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Bringing Cash Loans Back to Arkansas

It’s been tough to get a cash loan in Arkansas for several years now, thanks to a lawsuit from a state representative against lenders who wanted to charge more than the state-capped 17% interest rate for bad credit cash loans. The cash lenders lost the suit and were soon run out of business by the strict state interest rate cap. Some newly proposed legislation could change all of that, allowing lenders who offer short-term loans under $5,000 to charge a higher interest rate to compensate for their lending risk.

People who need emergency cash in Arkansas have few options to get the help they need. Without good enough credit, their options are limited to overdrawing their bank account (for a hefty fee), maxing out an existing credit card (for another hefty fee and more damage to their credit score), or paying their rent or bills late (and facing eviction or service shut offs). And what about when emergencies happen? Either go without transportation or ignore a medical problem or overdraw your bank account to cover the big expenses.

Up until a few years ago, Arkansas cash lenders provided a valuable service to the people who needed them. Now it looks like cash lenders may be able to re-open their businesses thanks to newly proposed legislation. Under the new laws, interest rates might still be moderated, but short-term cash lenders will be allowed to charge higher interest rates on cash loans under $5,000 so they can keep their doors open and mitigate the risk of lending to consumers who may or may not be able to afford it. In this scenario, consumers are protected from loan-shark type lenders who would gouge them for interest rates while still having access to short-term cash when they need it.

If you agree that cash lenders should be allowed to help the people who need them in Arkansas, get involved by writing or calling your representatives. It’s important for your voice to be heard.

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Holiday Payday Loans

There’s a million good reasons to use an instant cash advance. Certain factors, such as their speed and convenience, give the process versatility that is unique to payday loans. Essentially, a payday loan can get you up to $1,000 sent directly to your bank account. That money can usually arrive within one hour. Once that.

A Payday Loan: How To Qualify

There are only a few requirements for receiving a payday loan. The reason for the simplified process is so that a payday lender can get you the money you need as quickly as possible. A payday loan can usually be wired to your bank account in one day, sometimes in as little as one hour..

The Truth About Cash Advances

For all the positives that payday loans can bring, there are many detractors who seem to think payday loans can be dangerous. The industry has grown by leaps and bounds within the last few years. This is due in large part to the bad economy, but all this growth has brought with it a lot.