WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

About Us:

Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Sunday, October 6, 2013

Cheap Loans - For Borrowers Having Good Repayment Record


New entrants in the UK loan market are presenting stiff competition to the existing players. More competition means several options available before the consumers. The lenders are fully aware that they need to provide efficient financial services to survive the tough competition. As far as the borrowers are concerned, they can expect a lot of good offers from the lenders.

A consumer searching for a loan would always like to have it on the lowest possible rate. However, there are many factors that determine the rate of interest. Your credit file as available with the credit reference agencies provides convincing information to the lenders. They usually have tie-up with these agencies and before sanctioning any loan, they check your credit file.

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Lenders provide cheap loans if you are able to fulfill certain conditions. A good credit rating, sound debt to income ratio, sufficient security, etc., helps in getting low rate loans. Higher credit rating assures a lender about your previous repayment record. It is a good indicator of your future financial conduct as well.

Debt to income ratio reveals your repayment capability and financial soundness. If your monthly income is £5,000 and you pay £500 every month towards repayment of debts, it means that the debt to income ratio is 10 per cent. This is considered to be a healthy sign as far as your repayment capability is concerned. If your debt to income ratio exceeds 40 per cent, it becomes unfavorable for your borrowing prospects and you may not be able to get cheap loans.

If you have a bad credit history, loans are still available to you. The only difference is that lenders will charge more interest from you. All the sub-prime lenders in the UK deal in bad credit personal loans. These loans are very often taken against security like your home. You can apply online to get bad credit personal loans.


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