Wednesday 13 August 2014

Best Payday Loans USA 2014: 1 of 10: 100DayLoans.com Review

This Post is the first Part of the 10 Part Series where I look at the Best Pay Day Loans companies in the USA (United States). Two frequent questions which I get asked by the Millionaires Giving Money Community in the USA is (1) where can I get an online payday loan? And, (2) what is the highest rated payday loans in the USA. After responding to a handful of these emails I was inspired to make a list of the ten best payday loan companies. In this post I will be reviewing 100 Day Loans which is one of the best payday loans in the United States.

Best Payday Loans: 100DayLoans.com

Key Features of Typical Loan

100DayLoans.com offers a maximum loan amount of $1,000 where the cost of borrowing $100 credit ranges from $10 and $30. When you apply for a payday loan for the first time it is unlikely you will get the maximum. Your status and state regulations will determine the amount of loan 100DayLoans.com can offer. Once you make payments on time 100DayLoans.com will offer you more credit. The APR or annual percentage rate is between 59% and 789% which depends on your status. There are 42 participating states out of 46. Payday loans are prohibited in the following states of AZ, AR, GA and NC.

Application Process for 100DayLoans.com

100DayLoans.com is one of the best payday loan lenders because it has a greatest flexibility and ease of use. The application process is all done online and there is no need to fill out long application forms and post them out. The approval time for instant payday loans is 90 seconds and you can have the money deposited into your checking account the very same day. The waiting time frame if you want to apply for another loan is next day which means once you’ve paid off your existing short term loan you can apply for another one the next day. You can also apply and get approval over the phone for borrowers who are not able to get online.

Repaying the Payday Loan Lenders

100DayLoans.com is one of the best payday loan lenders because of the repayment terms and how it goes out if its way to help its customers. You can borrow money for a maximum term of 100 days which suits borrowers who need more time to repay the short term loan. You can also opt into automatic-withdrawal repayments which means you don’t have to worry about making the payment. You can also apply for a payment extension which allows you to rollover your loan. When you rollover the amount borrowed you will be required to pay more interest on the balance. One of the best features of 100DayLoans.com is there is no penalty for early repayment.

Customer Service for 100DayLoans.com

100DayLoans.com is one of the highest rated payday loans company because of the service it offers to borrowers. You can contact the company any time of the day via telephone, email, web form, FAQs and Live Chat. The operators for 100DayLoans.com are very friendly and strive to help their customers out so they come back for more short term lending needs.

Requirements to Apply for 100DayLoans.com Loan

100DayLoans.com is one of the best instant payday loan companies because it has a very lenient requirement when it comes to applying for the loan. There is no minimum income requirement however your income level will determine the amount you can borrow. All you need to apply for a short term cash advance is a valid checking account, a reliable pay check schedule, valid email, and social security number. You will also need to be over 18 years of age and have a driver license and photo ID. What separates 100DayLoans.com from the short term lending companies is there is no credit check however other third party lenders may conduct their own searches. There is also no need to fax documents over and you will not get disqualified for bankruptcy.

Best Payday Loan Companies

While 100DayLoans.com may be a licensed brokerage company it has a fantastic panel of the highest rated payday loans company which means that they will search and find the most competitive loan for all borrowers. The company is headquartered in Arizona and was founded in 2005. The overall application process, customer service and ease of use make this one of the best payday loan company in the USA in 2014.

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