Internet payday loans – help in tricky times

If you’ve ever applied for a loan, you may have sometimes been appalled at the amount of paperwork that was generated and wondered just how many trees had to be cut down to make it all possible. Fortunately, internet payday loans are both more eco-friendly and also a lot faster.

What are internet payday loans?

It could be that you’re having one of those months. Suddenly you’re a little short of cash and payday is still a little way away.

A payday loan may be a solution. It is a fast cash injection that goes directly into your bank account based upon a simple online application (assuming the application is successful of course).

Typically on your next payday (or possibly the one after depending on the timings), the lender debits your bank account to recover the loan plus their agreed interest and other charges. The loan is then concluded and you have no residual debts.

All this can be done online and without the need to cut down half a forest for the paperwork!

Are they available to everyone?

While terms and conditions can vary among payday loan companies, typically anyone that’s over 18 is free to apply. For your application to be accepted, you’ll need to have a permanent job, receiving regular wages or salary and have an active USA bank account. You will also need a permanent USA address.

Contrary to what you may expect, a cash advance loan of this type might not demand an exemplary credit history. You’re borrowing less and for a very short period so some problems on your credit files may be acceptable.

Once you have successfully repaid your loan, you are free to apply for other loans in future months, though a good payday loan company will not lend to you on a regular basis, as this could be indicative of a debt problem. ‘Every now and then’ as opposed to ‘regularly’ is worth bearing in mind when thinking about payday loans.


The online application process for internet payday loans can be quickly completed and the money could be in your bank account within as little as two hours if your bank account can accept fast transfers, or the very next day if not. It might be worth finding out more.

Learn more here.

Who can use prepay cards?

Prepay cards are relative newcomers to the financial world. But they can be so useful that anyone looking for plastic, without the worry of running up debt, may wish to consider them. So who can use pre pay cards?

People with all kinds of credit histories

If you have a poor credit rating, prepay cards are typically still available for you to use. This is because no credit is offered on them. Instead, you pay your money onto the card before you spend it, so you do not need to worry about getting a bill or being landed with late payment charges.

Also, credit checks are usually not carried out when you apply for a card.

People of all ages

If you have a teenager who needs to learn about managing their money, a prepaid card could be ideal. You can load as much or as little money as you like onto the facility, and track your child’s spending, typically online or via SMS statements.

Not only will you know how much they are spending, but if the card is used in shops or online, you will know when and where the money is being spent.
As no credit is offered with prepaid cards, your son or daughter does not have to be 18 to have one.

People who want to travel

Pre pay cards can usually be used internationally to withdraw funds in different currencies, so they can come in handy if you are planning to go travelling. Always check with your card provider for details of the exchange rates that they offer, so you know what to expect when you make a withdrawal or purchase abroad.

People who want to manage their money

Some people find it easier to manage their money if they have a prepaid card for different areas of their expenditure. So you could have one for bills, one for household shopping and another for treats. This means that you have all the convenience of having a plastic card – ie not having to carry cash around and being able to buy online and over the phone – without the worry of overspending and attracting interest charges.

Hangin’ with Charlie

Our friend and comrade Charlie Barksdale has been through a lot of changes in recent months. Due to his medical condition, he has been moved to Autumn Winds Retirement Lodge in Schertz, Texas (San Antonio area).

To encourage his recovery, we are inviting visits from his friends. Sharing great memories, laughs, and conversation will help to accelerate Charlie’s recovery. “Hangin’ with Charlie” is a sincere effort to increase his continued improvement!

Please sign up to visit Charlie! If you are not able to visit, a Goodie Box is available at the VFW to drop off greeting cards, gifts, or a gift card (Hooter’s, Olive Garden, Chili’s, VISA/MC). Gift cards will help his daughter Terry bring Charlie his favorite takeout or personal items he needs.

Keeping the number of visitors to 2 or 3 individuals would prevent him from being overwhelmed, as he will want to have a good visit with everyone. The best time to visit on any day is 10am-7pm.

What are urgent payday loans?

Urgent payday loans are a form of short-term borrowing that may help you if you are unexpectedly short of money and need a small cash injection (say $100 – $250) until your next payday. There could be one of a many different reasons why you need an urgent payday loan:

-your car that you use for work needs urgent repairs
-your washing machine has broken down
-an opportunity has come up that you don’t want to miss (maybe a half price sofa or cheap holiday deal)
-for unexpected vets’ bills, etc

These are just a few of the example situations where applying for a short-term loan may ease financial worry and stress. If you are desperate for cash to see you through to your next payday, this may be a lifeline.

The difference between a conventional loan and a payday loan

One of the main advantages of the payday loan is of course the speed of which you may be able to get a cash advance loan. When you apply for a conventional loan there is typically a waiting period for approval and then, if you get approved, it could be several weeks before you receive the loan monies.

This does not happen with a typical payday loan. If you apply online and get approved (a decision is usually almost instant), you may have the money is a little as a couple of hours in some cases, or the very next day.

Lenders offering payday advance loans typically ask that you repay the borrowing (together with interest and any administration fees) in a lump sum on your next payday, or the one after that. This is different to a traditional loan, where you spread out the repayments over some months or even years.

Applying for a fast loan

If you meet the criteria set out by the lender, they typically pay the cash straight into your bank account on the same day, if your bank accepts immediate transfers. To be eligible to apply for a payday loan the lender typically asks that you work in full time employment and have a bank account registered in the USA. This account needs to have a debt card linked to it, as this is how the lender gets their money back on the agreed date. You must typically be over the age of 18 to be able to apply for urgent payday loans.

Who is Casey Joyce

On October 3, 1993, a young Army Ranger was in Somalia as part of the force trying to contain the warlords that were wreaking havoc on the starving people of Mogadishu. The powers-that-be decided to launch a raid to capture the dreaded warlord, Mohammed Adid. The raid was made up of about 120 Rangers and Delta Force Operators.

The fire fight had raged for hours. By the time the sun came the next morning, and the smoke cleared, of the 120 Americans in combat, 18 were dead and 73 wounded. Over 2500 Somalis lay dead or wounded.

During this long and vicious battle, a young Ranger had fallen from one of the helicopters and was terribly injured. Without help, the medics said he would die. One man stepped forward and volunteered to set off alone in search of a medivac vehicle, following the Ranger Creed of “….never will I leave a fallen comrade…”

This young Ranger was different from thousands of other troops in Somalia, he was ours!! He was a graduate of Plano Senior High School. Ranger Casey Joyce was killed in action and was decorated with the Bronze Star for Valor for his heroic rescue efforts. He was also awarded the Purple Heart and the Combat Infantry Badge.

Casey Joyce was born August 15, 1969 at Fort Rucker, Alabama. He attended the University of Texas at Austin and the University of North Texas at Denton.

He enlisted in the Army in November 1990, completed Airborne Training and earned the coveted Ranger tab. He served with the B Company, 3rd Battalion, 75th Ranger Regiment at Fort Benning, GA.

Sergeant James Casey Joyce is survived by his wife, DeAnna, daughter of Mr. & Mrs. David Gray of Plano; his mother, Gail Joyce, of Granbury, TX; a brother, Steven, of Atlanta, and his wife, Mandy; a sister, Sancy Joyce of Austin. LTC (Ret) Larry Joyce, Casey’s father, passed away in early 1999.