Cash Me Happy
CashMeHappy.com is dedicated to safeguarding its consumer’s from malicious payday loan lenders who engage in illicit lending techniques. We equip consumers with the knowledge they need in order to make responsible and informed decisions.
CashMeHappy.com‘s practices and policies have always and will always conform to the regulations which have been set forth by the Fair Lending Laws like the Truth in Lending Act. Prior to a consumer assuming any obligation in order to initiate the lending process they should and will be presented in writing the exact fees, rates, charges and roll over charges in addition to other details about their loan. You can visit our Rates and Fees to find out about the current regulations and laws in your state.
According to the Dodd-Frank Wall Street Reform Act every lender which includes payday loan lenders need to engage in what it terms as “fair lending” practices. The Consumer Financial Protection Bureau has been tasked by this act to enforce fair lending rules and regulations.
We try to work with lenders that follow all the provisions of the stated Fair Debt Collection Practices Act which is enforced currently by the Federal Trade Commission. CashMeHappy.com is not the actual lender. CashMeHappy.com does not collect any debts from consumers. Every lender in our network is required to follow the following Statues which are:
Calling consumers on their telephone prior to 8 a.m. or post 9 p.m. Contacting their consumers via telephone with the malicious intent of harassing, or annoying or even using abusive language is prohibited Using misrepresentation and deception for debt collection Threatening with legal recourse even though no legal action is allowed If a lender is found to be violating any of the above FDCPA statues CashMeHappy.com will not hesitate to stop doing business with that company and file a report with the Federal Trade Commission.
CashMeHappy.com encourages lenders in its network to follow federal and state regulations. These often include the strict conformity with local laws in regards to their interest rates, maximum loan terms, rollover limits, fees, cool off periods in between loans, and much more.
Emergency is something that comes without any notification. With the current economy it is now impossible to have a salary that can last up to the next pay day. There are some urgent situations which require some immediate cash. This can be much worrying if you have not saved any money in your bank account. There is no need to worry anymore since it is fast to apply for a payday loan. What you need to know is what these loans are and how effective they are. It is therefore good to understand how they work and the expenses they attract among other details.
These loans are short term loans and appropriate for emergencies only. They are mostly suitable when you urgently need money to pay in a later date. In many cases payday loans are intended for emergencies and not for long term problems. The application process is very simple since all that is required is to fill out a form and wait for a while for verification. The process of acquiring payday loan is very efficient and very fast. It is even faster when applying online. Online application has made the loan product available to a larger population. Due to how fast the process is, the loan is also referred to as immediate loan, cash loan or an urgent loan.
For your application to go through, there are a few qualifications that you required to meet. The qualifications are straight forward giving you a high possibility of being granted the money you need. The normal things you may be required to fill in the application form should be accurate. Giving inaccurate information will make your application fail. Nationality, age, a secure job or a stable business are some of the qualifications that are checked on your application form. The requirements facilitate a smooth process when borrowing a loan. Other requirements that may be needed include credit score and other individual requirements. All the personal information given is secure and well protected and only used for intended purposes.
Applying for payday loans is very easy since they do not require a long process. This is the only type of loan that you can get within minutes after application. The process is very fast and even faster through online application. Applying the loan online is simple and very fast since you can apply at home. Online application has the loans easily accessible by many people. There is no paperwork such as faxing or scanning of documents during the process. Through online application it is even possible to submit your forms 24hrs a day and all days of the month. All you need is a computer or a laptop with internet connection.
Since the payday loan is mainly online, the steps to follow in the website are very simple. The websites have enough information about the loans and all terms and conditions can be viewed by anyone. This makes the process very fast. In the website you will also get a chance to speak to customer service agents. The customer service operates twenty four hours a day. This means you can send an email or call any time of the day. The response is always guaranteed and on time.
Many lenders do not require credit checks, this means you can even qualify even with a bad credit. Security is not required when applying for a payday loan. So if you fail to pay you cannot lose your car or your house. Payday loans are examples of unsecured loans with understandable repayment period. Many lenders give a repayment period of ten to fifteen days. This is a good period for any one to receive the next pay slip.
Understanding payday loans and how they work is important. This helps you make a good decision when applying for the loans. Since there are some circumstances that call for fast cash, it is good to have the information. There are some emergencies that cannot wait such as hospital bills and you may not have ready cash. It is in such emergency situations that payday loan comes in to help. If you are in need of payday loans go online to get more help.