high interest – One Payday http://onepayday.com/ Wed, 16 Mar 2022 19:58:40 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://onepayday.com/wp-content/uploads/2021/11/icon-2-150x150.png high interest – One Payday http://onepayday.com/ 32 32 Payday loans without a good credit score: what you need to know https://onepayday.com/payday-loans-without-a-good-credit-score-what-you-need-to-know/ Wed, 16 Mar 2022 18:58:36 +0000 https://onepayday.com/payday-loans-without-a-good-credit-score-what-you-need-to-know/ Pexels.com Payday loans without a good credit rating are becoming increasingly popular. Borrowers don’t need to have a perfect credit score to get a payday loan – in fact, many payday lenders won’t even check your credit score! This can be a great option for borrowers who have bad credit or no credit at all. […]]]>

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Payday loans without a good credit rating are becoming increasingly popular. Borrowers don’t need to have a perfect credit score to get a payday loan – in fact, many payday lenders won’t even check your credit score! This can be a great option for borrowers who have bad credit or no credit at all. In this blog post, we will discuss what you need to know about payday loans without a good credit rating. We’ll also give you some tips on how to improve your credit score if it’s low.

What is a payday loan and what are the conditions for obtaining one?

A payday loan is an unsecured short-term loan that borrowers can use to cover expenses until their next payday. To get a payday loan, you usually need to be 18 or older and have a valid bank account. You also need to have a good credit score – many payday lenders won’t approve loans for borrowers with bad credit.

However, there are now many payday lenders that offer loans without a credit check. This means you don’t need to have a perfect credit score to qualify for a payday loan. These loans are great options for borrowers with bad credit or no credit at all.

When it comes to getting a payday loan, Citrus North is one of the best options. We offer payday loans without a credit check and our application process is quick and easy.

Do borrowers need a good credit score to get a payday loan?

As mentioned earlier, many payday lenders do not require borrowers to have a good credit score to qualify for a payday loan. However, it is important to note that the better your credit score, the lower your interest rate will be.

If you have bad credit or no credit at all, there are many options available to you. There are now many payday lenders that offer no credit check loans. These loans are great options for borrowers with bad credit or no credit at all.

Torben A. Carlsen of CitrusNorth.com identifies no credit check as one of the most important payday loan qualifications.

The lack of a credit check means that even if you have bad credit, you may still qualify for a payday loan. This is because payday lenders do not perform credit checks when you apply for a loan.

Are there any risks associated with payday loans?

As with any loan, there are always risks associated with payday loans. However, these risks can be minimized by choosing a reputable payday lender and making sure you can afford the loan repayments.

Some of the risks associated with payday loans include:

– Default on your loan: Failure to repay your payday loan will damage your credit score and could make it difficult to get approved for future loans.

– High interest rates: Payday loans usually have high interest rates. This means that if you don’t repay your loan in full, you’ll end up paying more interest than you originally borrowed.

– Short repayment periods: Payday loans usually have short repayment periods (usually two weeks). This means that you will have to repay your loan very quickly. If you cannot afford the repayment, you may be required to take out another loan to cover the original loan amount.

– Hidden fees: Some payday lenders charge hidden fees. Be sure to read the fine print before taking out a payday loan so that you are aware of all the fees associated with the loan.

What should borrowers do if they are having difficulty repaying their payday loan?

If you’re having trouble repaying your payday loan, it’s important to contact the payday lender as soon as possible. Many payday lenders are willing to work with borrowers who are having difficulty repaying their loans. They may be able to extend the repayment period or reduce the interest rate.

If you cannot repay your loan in full, you may also consider borrowing from a friend or family member. This will help avoid damage to your credit score and additional charges from the payday lender.

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The Truth About Payday Loans: Exorbitant Annual Interest Rates https://onepayday.com/the-truth-about-payday-loans-exorbitant-annual-interest-rates/ Tue, 15 Mar 2022 11:00:00 +0000 https://onepayday.com/the-truth-about-payday-loans-exorbitant-annual-interest-rates/ When you face an unexpected expense, a payday loan may seem like the ideal solution. Applying is quick and easy, and you can get the money you need in just a few hours. But before you take out a payday loan, be sure to read the fine print. Payday loans come with very high APRs, […]]]>

When you face an unexpected expense, a payday loan may seem like the ideal solution. Applying is quick and easy, and you can get the money you need in just a few hours. But before you take out a payday loan, be sure to read the fine print. Payday loans come with very high APRs, and if you can’t pay them back on time, you’ll end up paying even more fees and interest. So, is a personal loan really worth it?

What are payday loans and how do they work?

A payday loan is a short-term, high-interest loan that is usually due on your next payday. The idea is that you will use the money you borrow to cover unexpected expenses or to tide you over until your next paycheck arrives. Payday loans are also sometimes called cash advance loans or check loans.

Orville L. Bennett of Ipass.Net explains how they work: Let’s say you need to borrow $300 for an emergency expense. You write a post-dated check for $345 (the loan amount plus fees and interest) and date it for your next payday. The lender keeps the check and cashes it on the date you specify, usually two weeks later. If you don’t have enough money in your account to cover the check, you’ll be charged an NSF check fee.

Payday loans are usually due in full on your next payday, but some lenders will let you extend the loan if you can’t afford to pay it off all at once. Just be aware that interest rates and fees will continue to accrue until the loan is paid off.

Ipass identifies payday loans as a loan that can be a useful tool in times of financial emergency, but should only be used as a last resort. Make sure you fully understand the terms and conditions before applying and be ready to repay the loan as soon as possible. Otherwise, you could end up paying a lot more interest and fees than you originally borrowed.

If you’re looking for an alternative to payday loans, consider online personal loans. Personal loans are a great way to consolidate debt, finance major purchases or cover unexpected expenses.

And unlike payday loans, personal loans come with fixed interest rates and payments, so you’ll always know how much you’ll have to pay each month. Plus, you can usually get a personal loan with bad credit. So if you’re struggling to qualify for a traditional bank loan, an online personal loan might be the perfect solution.

The risks associated with payday loans.

As with any type of loan, there are risks associated with payday loans. Here are some things to watch out for:

– Payday loans come with very high APRs, and if you can’t pay them back on time, you’ll end up paying even more fees and interest.

– If you can’t repay the loan on time, you could end up with costly NSF fees.

– Payday loans can hurt your credit score if you miss payments or fail to repay the loan.

– Payday lenders may try to aggressively collect debts from borrowers, which could lead to harassment and even legal action.

So before taking out a payday loan, make sure you weigh the pros and cons. If you can’t afford to repay the loan in full on your next payday, it’s probably not a good idea to borrow the money. There are other options available, so be sure to explore all of your options before deciding on a payday loan.

If you’re considering taking out a payday loan, be sure to check out our guide to the best payday loans first. We’ll help you find a lender who offers fair interest rates and reasonable repayment terms.

Payday loans aren’t for everyone, but if you need cash fast and have no other options, they can be a helpful way to get through a tough financial situation.

How to avoid high APRs when taking out a personal loan?

When looking for a payday loan, it’s important to compare interest rates and fees from different lenders. Here are a few tips :

– Compare the APRs of different lenders. Payday loans with lower APRs will cost you less interest and fees over the life of the loan.

– Avoid lenders that charge application or origination fees. These fees can add up quickly, so it’s important to find a lender that doesn’t charge them.

– Look for lenders who offer flexible repayment terms. If you can’t afford to repay the loan on your next payday, be sure to inquire about extending the repayment term. Just be aware that this will increase the overall amount of interest you pay.

– Do not accept any loan before having carefully read the terms and conditions. Payday loans can be expensive, so it’s important to know exactly what you’re getting into before signing anything.

If you take these steps, you’ll have a much better chance of finding a payday loan with reasonable interest rates and fees. Remember to always research the best deal before applying for a payday loan. High APRs can quickly drain your bank account, so it’s important to find a lender that offers fair rates and reasonable repayment terms.

Alternatives to payday loans for people who need money fast.

If you need money fast and don’t want to take out a payday loan, there are other options available to you. Here are some alternatives to consider:

– Personal loans: Personal loans generally have lower interest rates than payday loans, so they can be a cheaper option in the long run. And unlike payday loans, personal loans come with fixed interest rates and monthly payments, so you’ll always know how much you’ll have to pay each month.

– Credit Cards: If you have good credit, you may qualify for a low-interest credit card. You can use your credit card to cover unexpected expenses or consolidate debt. Just make sure you make your payments on time and keep your balance under control to avoid high interest rates.

– Payday loan alternatives: There are a number of payday loan alternatives available, including installment loans, cash advance loans, and lines of credit. These options typically have lower interest rates than traditional payday loans, so they can be a cheaper option in the long run.

Before deciding on a payday loan, be sure to explore all of your options. Payday loans can be expensive, so it’s important to find the cheapest way to borrow money. Personal loans, credit cards, and payday loan alternatives are all viable options for people in need of quick cash. Just be sure to compare interest rates and fees before applying for a loan.

Thanks for reading! We hope this article has helped you understand the truth about payday loans and the high APRs associated with them. Payday loans can be expensive, so it’s important to explore all of your options before deciding on one.

Remember that personal loans, credit cards, and payday loan alternatives are all viable options for people who need cash fast. Just be sure to compare interest rates and fees before applying for a loan and research reliable and knowledgeable lenders such as Ipass.Net.

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Bronco Partners Debt Consolidation Scam 2022 https://onepayday.com/bronco-partners-debt-consolidation-scam-2022/ Tue, 15 Mar 2022 00:02:07 +0000 https://onepayday.com/bronco-partners-debt-consolidation-scam-2022/ Ad Disclosure: We earn referral fees from advertisers. Learn more Is BroncoPartners a scam? We will let you be the judge. Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will […]]]>

Ad Disclosure: We earn referral fees from advertisers. Learn more

Is BroncoPartners a scam? We will let you be the judge.

Bronco Partners entices you by sending you a direct mail with a “personalized invite code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to BroncoFunding.com or myBroncoPartners.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

  • have you been “pre-approved” for a $70,000 loan?
  • Have you been told that your interest rate will drop from 19.90% to 3.15%?
  • Were you promised that your monthly payment would go from $1,320 to $323.40?
  • Have you been sold a monthly savings of $996.60?
  • Did you receive a letter in your mailbox from the Loan Acceptance Department?
  • Did your letter look like this?
Bronco Partners Debt Consolidation Scam 2022 1

It’s not new. Many unscrupulous debt marketing companies have used this as a business model for years. They lure you in with the low interest rate, shackle you for a week, then let you know you don’t qualify for a loan. They then offer you very expensive debt settlement options.

Bronco Partners BBB
Editorial credit: Kate Kultsevych

Is Broncos The partners Legit or a scam?

Crixeo.com rewarded Broncos The partners a 1-star rating (data collected and updated as of February 19, 2021). We hope the information below will help you make an informed decision on whether to do business with Knights Funding. We hope the information below will help you make an informed decision on whether to do business with Knights Funding.

  • Broncos The partners operates two websites, BroncosThe partners.com & myBroncos The partners.com.
  • Broncos The partners is part of a collection of almost 50 websites that we discovered. All are affiliated and listed below.
  • Our belief is that Broncos The partners operates so many different websites in order to escape the huge amount of complaints and negative articles on the internet.
  • We advise caution when working with Broncos The partners. Affiliate websites have several negative reviews and scam complaints.
  • Broncos The partners operates under the sovereign protection of the Mandan, Hidatsa and Arikara Nation (a/k/ MHA Nation), a Native American tribe.

Broncos The partners may be affiliated with the following websites:

  • Hawkeye Associates
  • Brice Capital
  • Capital of the Bruins
  • Loan Dale
  • Yellowhammer Associates
  • Big Apple Associates
  • Cornhusker Advisors
  • badger advisors
  • Rockville Advisors
  • Snowbird Partners
  • Gulf Street Advisors
  • Partners earlier
  • Old Dominion Associates
  • Harrison Funding
  • Johnson Funding
  • Taft Financial
  • Georgetown Funding
  • Memphis Associates
  • Tate Advisors
  • Patriot Funding
  • Malloy loan
  • Plymouth Associates
  • Silvertail Associates
  • Safe Path Advisors
  • Coral Funding
  • neon funding
  • Cobalt Advisors
  • Saxton Associates
  • Hornet Partners
  • Colony Associates
  • First State Associates
  • Polk Partners
  • Ladder Advisors
  • Corey Advisors
  • Pennon Partners
  • Jayhawk Advisors
  • Clay Advisors
  • Great Lakes Associates
  • Pin Advisors
  • Alamo Associates
  • punch partners
  • Partners of the Montagne Blanche
  • Steele Advisors
  • Grand Canyon Advisors
  • Loan of gliders
  • lucky marketing
  • Golden State Partners
  • Pin Advisors
  • Derby Advisors
  • Graylock Advisors
  • Tuck Associates
  • punch partners
  • Bowling Associates
  • Ballast Associates
  • Tweed Loan
  • loan competition
  • Graphite Financing
  • August Funding
  • Broadstar Financial
  • Salvation Funding
  • Stallion loan
  • Pebblestone Financial
  • Sussex funding
  • Lafayette financing
  • Funding for guardian angels
  • Bridgeline financing

Broncos The partners Reviews and ratings

Broncos The partners and its affiliate websites are not accredited by the BBB and have been the subject of numerous complaints and negative press under various names.

MEC Distribution LLC

At one point, Broncos The partners and its affiliate website operating as MEC Distribution, LLC. The Better Business Bureau issued its first alert on this company in February 2018:

In February 2018, BBB staff visited Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces in office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

BBB has confirmed with the North Dakota Department of Financial Institutions that Lafayette Funding is not licensed in North Dakota as a debt settlement company. Additionally, BBB contacted building management at the Lafayette Funding Claims address in Bismarck, ND, and learned that Lafayette is not located at that address. BBB advises extreme caution when dealing with this entity.

In February 2018, BBB staff visited the Fargo ND addresses provided by MEC Distribution and found that all locations were vacant and building management explained that although rent was paid by MEC Distribution, the spaces of office were not used. MEC Distribution LLC has provided BBB with a mailing address for complaint handling in Bloomfield Township Michigan. BBB’s mail to this address was returned as “undeliverable as addressed – undeliverable”. Currently, BBB does not have a physical location for this business.

HaFinancing of the Knights BBB Reviews

You won’t find a BBB file on Financing of the Knights because the complaints haven’t started coming in yet. However, we have reviewed some complaints from its affiliate websites:

Cathy M. – 1 star review

They changed their name to Salvation Funding. After seeing this note, I understand why. I don’t know how they got my information, but they need to be stopped.

Terry W. – 1 star review

Beware of bait and switch shippers. The terms are “extremely different” from those advertised! It’s a waste of time.

My goal is to help others realize that it’s a waste of time! Pebblestone Financial’s advertisement is definitely misleading in my opinion. After my conversation with Fred, his response was, “we can definitely help you…I’ll call you tomorrow morning with the details…have a pen and paper ready to write down the numbers.” The sender includes in fine print… This review is not guaranteed if you do not meet the selected criteria.

It also further states: “This review is based on information in your credit file indicating that you meet certain criteria.” In my case, I’m not behind on payments, and neither will I be. I am current on all outstanding debts and my credit history demonstrates it. When Fred called the next morning… his terms were totally ridiculous and, in my opinion, “predatory loans”. When I asked Fred…are those the terms of Pebblestone’s offer, he said yes. I replied, I’m not interested in those terms and he hung up the phone immediately with no further conversation.

The reason I responded to Pebblestone Financial’s offer was to consolidate and simplify with one payment and take advantage of the low pre-approved average rate of 3.67%. While I currently pay between 10.9% and 12.9% to credit card companies…this offer was attractive. The sender stated in BIG BOLD PRINT: You have been pre-approved for a debt consolidation loan with a rate as low as 3.67%. The pre-approved loan amount was actually $11,500 more than my total debt consolidation.

In summary… it’s definitely a “Bait and Switch” scheme in my opinion. I checked BBB feedback before responding to this offer and have not seen any negative feedback. Now I see other very similar answers with the same “Bait and Switch” experience. Hope this helps others avoid wasting time finding out about these unethical practices of Pebblestone Financial.

The Rent-A-Tribe Program

In recent years, hiding behind the protection of a Native American tribe has been made popular by internet payday lenders. In July 2018 Charles Hallinan, “the payday loan godfather”, was sentenced to 14 years in prison for providing payday loans through the Mowachaht/Muchalaht First Nation in British Columbia. In January 2018, Scott Tucker was sentenced to more than 16 years in prison for running an illegal $3.5 billion payday loan business while operating under “sovereign immunity” from the Modoc tribe of the United States. Oklahoma and the Santee Sioux Tribe of Nebraska.

Why do we focus on Broncos The partnersThe negative reviews?

We urge you to do your own research and due diligence on Broncos The partnersespecially when it comes to your Personal finance. We urge you to be careful what you find on the Internet. Compare the good and the bad and make an informed decision. In our experience, where there is smoke…there is fire. But you make the call.

Knights Funding Review

Bronco Partner Review – Caution Notice

Bronco Partners attracts you by sending you a direct mail with a “personalized reservation code” and a low interest rate of 3% to 4% to consolidate your high interest credit card debt. You will be directed to KnightsFunding.com or myKnightsFunding.com. More than likely, you will not qualify for one of their debt relief loans and they will try to switch you to a more expensive debt settlement product.

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ASA investigates payday loans that break rules served by Google https://onepayday.com/asa-investigates-payday-loans-that-break-rules-served-by-google/ Mon, 14 Mar 2022 12:17:00 +0000 https://onepayday.com/asa-investigates-payday-loans-that-break-rules-served-by-google/ The Advertising Standards Authority (ASA) is investigating several reported examples of Google allowing ads from “predatory lenders”. The findings follow a report published in the Observer on Sunday which found that 24 advertisements had been paid for by 12 advertisers, including loan companies and credit brokers. Google’s stated practices Prevent the sale of financial services-related […]]]>

The Advertising Standards Authority (ASA) is investigating several reported examples of Google allowing ads from “predatory lenders”. The findings follow a report published in the Observer on Sunday which found that 24 advertisements had been paid for by 12 advertisers, including loan companies and credit brokers.

Google’s stated practices Prevent the sale of financial services-related ads that do not disclose information about repayment terms or other potential harms to borrowers. It specifically cites failure to disclose associated fees as something prohibited, noting, “Disclosures may not be published as hover text or made available through any other link or tab. They should be clearly and immediately visible without the need to click or hover over anything.

It also cites failure to include links to any third-party accreditation or endorsement where affiliation is stated or implied with the terms of the loan-related advertisement. This veneer of legitimacy — and Google’s efforts to prevent loan providers from making false associations with real organizations — were partly behind the search giant’s efforts to stamp out the practice in 2016.

Commercials reported by the Observer included one that offered ultra-high interest rates of up to 1,721%.

The vendors’ marketing techniques – especially messages related to how quickly money will be available – appear to run counter to Google’s policies. Following the Observer report, the Guardian found that many of the same companies were running similar adverts despite Google removing the initial adverts. In 2020, Google removed 123 million ads related to violations of its financial services policies.

The ASA has concrete guidelines against predatory lending advertising and has enforced them across a wide range of advertising mediums. Its financial services rules information page points out that it has upheld the investigation into a Sunny Loans ad on the grounds that it may mislead consumers about repayment terms.

The problem is exacerbated online due to the speed and reach with which digital advertisers can reach consumers. The ASA said that while responsibility for ensuring ads do not violate the guidelines rests with the advertiser, media platforms such as Google “also have some responsibility for ensuring content complies with the guidelines. rules”. A spokesperson told the Guardian: “Platforms should and are taking steps to ensure misleading and irresponsible ads are not published.”

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Payday loans and overspending got me £11,000 in debt https://onepayday.com/payday-loans-and-overspending-got-me-11000-in-debt/ Mon, 14 Mar 2022 09:21:00 +0000 https://onepayday.com/payday-loans-and-overspending-got-me-11000-in-debt/ If you’re struggling to make ends meet, you might think payday loans and credit cards are your only option – but it has landed Miranda Malanga £11,000 in debt. Miranda, 34, who lives in Oxfordshire and is now a security manager at a pharmaceutical company, found herself in a ‘vicious circle’ of taking out payday […]]]>

If you’re struggling to make ends meet, you might think payday loans and credit cards are your only option – but it has landed Miranda Malanga £11,000 in debt.

Miranda, 34, who lives in Oxfordshire and is now a security manager at a pharmaceutical company, found herself in a ‘vicious circle’ of taking out payday loans to pay her bills when she was home ‘university.

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Miranda tackled her £11,000 debt in just over a year after taking out payday loans and overspending
She made a big spreadsheet to track what she owed and to whom.

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She made a big spreadsheet to track what she owed and to whom.

Payday loans are short-term loans, usually for small amounts of money, given to people who are struggling to grow their money until the next payment – but they usually come with high interest rates.

Miranda’s reliance on these loans, as well as increasing credit card debt from spending too much money at her favorite shops, meant she was owed £11,000 by the time she finished school.

Miranda fell into the common trap of taking out new loans to cover what she owed elsewhere.

In all, she took out six payday loans, racking up £3,200 in debt.

I saved £150,000 by halving our interest rate with a simple mortgage switch
I didn't even know my partner had a credit card - or £7,000 in debt

She also owed £2,500 worth of store cards – a type of credit card you can only use in one store.

On top of that, her credit card debt was over £3,200, she had £1,700 in her overdraft and she owed £690 on her phone bill.

“Being in debt made me feel defeated,” Miranda said.

“I wanted to be out of my situation as quickly as possible.

“I missed some payments on my payday loans, and I was constantly being chased with phone calls, letters and emails.

“Some of the companies I took loans from sold my debt to a debt collection agency – it was really scary to be sued by them.”

In 2014, Miranda decided to “stop putting my head in the sand” and start paying off her debt.

In just 18 months, she had cleared everything and started accumulating savings, eventually even buying a house. She explains how she did it.

snowball method

Miranda sat down and rummaged through her finances to figure out exactly how much she owed and to whom.

“I wrote down each company I owed money to and calculated how much I could afford to pay each month to clear each debt,” she said.

“I called each lender, was honest and shared details of all my debts to see if I could put together a more affordable repayment plan.”

After agreeing better repayment rates with most of her lenders, Miranda figured out which debt to focus on – so she could repay more than the minimum amount each month.

“I decided to use the snowball method to clear my debts,” she said.

“That meant settling my smaller debts first and paying off the bigger ones last.

Although many experts advise you to settle the debts with the highest interest rate first so that you end up paying less interest, this does not work for everyone.

Miranda said: “I thought it would motivate me to keep paying off my debts – I wanted to see that I was making progress on my plan.

“Psychologically, this method helped me stay focused on my goal.”

Cut expenses

To settle her debts faster, Miranda tried to reduce her expenses as much as possible.

“I would aim to spend £100 a month on food, avoiding branded goods and buying things in bulk,” she said.

“Meal planning helped me stick to that budget because I was only buying the things I needed.”

She got rid of the subscription, saving nearly £100 a month.

“I had a few magazine subscriptions which saved me £30 a month after I canceled them.

“And got rid of my gym membership, saving me £40 a month.”

Miranda also said she had ‘quit my social life’ to save £250 a month.

She used to spend up to £100 a month to see her friends and £150 on train tickets to see her family and then-boyfriend.

But she stopped that, choosing to stay and save her money instead.

Credit score issues

It took Miranda 18 months to clear her debt.

“I felt good, but realized I had no savings,” she said.

“I had spent so much time settling my debts when I could have saved money to go on a trip or save an emergency fund.”

Her debt also left black marks on her credit rating because she missed some repayments on payday loans.

Your credit score indicates how well you’ve managed your borrowings over the past six years.

Lenders use it to decide whether or not to give you credit. Thus, a bad score can prevent the acceptance of your request.

Miranda waited until 2020 before she could start thinking seriously about buying a house she had saved up for.

Having black marks on your credit report makes getting a mortgage much more difficult, but by then she had managed to improve her credit rating significantly.

She said: “I regret taking payday loans. “I was in dire straits where I needed the money, but if I could go back, I never would.”

How to get help with your debts

If, like Miranda, you find your debts unmanageable, there are steps you should take to resolve your situation,

Here’s how to get yourself out of the red.

Dive into your finances

It can be tempting to try to ignore your mounting debt if you’re struggling to pay it off.

But the first thing you need to do is sit down and figure out exactly how much you owe and to whom.

Once you’ve done this, you can calculate a budget based on your expenses to see how much you can afford to repay your loans.

Talk to your lenders and be honest about your situation – you may be able to negotiate a more affordable repayment plan.

Prioritize your debts

If you don’t have enough money to pay everything you owe, pay off your biggest debts first.

These are the ones that could see you losing your home or paying exorbitant interest rates, for example – like your mortgage, council tax and energy bills.

Pay more than the minimum

If you can afford it, you should try to pay off more than the minimum amount of your debt each month.

Only meeting minimum repayments means it will take a lot longer to clear your debt and you’ll end up paying more interest as well.

See how much more you can afford to pay each month, then decide which debt to focus your efforts on.

You can choose the snowball method like Miranda and invest more money in your smallest debt first – or you can choose the debt with the highest interest rate.

Take advice

You can get free advice on how to pay off your debt.

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MoneyMutual Reviews – Are Bad Credit Mutual Money Loans Legit? https://onepayday.com/moneymutual-reviews-are-bad-credit-mutual-money-loans-legit/ Fri, 11 Mar 2022 09:30:00 +0000 https://onepayday.com/moneymutual-reviews-are-bad-credit-mutual-money-loans-legit/ Often you can find yourself overwhelmed by financial difficulties without friends or family to turn to. There is a way to save the day without necessarily having to rely on loan sharks who, more often than not, are vicious predators with very high interest rates that could land you in an even worse situation. Presentation […]]]>

Often you can find yourself overwhelmed by financial difficulties without friends or family to turn to. There is a way to save the day without necessarily having to rely on loan sharks who, more often than not, are vicious predators with very high interest rates that could land you in an even worse situation.

Presentation Mutual money, a money lending platform that will allow you to access fast loans from $200 to $5000 in 24 hours. All you have to do is fill out an online form that will connect you with up to 91 lenders in your location, giving you the choice to choose the one that best suits your needs.

What is Money Mutual

Hosted in the moneymutual.com domain, the lending platform has a minimum of $200 to a maximum of $5,000 in loans that will be deposited directly into the account of your choice. Now with a customer base of over 2 million, it proves that it is legit and has had many returning customers as a sign of customer satisfaction.

As soon as you are done filling out the online form and submitted, you can access and choose from a list of lenders in your area. The platform also offers several advertisements and commercials running on mainstream media.

Terms of integration of the PayDay Loan platform

Anyone over the age of 18, with a current account and a monthly income of more than $800 is eligible to access a loan via the platform. Money Mutual has partnered with over 90 money lending organizations to provide quick loans to the masses in their time of need.

How does Money Mutual work?

Once registered on the Money Mutual platform, you will come across a screen that will allow you to compare the different conditions offered by the different lenders. You will then be redirected to a website of the lender of your choice for verification in order to finalize the process.

Lenders already have some sort of predetermined strategy that will decide the terms, ie interest rates and repayment periods they will offer you. They will also contact you personally at some point to cross-check your information and bank account before shipping the loan.

They are regulated and required by law to disclose to you, the customer, all fees associated with the process. They are also required to give you all the disclaimers which you should read carefully before finalizing the transaction.

Here is what happens in the backend of the Money Mutual platform:

You will enter your details which will be instantly sent to the various credit institutions available on the platform for verification purposes. Then, depending on your profile, the lenders will present you with loan offers and conditions that they deem appropriate for your situation. You will then decide which offer suits you best and complete the process where the money will be deposited in your account within 24 hours.

Process of using Money Mutual

You won’t be charged a penny to access the Money Mutual platform, but individual lenders will charge interest on their loans. You will need to carefully inspect their terms and conditions to avoid getting yourself into trouble.

The whole process of registering and entering your details will take around five minutes and probably less for a returning customer.

MoneyMutual Payday Loans Customer Reviews

Here is what some happy customers had to say about the Money Mutual platform:

K. Battiste

I appreciate how fast and accurate it was. It was right there the next day as they said. One of my daughters became a city ambassador and had to pack her bags – finished in time. The money was missing – it was just on the key.

Rashonda R

It was perfect – right on time. Very convenient. It was great service because I had never taken out a loan before and I don’t do it over the internet or over the phone. After all you know so many scams and tricks – so they reassured me and made me feel comfortable giving my information – you know what I’m saying – giving my information to get the loan – it’s was very reassuring.

Thomas G.

A little fast and fast, that’s all. It didn’t take long to process. Didn’t cause any problems – got straight to the point.

Nicole G.

My car broke down and I needed transportation to work. I saw the ad on TV and decided to call. At first I thought it was a gimmick, but I got into it. It took less than 2 minutes to find the lender. They were nice. It was approved and it all happened in less than 30 minutes – and that’s what I loved.

Kacy P

I submitted my information and all that, and I was able to get a loan. They answered all my questions.

About Money Mutual

The organization is located in Las Vegas, Nevada. Although they do not offer loans, they have provided a platform where they have collaborated with lending institutions to help ordinary people in tricky situations that require quick loans.

You can reach them via:

  • Email: customerservice@moneymutual.com
  • Phone: 844-276-2063

To know more about fast loans and how they work, visit the official website for more information.

RELATED:Best Loans for Bad Credit: The Most Credible Bad Credit Lenders of 2022

Affiliate Disclosure:

The links contained in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Warning:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure, or prevent any disease or to provide any type of enrichment program.


The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

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How to apply for a payday loan https://onepayday.com/how-to-apply-for-a-payday-loan/ Wed, 09 Mar 2022 10:40:56 +0000 https://onepayday.com/how-to-apply-for-a-payday-loan/ Payday loans are high-cost, short-term loans that borrowers typically use to meet financial obligations. These small, short-term loans come with high interest rates and high fees. While payday lenders market their products as quick and easy ways to meet emergency financial needs, the reality is that many consumers find themselves trapped in a cycle of […]]]>

Payday loans are high-cost, short-term loans that borrowers typically use to meet financial obligations. These small, short-term loans come with high interest rates and high fees. While payday lenders market their products as quick and easy ways to meet emergency financial needs, the reality is that many consumers find themselves trapped in a cycle of debt. Many payday loan borrowers are unable to repay their loan, even after getting another payday loan to pay off the first.

This article is going to learn about the right method to apply for payday loans to get maximum benefits.

How do I apply for a payday loan?

Many people with bad credit apply for payday loans to get quick cash. The application process only takes a few minutes, but it’s important that you read the terms and conditions of your agreement carefully before signing on the dotted line.

When applying for a payday loan, there are certain policies you need to be aware of, such as loan renewal policies, rollover rules, and prepayment penalties.
To apply for a payday loan, follow these steps:

Step 1 – Fill in your personal information

When entering your personal information, be sure to use the correct name, address, phone number, date of birth, and social security number. This will ensure lenders can easily verify your identity during the approval process.

Step 2 – Provide proof of income

You will need to provide proof that you are employed or have another source of income. This could be your most recent pay stub, on-demand employment earnings, unemployment benefit statement, pension award letter, or award letter social security disability.

Step 3 – Fill in your bank details

Payday lenders require you to provide them with your bank details so they can easily deposit the funds as soon as possible. Most payday lenders typically deposit funds the next business day after approval; however, some lenders may take up to two days to process your application and deposit your funds.

Step 4 – Accept the fees and terms
Once you have completed your application, review all fees and conditions. If everything is correct, click “submit” or “next” to complete your application. This will send it directly to a lender for review. You should receive an instant response from a lender as to whether you have been approved for the loan.

How to choose a payday lender?

If you’re considering applying for payday loans, it’s important that you only look through reputable loan companies that offer fair interest rates and transparent terms. Here are some tips for choosing a reputable payday lender:
1. A reputable payday lender should not charge upfront fees.
2. A reputable payday lender will not engage in any form of coercion or harassment if you reject their offer to give you a loan.
3. A reputable payday lender should be able to lend you money even if your credit rating is low.
4. A reputable payday lender will never charge hidden fees.
5. Research customer testimonials online to see what other customers are saying about the company’s service, pricing, and convenience.

Conclusion
In conclusion, payday loans are unsecured short term loans that do not require the borrower to provide any form of collateral. However, to successfully apply for these types of loans, you need to be aware of certain policies, such as loan renewal policies and rollover rules. You can also get help from your friends or colleagues who have already applied for payday loans.

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How to Choose the Best Loan Company for Bad Credit https://onepayday.com/how-to-choose-the-best-loan-company-for-bad-credit/ Tue, 08 Mar 2022 20:59:55 +0000 https://onepayday.com/how-to-choose-the-best-loan-company-for-bad-credit/ A bad credit loan could be a viable option if you can’t get approved for a loan from a bank, credit union, or borrow money from friends and family. It is relatively easy to apply and most lenders issue quick loan decisions. Interest rates can reach up to 36% on unsecured and secured personal loans […]]]>

A bad credit loan could be a viable option if you can’t get approved for a loan from a bank, credit union, or borrow money from friends and family.

It is relatively easy to apply and most lenders issue quick loan decisions. Interest rates can reach up to 36% on unsecured and secured personal loans for bad credit or triple digits for payday loans and cash advances.

However, not all loan options are the same. Before applying, consider how to choose the best bad credit lender.

What is a bad credit loan

A bad credit loan is a personal loan for consumers with credit difficulties. You may also qualify for a bad credit loan if you have little or no credit history.

Loans for bad credit generally have no restrictions on how the funds can be used. Some borrowers cover financial emergencies, medical bills, or make expensive home repairs. Others use the money to consolidate their debts or as they see fit.

These loan products usually come with high interest rates because they are risky for the lender. But the interest rate on most bad credit loans is fixed, so the monthly payment amount won’t change. Loan proceeds are allocated in a lump sum and payable in equal monthly installments over a specified period.

Payday loans and cash advances are alternatives to bad credit personal loans. However, interest rates and fees tend to make these loans very risky options.

Types of loans for bad credit

There are four main types of bad credit loans.

Secure loan

You will need collateral to get approved for a secured loan. However, the rate will generally be lower than what you would get with an unsecured loan. Your lender can seize your property and sell it to recover their losses if you fail to repay the loan.

These loan products are also easier to obtain if you have bad credit. However, they should only be used if you can comfortably afford the loan repayments.

Unsecured loan

This type of loan is preferred if you need a bad credit loan. You won’t need collateral to qualify and you could be eligible for a hefty amount. The downside is that your interest rate will be higher with a lower credit score.

Consider targeting online lenders. They tend to offer more flexible personal loan options for borrowers with bad credit than traditional banks and credit unions.

payday loan

A payday loan can be used as a last resort if you cannot qualify for a personal loan or borrow from family or friends. It is a short term loan of $500 or less. It comes with an excessive interest rate, usually in the triple digits, and is payable on the day of your next payday.

These loans are extremely risky and can trap you in a dangerous cycle of debt if you are unable to pay and are forced to extend the term of the loan. You could rack up several hundred dollars in interest and fees each time you carry over the balance.

Cash advance

Like payday loans, cash advances are another expensive way to borrow money. They are available from some credit card issuers and involve withdrawing funds from your credit card’s available balance.

The amount you borrow will be added to your existing account balance, but you can expect to pay a higher interest rate than that charged for purchases made with the card.

How to Choose a Loan Company for Bad Credit

Beyond funding timelines, there are other factors to consider when evaluating bad credit lenders.

Borrowing costs

The cost of borrowing varies by lender and loan product. Get options from multiple lenders and compare them to see which offers the most competitive interest rate and doesn’t charge a fortune in fees.

Reputation of the lender

Loans for bad credit are readily available from several financial institutions, both physical and online. Not all lenders are the same and some should be avoided. Some lenders may even be scammers.

Avoid lenders that aren’t registered to do business in your state, offer guaranteed approvals without a credit check, or require an upfront payment to approve you for a loan. It is equally important that they have a secure website and a physical address.

Loan conditions

An extended repayment term means that your monthly payment will be lower, but you will pay more interest over the life of the loan. So, a shorter loan term might be more ideal if you want to pay off what you owe faster and save a lot of interest.

Client experience

The lender should offer customer support by phone, online, or both at times that suit your busy schedule. It’s also essential that the application experience is seamless, and the lender gives you the ability to manage your loan online through a mobile app once it’s approved and you start making payments.

At the end of the line

Several loan options for bad credit could be suitable. But before applying for a loan, research loan types and shop around for quotes. When narrowing down your options, you also want to evaluate lenders based on their reputation, loan costs, terms, and customer service to find the best one for you.

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Will a debt consolidation loan affect my credit rating? https://onepayday.com/will-a-debt-consolidation-loan-affect-my-credit-rating/ Tue, 08 Mar 2022 18:09:05 +0000 https://onepayday.com/will-a-debt-consolidation-loan-affect-my-credit-rating/ Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. (The Credible Money Coach explains the possible […]]]>

Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

(The Credible Money Coach explains the possible credit impact of a debt consolidation loan.)

Dear Credible Money Coach,

Is it true that when you take out a debt consolidation loan, it hurts your credit? —Twila

Hello Twila and thank you for your question. Debt consolidation affects your credit differently depending on how you structure it and manage loan repayments. This can be a smart way to manage multiple high interest debts without hurting your finances.

If you’re considering a personal loan for debt consolidation, compare rates from multiple lenders to get the best deal. Credible, it’s easy to view your prequalified personal loan rates in minutes.

Why do people consolidate their debts?

When you consolidate debt, you open a new credit account, such as a personal loan, credit card, or home equity loan, to repay several existing debts. This leaves you with one payment instead of multiple accounts to manage.

If you have good credit, you may be able to get an interest rate that’s lower than the combined effective rate you’ve paid on multiple debts. This saves money in the long run.

Ways to Consolidate Debt

There are several options for consolidating debt, including:

Each of these options has advantages and disadvantages. For example, personal loan interest rates are generally lower than credit card rates. But if you continue to incur credit card charges, you could go into more debt.

Doing a 0% balance transfer could save you interest for 12 months or more. But if you don’t repay the entire balance before the end of the promotional period, the interest rate could increase significantly.

If you sign up for a debt management plan with a credit counselor, they can negotiate with your creditors to pay less than you owe, lower your interest rate, or extend your repayment period. But if you can’t repay a debt management plan as agreed, your credit may suffer.

Risks of a debt consolidation loan

A debt consolidation loan can lower your credit scores in the short term. This is because new credit applications cause your scores to drop. And if you use the loan to pay off a credit card and then close it, you reduce your total available credit, which leads to lower credit scores. (It’s best to keep a paid credit card open so you have more credit available in your name.)

However, if you make your new loan payments on time each month, your credit should recover fairly quickly from the slight hit it took when you opened the loan.

Should you get a debt consolidation loan?

A debt consolidation loan is not for everyone. I advise you to think twice before emptying a retirement account to pay off debt or putting your home at risk with a home equity loan or line of credit.

And if bad spending habits are causing your debt, working with a qualified credit counselor to improve your financial habits may be more helpful than lowering your interest rate with a debt consolidation loan.

If you decide a personal loan is right for you, Credible can help. compare personal loan rates from multiple lenders without hurting your credit.

Ready to know more? Check out these articles…

Need Credible® advice for a money-related question? Email our credible financial coaches at moneyexpert@credible.com. A Money Coach could answer your question in a future column.

This article is intended for general information and entertainment purposes. Use of this site does not create a professional-client relationship. Any information found on or derived from this website should not replace and should not be taken as legal, tax, real estate, financial, risk management or other professional advice. If you require such advice, please consult a licensed or competent professional before taking any action.

______

About the Author: Laura Adams is a personal finance and small business expert, award-winning author and host of silver girl, a weekly audio podcast and top notch blog. She is frequently quoted in the national media and millions of readers and listeners benefit from her practical financial advice. Laura’s mission is to empower consumers to live richer lives through her work as a speaker, spokesperson and advocate. She earned an MBA from the University of Florida and lives in Vero Beach, Florida. Follow her on LauraDAdams.com, instagram, Facebook, Twitterand LinkedIn.

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MoneyMutual Review: Is Money Mutual Legit or Bad Credit Loan Scam? https://onepayday.com/moneymutual-review-is-money-mutual-legit-or-bad-credit-loan-scam/ Fri, 04 Mar 2022 09:30:00 +0000 https://onepayday.com/moneymutual-review-is-money-mutual-legit-or-bad-credit-loan-scam/ MoneyMutual is a payday loan company that lets you borrow from $200 to $5,000 in as little as 24 hours. By filling out a simple form on MoneyMutual, you can instantly connect to 91 lenders to find the best deal in your area. Is MoneyMutual legit? How does Money Mutual work? Keep reading to find […]]]>

MoneyMutual is a payday loan company that lets you borrow from $200 to $5,000 in as little as 24 hours.

By filling out a simple form on MoneyMutual, you can instantly connect to 91 lenders to find the best deal in your area.

Is MoneyMutual legit? How does Money Mutual work? Keep reading to find out everything you need to know about this payday loan website.

What is MoneyMutual?

MoneyMutual, available online at MoneyMutual.com, is a payday loan website that lets you get anywhere from $200 to $5,000 deposited into your account within 24 hours.

Simply complete the form on MoneyMutual.com to get started and you can instantly see offers from lenders serving your area.

MoneyMutual is one of the most trusted payday loan websites available online today. With over 2,000,000 customers to date, MoneyMutual has a proven track record of providing customers with the payday loans they need. You can see MoneyMutual commercials on TV, and TV’s Montel Williams was a spokesperson for MoneyMutual for almost a decade.

How does MoneyMutual work?

MoneyMutual makes it easy to get a short term loan in 24 hours or less and is easily one of the best bad credit loan providers of 2022.

As long as you’re 18, have at least $800 a month of verifiable income, and have a checking account, you should be able to find a payday loan through MoneyMutual.

Simply enter your information into MoneyMutual.com, then view payday lender offers. MoneyMutual partners with over 90 companies to ensure customers can get the payday loans they need when they need them.

After choosing the offer through MoneyMutual’s online comparison screen, you visit the lender’s website, fill in additional information and get the money you need as soon as possible.

Here’s how it works:

  • Step 1) Provide your information: Fill out the form on MoneyMutual.com and MoneyMutual sends your information to the lenders.
  • Step 2) Lender Review: Lenders verify your information instantly to determine the right person. Then they show you their best offer on the next page.
  • Step 3) Get your money: Browse a list of loan offers and get funds deposited into your bank account in as little as 24 hours.

You can use MoneyMutual for loans ranging from $200 to $5,000.

How much does Money Mutual cost?

MoneyMutual is available for free. You fill out the form and submit your information for free via the online marketplace.

However, once you choose a lender through MoneyMutual, that lender charges a fee in exchange for lending money. Read the terms carefully to make sure you understand how much it costs to borrow.

How long does it take to use MoneyMutual?

It takes about five minutes to complete the MoneyMutual online form. If you have used MoneyMutual before and are a loyal customer, it takes even less time.

Once you fill in the online form and select an offer, you can get the money in your account in just 24 hours.

How do MoneyMutual lenders work?

MoneyMutual works with over 90 lenders to find the best deal for your unique needs. Each lender considers your personal information and financial data provided by you to ensure an optimal match.

Here’s how lenders look at your information, according to MoneyMutual:

  • Lenders automatically review your information after you submit an application through the website
  • Each lender follows the previously established requirements to make a decision
  • If a lender decides that they want to lend you money, you will be redirected to their website, where you can review the terms of the loan and accept the loan.
  • Lenders may also contact you to verify your personal information, confirm your bank account number and finalize the loan.

That’s it. Like other payday lenders, payday lenders with MoneyMutual are legally required to disclose all fees up front. The law also prevents them from charging excessive annual interest rates. Check all fees and charges in advance to avoid any surprises.

What’s the catch?

There is no “trap” in using MoneyMutual. The website genuinely connects you with payday lenders and short-term lenders in your area who can lend you money as quickly as possible.

Be sure to read the terms and conditions on your lender’s website to make sure you understand the terms of the contract. Although MoneyMutual is a free service, each lender has its own terms and conditions.

MoneyMutual Reviews: What Customers Are Saying

The payday loan industry is filled with shady companies. However, MoneyMutual is one of the best known and oldest companies in the industry. With celebrity endorsements from Montel Williams and over a decade of experience, MoneyMutual has helped over 2 million people access the money they need.

Here are some of the MoneyMutual reviews from verified customers online:

Most customers agree that MoneyMutual works as advertised to provide them with sources of short-term funding, bringing borrowers and lenders together in a transparent marketplace.

Customers love MoneyMutual because of the transparent rates and lending system, which makes it easy to see the best deal from each lender

Many use MoneyMutual after seeing the advertisements on television, finding that MoneyMutual lives up to its claims of providing efficient loans to people in need.

Some customers even praise MoneyMutual’s customer service, which is not the strong point of most payday loan companies.

Negative reviews tend to leave bad reviews because of bad interactions with the third-party lender, not because of bad interactions with MoneyMutual; some lenders have high interest rates and fees, for example, which may surprise customers who don’t read the terms and conditions

MoneyMutual Requirements

To borrow money through MoneyMutual, you must meet the following conditions:

  • Be at least 18 years old
  • Have at least $800 per month of verifiable income
  • Have a checking account

Some lenders require additional items from borrowers, such as an SSN. Others, however, require no additional information or data.

About MoneyMutual

MoneyMutual is a free online resource based in Las Vegas, Nevada. The company is not a lender: it partners with lenders to help people find payday loans for their short-term financial needs.

Between 2010 and 2018, Montel Williams was the spokesperson for MoneyMutual.

You can contact MoneyMutual via:

  • E-mail: customerservice@moneymutual.com
  • Call: 844-276-2063

Last word

40% of Americans would not be able to come up with $400 in an emergency, according to the Economic Well-Being of US Households report.

To get a fast, easy and affordable payday loan from a trusted lender, visit MoneyMutual.com today. The website connects you with dozens of lenders in your area to ensure you get the best deal, and you can get $200 to $5,000 deposited into your account in as little as 24 hours.

To learn more about MoneyMutual or to apply online today, visit the official website at MoneyMutual.com.

Affiliate Disclosure:

Links in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.

Warning:

Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure, or prevent any disease or to provide any type of enrichment program.

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The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

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