Payday Loan

How can I get a payday loan?

To receive a payday loan, cash advance you’ll need to complete a new member application with one of our affilites and then request a payday loan. Approval is quick and easy and you’ll receive an approval email notifying you of membership to our payday loan center. After receiving your approval, visit the Members area and request a new payday loan. Upon approval, we’ll electronically deposit the loan amount directly into your account. On your next payday, the loan amount and a small fee will be withdrawn from your account.

What are the requirements for approval?

Requirments are different for each affiliate we represent. Here is an example: Have a current job for at least 4 consecutive months. Take home a minimum of $1000.00 monthly after taxes. Have a valid checking account open for at least 3 months.

What will this cost?

The cost of a Payday loan varies by affilite. However the range is $20.00 – $25.00 per $100.00 borrowed. Please refer to our affiliates APR Disclosure for more information about payday loan fees and payment options.

What if I am late?

If you don’t want an affilite to withdraw the amount due from your account on your next payday, you have the option of extending the payment until your next payday for a small fee.

What happens next?

Choose one of our affilites then press the APPLY NOW button and complete the payday loan application. Please be sure to choose a username and password that you can remember. Once your application is received we will email you an approval, so you may immediately request a payday loan.…

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Spending Wisely on Your Car

You’ve gone to all the trouble to find the best car, the best Cheyenne auto loan, and the best price. However, some drivers become completely irrational about their cars once they own them. They either dote on them obsessively, pouring money into them for every little thing, or they grossly neglect them, which can be just as costly. Here we’ve listed some of the biggest automotive money wasters you’ll want to avoid after you get Wyoming auto loans:

1. Premium gas. Unless your car’s manual indicates that the engine can only have premium gas, you’re wasting your money.

2. Oil changes every 3,000 miles. The gold standard with oil changes is to check your car’s manual to see how often the manufacturer recommends an oil change. You might be surprised that many manufacturers advise changing the oil every 5,000-7,500 miles or even longer in some cases.

mustang3. Shortsighted savings. When your mechanic says your timing belt’s shot, you’re better off replacing it then and there rather than having it break down in the middle of nowhere. The key to getting the most out of Cheyenne auto loans and your car in general is to think long-term savings.

4. Using the dealership for service. Auto shops not affiliated with a dealer will almost always do the same quality of work for a drastically lower price. Call around for quotes to find the best deals.

5. Paying someone else to change your air filter and wiper blades. Get the parts at a discount auto part store and put them on yourself. It shouldn’t take more than five minutes. Keeping your air filter changed according to your manufacturer’s guidelines will help keep your car running smoothly, helping you maximize your investment in Cheyenne auto loans.

6. Buying new tires when you need new shocks. If your tires are wearing out unevenly or in odd patterns, it might mean your shocks need replacing, not your tires.

7. Using the dealership for oil changes. Another big mistake some Wyoming auto loans customers make is frequenting the dealership for oil changes. Oil changes are obscenely overpriced at the dealership, even when they are running so-called “specials.”

8. Purchasing an extended warranty. For the most part, an extended warranty is a scam and a cash cow for car makers. In most cases, the car isn’t worth the price of the warranty.

9. Buying too much insurance. You want to have adequate liability coverage, but there’s no need to have collision and comprehensive on an old clunker that you could afford to replace out of pocket.…

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Financing a Wyoming Vehicle

If you’re thinking about buying a car soon, your decision has come at a good time. Interest rates are more competitive than ever, and online sites like ours make finding the cheapest Wyoming auto loans a snap. In less than ten minutes, you will be able to sign up for free quotes, compare various loans, and select the right lender for you. As an added bonus, you never even have to leave your house to do so. You can handle all of your auto loan shopping needs with one easy-to-use site. Tips for spending money wisely, and not making mistakes, are also provided.

Start the Financing Process Now
You won’t be able to drive off in your dream car unless you have the financing portion of the deal all worked out first. So get started today by signing up with us for free for Wyoming auto loan quotes. We will give you at least four quotes to compare, and you can do so using our side-by-side screen format. Start browsing for the perfect Wyoming car loan for you today.

We have a unique system for providing quotes on Wyoming auto loans. Unlike typical lender sites, we offer our visitors multiple quotes at once, making their shopping faster and more convenient. You’ll see Wyoming car loans from not just one lender, but up to five lenders simultaneously. In addition, our site is also unique in that we do not charge our visitors or attach any obligation to our quotes. You are free to check out our quotes and make whatever decision you please, without having to pay a dime. We are here simply to provide free referrals and helpful information on Wyoming auto financing. Here are a few of the ways our site is superior to those of our competitors:

* No-pressure quotes without any strings attached
* Get affordable quotes from respected, certified banks
* Handle all of your auto financing in one quick stop
* See offers on several Wyoming auto loans at the same time
* Use the option to save your quotes and come back to the site any time

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Payday Lenders

The “payday loan” business has its roots as far back as the turn of the 20th century. Back then, they were called “salary buyers” and they would advance their “customer” the money from their pay check for a fee. The problem was that fee was exorbitant. So if the customer came to them to “sell” their salary of $750, they would give the customer $600 and keep the rest.
In truth, the very term “loan shark” was coined around this practice of stalking desperate people who need money quickly and then taking an unfair cut of their salary for the “fee”. Today they can be found on many of our city streets – stores that advertise that they will cash your payroll check right now. The logical question is: why would someone who needs every dollar they have, use such a service?

Part of it comes from the inability or unwillingness of less well-off or lower income people to use conventional banking services. Instead, these people often live one step beyond “hand to mouth” and they immediately convert their pay to cash so they can use it without the overhead a bank introduces. Why not open banking account like everyone else? The reasons may include:

– A “problem” with the source of funds (i.e. funds derived from an illegal means.
– A desire to stay out of the “mainstream” due to difficulties with the law.
– A deep distrust of financial institutions.
– Some people like to “see their money”. When money goes into a bank, you never see more than a number on a page. However, cashing a paycheck and seeing a large stack of physical bills may give off a feeling of prosperity.
– A dislike of the various fees banks charge.

This last idea is truly incomprehensible because the fees a pay day lender charges to cash a check are far more than anything any bank could legally charge. The best way to avoid pitfalls like pay day lenders and their predatory practices is to focus on education and awareness.

First of all, you should sit down and study what you are paying for those “payday cash services”. If math is not your strong suit, have someone you trust explain to you how much they are charging. When you discover that pay day services are charging at least 20-40% of your pay, you will understand why they are often called loan sharks.

Next, go and talk with someone at your local bank. Banking personnel are usually very friendly and they can set up a bank account for you at a fraction of the price that a payday lender was charging.

As you hopefully begin to save some money, deposit it into the bank and make sure you monitor your balance. Try to save a little more each month to build up a balance. Even five dollars a month is a good start.

Get out of debt. If you have credit cards and are carrying balances, you are likely paying these creditors 20% or more in interest. This is almost as bad as the payday lenders and should be avoided. You need to pay off these credit card balances as soon as possible. The Debt Reduction Group can help you to pay them off at a discount to the balance owing.

Once you are debt free, you can begin building new credit. Start small with one small credit card, store card, or gas card. As you charge on it and pay off the balance each month, your credit will begin to improve.

It may be difficult at first to stop relying on payday lenders. However, the feeling you have when your money is being well managed and the funds you will save, make it worth it.…

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