How to Find The Right Payday Loan Lender

It seems that everybody is using payday loan lenders these days. Of course, it’s not really surprising, especially when you consider that the cost of living has soared to record levels during the last couple of years.

One of the main problems with payday loans is finding the right lender. Sure, a quick search in Google will supply you with hundreds of websites, but just how many of these payday loan lenders can be trusted?

In fact, it may shock you to discover that many of the payday loan companies you can find online are operating illegally, and do not comply with government rules and regulations.

While this might not seem like a big deal to you right now, especially if your only thought is about getting fast cash into your bank account, it could end up hurting you down the line.

The reason? These payday lenders will think nothing of adding unlawful charges onto your loan, or even scamming you out of your money altogether.

Because of this, you need guidance on how to choose the right payday loan lender, which is why we have compiled the tips below…

Look for reviews

One of the best aspects of the internet is that people are not afraid to have their say about companies they have used in the past.

If you are thinking about using a particular payday loan company, then it is a good idea to check for reviews before you submit your application.

Check the terms and conditions

Legitimate payday loan companies will always clearly state the terms and conditions of the loan on the application page, so you can gain a better understanding of the interest rates, fees and charges.

If a website doesn’t include any terms and conditions, then it is safe to say that they are illegal lenders and should be avoided.

Contact customer support

It’s highly unlikely that a rogue payday lender will have a team of customer support staff on hand to answer any questions you may have. In fact, you may be hard pressed to find any contact details at all.

Trustworthy payday loan companies realize the importance of great customer service, which is why they hire friendly staff and have multiple ways for you to contact them.

Website design

One of the biggest indicators that a payday lender is not legitimate is poor website design. If you land on a website and it looks like something from the 1990’s, then you should probably stay away.

Popular payday lenders spend a lot of time and energy making sure their websites are well designed and offer a great user experience.

1 Hour Loans UK

Looking for a solution to problems when it comes to expenses? 1 Hour Loan comes with an end to all your money problems that you are facing right now. Loan in 1 Hour can help you in recovering from a financial crisis as long as you smartly know how to look for lenders offering payday loans online. 1 Hour pay day Loans are what loan advisors would suggest you to go for if you need money which falls in the range of £50 to £2500. There are situations when you face any kind of financial crisis in a month and you are sure that you can arrange money on your payday. This is where 1 Hour loans holds good. 1 Hour payday loans come up with benefits as well as drawbacks and one should know how to look for 1 Hour payday loans online if he wants to compare fast 1 hour loans in the UK.

Benefits and limitations of Payday Loans

In order to borrow cash in 1 hour, you don’t have to go through too much of documentation and this is what makes most of people in UK opt for instant cash loans. People looking for fast cash loans in 1 hour don’t find tough obtaining 1 hour loans UK lenders are in numbers who offer payday loans at nominal interest rates and 1 hour loan for bad credit as well. There are times when you need to pay bills in case of emergency like medical bills, unwanted and financial crisis which could happen once in a while. You can easily get out of trouble after seeking instant payday loans where you have to repay the amount within a period of 1 to 30 days. Filling up an online application form for all 1 hour loans won’t leave you with efforts and you can easily find a broker for instant cash loans in UK who will help you by discussing all important terms and conditions. When it comes to same day loan in UK, approval rates are high as close to almost 100%. Looking at benefits of 1 hour loan Unemployed UK citizens don’t mind applying for it in lieu of security.

When it comes to limitations, all you need to know is that interest rates of one hour payday loans are more than normal loans but once you hire an experienced broker, you can expect lower interest rates. One would find it easy to acquire loans which can be considered as advance to payday in 1 hour but he should not make it a habit of renewing payday loan again and again. Enjoy the benefits of payday loans and work on its limitations; you are surely going to get out of your crisis.

How to dress for spring 2013 (if it ever comes)

Looking outside the window, all I can see is a whirlwind of white. March brought the official start to spring, but it would seem that someone forgot to tell the weather that. Currently, I am dressed head to toe in cosy knitwear that I had hoped would by this point in the year, be safely stored in the back of my wardrobe, not rearing their soft  toasty heads until at least the start of September. Instead it’s the cute sun dresses and bikinis that have been condemned to the confines of my closet, begging to be worn, to feel the heat on their fabric, but every time I open the door to grab another massive jumper I have to shake my head sadly and say “not today”. On the off chance that spring finally decides to wise up and give us the sunshine we’ve been waiting all year for, The fashion conscious sponsorship guys over at Wonga.za have provided a list below of a few key pieces to keep you looking stylish in 2013.

Bermuda Shorts

All over the New York runway this season, Bermuda shorts are ideal for anyone who wants to show a bit of leg without having to show their bum cheeks to the world. Super flattering and chic, they suit just about everyone. Perfect for a walk on the beach, they look fantastic dressed down with a pair of sandals or dressed up with some strappy heels. Go for light and floaty this season to be bang on trend.

Statement Sunglasses

This year it’s all about the wow factor with your sunnies – the bigger and bolder the better. With a shape and colour out there to suit every face shape, there’s no excuse not to grab yourself a pair of these bad boys. Not only will you look fabulous but you’ll be projecting your eyes from harmful UV rays. Plus, you get the added bonus of being about to check out those sexy beach bodies without being caught.

Cut-out Pieces

Ok, so not an individual piece of clothing, but anything that shows a bit of skin is going to be big this spring. From midriff bearing separates to sheer fabrics, there’s something for the most daring to the most demure. This year designers have gone for more intricate laser cut designs to create delicate, detailed looks, guaranteed to make you stand out from the rest.

Pinafore Dresses

Cute and quirky, pinafore dresses are making a huge comeback. They’ve had a major reworking this season and you’ll now see them with modern twists, such as the leather pinny that’s shaping up to be one of the biggest key pieces for 2013. You’ll find them in a whole range of styles, from girly and floral to androgynous, there’s a pinafore out there to suit everyone. They make the ideal casual wear, looking great with plimsolls, sneakers or sandals.

Media – Payday Loans Are Here to Stay – Get Over it!

A lot of media are running tons and tons of pieces against payday loans, and we felt that it was a great time to fight back. During the holiday season, people are thinking about spending quality time with their families. Why not enhance that experience with a payday loan if that’s what you really want to do? It’s all about choice, and until they say otherwise, this is still a free society. Everyone should be able to know their limits and work well within them. It’s one thing to know that you just cannot handle credit in any form, and quite another story to know exactly what you’re working with. The last thing that you want to do is find that you just can’t seem to get things taken care of for the long run. You want to be able to get the financing that you need even if every traditional bank doesn’t think that you should have it at all. You will be better off applying for a payday loan online, where the processing time is reduced greatly.

There’s no doubt that you can get a payday loan. It’s not about being popular, it’s not about knowing the right people and it’s certainly not about being liked by absolutely everyone. It’s completely about whether or not you can pay back the loan. You just have to focus on that and everything else will happily fall into place.

There’s something to be said about looking at everything from the most logical viewpoint. When you know that you need financing, why try to delay and pretend that you don’t? This is only going to make it harder to get where you ultimately wish to be.

The media can get over the presence of payday loans. They can indeed hurt people, but that’s the nature of all financial products. You don’t have to fear credit — you just need to learn how to master it.

Again, it cannot be stressed enough — you will definitely want to make sure that you focus on applying online as soon as possible in order to get the best processing times. There’s no reason to sit around when you could have the money that you need.

As a gentle reminder, you can pretty much use the payday loan money for anything that you want to use it on. There’s no one that you have to explain what you will use the money for. So if you want to use the extra after paying the bills on throwing a great holiday party or getting that special someone a gift, you can definitely do that without a problem at all. It’s up to you to figure out where you want to go with this.

Good luck with everything that you have planned this holiday season!

Single Mothers Can benefit From Payday Loans Too!

Life as a single mother is something that is incredibly hard. Of course, we’re not trying to be sexist here at all. There are plenty of single men that are raising children as well. However, since the society we live in has an overwhelming amount of single women trying to raise children on their own, we decided to make a guide primarily for them. Men can read along and adapt the solutions to their own needs, as always.

The bottom line here is: a single woman has a lot on her mind. Her children have to take top priority in her life. They cannot be ignored or set aside — that would just make life difficult. They need so much time and attention that it can really be hard to even think about relationships. If you’re a single mother having a hard time making ends meet, you might feel like you just don’t get any assistance at all. Thankfully, there is a way to get help with extra money when you need it. You can turn to a payday loan.

Now, you might be rolling your eyes right now. That’s what we did too, because we only thought about it in terms of what the media told us about payday loans. There are a lot of reasons to really like payday loans.

First and foremost, it’s available around the clock. Even if the payday loan shops are closed, you can always go online to apply for the loan. You can get approved and have the funds deposited into your account when the normal business hours roll around again.

This money is powerful — you can use it for anything you want. And did we mention that it’s confidential? That means that you aren’t going to have anyone that will know what you’re doing. If you show up with the extra money, nobody will assume that it’s a payday loan. You don’t owe them an explanation either. Taking care of your kids sometimes means that you have to top take extreme measures to make everything work. And that’s okay — you’ll be out of the rough patch soon enough!

It’s a given that payday loans have a higher interest rate, but people don’t think about the cost of inaction. When you’re taking care of a child, you sometimes don’t get a second chance to get things done. You don’t get a chance to make sure that everything and everyone is going to be fine. The reality is that you have to make sure that you’re going to be safe and well. The reality is that you have to make sure that you are looking carefully at just about everything happening both in the short term as well as long term. It’s up to you to take good care of your children, and payday loans help you do that. Are they immoral? Unethical? We don’t think so at all. Family and friends may love you, but they might not have any money to spare. Do you really want to end up failing to make things happen because you’re worried about the future? That’s no real way to live, you know. You have to focus on the bigger picture and not get sucked into the “worry game”. Good luck!

How to Save Money on the Cost of Owning a Mobile Phone

With so many different mobile phone tariffs available, it is easy to become confused about which one offers the best deal. Let’s clear up some of the confusion by taking a look at the different types of mobile phone contracts and pay as you go deals available to consumers. The right deal for you will depend on the type of phone you own or want to buy, as well as your typical mobile phone usage habits.

Is Pay As You Go Cheaper?

A pay as you go tariff can be a very cost-effective way of paying for your mobile phone usage, particularly if you are not a heavy user of data and don’t make too many calls. On a pay as you go tariff, you only pay for the minutes, texts and megabytes of data that you actually use, which makes this kind of tariff a great option for people who are not heavy phone users. Some pay as you go tariffs also offer free texts or data every time you top up. However, unless you already own a handset, you will probably have to buy one outright in order to use this type of tariff, which is a large upfront cost that not everyone can afford.

Comparing Contracts

Mobile phone contract deals can sometimes be the most cost-effective way of getting your hands on the latest smartphone. It is often possible to get a free handset by signing up for a contract, but it pays to do your homework before signing on the dotted line: work out how much you can expect to pay in monthly charges over the course of the contract. It might be cheaper to buy the phone you want outright and use a pay as you go or SIM-only tariff instead.

Contract deals are particularly suited to people who make a lot of calls, send thousands of texts per month, or are heavy data users. For these people, paying for everything they use on a pay as you go tariff would be very expensive. However, it is important not to take out a contract for more minutes and data than you need if you are trying to save money. If you currently have a mobile phone, track how many minutes you spend making calls, how many text messages you send, and how much data you transfer over the phone operator’s network during an average month. Using this information, you can work out what allowances you will need your contract to provide.

Should You Take Out an Insurance Policy?

Many mobile phone providers will try to get you to sign up for an insurance policy when you buy your phone. Carefully weigh up the costs and benefits of such a policy before agreeing to take one on. If you end up spending significantly more on paying the insurance premiums than it would cost you to buy a new phone, the policy probably isn’t worth the money you are paying for it.

Restricting Data Costs

If you are on a pay as you go tariff or a contract deal with a limited data allowance, you will need to restrict the amount of data you send and receive over your carrier’s 3G network. You can do this by using free Wi-Fi whenever it is available. Set up your phone to automatically scan for wireless networks and connect automatically to your home network. You do not pay to send or receive data over a wireless network, so do as much downloading and updating of applications as possible while you are connected to reduce your 3G data usage and potentially lower your bill. If you are travelling abroad, adjust the settings on your phone so that it doesn’t send or receive data while you are roaming; remembering to change this setting could allow you to avoid returning home to a shockingly large phone bill.

Beginner internet marketing tips to help get your business off to the best possible start

Any fledgling business worth it’s salt these days should have an internet marketing dimension included in their overall business plan. Even if you have no experience in the field of online marketing you should not dismiss taking the time to inform yourself as choosing the right strategy choice here will give your business a significantly higher chance of getting off the ground and continued reliable business too. Of course the first step to accomplishing this is to master the relevant internet marketing techniques, hopefully this brief beginner introduction can set you on your way to becoming a master marketer on the web.

Do some research into your niche competition.

The term ‘niche’ refers to the specific area in which your business is based. For example vintage motorcycle repair or crocodile skin boots are highly specific niches – they focus on a single area or expertise or product. It is well worth your while investigating the level of competition for a particular niche. You will find that the market is already over saturated for many of your ideas however it may be a promising sign if you have a business service or product that you know people want but is currently under represented in cyber space. Your competitor research becomes incredibly important because you can use this data to see how the market leaders currently pitch their product, how they design and style their website to attract customers and you can even check where your competitor has it’s website links to allow it to rank well in the google search engine. Absorb as much of this information as you can from your strongest competitors then look to replicate and improve it for your own internet marketing empire.

Decide what keywords you want to target.

An integral part of a successful internet marketing agenda is the correct selection of keywords suitable to your target niche. The importance of keywords is they allow the average potential customer to easier find your product or service. For example it if your business is custom designed T-shirts it is a good idea when you link to your website to use a keyword like ‘custom t-shirt designs’. You should also be using these keywords in the correct areas of your website such as the titles and subheadings. Of course you should not ‘stuff’ your website full of these keywords at every opportunity as this can actually damage your website’s ranking and usefulness. When in doubt you should always ask yourself ‘Will this make it easier for the average person to find what they are looking for?’ If the answer is yes then go for it – it will help improve your conversion rate and should keep you on the right side of google’s constantly updating search algorithms too.

Your Plea For Help in Fighting PPI Is Answered!

When you first hear about PPI, you might feel helpless. Scared. Worried. Frustrated. And yes, a bit angry – though that might be an understatement. When many people first started digging into the PPI scam, they were shocked at the level of deception and deceit going on. They wanted to think about anything else, really anything else, to keep from going crazy. There’s a lot of money trapped in PPI forums, and that’s something that can really wear you down.

If you’re crying out for help with PPI right now — there’s help on the way.


PPI claims companies have the legal skills to handle your case. It’s a lot better than trying to wade through all of this on your own. There’s no reason to believe that you have to fight it out on your own. This is a good way to make yourself sick from the stress. A claims company will make sure that they use every resource imaginable to track down any other PPI premiums that might be floating around. This could boost your compensation sky high without any extra work from you.

What the claims company does is do the legwork for you so that you can get a compensation award. However, they do charge a percentage of what you get. The benefit here is that you don’t have to pay any upfront cash. This is good when you’re struggling as it is because it means that you’re not going to have to make any sacrifices. All you need to do is make sure that you set up an initial meeting. You need to come clean and be honest about your PPI policies. Getting the money back can be done and it can be done in a hurry, you just need to make sure that you’re taking action everywhere that you go.

Some people want to give up, thinking that PPI is something that just goes beyond what they can do. That’s not true at all. you have what it takes to contact a company and let them take this stress from you. You need to let the stress go — there’s other people that are more than willing to stress and worry about things like that. Are you ready for the chance to get your money back? Contact a claims company today — you will not regret it at all!

How to Understand the Application Process for a Payday Loan

Did you know that applying for a payday loan is actually fairly easy? Payday loans are actually one of the easiest loans to obtain in the entire world. Below, you will find information that can help you better understand the application process, so that you are familiar with it before you apply.

Payday loans do not rely on your credit history

It’s important to understand that the payday loan company is not going to check your credit history. They are not concerned with what your credit says about you, they are primarily concerned with your employment. As long as you have present employment and you can verify that you receive regular payments from your employer, they should be able to approve your loan application.

Verification can be provided in more than one way. If you do not receive pay stubs from work or receive a check, bank account statements that show regular payments can also be used as a form of verification.

Payday loans feature a simple online application

Another thing to understand is that payday loans can generally be completed online. It’s a very straightforward and easy procedure and it only takes a few minutes of your time. Of course, you have to provide the fundamental information like your first name, middle name, last name, and more. You also need to provide information on your current state of employment and how much money you make. These are details that are necessary to the application process.

After your application is submitted, it will take one to three days for a reply

After you have submitted your application to the company, it will generally take about 1 to 3 days for them to get back to you on your approval status. Of course, sometimes these applications are processed quicker and they will get back to you within a few hours. However, the company generally requests a few days for them to have enough time to process your application and provide a formal and direct response to you.

You will be expected to repay the loan within a timely manner

After the loan has been given out, you will be expected to begin making payments immediately. Payday loans are short-term cash, they have to be repaid fairly quickly. Make sure that you prepare your schedule appropriately so that you can start making payments within as little as 1 to 2 weeks.

How to Find a Quality Payday Loan Company Online

If you are looking for a payday loan company to get a loan from, there are some methods that you can use to find quality payday loan companies on the Internet. Some of these methods have been documented below, these are effective ways to locate a payday loan company within a very quick time frame. Additionally, these methods also help you locate a payday loan company that has a good interest rate, solid repayment terms and lots of additional features.

#1 – Search on Google for low APR payday loans

Searching on Google for low APR payday loans will often help you find a business that offers the lowest interest rate possible on payday loans. Keep in mind, payday loans do have substantially higher APR rates than credit cards and other types of loans. For this reason, it is important that you find a company that advertises their low APR services. This shows you that they cater to those who are looking for a lower interest rate and they can help you save a lot of money, especially if it takes you a significant amount of time to pay off the loan.


#2 – Check websites like Craigslist

Often times, companies will publish advertisements on websites like Craigslist when they are trying to get the word out about their services. This can be a great way for you to find out about companies and learn what types of services they bring to the table. Payday loan companies are commonly found on websites like Craigslist, so be sure to give them a look over if you are trying to find a quality payday loan company to work with.

#3 – Check for reputable payday loan companies based off reviews

One of the methods that you should use to locate a quality payday loan company is to check for reviews. You can look for reviews of the company online, this is one of the best ways to see how many years they had been in business and what the quality of their work is. If there are a lot of clients that are upset with them, this shows you that they have had a lot of hang ups with their company and this may deter you from working with them.