy web bill-pay service
  • FREE Direct Deposit
 

This card is issued by MetaBank pursuant to a license from Visa U.S.A. Inc.
*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification.



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Payday Loan Tips

January 2, 2009 · Filed Under Free Loan Advice, Loan Tips · Comment 

Follow the tips below for great advice on loans

Hopefully, you have read the article of the home page, if you haven’t, please read it before reading these tips.

1. Ensure is does not become a habit - A typical borrower might get use to payday loans when they are supposed to be his last resource.

2. Automatically withdraw fee - Several payday loan sites are known to just withdraw the renewal fee on the required date via bank transfer. There are also some websites on the Internet that ensure users who borrow, to agree to a contract which ensures they cannot file for bankruptcy or attempt to get action suits against the lender.

3. ARP - Watch out for ARP rising rapidly, pay it off as soon as you receieve your paycheck. Some loans out there have an ARP which can increase from 300% to 600%

4. Ensure your money meets the required amount - If a borrower gets his or her monthly pay check and it does not cover the amount borrowed, the lender will deduct a financial charge for your bank account without your permission.

5. Use all resources - Don’t jump of the first deal you see, before applying for a pay day loan, use search engines and look at at least 10 different websites to view what they have to offer.

6.Payment - When applying for any type of loan, always consider the amount of time it will take to pay the company or organization back. It may be a very low payment per month, but it could take you 20 years or more the pay back!

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Free Loan Advice

December 10, 2008 · Filed Under Free Loan Advice · Comment 

Free information regarding all aspects of loans
What to consider

The first point you should consider when considering applying for a loan is how much you actually need to borrow. Sure, this sounds like an obvious point but, are you really borrowing the right amount. One thing to consider is investment, If you intend to apply for a loan, and make money e.g a mortgage to relevant and sell a house, then you want to pay the loan off as quickly as possible. Personally, I would always go with the most you can afford to pay, as interest rates and hidden charges can appear unexpectedly. Next consider which type loan you would want, personally, I prefer to pay off the interest on a loan, I believe this is an advantage as this is usually lower than typical payments which allows time for you finances to settle.

Most important aspect of loans
One of the most important rules when applying for a loan is keeping up with the payments, as soon as you miss a payment, you will get charged an additional fee, which may result in you not having enough money to pay off next months payment.

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