Urgent! I need a payday loan now! Please help.

**Questions!I need advice on which company I should go with. I have a ton of emails but do not want to get a bad company to provide my note. I.E. Customer service. PDL Yes and Star cash, believe it or not, have a grea customer service team that trys to help you bring your loan current, Even after default. They wont approve me now because of the restraint to debit history. I need a new company.Im looking for a fast approval, like I can send the paperwork now and get it in my account today.That is priority number 1.And customer service is number 2.Please Help!

We advise people on how to get out of debt. Your looking to the wrong place for advise on which payday company to use.

I am sorry about your situation but we can not provide you a recommendation for a payday loan, besides, the companies you have named above aren't legal anywhere in the U.S., you have probably paid they WAY OVER the amount they should have received!

If you are dead set on obtaining a payday loan do NOT use online Internet payday lenders, you are risking having your identity stolen by doing so. Use a store front lender instead, but make sure you are going to be able to pay them off when the time comes due, otherwise you will be in deeper debt than you already are!

Any recomendations in NJ for something like that? Honestly I would do business with PDL Yes and Star cash again just because of there great phone customer service afterwards. I had a hard time reaching them at one point to schedule a payment so I was looking forward to there call. Maybe im jsut friendly on the phone and when talking to Humans they are happy to hear a friendly voice, IDK. But at least they worked things out.

PDL are stupid. But look at our economy. I am educated and mature. But its either I pay 105 bucks for a 90 dollar bill payment, that wont get sent anyway. harm to my credit history, as well as a 25 dollar fee for late payment from discover or pay 105 in interest fully disclosed to me for a 300 dollar PDL. I mean all of this going to hit the fan next week. I need to decide now.

Buzzette, I am trying to get out of debt advice. I am just trying to prevent it.Debt = $90Fees involved if I do nothing. $130 Cash owed + Negative Item on Credit Report.Looking for an alternative.I work. Make 1136 cash bi weekly.Have 7.37 in checking accountHave credit cards -> used for gas and holiday shopping. -> Maxed out ($1000)Have a credit card with low balance but get am awaiting the card to come in mail so cant take cash advance.Im stuck. What should I do?

I can't really think what else to add to Shazzers' advice; as far as I'm aware (others might want to correct me if I'm wrong), PDL's are illegal in New Jersey and I can't imagine you'd find any storefront PDLs' in the area and would wind up going ton an online PDL. And I'm sorry, but I can't think of anything good to say about any online PDLs; I'm sure if you do a search on this site, you'll find plenty of people with stories about the PDLs' you've named. We all do what we feel we have to do and I hope you can find a solution to your problem, but I'm not going to advise anyone to take out a PDL of any kind.

Pachacutec1. I understand where you are coming from. And thanks for your response. But I know some must be worse than others, and some may be better than others as far as customer service goes. The concept is a horrible idea, and Im not trying to get tied in with legal issues at this time, just trying to get it and pay it off asap.

well let me chime in by stating either pdl will not let you payoff.they will ignore any requests to pay the entire amount,and the headache the loan will cause will not be worth it.now please stop trying to get us to justify this.nobody is gonna give you the thumbs up here.you are wasting your time in that pursuit.so again please find another way.

Oh yeah, pdl''s are illegal in N.J., so there aren't any store front lenders, please do not resort to Internet loans, by doing so you are breaking the law too because of your payday loan laws!

There are installment loan companies out there that will lend to those with poor credit. Not to recommend any names but if you do a search on this site you will find what your looking for. Most of us have found ourselves in the same position as you. The only way to resolve it, is to close your bank account, and follow the advise of this forum. I did just that, I'm out from under all of the lenders and the only thing I'm subjected too is those threatening phone calls from those heavy Indian accent people that are bottom feeding scum. Hang in there, stay away from internet loans, as the hole you find yourself in will become bigger and deeper.

apparently some people refuse to see reality and will not change thir habits which brought them here to this site :/ anyway do as you please just stop making excuses for stupidity!

Having taken out payday loans and lived to regret it, all I can say is there is never anything bad enough to make me do it again! I would live in a box first. Take your stuff and pawn it, that will be better. At least then you only lose stuff you already own.

I need assist letter to have all my loan accumulated into one so I can pay one loan with 1 interesat rate,

I currently have 3 loans and this is really killing me with interests

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If I have paid off PDLs in the past (3) all online and verfied from here that they are illegal, can I get my interest paid back?

You can ask, but there's no guarantee they'll cooperate and, since they're illegal and likely located outside of the country, you have no way to force the issue.

I used Star Cash, and Paydayloan yes, are they operating in USA?

no they are not based in the US.

You are better off going to your financial institution and asking about overdraft protection. This would prevent you from the overdraft fees but cover your pending posts. You wont find a supporter for a PDL here. We are all trying to get out from under that!!

Hi all, and Happy Holidays!! I too, I am finding myself in trouble with pay day loans and will NEVER use them again! My question is about your reference to PayDayLoanYes, I had never signed a contract with them and they deposited the money in my account the day after I had signed for another loan. I keep asking them for the signed contract but they won't send it to me. And they are threatening to garnish my wages. Any advice?
Also my next question is that I have several that I can not pay off at once, I have worked out a payment plan with four of them already, I plan to pay them all back but won't have the money to start paying the others back until these four are paid. Any advice on how to do this? And will these companies actually take me to court?
Any advice is greatly appricated!

What state are you in?
Who are your loans through?
How much did you borrow and how much have you paid so far to each?
Were you loans obtained via the internet or at a storefront?

Regarding PDLY, they're illegal, period. They obtained your info from another illegal lender. They can send a phony wage assignment to your employer but WAs are voluntary so all you have to do is revoke it.

The most important thing and the FIRST thing you need to do is to close your bank account. Answer my questions and I can give you step by step advice on how to deal with each of your lenders. It's highly likely you have some illegal lenders and may not even owe them anymore money.

If someone can please help me!!! and try to answer my questions above. I am trying to work out a payment plan with paydayloan-yes people and they are ridiculous-they keep hanging up on me and yelling at me. I want to pay them the $350.00 they lent me but can not pay them right now. What can these people do to me??? They have made all sort of threats, also can do they report to the credit bureau????? feeling desperate!

Trouble, please supply us with answers to my questions above. There's really NOTHING they can do to you because they aren't even in this country and are operating illegally. Have you paid anything to them yet? And debits from your account? Don't let them get you flustered.

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i know its difficult to pay bills but try and work with whoever your bills are for. No good will come of more PDLs i have experience with star who put money into my account when i didnt even apply for a loan with them and i had to have them remove it again and it cost me overdraft fees. There is always a way round a situation but PDLs are not it. Most of us on here have had a long and unhappy time with these people.

Mrs Ruth SCAM MUCH!

mrs ruth went to deletedville.no worries