Amazigh tattoo services – Liby Amazigh Mon, 26 Sep 2022 11:23:00 +0000 en-US hourly 1 Amazigh tattoo services – Liby Amazigh 32 32 Payday Loans Market Outlook 2022 Analysis By Major Key Players | Creditstar, loan flow Mon, 26 Sep 2022 11:23:00 +0000

Loan market

OREGAON, PORTLAND, USA, Sept. 26, 2022 / — According to the report published by Allied Market Research titled “Payday Loans Market by Type (Storefront Payday Loans and Online Payday Loans), state Civil (Married, Single, and Others) and Client Age (Under 21, 21-30, 31-40, 41-50, and Over 50): Global Opportunity Analysis and Industry Forecast, 2021- 2030 »


The report will help leaders:
• Understand the dynamics of the market as a whole
• Inspect and review the competitive scenario and future market landscape with the help of different restraints including Porter’s five forces
• Understand the impact of different government regulations throughout the global health crisis and assess the state of the payday loan market during these challenging times
• Consider the portfolios of functional protruding players in the market in conjunction with the in-depth study of their products/services
• Have a compact idea of ​​the most revenue-generating segment

Key segmentation
• By type
o Storefront Payday Loans
o Online payday loans

• By marital status
o Married
o Others

• By customer age
o Under 21
o 21 to 30
o 31 to 40
o 41 to 50
o More than 50

Market Dynamics-
The dynamics of the Payday Loans Market report provides extensive information about the factors that have a negative and positive impact on the market. Additionally, this section offsets segments such as major investment pockets, positioning of key players, market drivers, restraining factors, challenges, and opportunities. Additionally, parent/peer marketing forces are also included in the report to understand the impact of internal and external forces on the global payday loans market.

Interested stakeholders can inquire for the purchase of the report @

Covid-19 scenario:
• Manufacturing facilities in the sector have been temporarily shut down due to the implementation of global lockdown, unavailability of skilled labor, shortage of raw materials and supply chain disruption worldwide. Thus, the pandemic has had a negative impact on the growth of the global payday loans market
• Nevertheless, demand is expected to pick up during the post-lockdown as market players have adopted various rapid response strategies to stabilize the supply chain and ensure abundant raw material availability and seamless distribution.
The market is described to bring significant growth over the forecast period. Additionally, the report presents detailed statistics of drivers, restraints, and opportunities that directly impact the Payday Loans market. Further, the report focuses on assessing the market scope of four major regions including Asia-Pacific, Europe, North America, and LAMEA. In short, the market report is exclusively intended to assist readers with a comprehensive assessment of industry analysis and trends.

Regional analysis
Major Countries Covered in the Global Payday Loans Market include:-
• North America:- United States, Canada and Mexico
• Europe:- France, Spain, Italy, Russia, UK, Netherlands, Germany and rest of Europe
• Asia-Pacific: India, Japan, China, Australia, Singapore, South Korea and rest of Asia-Pacific
• LAMEA: Latin America, Africa and Middle East

Research Methodology
The Global Payday Loans Market research operations include significant primary and secondary research. Where the primary methodology encompasses a generalized discussion with a plethora of valued participants, the secondary research involves a substantial amount of product/service descriptions. Additionally, several government sites, industry bulletins, and press releases have also been properly reviewed to provide valuable industry insights.

This information also helps market players to take strategic decisions to stay competitive in the market, all along. Additionally, the report also provides key market players who rule the market. The report provides the SWOT analysis of key market players including Cashfloat, CashNetUSA, Creditstar, Lending Stream, Myjar, Silver Cloud Financial, Inc., Speedy Cash, THL Direct, Titlemax and TMG Loan Processing which gives the view of company-wide, financial analysis and product and service portfolio analysis.

Request Customization with Detailed Analysis of COVID-19 Impact in Report @

Key takeaways from the report
• An explanatory portrait of the global personal loan market coupled with current drifts and future estimates to facilitate investment pockets
• Major revenue generating segment with regional trends and opportunities
• Qualitative assessment of market drivers, challenges, opportunities and trends
• Govern development procedures and trends
• Company portfolios with their investment plans and financial specifics
• Assessment of recent policies and developments and their impact on the payday loan market

About Us:
Allied Market Research (AMR) is a full-service market research and business consulting division of Allied Analytics LLP based in Portland, Oregon. Allied Market Research provides global corporations as well as small and medium enterprises with unparalleled quality of “Market Research Reports” and “Business Intelligence Solutions”. AMR has a focused vision to provide business insights and advice to help its clients make strategic business decisions and achieve sustainable growth in their respective market area.

Pawan Kumar, CEO of Allied Market Research, leads the organization in delivering high quality data and insights. We maintain professional relationships with various companies which helps us to extract market data which helps us to generate accurate research data tables and confirm the utmost accuracy of our market predictions. All data presented in the reports we publish are drawn from primary interviews with senior managers of large companies in the relevant field. Our secondary data sourcing methodology includes extensive online and offline research and discussions with knowledgeable industry professionals and analysts.

David Correa
Allied Analytics LLP
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The State of Finances, Debt in Rural Appalachia Sat, 24 Sep 2022 21:33:11 +0000

WASHINGTON, DC – The Consumer Financial Protection Bureau (CFPB) released a report that details financial issues in rural Appalachia.

“The Appalachian region of our country faces challenges distinct from those in other parts of rural America,” CFPB Director Rohit Chopra said. “Rural America plays a central role in our nation’s food security and national security, so we must work to ensure the financial market can help families survive and thrive.”

According to the CFPB report, Consumer Finances in Rural Appalachia, more than 2 million Appalachia live in persistent poverty counties (PPCs), counties that have had poverty rates of 20% or more for the past 30 years. . PPC consumers often face higher interest rates and fewer financial offers due to increased credit risk in the county.

The report’s findings include:

  • Only 71% of rural Appalachians and 63% of rural Appalachians living in PPCs have an active credit card, compared to 80% of consumers nationally. Consumers who don’t have access to credit cards often have to turn to more expensive credit alternatives, such as payday loans and pawnbrokers.
  • The median of student loan balances as a percentage of annual household income is 41% for rural Appalachia, compared to 32% nationally. Auto loan balances make up 31% of annual household income in rural Appalachia, compared to 21% nationally.
  • Mortgage application denial rates in rural Appalachia (21%) were nearly double the rate of mortgage applications nationwide (11%). For rural Appalachian PPCs, refusal rates were 35%.
  • Rural Appalachia suffered higher home loan interest rates for home purchases in 2021 compared to the country. The national average was 3.13%, while rural Appalachia had an average rate of 3.41%. Rural Appalachian CFCs had average rates of nearly 4% (3.86).

Comparing West Virginia with the rest of the nation, the report found that:

  • The median for student loan balances as a percentage of annual household income in rural Appalachia in West Virginia was 39%, compared to 38% for the state as a whole and the national median of 32%.
  • 23% of consumers in rural Appalachia in West Virginia had a mortgage, compared to an average of 25% for the state and 29% for the national average.
  • 69% of consumers in rural Appalachia in West Virginia had a credit card, with a median balance of $999. In comparison, 72% of consumers in West Virginia had a credit card with a median balance of $1,021, while the national average was 80% with a credit card with a median balance of $1,207.
  • 29% of rural consumers in Appalachia in West Virginia had medical debt collection, compared to 30% for the state as a whole and only 17% for the national average.
  • 34% of rural consumers in Appalachia in West Virginia had a subprime or deep subprime credit profile, while the state as a whole had 33% of consumers with similar credit profiles. The national average for both categories was 25%.

The report also found that more rural Appalachia has medical debt in collections than the rest of the nation. And those with medical debt collections tend to have more than double delinquency rates for other credit products, such as unpaid credit card and student loan default

Ron DeSantis and Greg Abbott among 22 GOP governors calling on Biden to drop student loan forgiveness plan Tue, 13 Sep 2022 17:58:55 +0000

Ron DeSantis, President Joe Biden

Tristan Wheelock/Bloomberg/Getty Images; Kevin Dietsch/Getty

Twenty-two Republican governors on Monday sent a letter to President Joe Biden urging him to withdraw his student loan forgiveness plan.

In the document, obtained by Business Insider via the Republican Governors’ Association, the governors, including Ron DeSantis of Florida and Greg Abbott of Texas, say Biden’s plan ‘rewards the rich and punishes the poor’ and should not be pushed. further away.

“As governors, we support making higher education more affordable and accessible to students in our states, but we fundamentally oppose your plan to force American taxpayers to pay off student loan debt from a elite,” the letter wrote, adding that the cost of the plan will be “a price the people of our states cannot afford.”

The letter added, “Shifting the burden of debt from the wealthy to working Americans has a regressive impact that hurts low-income families.”

RELATED: White House Says Biden’s Targeted Student Debt Relief Will Let Millions ‘Live the Middle Class Life’

“College may not be the right decision for all Americans, but for students who took out loans, it was their decision: capable adults and willing borrowers who knowingly agreed to the terms of the loan and agreed to go into debt in exchange for taking classes,” the governors continued.

“A high-cost degree is not the key to unlocking the American dream — hard work and personal responsibility are,” the letter read. “For many borrowers, they’ve worked hard, made sacrifices, and paid off their debt. For many others, they’ve chosen hard work and a paycheck over more education and a loan. Americans who don’t ‘have not chosen to take out student loans themselves should certainly not be obligated to pay the student loans of others.

“Even economists in your own party oppose your plan to increase demand and increase inflation,” they claimed. “Rather than tackling rising tuition fees for higher education or working to lower interest rates for student loans, your plan kicks things off and compounds today’s problems. today for the students of tomorrow.”

RELATED: Elizabeth Warren Explains How Student Loan Forgiveness Will Really Happen Struggle Inflation as Americans escape ‘debt hell’

The letter ended with the governors declaring that Biden lacks “the authority to exercise unilateral action to usher in a broad plan to cancel student loans.”

Governors involved in drafting the letter have signed their names below the text. Governors were Abbott, DeSantis, Kim Reynolds (Iowa), Doug Ducey (Arizona), Brian Kemp (Georgia), Mike Parson (Missouri), Chris Sununu (New Hampshire), Kevin Stitt (Oklahoma), Bill Lee (Tennessee), Mark Gordon (Wyoming), Kay Ivey (Alabama), Asa Hutchinson (Arkansas), Brad Little (Idaho), Greg Gianforte (Montana), Doug Burgum (North Dakota), Henry McMaster (South Carolina), Mike Dunleavy (Alaska ), Larry Hogan (Maryland), Pete Ricketts (Nebraska), Mike DeWine (Ohio), Kristi Noem (South Dakota) and Spencer Cox (Utah).

RELATED VIDEO: Biden administration to forgive up to $20,000 in student debt for borrowers based on income and type of grant

Last month, Biden announced that non-Pell Grant borrowers would see up to $10,000 in student loan debt forgiven if they earned less than $125,000 a year. Pell Grant recipients are eligible for a waiver of up to $20,000 if they meet the same income requirements.

Married couples must earn less than $250,000 per year combined to qualify for loan forgiveness.

In announcing his plan, Biden also extended the student loan payment pause one last time through the end of the year, sharing that borrowers should expect to resume payments in January 2023.

$10,000 to $20,000 is a far cry from the $50,000 forgiveness — or full cancellation — some were calling for, but a win for Americans nonetheless, as millions have struggled to pay their bills, even in light of the student loan pause that began in March. 2020.

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The idea of ​​only offering student loan forgiveness to borrowers below a certain income level seems to try to make the plan fairer by ensuring that limited funding goes to those who need it most. – although anyone who exceeds the maximum salary threshold is certainly unhappy. Offering a larger amount to Pell Grant recipients is another way the Biden administration is targeting those with greater financial need.

Canceling student loans was a major talking point among Democrats in the 2020 presidential primary, and following up on some form of debt cancellation was seen as a critical step Biden needs to take to help reinvigorate young voters ahead of midterms and keep Democrats in check. of Congress.

Now, Democrats will have to wait and see if Biden’s choice to offer just $10 or $20,000 in forgiveness — a number well below the national average for student debt — will be enough to drive down voter turnout.

Better Business Bureau study: COVID-19 struggles have created a ‘fertile environment’ for scammers Thu, 01 Sep 2022 19:38:53 +0000

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best business officeAs consumers lost their jobs and struggled to make ends meet during the COVID-19 pandemic, many turned to payday loans and other short-term solutions. This not only allowed predatory lenders to thrive, but also created a fertile environment for scammers, according to a new in-depth investigation by the Better Business Bureau.

From 2019 to July 2022, BBB received nearly 3,000 customer complaints about payday loan companies, with a disputed dollar amount of nearly $3 million. In addition, over 117,000 complaints have been filed against debt collection companies at BBB.

Complainants often said they felt ill-informed about the terms of their loans. Many fall into what consumer advocates call a “debt trap” of racking up interest and fees that can force customers to pay double the amount originally borrowed.

The scammers haven’t missed an opportunity to take advantage of consumers either, with BBB Scam Tracker receiving over 7,000 reports of loan and debt collection scams representing around $4.1 million in losses. Posing as payday loan companies and debt collectors, scammers use stolen information to trick consumers into handing over banking information and cash.

A Patrick County victim learned that if she sent hundreds of dollars in gift cards, her credit rating would go up so she could apply for a loan. Then, after the victim gave the scammers their bank account information to deposit the loan, they discovered their account and scammed them out of $10,000.

Regulators at the federal level have passed tougher laws to combat predatory lending, but those regulations have been rolled back in recent years, leaving states to set their own rules on interest rate caps and other aspects of lending. on salary.

Starting in 2021, Virginia passed new payday loan laws that offer lower-cost loans and introduced more competition for incumbent lenders who had to update their policies instead of reforms, according to Pew. Charterable Trust. Lenders can also do business online or in person and offer several types of loans and financial services.

The BBB study advises consumers to thoroughly research all of their borrowing options — as well as the terms of a payday loan — before signing anything for a short-term loan.

The study also includes recommendations for regulators:

  • Cap consumer loans at 36%
  • Educate more people about no-cost extended repayment plans
  • Require lenders to test whether consumers can repay their loans
  • Require Zelle, Venmo, and other payment services to offer refunds for fraud

To report a payday loan scam or file a complaint, visit

Find more information about this study and other BBB scam studies at

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Best Emergency Loans of September 2022 – Forbes Advisor Thu, 01 Sep 2022 18:29:00 +0000

Although you can get an emergency loan from your credit card issuer or a payday lender, we recommend getting a traditional unsecured personal loan from a bank, co-op credit or an online lender.


If you have a traditional bank account at a physical institution, you may be lucky to get a personal loan from there as well.

Banks have different processing methods compared to other lenders. For example, many banks have higher credit scores or income requirements before you can qualify for a personal loan. And you may not get the money as quickly as you need it, so check how long it takes for the funds to be deposited in your account before applying.

credit unions

If you have a cash account instead of a bank account, you can get an emergency loan from a credit union. Credit unions are community-based and friendlier to borrowers with fair and poor credit.

Credit union emergency loans vary in amount, but many offer alternative payday loans between $200 and $1,000. Keep in mind, however, that some credit unions only lend to their members or to people who have been members for a while. If you don’t meet these conditions or need to borrow more, you may want to explore other options.

Online lenders

Online lenders offer a wide variety of emergency loans, and most don’t require you to be a member or have a checking account. Plus, many offer prequalification options so you can see if you’re qualified to borrow an emergency loan before you apply. This can help you avoid a rigorous credit check which can negatively impact your credit.

While you may not feel comfortable taking out a personal loan from an online lender, keep in mind that many traditional banks also offer online applications and processing. Just make sure it’s a reputable online lender with a secure website and a solid offer.

CASEY: Consumer lawyer warns of ‘zombie second mortgages’ | Local News Thu, 25 Aug 2022 01:30:00 +0000

One Virginia attorney I’m trying to keep tabs on is Kristi Cahoon Kelly, a consumer protection attorney based in Northern Virginia. In 2014, I wrote a story about how she helped a Pittsylvania County landlord, Carrie Arthur, fight a foreclosure on a $130,000 mortgage.

After his mortgage lender illegally trashed Arthur’s credit rating, Kelly sued the bank on Arthur’s behalf. This resulted in an undisclosed settlement. And as a result, Arthur ended up owing zero on his home loan. Instead, the bank erased him from real estate records as “satisfied” in a document he filed in the Pittsylvania courthouse.

Last week, Kelly made headlines again. She was part of a team of attorneys who successfully concluded a series of consumer fraud lawsuits against certain payday lenders who illegally overcharged consumer interests. In all cases, total settlements exceeded $1 billion.

People also read…

I sent Kelly a brief note of congratulations. In response, she asked me if I had heard of “zombie second mortgages”. I did not have. Wednesday during a phone call she informed me.

Apparently, this is a new and growing area of ​​consumer law. It stems from the housing bubble that preceded the 2008 financial crisis. And in the most severe cases, it can lead to homeowners being evicted from their homes and losing all the equity in them.

In the early 2000s, if you recall, house prices were skyrocketing and lending regulations were loose. Some lenders have issued subprime loans without verifying borrowers’ income. Some people have had success borrowing money on behalf of their pets. Other mortgages had only interest payments.

And some borrowers have taken out two mortgages on the purchase of a home, rather than one.

The first was a traditional mortgage, typically representing 80% of the home’s value. With the second mortgage, buyers also borrowed their down payment, usually 20% of the selling price.

When house prices crashed in 2008, many of these mortgage borrowers found themselves owing far more than the value of their homes — and out of a job during the Great Recession. Because of this, many have stopped payments on their second mortgages.

Meanwhile, many lenders, realizing there was no equity to seize via foreclosure, ceased their collection efforts as it was not worth their time or money. They wrote off those bad debts and, in some cases, sold the second mortgage debts for pennies on the dollar to debt collectors.

Now that house prices are on the rise again, there is sudden equity in some of these homes with old unpaid second mortgages. And debt collection companies resuscitate these loans and try to collect them.

That’s the nature of a “zombie second mortgage,” Kelly told me. It’s a home loan, often over a decade old, for which collection efforts had long since expired, suddenly brought back to life. And to which were added tens of thousands of dollars in late fees and retroactive interest.

“They’re looking for people who are current on their first mortgage, but have defaulted on their second. [mortgage]”, Kelly said. In cases where debt collectors can identify substantial equity in the property, “they go back and add interest and late fees retroactively.”

A decade of compound interest plus late fees can be a brutal financial shock.

In one case, a client Henrico of Kelly learned she owed $70,000 to a debt collector who had purchased a second mortgage for $33,000 that the woman had let expire in 2011. She had forgotten about it years later. early, after his lender suspended efforts to collect the debt.

In a second case, a debt collection company foreclosed on a disabled veteran’s second mortgage in Prince William County – years after he had paid off that debt through Chapter 7 bankruptcy.

Once the foreclosure of this second mortgage was completed, the debt collector paid off the first mortgage (on which the client was outstanding). At that time, collectors owned the house. They evicted Kelly’s client and sold him to a third party. The debt collectors walked away with $200,000 in equity that had accrued over the intervening years, Kelly said.

“They bought debt for pennies on the dollar,” Kelly told me. “Ten years later they tried to collect the debt.”

On behalf of these clients, Kelly is currently suing a California debt collector in federal court in the Eastern District of Virginia. It looks like this could be expanded to a class action lawsuit.

She said that under federal law, it is illegal for collectors to retroactively add interest and fees from previous years, if the original lender had not regularly notified the debtor that those fees were mounting. But many borrowers don’t understand this.

This same practice has occurred in at least 25 states other than Virginia, according to a database of complaints I reviewed at the federal Consumer Protection Bureau.

How big is the problem in West and Southwest Virginia? It’s hard to say. But if it happens in more populated parts of the Commonwealth, it seems only a matter of time before it shows up locally.

One of the local sources I checked with was Julie Wheeler, CEO of the Better Business Bureau of Western Virginia. She hadn’t heard of “zombie second mortgages.”

“We get a lot of calls and help people file regular zombie debt complaints,” Wheeler told me. “Zombie credit card debt has been a major problem for a long time.”

Another local source was Roanoke County Circuit Court Clerk Steve McGraw. He didn’t know the term either. After looking into the matter, McGraw called me back. He had a suggestion for consumers who have second mortgages years ago that they let expire.

McGraw stressed that he could not offer any legal advice, but could offer “procedural information” about deeds and mortgages filed at a local courthouse.

For people in this situation, McGraw’s suggestion is simple: Contact the lending institution that last serviced an expired second mortgage — before debt collectors get involved.

“Ask, ‘Do you want or have you discharged this debt?'” McGraw said. “If they do [file a lien release or certificate of satisfaction]you are protected.

He added that no landlord should be surprised if debt collectors suddenly contact them years later to get payments on an old debt, even after a lender had previously ceased collection efforts.

“Whether [the borrower] doesn’t have a certificate of satisfaction…that obligation is still there,” McGraw said. “I wouldn’t just let it float.”

9 Same Day Personal Loans | fox business Tue, 23 Aug 2022 19:47:01 +0000

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

If you need cash fast, check out these 9 lenders that offer same-day personal loans. (Shutterstock)

If you need cash fast, you have plenty of options without taking out a high-interest payday loan.

Some online personal lenders can send your loan funds the same or next business day. To get a personal loan the same dayall you have to do is make sure you qualify and submit an application to get funding fast.

If you need a same day loan, visit Credible for view your prequalified personal loan rates from various lenders, all in one place.

9 Same Day Personal Loans

Same day personal loans are loans that a lender can process and fund the same day you are approved. Many banks, online lenders, and credit unions offer same-day personal loans.

These nine Credible partner lenders offer personal loans with same-day or next-day financing:


Avant offers debt consolidation, installment, emergency and home improvement loans with repayment terms of two to five years.

  • Loan amounts: $2,000 to $35,000
  • Minimum credit score: 550
  • Funding time: Next business day (if approved before 4:30 p.m. central time on a weekday)

Axos Bank

Axos Bank offers personal loans with repayment terms of three to six years and some of the best rates in the industry for borrowers with excellent credit.

  • Amount of the loan: $10,000 to $50,000
  • Minimum credit score: 700
  • Funding time: Next business day

best egg

Best Egg is an online loan marketplace that provides quotes from a large network of secured and unsecured lenders. Its loans have repayment terms of two to five years.

  • Amount of the loan: $2,000 to $50,000
  • Minimum credit score: 600
  • Funding time: 1-3 working days after successful verification


Discover has personal loans with terms ranging from three to seven years and no origination fees. You can lock a competition interest rate, depending on your credit.

  • Amount of the loan: $2,500 to $35,000
  • Minimum credit score: 660
  • Funding time: Business day following acceptance


LendingPoint uses technology to improve people‘s lending experience, despite their credit score. Its loans have repayment terms of two to six years and are available in all states except Nevada and West Virginia.

  • Amount of the loan: $2,000 to $36,500
  • Minimum credit score: 580
  • Funding time: Next business day


LightStream, the online lending division of Truist Bank, offers personal loans of up to $100,000 with repayment terms of two to seven years (12 years for home improvement loans). LightStream also guarantees that you will have the best loan experience or they will pay you $100 cash.

  • Amount of the loan: $5,000 to $100,000
  • Minimum credit score: 660
  • Funding time: Same business day

OneMain Financial

You can use a OneMain Financial personal loan for many purposes, including debt consolidation. Repayment terms vary from two to five years. Its rates are higher than other lenders, but it also accepts lower credit scores.

  • Amount of the loan: $1,500 to $20,000
  • Minimum credit score: None
  • Funding time: Same day if you go to a local branch


Upgrade offers fixed rate personal loans for refinancing credit card debt, consolidation, home improvement and other major purchases. Repayment terms vary from two to six years.

  • Loan amounts: $1,000 to $50,000
  • Minimum credit score: 560
  • Funding time: Within one day after completing the necessary checks


Upstart has flexible personal loan amounts with no prepayment fees and terms ranging from three to five years. The lender claims that 99% of approved loan applications are funded the next business day.

  • Loan amounts: $1,000 to $50,000
  • Minimum credit score: 580
  • Funding time: One business day

Head to Credible for compare personal loan rates from these and other lenders without affecting your credit score.

How to Apply for a Same Day Loan

Applying for a same day loan is now easier than ever. Follow these steps to apply for a same day loan:

  1. Check your credit score. Start by checking your credit score to see where you stand. Verify that all information on your credit report is accurate and ensure that all of your accounts have up-to-date balances. Depending on where you check your credit score, you may even receive advice on how to raise your score.
  2. Get prequalified. Many lenders allow you to prequalify online by completing a short form that takes less than five minutes. This saves time during the application process and also allows you to view loan offers and rates you may qualify for.
  3. Select a loan offer. Review your loan offers and terms to see what best suits your needs. Consider factors such as the interest rate, repayment term, maximum borrowing limit, as well as any limitations on the use of the loan. If you are looking for a same day personal loan, you will also need to confirm how soon you will be able to obtain the funds.
  4. Apply. Once you have selected a loan offer, you submit a formal application. Some lenders allow you to apply entirely online, while others may require you to visit a local branch to complete your application. You will need to include detailed information about your employment, bank details and other debts. You may need to submit additional documents to verify your information, such as pay stubs, bank statements, or proof of residency like your ID card. The lender will also check your credit with a firm credit application, which may temporarily lower your score by a few points.
  5. Receive loan funds. If you are approved for a same day personal loan, the lender will send you a loan agreement to sign. Once you sign up, you can receive your loan funds that day or the next business day depending on the lender, usually by direct deposit to your bank account.

If you’re ready to apply for a loan, Credible makes it quick and easy compare personal loan rates so you can find the one that best suits your needs.

Same Day Loans vs Payday Loans

Although both types of loans offer quick funding, same-day loans are very different from payday loans.

Payday loans

Payday loans are small, short-term loans that you usually have to pay off before your next payday. These loans tend to have higher fees and interest rates that can equate to an annual percentage rate (APR) as high as 400%, according to the Consumer Financial Protection Bureau. This makes them very expensive to manage and you should avoid them if possible.

The payday loan amounts are low since the repayment terms are short. Some states have capped fees and interest rates for payday loans, while others have completely banned this type of loan.

When you apply for a payday loan, you can qualify with a lower credit score and get your funds fast. But you run the risk of not being able to afford to repay the loan given the high fees and interest. Another downside is that the maximum loan amounts are lower than same day personal loans.

Same Day Personal Loans

Same-day personal loans have higher loan amounts, lower interest rates, and more flexible repayment schedules.

You can also shop around with different lenders to ensure you get the best loan terms for your situation. Even if you have bad creditMany lenders specialize in bad loans. Your rate will be higher than someone with good credit, but it will still be much lower than the rate you would get on a payday loan.

Reputable online lenders can release your funds as fast as the same day, so you’ll always get the money you need fast with a flexible repayment schedule.

The madness of trying to remove Thomas Jefferson from the University of Virginia Mon, 22 Aug 2022 07:00:00 +0000
(© David Matthew Lyons –

The student newspaper at my alma mater, the University of Virginia, wants the school to distance itself from its founder, Thomas Jefferson, by removing his name from buildings and memorials dedicated to him from the grounds.

“There’s a reason the local Charlottesville Klu Klux Klan chapter held its dedication ceremony at Jefferson’s Monticello Tomb. There’s a reason white supremacists gathered with torches around the statue of Jefferson on the north side of the Rotunda. There’s a reason they felt comfortable walking Grounds,” the editorial board said. The Daily Rider wrote in an August 11 op-ed.

My best personal analogy to this would be for me to take a stand to distance myself from the most important person in my life to me growing up – my grandmother.

Granny, as the grandchildren knew her, was born in 1924, almost a century ago now, in Augusta County.

According to family tradition, she met my grandfather, originally from Pennsylvania, at a ball held at the PX in Aberdeen Arsenal at the start of World War II.

Predictably, whenever she got mad at him, she called him a “fucking Yankee.”

And when she gave people directions to their homes on New Hope Road in Staunton, she told them to “turn to Yankee Cemetery.”

That stuff was endearing, but it wasn’t all cute and cuddly.

Granny was a great George Wallace in the 1960s.

Yeah, this George Wallace.

The “segregation now, segregation tomorrow, segregation forever” guy.

She campaigned for him door-to-door, so, ugh, at this level.

It’s the same lady who is the reason I think the way I do about civil rights.

My grandmother worked at Western State Hospital for 25 years and I remember going with her to summer picnics and Christmas parties.

His colleagues ran the gamut in terms of background – Black, Asian, Latino.

They were all friends, stopping in for a glass of tea or dinner on the weekends when I spent the night there.

I vividly remember a Christmas party in Western State, when I was four, I won a cake walk, everyone in the room pointing and laughing because I had won, mine being the only white face in the room.

Weekends at Granny’s were the reason I grew up wanting to be a civil rights attorney and why when I decided law wasn’t for me I changed direction to become journalist writing about politics and society, with a focus on equal rights for people across racial, gender and sexual orientation lines being paramount.

I had no right to expect to be able to do anything meaningful.

I grew up in a trailer park and eventually learned that I was on the other side of the tracks.

The reason I trusted myself to be able to overcome my upbringing and make something of myself was that feisty little woman I knew as Grandma, who often told me that “you never leave, no one ever thinks he’s better than you, but you don’t think you’re better than anyone else either.

If I had to be of the mindset of the children on the editorial board of The Daily Rider about Thomas Jefferson, I’d look at my grandma and say, OK, yeah, she did a lot of good things, but, I mean, she tried to get a segregationist president elected, and who knows what? else, so maybe I should stop telling stories about his good deeds, that’s just whitewashing the story.

Me, I like to think that my grandmother, if she was born later, grew up in a different environment, would be an even better version of me than me.

I think the same of Thomas Jefferson.

Look, he owned slaves, could have freed them, didn’t – could have done things to end slavery on a much larger, societal scale, didn’t.

He also played many key roles in helping America grow from where it was to where it is today.

I can’t think, if he were alive today, that the guy who wrote that “all men are created equal” 246 years ago would be the kind of guy the KKK and neo-Nazis hang around. would rally, and I think the kids at the Daily Cav show their youthful ignorance by insisting otherwise.

We are all products of our time, and I say this here at the end to remind people who agree with the Daily Cav Jefferson’s interpretation that in a generation or two there will be things you say and do today that you will look back on and say, wow, that was, fill in the blank, racist, classist, misogynist, no matter.

If you want to cancel Thomas Jefferson, cancel my grandmother, whatever, it’s going to come back to you.

Bank of America Balance Assist Lender Review 2022 | American News Thu, 18 Aug 2022 07:00:00 +0000

Bank of America offers Balance Assist to help Bank of America customers manage their short-term cash needs at a lower cost. Customers who meet the bank’s criteria can apply to borrow up to $500 and only pay $5 in fees.

The program could be used to cover an unexpected expense or any other short-term financial need. This type of short-term loan can be an alternative to a payday loan.

Balance Assist allows eligible Bank of America customers to borrow in $100 increments, up to $500. You will complete an online loan application, and if approved, you should receive your funds within minutes.

Every time you borrow money, you pay a flat fee of $5. You then repay your loan and fees in three equal installments over three months.

Bank of America offers this repayment example: If you took out a Balance Assist loan of $100, you would owe a total of $105 and pay $35 at 30, 60, and 90 days after borrowing.

You’ll pay a $5 fee every time you borrow through Balance Assist, but there’s no additional cost to take out a loan. Bank of America says this fee translates to an annual percentage rate of between 5.99% and 29.76%, depending on how much you borrow. In contrast, payday loans often come with an APR of 400% or more, plus finance charges.

Borrowers repay their loans in three equal installments over three months, and there are no late fees. Bank of America does not charge overdraft or insufficient funds fees for payments returned by Balance Assist.

Note that overdraft protection will be disabled for the account receiving the Balance Assist funds, and this setting cannot be changed until 10 business days after paying off your Balance Assist loan. However, your account may still be overdrawn and you may incur a $35 returned item fee for each declined or unpaid transaction.

Bank of America does a credit check, but also considers your banking relationship if you have a thin credit history. You will also need to meet the program criteria:

  • You must be a resident of the United States or US territories and have a United States address listed with Bank of America.
  • You must have a qualified Bank of America checking account into which you have made regular monthly deposits for at least one year. SafeBalance accounts are not eligible.
  • You must maintain a positive balance on all Bank of America checking accounts.
  • You cannot have a Balance Assist loan open or a loan within the last 30 days. You are also not eligible if you have opened six Balance Assistance Loans in the past 12 months.

Bank of America does not mention a minimum credit score to qualify for Balance Assist, but a credit check is part of the eligibility assessment. If your credit history is limited, your relationship with Bank of America will be considered in the approval decision.

Balance Assist is available to eligible Bank of America customers nationwide.

Bank of America, based in Charlotte, North Carolina, is one of the largest banks in the United States and has received an A+ rating from the Better Business Bureau. Trustpilot scores 1.4 out of 5 stars for Bank of America based on over 1,100 reviews.

In 2021, the Consumer Financial Protection Bureau received 71 personal loan complaints about Bank of America. The complaints related to topics such as obtaining a line of credit and completing the loan repayment process. The company provided a prompt response to 65 of the complaints and closed 57 with an explanation, 11 with a monetary remedy and three with a non-monetary remedy.

Customers can call the bank at 800-432-1000 from 8 a.m. to 11 p.m. Eastern Time, Monday through Friday and from 8 a.m. to 8 p.m. Eastern Time, Saturday and Sunday. It is also possible to book an appointment with a Bank of America specialist, or users can reach out via the bank’s Facebook page or by tweeting @BofA_Help.

Balance Assist has an online application. Once you are logged into your Bank of America account, you begin the application process from the website. If your application is approved, loan funds can be advanced to your account within minutes.

  • People who have an eligible Bank of America checking account.
  • People who need funding up to $500.
  • People who want quick financing for a relatively low cost.

]]> Popular Fast-Casual Restaurant Honeygrow Partners with DailyPay to Boost Employee Hiring and Seniority Wed, 17 Aug 2022 14:05:00 +0000


In an effort to provide its employees with financial wellness tools, honeygrow implements popular pay-as-you-go benefits

honeygrow, the fast-casual concept based in Philadelphia, is partnering with DailyPay, the leader in on-demand payment. Thanks to this partnership, employees of the Honeygrow restaurant can now access their salary after completing a shift. Ultimately, the DailyPay benefit allows employees to access their pay as they earn it, eliminating the need for payday loans and overdraft fees as they can pay bills , save, spend or invest on their own schedules.

“Customers have many choices in the QSR and fast casual space. The strength of a restaurant’s employees is a primary differentiator when making this choice,” said Justin Rosenberg, founder and CEO of honeygrow. “We want our team to be happy and ready for success. As we saw people reacting positively to the idea of ​​pay-as-you-go, DailyPay just made sense. »

Founded in Philadelphia, PA, honeygrow is an emerging, casual restaurant with 29 locations in Delaware, Maryland, Massachusetts, New Jersey, New York, Pennsylvania and Virginia. The company will use DailyPay as a financial wellness benefit for its employees. With DailyPay, honeygrow employees will be in control of their financial health. A survey conducted by DailyPay found that 85% of those who use a daily allowance say it helps them budget and pay big monthly bills like rent, utilities and car payments.

honeygrow is one of the latest QSRs to implement DailyPay. By doing so, honeygrow can stay competitive by attracting and retaining qualified talent. DailyPay’s survey found that employers who offer on-demand compensation through DailyPay are able to recruit and fill vacancies in half the time (52%). The survey also found that 74% of DailyPay users say having access to their earned income has helped reduce their financial stress, making them more productive at work.



honeygrow is on a mission to bring people together through healthy, simple food. Founded in 2012, the Philadelphia-based company specializes in mouth-watering and customizable stir-fries, salads and honey bars. Using only the highest quality foods, honeygrow offers a robust variety of nutritional options for customers across a wide range of lifestyles. honeygrow currently has 29 locations in the northeast. For more information about honeygrow, visit and follow honeygrow on Facebook, Instagram and Twitter.

Daily Pay

DailyPay, Inc., powered by its cutting-edge technology platform, is on a mission to build a new financial system. Partnered with top US employers, including Dollar Tree and Adecco, DailyPay is the recognized leader in on-demand payment. With its vast data network, proprietary funding model and connections to over 6,000 banking system endpoints, DailyPay ensures that money is always in the right place at the right time for employers, merchants and financial institutions. DailyPay develops the technology and the mindset to reinvent the way money moves, from the start of work. DailyPay is headquartered in New York with operations based in Minneapolis. For more information, visit