Comments on: No credit? No collateral? No problem http://iowaindependent.com/3462/no-credit-no-collateral-no-problem Iowa politics, news and commentary Mon, 12 Sep 2011 07:06:20 +0000 hourly 1 http://wordpress.org/?v=3.1 By: WWW.INSPECTAGADGETS.COM http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-36619 WWW.INSPECTAGADGETS.COM Thu, 13 Jan 2011 01:52:26 +0000 http://iowaindependent.com/?p=3462#comment-36619 <strong>REVIEWS ON THE HOTTEST ELECTRONICS OUT...</strong> GET THE LATEST REVIEWS ON THE HOTTEST ELECTRONICS OUT!... REVIEWS ON THE HOTTEST ELECTRONICS OUT…

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]]> By: payday loans http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-24596 payday loans Tue, 01 Dec 2009 11:56:12 +0000 http://iowaindependent.com/?p=3462#comment-24596 There are many people that make proper use of payday loans and do a good job of managing their financial situation to make sure they don't run into major problems. There are many people that make proper use of payday loans and do a good job of managing their financial situation to make sure they don't run into major problems.

]]> By: elle_swan http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-20733 elle_swan Tue, 01 Dec 2009 05:56:12 +0000 http://iowaindependent.com/?p=3462#comment-20733 There are many people that make proper use of payday loans and do a good job of managing their financial situation to make sure they don't run into major problems. There are many people that make proper use of payday loans and do a good job of managing their financial situation to make sure they don't run into major problems.

]]> By: aryanmehta http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-19305 aryanmehta Tue, 27 Oct 2009 04:23:18 +0000 http://iowaindependent.com/?p=3462#comment-19305 <a href="http://www.equity-point.com/" rel="nofollow">Hostel Barcelona</a> Hostel Barcelona

]]> By: 4cashnow http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-19264 4cashnow Thu, 22 Oct 2009 08:29:55 +0000 http://iowaindependent.com/?p=3462#comment-19264 <a href="http://www.4cashnow.co.uk/pay-day-loan.php" rel="nofollow"><b> PayDay Loan </b><a rel="nofollow"><br><br>Payday loan is a small, short-term loan, which is intended to cover a borrower's expenses until his or her next payday. The Payday loan serves the lender as an advance on the salary and gives a boost of cash when she/he requires it. The borrowed money can be repaid when an individual can afford to do so, namely on the payday. In this way, the Payday loan offers a means of helping with emergency cash, or helping to bridge the gap between payday and an urgent expense. It is always advisable to use the Payday loan as they are designed to be used. It means, the loan must be used for short-term credit needs only and the borrower must repay the same on the. This loan should not be used for long-term credit needs or debt problems.</a></a> PayDay Loan

Payday loan is a small, short-term loan, which is intended to cover a borrower's expenses until his or her next payday. The Payday loan serves the lender as an advance on the salary and gives a boost of cash when she/he requires it. The borrowed money can be repaid when an individual can afford to do so, namely on the payday. In this way, the Payday loan offers a means of helping with emergency cash, or helping to bridge the gap between payday and an urgent expense. It is always advisable to use the Payday loan as they are designed to be used. It means, the loan must be used for short-term credit needs only and the borrower must repay the same on the. This loan should not be used for long-term credit needs or debt problems.

]]> By: deltablog http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-15475 deltablog Thu, 19 Feb 2009 16:06:51 +0000 http://iowaindependent.com/?p=3462#comment-15475 Hi, I think so. payday loan is be alternative. Hi, I think so. payday loan is be alternative.

]]> By: car loan pawn title http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-12829 car loan pawn title Mon, 15 Sep 2008 04:32:51 +0000 http://iowaindependent.com/?p=3462#comment-12829 <strong>car loan pawn title...</strong> Your site regarding %TITLE% looks very interesting to me. I found it doing a search for %KEYWORD%.... car loan pawn title…

Your site regarding %TITLE% looks very interesting to me. I found it doing a search for %KEYWORD%….

]]> By: Jon Schultz http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-6120 Jon Schultz Wed, 06 Aug 2008 18:35:31 +0000 http://iowaindependent.com/?p=3462#comment-6120 The most important statistic is contained in customer satisfaction surveys, which show that the overwhelming majority of payday loan borrowers consider the loans to be a useful financial service. See http://www.cfsa.net/customer_demand.html That tells you a lot more than the APR or statistics on how often people use the service. If someone uses the service frequently that doesn't mean he has been preyed on, as the critics claim, it could just mean he is having a hard time making ends meet and uses payday loans frequently to save money on bank overdraft and other late-payment fees which can have an APR 20 times higher. See http://www.cfsa.net/OverdraftProtection.html The customer satisfaction surveys sure seem to indicate the latter. The most important statistic is contained in customer satisfaction surveys, which show that the overwhelming majority of payday loan borrowers consider the loans to be a useful financial service. See http://www.cfsa.net/customer_demand.html

That tells you a lot more than the APR or statistics on how often people use the service. If someone uses the service frequently that doesn’t mean he has been preyed on, as the critics claim, it could just mean he is having a hard time making ends meet and uses payday loans frequently to save money on bank overdraft and other late-payment fees which can have an APR 20 times higher. See http://www.cfsa.net/OverdraftProtection.html

The customer satisfaction surveys sure seem to indicate the latter.

]]> By: Jon Schultz http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-8911 Jon Schultz Wed, 06 Aug 2008 18:35:31 +0000 http://iowaindependent.com/?p=3462#comment-8911 The most important statistic is contained in customer satisfaction surveys, which show that the overwhelming majority of payday loan borrowers consider the loans to be a useful financial service. See <a href="http://www.cfsa.net/customer_demand.html">http://www.cfsa.net/customer_demand.html</a><br><br>That tells you a lot more than the APR or statistics on how often people use the service. If someone uses the service frequently that doesn't mean he has been preyed on, as the critics claim, it could just mean he is having a hard time making ends meet and uses payday loans frequently to save money on bank overdraft and other late-payment fees which can have an APR 20 times higher. See <a href="http://www.cfsa.net/OverdraftProtection.html">http://www.cfsa.net/OverdraftProtection.html</a><br><br>The customer satisfaction surveys sure seem to indicate the latter. The most important statistic is contained in customer satisfaction surveys, which show that the overwhelming majority of payday loan borrowers consider the loans to be a useful financial service. See http://www.cfsa.net/customer_demand.html

That tells you a lot more than the APR or statistics on how often people use the service. If someone uses the service frequently that doesn't mean he has been preyed on, as the critics claim, it could just mean he is having a hard time making ends meet and uses payday loans frequently to save money on bank overdraft and other late-payment fees which can have an APR 20 times higher. See http://www.cfsa.net/OverdraftProtection.html

The customer satisfaction surveys sure seem to indicate the latter.

]]> By: Glenn http://iowaindependent.com/3462/no-credit-no-collateral-no-problem/comment-page-1#comment-6101 Glenn Wed, 06 Aug 2008 15:48:48 +0000 http://iowaindependent.com/?p=3462#comment-6101 Two things: 1. Ian - I think your crime concern is valid. When denied credit pawn shops are an option of last resort. When you run out of items to pawn what do you do? Steal items to pawn is an obvious "solution". Most payday loan customers are honest people who would never commit a crime - but when they find their backs against the wall committing an act they would never normally do may be a irresistible temptation. 2. I would like to see the methodology behind the Iowa Division of Bank’s study. In my store we have a very high number of customers who take out one loan and never reborrow – or only borrow a few times per year. Were these “inactive” customers counted In the stats? I suspect doing so would greatly change the result. My second question is if so many people are taking out a large number of loans per year why don’t they simply ask for an extended repayment plan? Based on my intuitive sense of the market these numbers do not sound reasonable. Two things:
1. Ian – I think your crime concern is valid. When denied credit pawn shops are an option of last resort. When you run out of items to pawn what do you do? Steal items to pawn is an obvious “solution”. Most payday loan customers are honest people who would never commit a crime – but when they find their backs against the wall committing an act they would never normally do may be a irresistible temptation.

2. I would like to see the methodology behind the Iowa Division of Bank’s study. In my store we have a very high number of customers who take out one loan and never reborrow – or only borrow a few times per year. Were these “inactive” customers counted In the stats? I suspect doing so would greatly change the result. My second question is if so many people are taking out a large number of loans per year why don’t they simply ask for an extended repayment plan? Based on my intuitive sense of the market these numbers do not sound reasonable.

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