watechcenter.org

Application Form | Payday loans online | watechcenter.org

how it works

Watechcenter.org does not act as a lending institution and is not directly involved in short-term decision making. We only offer loan matching services where we link consumers with independent lenders in our network.

The process is convenient and fast, and the first step you need to take is to sign up from an internet-enabled computer or mobile device. If you get linked with a lender, that lender will contact you with their offer as well as the terms and conditions attached to the loan offer. If you are okay with the offer (and you are free to turn it down), you could have access to the funds within 24 hours.

Typically, there are minimum requirements that must be fulfilled, but individual lenders may have additional sets of requirements. Some of the typical minimum requirements include:

  • Must be at least 18 years of age
  • Be a citizen of the U.S.
  • Active bank account capable of receiving direct deposit
  • Minimum stable income of at least $1,000
  • Must not be a serving member of the Navy, Coast Guard, Army or Air Force (or be depending on a member of any of the armed forces), actively serving under a call that lasts for more than 30 days.
  • Please refer to our FAQ's to learn more.
  • FAQ

    Payday loan, what is it?

  • A payday loan a small (mostly less than $1000), cash advance that requires no collateral. It's usually on a short-term basis and issued with a consideration of your future income, such as your salary or any other stable income you may have. The loan term is usually not more than 30 days.
  • Payday loans are used to settle emergencies. If you are relying on this type of loans to pay bills, you should seek some financial help or counseling. You should find agencies that help people deal with excessive debt.
  • Payday loans should be used in a responsible way.
  • What is an installment loan?

    This refers to a small, short-term, cash advance which is usually less than $5,000, it does not require any collateral and is issued with a consideration of your future income such as your salary or any other stable income you may have. Repayment usually follows a scheduled pattern. This type of loans should be used responsibly.

    What is a personal loan?

    This is a loan that does not require any collateral and can be as much as $35,000. It's issued like a line of credit. Also, it is issued with a consideration of your future income, such as your salary or any other stable income you may have. Typically, the loan term tends to exceed that of payday or installment loans. You can use the loans for debt consolidation. Use personal loans responsibly.

    How does Watechcenter.org work?

    Watechcenter.org does not make credit decisions and is not a lender. Watechcenter.org offers loan matching services. We link consumers who need loans with participating, third-party lenders in our network who may offer a loan.

    It all starts by completing a simple form. We then share your details with participating lenders who may prepare a loan offer for you. You are not under any obligation to accept any offer, but the lender will guide you if you accept their loan offer. Every third party lender may have different conditions; so, make sure you review them before you accept an offer. Look out for information such as the renewal terms, fees, APR, as well as consequences of non-payment.

    For questions about your loan, please ask your lender.

    Does Watechcenter.org charge any fees to link loan seekers with third-party lenders?

  • As a customer, it's free to sign up with Watechcenter.org. We receive some payments from third-party lenders when we refer customers to them.
  • Each lender is expected to have their charges. These terms and fees are set by the lender, not Watechcenter.org.
  • You will have a chance to review these charges and terms when you get a loan offer. You have the option of whether to accept or not to accept them. You accept the loan offer the moment sign the offer electronically and return it to the lender.
  • Review all the conditions and terms of the loan.
  • Is there a limit to what I can borrow?

    For payday loans, the range is from $100 - $1,000. Installment loans: $100 - $5,000, and it is $500 - $35,000 for personal loans. You will request a loan, and you may receive an offer that equals your request. There may be variations in offers due to individual lenders, income, employment, etc.

    If I get approved by a lender, when can I get the money?

    The money could be transferred to your account in 24 hours. This will also vary from lender to lender. For questions on this, get in touch with your lender.

    Are there any minimum requirements for loan application?

    Lenders will present their requirements, but here are the main requirements across the board:

  • Be a citizen of the U.S.
  • Not less than 18 years of age
  • Have a bank account capable of receiving direct deposit
  • Have a minimum monthly income that is not less than $1,000
  • Decent credit rating (only applicable to personal loans)
  • What information does Watechcenter.org need from me?

    You have to release some details such as your employment, bank account, and other personal data. Some of this information includes your name, driver's license number, social security number, telephone number, the source of income, place of employment, etc.

    Independent lenders may check your credit score and history, or look to verify your details by using other methods.

    Is my information safe?

    Watechcenter.org adopts a range of measures to ensure that your information is safe. Every sensitive data that is exchanged between Watechcenter.org and your browser or applications is encrypted using 128 bit SSL technology. Your use of any of our services is up to you and guided by our Privacy Policy and Terms.

    What is the duration of a loan a transaction?

    As a registered member of Watechcenter.org, you get an offer in as little as 24 hours after becoming a member. This could be affected by a range of factors, such as the time of application, your financial institutions, etc

    When must I complete my loan repayment?

    Watechcenter.org isn't a lender. Every third party lender has their policies regarding repayment and other things. You need to get in touch with your lender or refer to the loan agreement for detailed information on repayment.

    Will third-party lenders conduct a credit check, and are there any implications?

    Most lenders will do that. They may also check the details you have submitted and compare it with national database records. Lenders also reserve the rights to verify your banking information, social security number, and any other information they have.

    It's advisable that you only make one loan application at a time because repeated inquiries to the three main credit bureaus (Transunion, Experian, and Equifax) may lead to a reduced credit rating.

    Will my loan be subject to automatic renewal?

    Well, it depends on the lender and your state of residence. Lenders will have different policies about renewal, while states have laws guiding payday loans automatic renewal. Make sure you confirm with your lender if your loan will be automatically renewed or if they will require your permission first.

    Loan renewal is likely to attract extra charges and interest. Ensure that you are conversant with these charges before you commit to any loan renewal.

    Are there implications for non-payment and late payments?

    It depends on the lender, so be sure to ask your lender before you accept an offer. Lots of consumers have landed in hot water for being ignorant of the consequences of late or non-payments. Make sure you know these details.

    Is there a guarantee of loan approval?

    We do not guarantee that any of our partners will approve your application.

    What happens if I fail to meet up with my loan repayment term?

    The following typical consequences may apply for non-repayment:

  • Payment of late charges
  • Your account is transferred to a collection agency
  • Your account could be reported to a consumer credit agency, which may result in the lowering of your credit rating
  • You are sent a renewal offer, which means you will incur extra interest and charges.
  • Watechcenter.org isn't a lender. You need to contact your lender to know the implications of non-payment
  • Privacy Policy

    This written document covers Watechcenter.org, as well as any of its websites. The aim of this privacy policy is to intimate you with our policy that guides how information which you may submit to this site or its associate websites is collected, used and disclosed. Please make sure you go through this privacy policy thoroughly before you decide to submit your information.

    Anyone below the age of eighteen (18 years) or anyone who does not live in United States is not expected to use this website. Your access to this website via any device implies that you are strictly bounded by this Privacy Policy. If you are not okay with the details of this policy, please refrain from the use of this website.

    This Privacy Policy is subject to modification at any point. If we modify any part of this policy, those modifications will be posted on our website. We advise that you review the details of this Privacy Policy from time to time so to be conversant with how we use the information submitted to us.

    Collection of Information

    Our website is primarily designed to help you find a loan from any of the participating lenders in our network.

    Personal Information

    When you contact us or sign up with us to help you find a loan, the information you submit to us is collected. Some of the information we collect may include, for instance, zip code, bank account information, employment information, driver’s license number and state of issuance, name, address (Home or mailing), telephone number, social security number, and date of birth.

    Non-Personal Information

    We may collect some non-personal information on your visit to the website, including your IP address, the domain name from which the website is accessed, the exact pages you visited while on our website, operating system, and your browser type. Also, our system may gather information about browsing behavior, for instance, the date and time of your visit, how long you spent on the website, the number of returning visits, the specific pages you visited, and so on. Also, we may use non-personal information for statistical research, analysis, etc.

    Similar to what is obtained in other commercial websites, we use “cookie” technology to understand how visitors use our website. A cookie refers to a small text file that is left on your computer and allows us to recognize your device each time you visit. Cookies may help us to: (1) improve your website usage; (2) improve on our services; (3) manage the website; (4) monitor the use of our site. Depending on your preference, you have the option to personally delete all cookies from your computer by using the help section of your browser or configure your computer to reject cookies. However, if you choose the option of rejecting cookies, you may not be able to access some pages or features of our website properly.

    Also, we may adopt the use of web beacons on our website. Web beacons refer to small graphic files which can be used to gather information about your visit, such as the exact features you used or the pages you viewed, as well as whether you take action on any of our advertisements or emails. In addition, we may gather information regarding the URL from which you visit our website. Using web beacons, we can monitor the behavior of our website visitors, effectiveness of our advertisements and the website. We may partner with third party services that track this information for us.

    We may choose to merge all the non-personal information we gather, such via web beacons and cookies, any other information we have about you.

    Use of Information

    The information we collect from you may be used for any of the following purposes: (1) to connect you with a participating lender; (2) to address your inquiries; (3) to analyze the usage of our website; (4) to manage problems with our services, business and website; (5) to protect our website’s integrity and security; (6) to study whether the site complies with relevant laws; (7) to ensure the enforcement of our agreement with you; (8) to redistribute your information to other services, with your permission and without violating any applicable laws; (9) to keep you informed with our promotional offers, updates, and offers from lenders.

    If you would rather choose to not receive any messages from us regarding any promotions, you are free to opt-out by following the instructions in the emails we send you.

    Disclosure of Information

    Your information may be disclosed thus: (1) by sharing your contact details with participating lenders who may make you a loan offer; (2) our partners for the purpose of helping us with technical support; (3) with consumer reporting and related bodies; (4) as necessary if we’re convinced that the Terms of Use of the website or any third party has been violated; (5) in response to legal process (such as a court order, subpoena or search warrant) and provide law enforcement with information regarding public safety and within the confines of the law; (6) we may transfer your information if our website or company ever gets acquired.

    Watechcenter.org Privacy Policy

  • This written document covers Watechcenter.org, as well as any of its websites. This privacy policy aims to intimate you with our policy that guides how information which you may submit to this site or its associate websites is collected, used and disclosed. Please make sure you go through this privacy policy thoroughly before you decide to submit your information.
  • Anyone below the age of eighteen (18 years) or anyone who does not live in the United States is not expected to use this website. Your access to this website via any device implies that you are strictly bounded by this Privacy Policy. If you are not okay with the details of this policy, please refrain from the use of this website.
  • This Privacy Policy is subject to modification at any point. If we modify any part of this policy, those modifications will be posted on our website. We advise that you review the details of this Privacy Policy from time to time so to be conversant with how we use the information submitted to us.
  • Collection of Information

    Our website is primarily designed to help you find a loan from any of the participating lenders in our network.

    Personal Information

    When you contact us or sign up with us to help you find a loan, the information you submit to us is collected. Some of the information we collect may include, for instance, zip code, bank account information, employment information, driver's license number and state of issuance, name, address (Home or mailing), telephone number, social security number, and date of birth.

    Non-Personal Information

  • We may collect some non-personal information on your visit to the website, including your IP address, the domain name from which the website is accessed, the exact pages you visited while on our website, operating system, and your browser type. Also, our system may gather information about browsing behavior, for instance, the date and time of your visit, how long you spent on the website, the number of returning visits, the specific pages you visited, and so on. Also, we may use non-personal information for statistical research, analysis, etc.
  • Similar to what is obtained in other commercial websites, we use "cookie" technology to understand how visitors use our website. A cookie refers to a small text file that is left on your computer and allows us to recognize your device each time you visit. Cookies may help us to: (1) improve your website usage; (2) improve on our services; (3) manage the website; (4) monitor the use of our site. Depending on your preference, you have the option to personally delete all cookies from your computer by using the help section of your browser or configure your computer to reject cookies. However, if you choose the option of rejecting cookies, you may not be able to access some pages or features of our website properly.
  • Also, we may adopt the use of web beacons on our website. Web beacons refer to small graphic files which can be used to gather information about your visits, such as the exact features you used or the pages you viewed, as well as whether you take action on any of our advertisements or emails. Besides, we may gather information regarding the URL from which you visit our website. Using web beacons, we can monitor the behavior of our website visitors, the effectiveness of our advertisements and the website. We may partner with third-party services that track this information for us.
  • We may choose to merge all the non-personal information we gather, such via web beacons and cookies, any other information we have about you.
  • Use of Information

    The information we collect from you may be used for any of the following purposes: (1) to connect you with a participating lender; (2) to address your inquiries; (3) to analyze the usage of our website; (4) to manage problems with our services, business and website; (5) to protect our website's integrity and security; (6) to study whether the site complies with relevant laws; (7) to ensure the enforcement of our agreement with you; (8) to redistribute your information to other services, with your permission and without violating any applicable laws; (9) to keep you informed with our promotional offers, updates, and offers from lenders. If you would rather choose to not receive any messages from us regarding any promotions, you are free to opt-out by following the instructions in the emails we send you.

    Disclosure of Information

    Your information may be disclosed thus: (1) by sharing your contact details with participating lenders who may make you a loan offer; (2) our partners for the purpose of helping us with technical support; (3) with consumer reporting and related bodies; (4) as necessary if we're convinced that the Terms of Use of the website or any third party has been violated; (5) in response to legal process (such as a court order, subpoena or search warrant) and provide law enforcement with information regarding public safety and within the confines of the law; (6) we may transfer your information if our website or company ever gets acquired.

    Credit Implications of Providing Your Personal Information

    Some of your information, such as your driver's license number, social security number, and social security number may be verified extensively by our participating lenders to see if they match the information stored in national databases and to be sure of your creditworthiness. Please be informed that multiple inquiries on the three major national databases (Experian, Experian, and Transunion) may lead to a reduced credit score. Submitting your information gives lenders the power to check your information and credit as stipulated in their policies and terms.

    Security

    We adopt adequate measures to ensure that we prevent the misuse, loss, unauthorized access or alteration of your information in any way. While we strive to secure all information, we cannot completely guarantee the safety of any personal information we receive from you.

    Interest-Based Advertising

    We may work with third party advertising providers who serve ads for us and other websites with which we have no affiliation. Some of the ads may be personalized, that is, based on the information that our partner have about you. Our ad partners also make use of cookies to personalize advertisements which you may see on other websites.

    Because, at the moment, there is no industry-standard Do-Not-Track protocol in place, your browsing experience will not be changed based on any "Do Not Track" signals that you may select or that certain browsers may send.

    However, to learn about different forms of advertising and how to opt-out you can visit http://www.aboutads.info and www.cookiecentral.com. Be informed that opting out will not prevent the ads from appearing in your apps or browser. You may begin to see ads that are not relevant to your interests. Also, you may be required to set your opt-out choice again if you clear cookies or use a different browser. As we have different types of browsers, please refer to your browser's help section for steps on how to clear cookies, and check their security and privacy settings too.

    Children

    The website is not intended to serve, nor do we intentionally ask children who are less than thirteen years of age to submit any personal information.

    Third Party Websites

    You may come across links on the website that redirect to third-party lenders, and their privacy policies may be different from ours. Also, third-party vendors may display ads for this site or partner sites. We are not affiliated with these sites and do not endorse their products or services. We advise that you go through the privacy policies of any third party website before giving them your personal information. If you need to ask questions about the policies of any of those websites, please contact them directly.

    Third Party Analytics

    This website makes use of your information, which includes your interest, gender, and age, to understand how our customers behave on the site. Third-party vendors (like Google) may serve you advertisements based on your past visits and behavior on the site as captured by cookies. To opt out of being served ads by third-party advertisers, you may have to change your Google ads preferences and settings at http://www.google.com/ads/preferences. To know more about the privacy policies of Google visit http://www.google.com/privacypolicy.html.

    Your California Privacy Rights

    California residents, under California's "Shine the Light" law, who submit personal information to the website, are free to request some information on how we transfer information to third parties. If you want to make such request, get in touch via our helpline at (888) 775-0859 (FREE), email us at info@lendyou.com, or regular mail: 1125 E. Broadway #545, Glendale, California 91205.

    Contact Us

    If we need to get in touch with you regarding any development involving your information, we may contact you by phone, email or mail. If you want to make inquiries about this Privacy Policy, you are free to call (888) 775-0859 (FREE).

    Material disclosure

    APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from 200% and 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

    Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $5,000. Not all lenders can provide up to $5,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

    Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to utilize this website or service. The states serviced by this website may change from time to time, without notice.

    Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

    Terms of Service and Use Agreement

    READ THIS TERMS OF SERVICE AND USE AGREEMENT BEFORE ACCESSING http://www.watechcenter.org/paydayloans/

    Welcome to http://www.watechcenter.org/paydayloans/ (referred to as “http://www.watechcenter.org/paydayloans/”, “Web site”, “site”, “we”, “us”, or “our”). Access to and use of this site is provided subject to the following terms and conditions:

    PLEASE READ THIS TERMS OF SERVICE AND USE AGREEMENT (“AGREEMENT”) CAREFULLY. YOUR USE OF THIS SITE, THE PRODUCTS AND SERVICES PROVIDED THROUGH OR IN CONNECTION WITH http://www.watechcenter.org/paydayloans/ CONSTITUTES ACCEPTANCE OF THIS AGREEMENT.

    BY ACCESSING OR USING ANY PART OF THE WEB SITE OR ITS PRODUCTS AND SERVICES (COLLECTIVELY, “SERVICES” OR “SERVICE”), YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THE ALL OF TERMS AND CONDITIONS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY CEASE ALL USAGE OF THIS WEB SITE OR THESE PRODUCTS AND SERVICES.

    We reserve the right, at any time, to modify, alter, or update the terms and conditions of this Agreement without prior notice. Modifications shall become effective immediately upon being posted at on this site. Your continued use of the Service after amendments are posted constitutes an acknowledgement and acceptance of the Agreement and its modifications. Except as provided in this paragraph, this Agreement may not be amended.

  • 1. NATURE OF SITE; CONSENT TO BE CONTACTED. http://www.watechcenter.org/paydayloans/ and its affiliates, business partners, and/or licensors provide a service that allows you to input your information once and receive quotes or calls from one or more people/organizations. You understand and agree that if you request a product or service, such as a loan, or any other service relating to finance offered through the Service, http://www.watechcenter.org/paydayloans/ will share your information with certain business partners and/or unrelated third-party companies to process and fulfill your request. You further agree that by submitting information to http://www.watechcenter.org/paydayloans/, you consent to allow business partners and third-party companies to contact you by telephone, email or mail, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, the internal Do Not Call List of a company, or any other Do Not Call List. You understand that http://www.watechcenter.org/paydayloans/ business partners and unrelated third-party companies may maintain the information you submitted to http://www.watechcenter.org/paydayloans/ whether you elect to use their services or not. In the event you no longer want to receive communications from such a company, you agree to notify them directly.
  • 2. IMPORTANT INFORMATION. http://www.watechcenter.org/paydayloans/ does not provide any type of loan, financing, credit card services, or financial services or advice. http://www.watechcenter.org/paydayloans/, and its affiliates, business partners, and/or licensors help you locate unrelated third-party financial companies and service providers. http://www.watechcenter.org/paydayloans/ makes no representations or warranties concerning the qualifications or performance of these third-party companies. The information and locator services provided by http://www.watechcenter.org/paydayloans/ may not be suitable for your needs. Each service provider has its own eligibility requirements, terms and conditions, and fees for their services. Not all services are provided in all states.
  • 3. USER OBLIGATIONS. By installing, accessing, and using this Web site, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Web site, including, without limitation, when you use Services provided. If you provide any false, inaccurate, untrue, or incomplete information, http://www.watechcenter.org/paydayloans/ reserves the right to terminate your access and use of this Web site. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Web site and agree not to interfere with the use and enjoyment of this Web site by other users and http://www.watechcenter.org/paydayloans/’s operation or management of this Web site. Moreover, you agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of http://www.watechcenter.org/paydayloans/, when using this Web site.
  • 4. DISCLAIMER REGARDING ACCURACY OF THIRD-PARTY INFORMATION. http://www.watechcenter.org/paydayloans/ makes no warranties or representations whatsoever with regard to any product or service provided or offered by any third-party company, and you acknowledge that any reliance on representations and warranties provided by any third-party company shall be at your own risk.
  • 5. PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS. All programs, software, products, information, documentation, and information contained on or available through the Web site, unless otherwise indicated, are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, http://www.watechcenter.org/paydayloans/ does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, unauthorized use of this Web site may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. This Web site is Copyright © 2014 Zero Parallel LLC and/or its licensors. All rights reserved. http://www.watechcenter.org/paydayloans/ also owns a copyright in the contents of the Web site as collective work and/or compilation and in the selection, coordination, arrangement, and enhancement of the content of this Web site. Any software and other downloadable or printable programs, information, video or materials available through this Web site and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by http://www.watechcenter.org/paydayloans/. This Web site is provided by Zero Parallel LLC. This Agreement provides you, a User, with a personal, revocable, limited, non-exclusive, nontransferable license to use this Web site conditioned on your continued compliance with the terms and conditions of this Agreement. You may print and download materials and information from this Web site solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. This Agreement is a license and not an assignment or sale. Any rights granted hereby are licensed and not sold or otherwise transferred to you. You expressly acknowledge and agree that http://www.watechcenter.org/paydayloans/ transfers no ownership or intellectual property interest in and to the Web site to you or anyone else. Notwithstanding the foregoing, you may not modify, alter, translate, decompile, create derivative work(s), copy, distribute, disassemble, broadcast, transmit, reproduce, publish, remove or alter any proprietary notices or labels, license, transfer, sell, mirror, frame, exploit, rent, lease, grant a security interest in, transfer any right(s) in, or otherwise use in any manner not expressly permitted herein the Web site. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, OR MATERIALS PROVIDED BY http://www.watechcenter.org/paydayloans/ TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED.
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  • Bad credit payday loans guaranteed approval? Myth or Reality ?

    Before you apply for a payday loan, it's important for you to be cognizant of your rights as well as responsibilities. Also, don't forget your agreement with the lender. Ensure that you only deal with lenders with a solid track record. It's important for you to understand that there are no instant approval loans because no lender can guarantee you approval.

    What are payday loans?

    Payday loans, also known as fast cash advance loans, are not long-term loans and shouldn't be treated as such. You should understand that there is a great difference between the interests on payday loans and long-term loans. It is even advisable to avoid extending the term of a payday loan because you can get overwhelmed financially.

    Before applying for a payday loan, you need to be aware of your state's laws. In some states, there's a limit on the maximum amount you can borrow ($1,000 being the most common). They also put a limit on the charges and interest rates too. Some states allow you to access only $500.

    Not for the regular usage!

    You need to understand that taking payday loans frequently could hurt your finances, due to higher interest rates and charges that are higher than what banks charge.

    Bad credit is not a barrier!

    If your credit rating is bad due to past financial difficulties, or if your current financial situation is bad, you can still access payday loans. You only need to do a little research on your part before applying.

    Unexpected expenses usually come up when you least expect, especially when you are between paychecks. Being able to access payday loans with a few click of the mouse can prove to be a real lifesaver. Everything happens online, and a lender can transfer funds t your bank account in a matter of hours. You only need to submit some basic information, such as proof of income, personal identification number, and social security number, to be eligible for a loan.

    Quick payday loans bad credit – up to $1000 in seconds!

    A quick payday loan refers to a small cash advance that is given to an applicant and has to be paid back when the applicant receives is his next paycheck. This is just the simplest way to describe it; there may be variations in the details depending on the lender. You will find lots of lenders giving these types of bad credit loans. However, before choosing any lender, you should do your due diligence, comparing several offers.

    Quick, Easy, Secure!

    Quick payday loans are processed quickly and are not based on your credit rating. This implies that lenders do not focus on your credit score before considering your application. It's not even part of the things they check when reviewing a loan application. All that matters to them is whether the applicant has a consistent source of income and if it will be enough to cover the loan amount plus interest. Usually, payday loans are not more than $1,000 and are to be repaid when you get your next paycheck, so it isn't as risky as conventional loans.

    Sudden financial difficulties

    Lots of people are struggling financially because of today's unfavorable economic situation. Lots of hard-working men and women are being laid off. Many people are going through the stress of thinking of how their bills will be paid if the unexpected happens. Even those who have a job still have financial struggles at times. When people don't have enough money, they bring down their cost considerably or, as a last resort, borrow some cash. However, the unfriendly economic situation means that many people have a bad credit score. This is the reason the popularity of payday loans has increased over the years.

    1 Hour payday loans – Quick approval and deposit, even with bad credit!

    1 Hour payday loans simply refer to short-term loans that can be used to settle any unexpected expenses without much hassle. The loan is to be repaid from your next paycheck and is usually help over two weeks. That's the reason you should never use it to offset outstanding debts, but rather for emergencies, such as an impromptu trip or accident.

    5 main benefits of payday loans in a difficult financial situation

    When it comes to for sourcing for emergency cash, payday loan offers one of the best solutions. With the loan, one can settle unexpected expenses while awaiting your paycheck. You repay a payday loan using your next salary or income. Here are some of the 5 major benefits of payday loans over other credit types:

    1. Speed

    Most payday loan applications get quick approval by lenders as long as you provide all necessary information. In most cases, you only have to complete a simple form. Before a lender can transfer funds into your bank account, you may have to wait a few hours. Some lenders send funds to your account in an hour. Competition is fierce, so, lenders try to be as quick as possible.

    Conventional credit cards and loans may take several weeks to be processed, which is so helpful in emergency situations. There is also no guarantee that your application will be approved. However, for payday loan applications, you will receive a confirmation message regardless of whether you are approved or not. And if your application is not approved, you can quickly look elsewhere for help.

    2. Convenience

    When applying for a payday loan, all the process is done online. There is no need to schedule an interview with a loan officer. All you need is an internet enabled computer. Traditional loans will require that you meet your loan officer several times. Unlike credit card loans, you get payday loans in cash. You can only use credit cards to purchase goods and services.

    The cash from a payday loan gives you lots of flexibility, such as car repair or settling your electricity bill. There are limits to what you can do with traditional loans. For example, you can only buy a car with a car loan and home mortgage can only be used to buy property. Lenders only want to see a proof of your address, and the appropriate documentation can be faxed to them in no time.

    3. Few Requirements

    Another benefit of a payday loan is that there are no tough requirements to be met. You only need to have a source of regular income. When you have a regular source of income, most lenders will be willing to consider your application. Also, you don't need any collateral to access payday loans. All that the lender needs as proof that you will repay the loan is your stable income. Also, you must have an active checking account, and you must be living in the United States permanently.

    You also need to be above the age of 18 years. You probably already fulfill these criteria if you have a stable source of income. If you have a poor credit rating, it's impossible to secure a traditional loan. But you can qualify for a payday loan even with a poor credit score. All lenders want to see is proof that, based on your current financial situation, you can repay the loan. Financial difficulties of the past are never a barrier to accessing and benefitting from payday loans.

    4. It's Possible to qualify for a Higher Amount

    With lots of payday lenders, there's a limit to the amount accessible to new borrowers. Your salary range is what determines how much you can access. When you repay your first loan as agreed, your lender can offer you more loan. For example, if you are given a payday loan of $500, and you repay within the agreed period, your lender can then decide to increase your limit to $1,000 depending on your salary and your lender's lending policy.

    State laws can affect how much lenders are willing to give as maximum or minimum. You will find out what the limits are during your application when you repay your loan quickly, you will strengthen the relationship between you and your lender, and you will always have the cash to take care of unexpected expenses.

    5. Protecting your Credit Rating

    Payday loans have to be repaid within a short term. While some may see this as a shortcoming, it is beneficial, and it protects your credit rating. If you take up an installment loan, for instance, the loan repayment will be spread over a period, say, two years. If you lose your job or fall sick during that time, and you do not have a side income, you will definitely miss some installment while you hunt for another job.

    Failing to honor the repayment terms of your loan will affect your credit rating negatively. You will also pay additional charges, and that will further raise the cost of the loan. A credit card seems like an easier option but if you don't control how you spend you will hurt your credit rating. For most cardholders, that is an uphill task. There is always the risk of spending beyond what you can afford, and that can ruin your credit rating.