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No Employment Verification Payday Loans

Are you someone who values your privacy? Are you in need of money as soon as possible? Are you unemployed and in an emergency situation? When you have answered most of my questions in the affirmative, then you may also be tempted in applying for a loan with no employment verification.

What does ‘No Employment Verification Payday Loan’ mean? With traditional or storefront payday loans, you have to undergo certain steps to process your loan application. Lenders will need to verify your employment status and this process may take up to a day. Payday loan companies will also verify your credit ratings or look into any credit history if you have one. From investigating if you have correctly represented all the information you submitted to the approval stage, it can take up to a week before you have the cash you borrowed.

With modern technology and the changes in lending industry, applications for loans are much easier. Lending companies are now offering cash advances that don’t need to go through verification processes and you can have the money that you need in as quick as an hour.

    Instances of Payday Loans with no employment verification are:

  • Lenders only need an assurance that you will pay them back.

    The basic requirement of these types of loans is that you must be 18 years of age since lenders need you to be legally accountable to do transactions. You also need to have an active checking or banking account. This is where the assurance will come from. Payday loan companies often require that you issue a post-dated check to be deposited on their account on the loan repayment date.

  • Payday companies don’t care about your employment history.

    They are assured of getting their money back no matter what the consequences may be. Lending companies are widening their market and they started taking in loan applications from consumers who are unemployed or borrowers who are just starting on a new job. Legal obligations are solely shouldered by the borrower upon signing the loan terms and agreement. In any case, lenders will still have their money back and more (what with sky-rocketing high interest rates.) Cash advance companies will resort to any measure to force you to pay off your debts. This can sometimes result in mortgages, debt overflow and sometimes unemployment (if you started out employed). As stated earlier, lenders sometimes make you issue post-dated checks which will bounce if funds are not available on the stated date. Bouncing check fees will start accumulating and that’s an addition to your list of debts.

  • Lenders are blinding you with quick solutions to your dilemma.

    None of the problems can be resolved instantly. You have to really think and analyze it. To obtain positive results in your actions, don’t be hasty in making decisions. Before signing up for emergency loans read and understand carefully what’s in the loan agreement document. There may be some information that’s been withheld to lure you into signing up. Information like how much the interest rate will cost is very important for you to be able to compute the end amount you will have to pay to the lending company.

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NOTICE: PLEASE BORROW RESPONSIBLY. A SHORT TERM LOAN SHOULD BE USED FOR SHORT-TERM FINANCIAL NEEDS ONLY, NOT AS A LONG-TERM FINANCIAL SOLUTION. CUSTOMERS WITH CREDIT DIFFICULTIES SHOULD SEEK CREDIT COUNSELING OR MEET WITH A NONPROFIT FINANCIAL COUNSELING SERVICE IN THEIR COMMUNITY.

Representative APR 391%
Example: You borrow $100 for two weeks. Lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-Payment:
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. None payment of a payday loan might negatively effect your credit history.
Consumer Notice:
A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.
Legal Disclaimer:
This website does not constitute an offer or solicitation to lend. We are not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this web site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Our provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. We are aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. We do not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Our service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use our service. Learn more on our Rates & Fees section.
Availability:
Residents of some states may not be eligible for a short term cash loan based upon lender requirements. We do not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.