Friday, September 23, 2011

Is a Small Payday Cash Advance Best?

Is a Small Payday Cash Advance Best?

small payday cash advancesBigger isn't always better, and this maxim holds true when it comes to payday cash advances. After all, if you take out a big cash advance, you're responsible for paying back interest on every dollar. On the other hand, with a small payday cash advance, you have to pay much less interest, as the principal is lower, even if the interest rates are the same, and they will often be lower for smaller loans than big ones. You can see why it's an advantage to borrow a smaller amount of money whenever possible.

The disadvantages of a big advance are numerous. It's harder to find them, as payday lenders are reluctant to give out large sums of cash and risk losing it all at once when they could give several smaller loans to others and lessen the impact of losing any one of those loans to a defaulting borrower. Because of this higher risk, the interest rates are also higher, and there's a good chance you will have to undergo a credit check to take out a larger loan.

A small payday cash advance is more readily available, more easily paid back, and costs less than a bigger one, since you are being charged interest on fewer overall dollars. When it comes time to repay the payday cash advance, it won't make such a big impact on your paycheck, so you'll have more money to live on until the following paycheck. It's clearly a good idea to opt for this choice if at all possible.

It's not always possible to take out a small payday cash advance, however. You can tell which option you need if you do some budgeting, as you should already be doing in preparation for taking out the advance. Plug in the numbers to see what the impact on your next two weeks or month will be when paying back the smaller amount versus a larger loan, and calculate just how much you will need in order to pay off crucial bills.

payday cash advancesFees and interest rates are two of the most important things to examine in detail before deciding which small payday cash advance offer to accept. Any extension options are worth noting, just in case it becomes necessary to delay your repayment of the advance. A small payday cash advance can grow bigger if you extend since you'll pay more for having the money longer!

Small payday cash advances might be just the right amount of help you need in order to get through to your next payday or beyond.

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Sunday, September 18, 2011

Payday Loans; the Good, the Bad and the Ugly

direct payday loan lenders

good businessThe Good

There is a small payday loan company out of Delaware named AmeriCash Advance that is not publicly traded. This company was one of the first online payday loan lenders back in 1999.

Through personal contact with this company I've come to learn that they treat their customers with respect and provide loans at honest rates. AmeriCash Advance has not grown as fast as many other companies simply because they refuse to reach so low as to do the despicable things that other companies have done and continue to do to consumers in the name of profit.

Most of those seeking an online loan just want a loan from a direct, honest, helpful lender that provides loans at or below industry standard rates, to get them to through an emergency situation.

Many in the media, state or federal government consider anyone that provides short term loans and is therefore in the payday cash advance industry to be bad by nature, but that could not be any further from the truth.

In our experience, AmeriCash Advance is honest and straight forward and does these things right as well; 1) While they make loan extensions (rollovers) available to their customers, they doesn't advertise them and in fact discourages their use and 2) Have for the past 10 years or more, zeroed out loan balances after the customers payments reach 150% of the original borrowed amount. Now I'd like to discuss this second point for a second. What this means is, if a customer, through extensions or other factors reaches a payback limit of 150% of the original borrowed loan amount gets their outstanding loan balance forgiven! This practice is in no way an industry standard practice, and in fact, I know of no other lender, in the short-term loan space or any other financial space for that matter, that does or would even consider doing this. Just to be clear, when AmeriCash Advance zero's the loan, the customer is free and clear of the loan!

good payday lendersThe Bad

The biggest payday loan firm is the Orwellian-named Advance America, a publicly traded firm listed on the New York Stock Exchange with over 2,500 outlets in 32 states. Wells Fargo, Bank of America and U.S. Bank provide a $75 to 300 million line of credit to the firm at interest rates ranging from four to eight percent on the loans. In recent months, Advance America's booming profits have been noticed and it has been touted as a “good investment” by Wall Street insiders.

One former employee of Advance America explains some tricks of the trade. Speaking on the condition on anonymity (because he and other employees were forced to sign a confidentiality agreement upon leaving the firm), this former shop employee says that many of his clients were on disability or U.S. Social Security: “They would come in for a small loan and write a check to the company dated the 3rd of the month, when their government checks would arrive. All the Advance America employees were required to come in early on that day, so we could quickly cash their checks and wipe out their checking accounts.”

A primary goal is to get customers to continually renew their loans. “We had to call in our numbers every night to Advance America’s corporate headquarters. They were not interested in numbers on who paid off their loans, but on who renewed their loans. They wanted folks to pay the interest rate and keep the loan going and going,” says the former employee.

This employee also worked for a time in the collection department where he was instructed not to visit people at home, but to go to people’s place of employment first. “We would not tell their bosses where we were from, but we would carry a clip board with our name on it in a prominent way. We would request that a person be pulled off the factory floor, not to collect, but to keep them on the hook. The key was embarrassment and intimidation.”

The above was reprinted from:

good loan ratesThe Ugly

There are many companies who advertise themselves as online payday lending sites but are in fact middle men in the loan industry. While that in itself is not a bad thing, some run the customers they receive on their pretense websites through many different lenders, each of whom run credit checks on the potential customers which can among other things seriously damage their credit rating.

Even worse, they put the least credit worthy through a never ending ring of middle men sites which in turn may at their worst place popups on the screen that are intentionally meant to confuse and defraud the customer. The popup offers a service that the customer most likely would not want but with one wrong click of the mouse authorises and is charged, something like $29.95, for this unwanted and useless service. What would you do if you applied for a short-term loan online and on the application, provided your bank account and routing number for the depositing of loan funds based on the perceived notion that you would be approved, and a popup appeared that stated something like; "You Qualify for our Credit Check Services which costs $29.95 and you authorize us to withdraw this amount from the checking account you provided. Click OK to Cancel or Click Cancel for Authorization"? How many people do you think would get confused and click Cancel, which is the wrong choice. The practice of confusion selling was encountered through clients of a lead seller we encountered by the name of Atomic Leads. Green Leaf Loan Group through its parent company, AtoZ Financials, LLC had a very short term business relationship with Atomic Leads which was severed immediately upon learning of this ugly practice.

Another Ugly practice we have identified is over-selling; whereby these middle men sites deny the potential customer for a loan, due to their current credit status, but then sell the customers loan application to multiple another companies, often times offshore or overseas. These third parties in turn send the potential customer emails offering them loans at rates that are multiple times the industry standard. If this were to happen to you, you should expect to be bombarded with texts, emails and calls from foriegn based robo callers for months on end. The emails and calls will continue even if you take out a loan or tell the callers to put you on their do not call lists.

The practice of over-selling was encountered while working with a lead seller we encounted called ** Leads. Green Leaf Loan Group through its parent company, AtoZ Financials, LLC worked with ** Leads on multiple products but immediately terminated advertising of products carried by ** Leads where it was identified that they or their affilaites engaged in this ugly practice.


In the spirit of full disclosure; is a payday loan lead provider. Green Leaf makes every effort to match those seeking payday loans with quality direct lenders such as AmeriCash Advance or provides their applications only to those companies it has evaluated and determined do not engage in the bad and ugly practices mentioned in this post.

Your comments, questions and concerns relating to this story would be greatly appriciated.

Sunday, September 11, 2011

Past Overdrafts? Then a No Telecheck Payday Loan is your Best Option!

No Telecheck Payday Loans

no telecheck payday loansIf you have found yourself short of cash and had a check that bounced because of lack of funds in your account, then the No Telecheck Payday Loans option may be exactly what you need. For those that have cash flow problems between paydays, the no telecheck payday loans option is a way to get the badly needed funds to cover emergencies that might have occured. Yes, there are some people that are unable to get payday loans, once they have bounced a check because a telecheck is ran. However, it is possible to find no telecheck payday loan lenders, if you know where to look.

In fact, those that have bad credit or no credit can find cash advances at no telecheck payday loan companies that don’t run credit checks, telecheck or income verifications. This is the way you can get the short-term loans you need to cover emergencies, without writing a check when you know you have insufficient funds, which might involve telechecking your credit and adding of fees that will surpass a low fee payday loan. When you consider that the payday loan no telecheck option might just save you money in the long run, then this option is much more attractive.

There is never a need to suffer the stress and anxiety of not having the funds you need for an emergency car repair or a forgotten utility bill that might require you to write checks that won’t clear your bank account. With the no telecheck payday loans options, you can get the money you need without incurring bad marks on your bank record or incurring those unnecessary fees. For those that have already written bad checks in the past, the no telecheck payday loans option is the best solution because bouncing checks may cause you to not even be able to write a check at the grocery store in the future, even when you have cash in your account!

no telecheck cash advancesWith the ease and convenience of the Internet and your personal computer, it is possible to find no telecheck payday loans that can put the cash in your bank account within a matter of hours. For those that have had past credit problems, including a bounced check, then the no telecheck payday loans and no telecheck cash advances can relieve the stress and anxiety associated with an emergency, when you haven’t got the cash to cover the expense. While other forms of short-term borrowing might involve running a telecheck, you can get the money you need with the no telecheck payday loans and no telecheck cash advances and not need to go through the embarrassment a bounced check can cause.

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Monday, August 22, 2011

How to Apply for a Personal Cash Advance with Green Leaf Loan Group

How to Apply for a Personal Cash Advance with Green Leaf Loan Group

greenleaf loan group direct lendersA Greenleaf Loan Group Personal Cash Advance is a way for you to obtain an unsecured cash loan that will help see you through until your next payday. Many people choose personal cash advance loans from Greenleaf in order to meet unforeseen expenses that arise at a time in their pay cycle when they don’t have the spare cash to meet certain payments or emergency bills. Greenleaf loans also help people avoid costly late payment fees, overdraft account fees or costs associated with debt collection.

A personal cash advance loan can be obtained quickly and easily from Green Leaf Loan Groups direct payday lenders and you can be assured we only use competitive and reputable lenders offering online cash advance services. This means that you no longer have to physically go into a loan store in order to get a personal cash advance, making the whole process fast, simple, convenient and private.

personal cash advance direct lendersThe process of taking out a personal cash advance is as simple as completing our short online application request. Once your personal cash advance is approved, the lender will electronically transfer the amount you wish to borrow into your bank account where it will be ready for you to access when you need to. In most cases you won’t need to fax any supporting documentation (no fax) in order to secure your personal cash advance and, because these loans use only your income as collateral, nearly anyone can obtain cash in this way, even those who have bad credit.

Qualifying for a Greenleaf personal cash advance is simple and there are very few requirements that you will be required to meet in order to get a personal cash advance. These requirements may vary from state to state but generally you will need to:
  • Have a job and income of at least $800 per month
  • Be over the age of eighteen
  • Have an active checking account
In some cases there may be additional criteria that you will need to meet in order to qualify for a personal cash advance loan and these may be required by the laws under which your payday lender operates.

To begin the application process simply go to select a payday loan site that you are happy with and complete a simple, easy and private application. Be sure to check out all the fees and charges that apply to the chosen payday lenders products as these may have a big impact on the total cost of your personal cash advance. Once you are satisfied that you have checked out the terms and selected the right cash loan for you and completed the online application, your done. Before you know it you will be enjoying the financial assistance that a payday loan can provide.

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Thursday, August 4, 2011

Are Green Leaf Loans Right For You?

Green Leaf Loans

Green Leaf Loan Group supports a network of direct online payday loan lenders and no fax cash advance lenders.

If you are searching for a discrete lender who can provide an express service at a low cost that is vital to most Americans then the answer most definitely has to be yes; Green Leaf Loans are Right For You!

Look no Further to Find Quality Lenders:

  • Online Payday Loans
  • Fast Cash Advances
  • No Faxing, No Teletrack
  • Instant Lender Decision
  • Get Your Cash Today!
  • Let us refer you to a Lender!
Let's be honest, we can all get into a money crunch every once in while. Green Leaf Loan Group to the rescue! Regardless of your past, if you are currently employed and have a bank account, we can help you when it matters most. Have some bills due and are not getting paid until next week? Avoid the high cost of bounced checks from your bank and get a quick and easy Payday Loan Cash Advance, One Hour Payday Loan or a Direct Payday Loan. We simplify the process by pre-qualifying the lenders for you and aligning you with your best option. At Green Leaf Loan Group, Your Satisfaction is Always Important to Us!

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Wednesday, July 27, 2011

Direct Payday Loan Lenders Make Getting Cash for Emergencies Easy!

direct payday loan lendersAs certain as you can be that America is the greatest country in the world you can also be certain that there will be unexpected times that you'll need extra cash between paydays. Most of the time, the need arises out of common emergencies like car accidents, taking pets to the vet or the car breaking down. There are times when bills have eaten up your paycheck and we have no other means of getting the money to pay for the unexpected emergency except by applying for direct lender payday loans.

As far as payday lenders go, it does not matter what type of need you have, they are willing to help with any urgent situation. Direct payday loan lenders make it possible for individuals to obtain the cash they need fast to pay for emergencies and they do it in the shortest possible amount of time.

When you need the services of a direct payday loan lender, you should always apply as soon as the need arises as you will have to complete an application and have your information verified before you can get the funds deposited into your checking account.

If you’re in need of a $100 to $1500 short-term loan to cover unexpected expenses then a really good option to consider these days is a no fax direct payday loan. A no-hassle, quick-approval loan can be obtained from a Greenleaf loan provider and often within just a few hours of your original application. Since everything can be done online there is often no requirement to fax documents to support your application to the lender.

direct payday loan lenderIn cases were you find yourself in the midst of a financial emergency, you can trust that a Greenleaf direct payday loan lender can help you out. There is no need to be worried about not having a great credit history or credit score as you will often be eligible for these loans since most lenders do not conduct credit checks.

There is nothing quite like the feeling you get when you receive a good deal. This is something that you can look forward to when you make use of a Greenleaf direct payday lender. Direct payday loans are becoming the preferred option for most people because of the good feeling that they get and the fast service that they receive.

Terms often used to describe Greenleaf Loan Group: discrete, vital, prompt, professional, personal, fast and direct.

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Saturday, July 23, 2011

Greenleaf Loan Group provides Americans with access to direct online payday loan lenders

vital express prompt online lendersGreenleaf Loan Group provides Americans with access to direct online lenders who provide vital personal loans to those in need of quick cash and prompt service When you’re searching for a prompt, discrete and reputable online lender then look no further as we offer these vital services to hard working Americans who deserve it. Go Greenleaf or go home!

Payday loans help you get the extra money you need, when an unforeseen emergency occurs. Many people have good intentions and try to save for a rainy day, but it can be difficult to do for those that have unexpected car repairs or when medical emergencies occur. Payday loans help to meet these extra cash needs and they can be repaid the next time you get paid, making them more convenient than other methods for acquiring emergency cash. For those that use online cash advance lenders, payday loans help save time and energy because they are quick and easy to obtain.

If you want to avoid the embarrassment of asking for short-term loans from friends and relatives then payday loans from direct online lenders will help you avoid that situation. When you consider that online payday loans help you get the money transferred to your bank account, without ever leaving your home, the convenience and benefits are obvious. Once you meet the basic eligibility requirements then there is a simple application process and a representative will call to go to confirm the details, finally the documents can be electronically signed and you've got cash. Payday loans help you get cash almost instantly, because the money can be transferred to your bank account by direct deposit.

discrete vital prompt online lendersPayday loans help relieve stress and worry as there are some people that might find themselves a little short on cash before their next payday. When you don’t have quite enough money to take care of all the bills you need to pay, you can avoid late charge fees and other penalties. When you consider the nominal fee associated with payday loans, help is affordable and you can often save money in the long run, especially with the higher fees being charged by banks and credit cards for late charges, overdraft fees and over-limit fees.

If you consider the amount of money you can actually save by taking care of these bills on time, it is possible that payday loans help you to save money and relieve stress all at the same time. Even though the APR or annual percentage rate might seem high, consider you are only borrowing the money on a short-term basis and the actual dollars of the fees are nominal. When you consider the various ways payday loans help you get through emergencies or cash shortfalls, there are many advantages.

Greenleaf loans provide a vital service by offering discrete payday loans promptly.

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Friday, May 27, 2011

Be Smart and Wise With Online Payday Loans

It is extremely easy to obtain online payday loans through a number of lenders and loan comparison vendors and this easy availability can often lead people to get a payday loan just because they simply can’t wait until their next payday comes around. They may use the loan to pay for bills, groceries or medicines, although some will also use the loan to pay for luxury items that are on sale. If you have a firm budget in place and you are in control financially, then using online payday loans to purchase sale items can be a good move to make. If you know you are not great with budgeting, then payday loans should only be obtained when you are in a desperate financial situation and where there is no other alternative solution.

Online payday loans are easy to obtain because the lending criteria is a lot easier to meet than the criteria needed for more traditional long term loans, and in the majority of cases, a credit check is not necessary either. This means that if you are over the age of 18, have a steady job and regular income, and an active bank account, you will have a good chance of being approved for an online payday loan. Keeping this in mind, there are many people who obtain one online payday loan after another, as they continually find themselves short on cash before every payday. This may not be a sensible plan, and if this is happening to you, it would be wise to discuss your financial situation with a professional to see if you can work out a suitable budget that won’t be leaving you short of cash all the time.

Although the loan process is straightforward and most people will be approved if they meet the minimum criteria, it is also easy to be smart and sensible with the online payday loans you obtain. Here are some quick points to keep in mind, to ensure you are being sensible with your finances:
  • Determine the exact amount you need to get you out of your sticky cash situation and apply for that amount only
  • Make sure you have the funds available in your bank account on the day you specified as your next payday
  • When the funds are deposited into your account make sure you use them immediately, for the purpose for which you obtained the money
  • Read the terms and conditions carefully so you will not be surprised by what the loan will cost you

Online payday loans are a great resource to tap into when you are desperately short of cash. Follow a few simple guidelines and you should have no further worries when obtaining a short term loan. It is quite possible to plan your finances sensibly and to also take advantage of the benefits payday advances offer, at the same time.

Click one of the following links to be directed to one of Green Leaf Loan Groups online lending services: lines of credit, 1 hour loansnational online loans.

Green Leaf Loan Group is a division of AtoZ Financials, LLC - Online Payday Loans

Tuesday, April 19, 2011

Speedy Payday Cash: Best Payday Loan Companies Survive on Word of Mout...

Speedy Payday Cash: Best Payday Loan Companies Survive on Word of Mout...: "Many people discover the best payday loan companies and the best offers via traditional word of mouth recommendations. These lender endorsem..."

What are the Benefits of a Payday Loan?

A Payday Loan is simply a cash advance until your next pay day. It is a short term unsecured loan which should be paid back in full once your salary is paid into your checking account.

Payday loans were devised especially to help people who needed cash quickly because of some unexpected emergency bill that needed to be paid straight away and they had no other way of raising the cash in enough time. Payday loans are convenient but convenience comes at a price and these types of cash advances should never be used to raise cash quickly unless it is absolutely necessary.

By the very nature of its name you will find that a payday loan’s term is going to be around two to three weeks until you are paid. Some loan companies will look at restructuring your loan should you not be able to pay it off once you have been paid. Because payday loans are so easy to get by comparison to other lending alternatives, don’t forget why you would want to get one and the typical fees, interest rates you will have to pay. So by all means enjoy the benefit of getting a loan quickly but only ever go for the least amount you need and take into consideration the impact the loan will have on your cash flow when you get paid at the end of the month.

One of the biggest benefits is the speed and ease of application. At we will find the lender for you without you even having to fill out an application!  We reccommend you go to loan matching site at where you will be match with a pre-certified lender simply by entering your zip code.

All in all a payday loan is probably the easiest and quickest cash advance process there is online. Just be aware of the overall cost to you by using this service:

• Fast method to obtain a cash advance.
• Easy and straightforward online application form to complete.
• If you have a bad credit history it is usually not a problem.
• For a number of services you do not have to fax your details.
• Online application process and approval

Of course we would all like to be in the position of having an emergency cash fund that we could use whenever we wanted but, unfortunately for most of this is not the case. So if you do not have access to a cash resource to deal with an unexpected payment and you have either a bad credit history or no credit history at all (not advisable) a payday loan will be the best option for you. Visit today for a quick, easy match to quality lenders in your area. Have money in your account tomorrow. At Green Leaf Loan Group, we can find a quality direct lender for you!

Green Leaf Loan Group is not a lender but is the parent company to Speedy Payday Cash.  Speedy Payday Cash can connect you directly to a quality lender who loans in yor area.

Sunday, March 27, 2011

Green Leaf Loan Group wastes no time in lanching its second of three Cash Advance lending sites

On March 18, after the dust had barely settled on their launch of Zippy Payday Cash, Green Leaf Loan Group launched what company officials claim is the second of three sites they plan on launching in the first quarter of this year.  Their new site; shows the same clean lines as their previous site and offers the same quick funding, premier customer service, and secure transactions. 

VP Heather Wilson explained that; "At Zippy Payday Cash and Speedy Payday Cash, the customer simply enters their zip code and receives a list of Online Payday Loan Companies that provide loans in the consumers area".  She also said that the list is internally kept short to avoid confusion but provides the consumer with enough information about the lender for them to make a decision on choosing a lender".

It appears, at least at the outset that Green Leaf Loan Group plans of assisting visitors to its websites with finding cash advance payday loan lenders rather than lending directly to the customer.  Ms. Wilson addressed this by saying that Green Leaf LG has screened its lenders very carefully to ensure they offer the quality of service that will reflect very positively on us.

Green Leaf Loan Group is a subsidiary of AtoZ Financials, LLC

Green Leaf Loan Group anounces kick off of new lending sites

On March 15, Green Leaf Loan Group launched its first nation wide cash advance site, Green Leaf VP Toby Howard said; "Consumers across the USA will be able to receive quick funding, premier customer service, and secure transactions". Toby also, says that Green Leaf LG plans on making sure all users of their sites can apply in minutes, receive instant approval and receive their loan as quickly as possible".  You can read the full story on parent companys, AtoZ Financials, LLC's corporate blog.