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Free No Fax Payday Loan - The Way To Go

2009-05-02T17:23:00.000-07:00

No fax payday loans are increasing in popularity. Short-term cash advances are designed to meet your emergency financial needs. No fax payday loans are also perfect for those times when you need a little extra cash for unexpected bills or special occasions.
The fee for a payday advance is $25.00 for every $100.00 loaned. For instance, loans in the amount of $300.00 have a payback amount of $375.00. Payday loans are usually paid back within two weeks, however, you can extend the loan. To extend a no fax free payday loan you just make at least the minimum payment owed on the cash advance. First-time borrowers of funds can request up to $600.00, and first-time borrowers can get a free payday advance *.

How to get a free no fax Payday Loan

There are few requirements to obtain a no fax payday loan: you
must have a checking account that is at least 90 days old,
employment of at least 6 months, and a net monthly income of
$1000.00 or more. The application process for a free no fax payday loan is fast
and easy; no faxing is required. If your online cash advance
application is approved by 5 pm est, monday - friday, then you
will receive the cash in your bank account overnight. You can
apply for a $400 loan and no faxing is required at all.

How do no fax payday loans work?

After your no fax payday loan is approved, you will receive the
funds in your bank checking account the next day. You will then
have to submit a payment request which tells them how much you
want to pay on your loan when it is due. You will want to be
sure to submit a request or the entire amount will be debited
from your account by default. When these loans are due, the
money is debited directly from your checking account on the date
due. Once you have paid off your no fax payday loan, you may
apply for bad credit payday loans of up to $1000.00 when ever
you need them.

* Finance fees will be waived on your loan when you submit a
cash advance payment request online to pay the free no fax pay
day loan in full on your due date.

Our lender is a top payday advance company, and offers you a
free no fax payday loan if you’re a first-time customer. Our
free no fax payday loans can be filled out completely online
without any hassles. Our cash advances are also no fax, allowing
for a paperless and faxless inexpensive loan. Apply now for your
free payday loans and receive your cash advance the very next
day. Their friendly payday loan staff is on hand to answer any
no fax payday loans or cash advance question or concern you may
have. If you need an easy way to get a check advance then our
lender is the way to go.

What you will need for a free no fax payday loan:

- A CHECKING account that is at least 3 months old
- Currently employed, making at least $1000 net pay per month
You will be turned down for a no fax payday loan if:
- You are currently unemployed
- You have filed for bankruptcy within the past year, or have
filed multiple times
- You have been employed at your present job for 5 months or
less
- You have an outstanding payday loan and/or unpaid returned
checks
- You have multiple NSF/Overdraft fees in your bank account
- Your monthly NET income is below $1000.00
- You have a newly opened checking account
- We are unable to successfully identify your personal
information
- Your contact information/reference information is invalid
- You are paid monthly
- We are unable to verify your bank account information

How much can I borrow with a no fax Payday Loan?

For first time borrowers you can get $200, $300 , $400, $500, or
$600. After paying off your first no fax payday loan, you can
borrow up to $700. Once you have paid off your $600 loan, you
are then eligible for a $700 advance. After paying your $700
loan, you can step up $100.00 at a time up to a maximun of
$1000!

How soon till I get my no fax Payday Loan cash?

If your application is approved by 5 pm EST you will receive the
loan funds the next business day. Please be sure to verify that
you have submitted the correct bank routing number and checking
account number. This will enable us to get the no fax payday
loan funds to you as soon as possible.

What if I have poor credit or have filed bankruptcy?
If you have poor credit it will not affect the approval of your
loan. However, if you have filed for bankruptcy within the past
year or if you have filed multiple times, our lenders will not
be able to extend an advance to you.

How much does a no fax payday loan cost?

The fee for a payday loan is $25 for every $100 borrowed. For
instance, if you borrow $300 the fees would total $75.
What is the period a no fax payday loan is designed for?
Cash advances are intended to be used for quick cash in the case
of a financial emergency. The loan period is generally 14 days,
but may be shorter in some cases.

How long does it take to get approved?

Depending on what time of day you apply and how quickly you
complete the application process, you can be approved within
minutes. But, bear in mind that we are open from 9 am to 6 pm
EST Monday through Friday. Please take these hours into
consideration when awaiting approval.

What happens when my no fax payday loan is due?

You will need to submit a payment request online no less than 2
business days prior to your due date. Please see the “Payments”
section of the FAQ page on the site for more information
concerning payment requests.

How does getting a no fax payday loan work in more detail?

The process by applicants is begun by filling out and digitally
signing our onsite application. Once submitted, we'll review
your application and notify you regarding your status. If your
no fax payday loan is approved, we will deposit the funds the
next business day (so long as you are approved by 5 pm EST,
during the business week). All applicants will be notified of
their status via email. Be sure to pay close attention to all
emails that you receive from our lender.

States and cities to find free no fax payday loans online:

Alabama - Arizona - Arkansas - California - Colorado
Connecticut - District of Columbia - Florida - Georgia - Hawaii
Idaho - Illinois - Indiana - Iowa - Kansas - Kentucky
Louisiana - Maine - Maryland - Massachusetts - Michigan
Minnesota - Mississippi -Missouri - Nebraska - Nevada - New
Hampshire - New Jersey - New Mexico - New York - North Carolina - Ohio
Oklahoma - Oregon - Pennsylvania - South Carolina - Tennessee
Texas - Virginia - Washington - Wisconsin

Wisconsin Free No Fax Payday Loans

2009-04-30T22:10:00.001-07:00

Wisconsin Free No Fax Payday Loans in - Milwaukee Madison
Green Bay Kenosha Racine Appleton Waukesha Oshkosh
Eau Claire West Allis and all other cities - quick cash loan
overnight!

Limited promo-Free first time loans to $1k, no fax, no credit
check
First time customers free! No finance charges or fees. No fax.
No credit checks. Fill out an easy online form to be approved
for up to $1000 in minutes. Overnight in your bank account for
what ever purpose you wish. We desire your business. It couldn't
be easier or more affordable. So come get the cash you need.
Payday loans are the fastest, easiest way to get the quick cash
you need to cover unexpected expenses. We offer faxless payday
loans and cash advances.

For indepth information regarding free overnight payday loans
and cash advances in Wisconsin and other US states cities, and
territories click here.
Wisconsin state regulations governing online payday loans and
cash advances are subject to change.
Wisconsin Payday loan laws. Wisconsin Payday loan legislation.
Wisconsin has specific payday advance laws. The rate of interest
is determined by the parties to the loan.
The term of a payday loan is determined by the parties to the
loan. Maximum amount of a cash advance N/A. Rollovers are not
limited.
Citation:Wis. Stat. § 138.09
Loan Terms:Maximum Loan Amount: Not SpecifiedLoan Term: Not SpecifiedMaximum Finance Rate and Fees: No LimitFinance Charge for 14-day $100 loan: No LimitAPR for 14-day $100 loan: No Limit
Debt Limits:Maximum Number of Outstanding Loans at One Time: No LimitRollovers Permitted: Not SpecifiedCooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: $15 NSF fee if check returned due to no account
open at bank, insufficient funds or insufficient credit. Check
presentment limit: two times. Criminal Action: Prohibited (per Wisconsin worthless check law,
a check given to secure a loan isn't "worthless")
Wisconsin Payday loans instant approval in - Milwaukee Madison
Green Bay Kenosha Racine Appleton Waukesha Oshkosh
Eau Claire West Allis

Washington Free No Fax Payday Loans

2009-04-30T22:08:00.001-07:00

Washington Free No Fax Payday Loans in - Seattle Spokane
Tacoma Vancouver Bellevue Everett Federal Way Kent
Yakima Bellingham get instant approval for a free online
payday advance in all other cities as well!

Ultra fast - Free loans for 1st time customers, no credit check
First time loan free! No finance charges / fees. No fax. No
credit checks. Fill out our ez online form to be approved for up
to $1000 in minutes. Overnight in your account for what ever
purpose you wish. We want your business!

For indepth information regarding free online payday loans and
cash advances in Washington and other US cities, states and
territories.
Washington statutory regulations concerning online payday loans
and cash advances are subject to change.
Washington Payday loan laws. Washington Payday loan legislation.
Washington has specific payday advance laws. The permitted fee
is 15 % of the principal on the 1st $500 borrowed; 10% on any
amount over $500. The permitted time period is a maximum of 45
days.
The maximum amount of the payday loan allowable is $700.00.
Rollovers are prohibited.
Legal Status: Legal (Lender must have a small loan endorsement
to their check casher license in order to make payday loans)
Citation:Wash. Rev. Code Ann. § 31.45.010 et seq.
Loan Terms:Maximum Loan Amount: $700Loan Term: Max: 45 daysMaximum Finance Rate and Fees: 15%: first $500; 10%: remaining
portion of the loan in excess of $500 up to the $700 maximumFinance Charge for 14-day $100 loan: $15APR for 14-day $100 loan: 390%
Debt Limits:Maximum Number of Outstanding Loans at One Time: A company
cannot hold a check or checks in an aggregate face amount of
more than $700 plus allowable fees from any one borrower at any
one time.Rollovers Permitted: None (cannot repay loan with proceeds of
another)Cooling-off Period: Repayment Plan: A company and a borrower may voluntarily enter a
payment plan at any time. A borrower, however, has a right to
convert a small loan to a statutory payment plan after four
successive loans and prior to default on the last loan.
Collection Limits:Collection Fees: $25 NSF fee (one time per instrument);
collection costs (excluding attorney's fees, interest and
damages) Criminal Action: Prohibited
Washington Payday loans online and free in - Seattle Spokane
Tacoma Vancouver Bellevue Everett Federal Way Kent
Yakima Bellingham

Virginia Free No Fax Payday Loans

2009-04-30T22:05:00.000-07:00

Virginia Free No Fax Payday Loans in - Virginia Beach Norfolk
Chesapeake Richmond Newport News Arlington Hampton
Alexandria Portsmouth Roanoke and all other cities eligible
for instant cash online payday advance!

Limited offer - No charge EZ overnight cash loans up to $1000
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out an easy online form to be approved instantly
for up to $1000. Deposited overnight in your account for any
purpose you wish. We desire your business.

For indepth information concerning free online payday loans and
cash advances in Virginia and other US cities, states and
counties.
Virginia statutory regulations concerning online payday loans
and cash advances are subject to change intermittently.
Virginia Payday Loan Laws & LegislationVirginia Payday Loans. The Virginia State Legislature passed a
new payday loan law in April 2008 which put a 36% interest rate
cap on small consumer loans. It also mandated that a statewide
database of payday loan transactions be created and all
prospective borrowers be screened against this database. It is
anticipated the majority of the brick-n-mortar payday loan
operators will abandon the payday loan market to the payday loan
Internet and offshore operators.
We suggest you concentrate your research on the Payday Loan
Internet Model and the Credit Services Organization as described
here. Although our discussion focuses on the Texas Credit
Services Organization Model, you and your team may determine it
is appropriate for a multiplicity of states.
Payday loan restrictions. New regulations will restrict some
payday loans. A law goes into effect July 8th that requires the
State Corporation Commission by Jan. 1 to contract with third
parties to develop and maintain an Internet database that payday
lenders will have to check before issuing loans. Among other
things, payday lenders will be prohibited from issuing loans to
borrowers who already have outstanding payday loans.
Virginia Payday loan laws. Virginia Payday loan legislation.
Virginia has specific payday advance laws. The permitted fee is
15 % of the face amount of the payday loan amount. The permitted
time period is a minimum of 7 days.
The maximum amount of the payday loan allowable is $500.00.
Rollovers are prohibited.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to Payday and Paycheck Loans.com
Senator threatens to pull payday lending bill if changes madeBy DENA POTTERAssociated Press Writer February 12, 2007
RICHMOND, Va. -- The sponsor of the last surviving piece of
legislation to rein in the payday loan industry threatened
Monday to pull his bill if opponents try to place harsher
restrictions on the short-term, high-interest lenders.
Sen. Richard L. Saslaw's industry-backed bill is the only one
remaining out of more than a dozen introduced this year to
either reform the industry or repeal the 2002 law that allowed
payday lenders to sidestep the state's 36 percent annual
interest rate limit.
Efforts in the House to reform the industry died last week when
the bill's sponsor struck his legislation after an amendment was
added to cap the annual interest rate payday lenders could
charge at 72 percent.
Saslaw said he would follow suit, killing all hopes of reform
this year.
"If any amendment gets put on it that I don't like, I certainly
will" strike the bill, said Saslaw, D-Fairfax.
Del. Jennifer L. McClellan, D-Richmond, who fought for the 72
percent interest rate cap on the House version of the bill, said
legislators were hoping for a compromise before Tuesday, when a
House committee is scheduled to hear the bill.
"I think it depends how close we are to a deal this afternoon,"
she said. "If we can't reach a deal today, I think probably the
bill will be stricken."
McClellan said she could live without the 72 percent interest
rate cap as long as some sort of measures to protect repeat
borrowers--like a cap on the number of loans an individual could
take out in a year--were added.
The bill would create a statewide database to track payday loans
and limit to three the number an individual can have out at one
time. It also would require a 24-hour cooling off period before
someone can take out a loan after paying one off and allow
borrowers with three loans to have 60 days to pay them off.
Payday loans work by allowing a borrower to write a check up to
$500, plus a fee for $15 for every $100 borrowed. The company
holds the check until the customer's next payday, when he or she
either pays off the loan or the lender cashes the check.
The average payday loan customer in Virginia took out seven
loans in 2005, but opponents say that number is deceiving
because most customers borrow from one lender to pay off
another.
"To me, the goal has always been to break the repeat borrower
cycle, and an interest rate cap is one way to do it, but it's
not the only way," McClellan said. "Their goal is to stay in
business, and the question really is are those two goals
compatible?"
The industry already has come a long way, said Jamie Fulmer,
investor relations director for Advance America, Cash Advance
Centers Inc., the nation's largest payday lender.
"We certainly believe that the reforms that are out there
represent very significant steps toward the protection of
customers," Fulmer said.
Industry supporters have said a 72 percent cap would put the
nearly 800 Virginia stores out of business, allowing them to
charge only $2.77 for a $100 two-week loan.
In 2005, 445,000 customers in Virginia took out more than 3.3
million payday loans, according to industry figures. Supporters
argue that cutting out payday lenders would force customers to
either bounce checks, pay high credit card or utility late fees
or turn to illegal Internet loan companies that charge much
higher rates.
Virginia is one of 38 states and the District of Columbia that
allow payday lending in some form. The businesses are prohibited
in neighboring West Virginia, Maryland and North Carolina.
Legislation in several states aims to clamp down on the
industry.
McClellan said she would prefer nothing pass rather than the
General Assembly put in place meaningless reform.
Citation:Va. Code Ann. § 6.1-459 et seq.
Loan Terms:Maximum Loan Amount: $500Loan Term: Min: 2 pay periodsMaximum Finance Rate and Fees: 36% annual interest + $5
verification fee + 20% of loanFinance Charge for 14-day $100 loan: $26.38APR for 14-day $100 loan: 687.76%
Debt Limits:Maximum Number of Outstanding Loans at One Time: OneRollovers Permitted: None (cannot refinance, renew, or extend)Cooling-off Period: 1 day after pay, 45 days after 5th loan, 90
days after pay planRepayment Plan: Yes, once per year
Collection Limits:Collection Fees: $25 NSF fee; Court Costs; Reasonable Attorney's
Fees (not to exceed $250) Criminal Action: Prohibited
Virginia free online ultra fast Payday loans - Virginia Beach
Norfolk Chesapeake Richmond Newport News Arlington
Hampton Alexandria Portsmouth Roanoke

Texas Free No Fax Payday Loans

2009-04-30T22:02:00.000-07:00

Texas Free No Fax Payday Loans in - Houston Dallas San
Antonio Austin El Paso Fort Worth Arlington Corpus
Christi Plano Garland and all other cities - quick cash
loan overnight!

Limited promotional-Free payday loans to first time customers to
$1000
First loan free! No finance charges or fees. No fax. No credit
check. Simply fill out an easy online form to be approved for up
to $1000 in minutes. Overnight in your account for what ever
purpose you wish. We want your business.

Indepth information about free online payday loans and cash
advances in Texas and other US cities, states and counties.
Texas statutory regulations about online payday loans and cash
advances are subject to change intermitently.
Texas CSO. Texas Credit Services Organization. Texas Payday loan
laws. Texas Payday loan legislation. Texas does have specific
payday loan safe-harbor legislation. Texas payday loan statutes
refer to a scale of fees. The minimum term is 7 days and the
maximum is 31 days. Rollovers are limited. At this time, the
best approach is to offer payday loans via the Internet, one of
the alternative methods (cash rebates, ISP model, etc.)
discussed in our training materials, or the newest model, the
CSO Model: Credit Services Organization approach.
A Discussion of the Texas CSO Model for Payday LoansBeginning in July of 2005, the major Texas payday loan operators
began registering as "Credit Services Organizations" commonly
referred to as a "CSO". This includes Advance America, Cash
America, First Cash, EZ Pawn, and EZ Cash in addition to many,
many small payday loan operators.
Prior to the switch over to the CSO model, virtually all these
cash advance operators utilized the bank-charter model;
partnering with banks incorporated in states lacking usury laws
(referred to as the "payday loan bank model". By partnering with
these banks and acting as brokers, the payday loan operators
were able to export the usury rate applicable to their partner
bank into Texas; or whatever state the payday loan
operator/broker located.
What is a CSO Credit Services OrganizationIn essence, a CSO or Credit Services Organization is defined by
the Texas Credit Services Organization Act (Section 393 of the
Texas Finance Code) as an entity or person that provides one of
the following services:
Improving a consumer's credit history or rating Obtaining an extension of consumer credit for the consumer Providing advice or assistance to a consumer regarding the
previous two services
An important aspect of the CSO or Credit Services Organization
model is that there IS NO LICENSING required by the state! CSO's
are required to "REGISTER" with the Secretary of State, they are
NOT licensed, AND THEIR FEES ARE NOT REGULATED.
How does the CSO Credit Services Organization work with payday
loans?The CSO Credit Services Organization operates as a broker, much
as they did when partnering with the banks (payday loan bank
model). The Texas Credit Services Organization Act (CSOA) allows
the payday loan lender to register as a CSO and act as a loan
broker. Thus, the CSO, previously a payday loan company, can
make loans via consumer lending companies that are UNREGISTERED
and UNLICENSED. The CSO Credit Services Organization acts as a
broker for the consumer in need of funds by issuing a "letter-
of-credit" on behalf of the consumer to a lender. This third-
party unregistered lender funds the "loan" brokered by the CSO
"broker".
Typically the CSO Credit Services Organization collects 3 fees: A referral fee for referring the consumer to the unregistered,
unregulated lender that actually funds the "loan". This is not
stipulated by any law but is currently $20 to $30 per $100An application fee for filling out the CSO documents; typically
$10 per $100The interest on the "loan"; Texas state law caps this at $10 per
$100.The CSO Credit Services Organization model arises from a U.S.
Fifth Circuit Court of Appeals opinion, in Lovick vs. Rite
Money, which held that payments to a registered CSO loan broker
could not be treated as interest.
The applicability of the CSO Credit Services Organization to use
in other states is being explored now. Thirty-one states plus
Canada have provisions for the CSO Credit Services Organization
entity. Since it is typical of the CSO not to be regulated, and
the fact that the CSO fees are not considered interest as per
the 5th Circuit Court of Appeals, there is little doubt we will
see this approach utilized on a grand scale in the future!
For a thorough discussion of the CSO Credit Services
Organization Model including the applicable Texas Statutes and
the CSO Registration Form for Texas, we invite you to Payday
Loan CSO Report.
Citation:7 Tex. Admin. Code § 1.605; Tex. Fin. Code Ann. §§ 342.251 et
seq. and 342.601 et seq.
Loan Terms:Maximum Loan Amount: Loan Term: 7-31 daysMaximum Finance Rate and Fees: $10 per loan + 48% annual
interestFinance Charge for 14-day $100 loan: $12APR for 14-day $100 loan: 309%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not Specified
($500 aggregate loans outstanding to all licensees)Rollovers Permitted: None (if renewal charge is less than
maximum interest rate permitted; otherwise convert to declining
balance installment note)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: Not Specified Criminal Action: Not Specified
Texas free online Payday loans in - Houston Dallas San
Antonio Austin El Paso Fort Worth Arlington Corpus
Christi Plano Garland

Tennessee Free No Fax Payday Loans

2009-04-30T22:00:00.000-07:00

Tennessee Free No Fax Payday Loans in - Memphis Nashville
Knoxville Chattanooga Clarksville Murfreesboro Jackson
Johnson City Kingsport Franklin and all other cities
eligible for instant cash online payday advance!

Special promo-Free loan to $1000 - 1st time borrowers No Credit
Check!
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out an easy online form to be approved instantly
for up to $1000. Overnight in your account for what ever purpose
you wish no questions. We want your business.

See here for more indepth information about free online payday
loans in Tennessee and other US cities, states and counties.
Tennessee statutory regulations about online payday loans and
cash advances are subject to change from time to time.
Tennessee Payday loan laws. Tennessee Payday loan legislation.
Tennessee has specific payday advance laws. The permitted fee is
15 % of the face amount of the payday loan amount or $30,
whichever is less. The permitted time period is a maximum of 31
days.
The maximum amount of the payday loan allowable is $500.00.
Rollovers are prohibited.
Citation:Tenn. Code Ann. §45-17-101 et seq.
Loan Terms:Maximum Loan Amount: $500Loan Term: Max: 31 daysMaximum Finance Rate and Fees: the lesser of 15% of the check or
$30Finance Charge for 14-day $100 loan: $17.65APR for 14-day $100 loan: 459%
Debt Limits:Maximum Number of Outstanding Loans at One Time: 3 (2 per
licensee)Rollovers Permitted: None (cannot renew or otherwise
consolidate)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: One $30 NSF Fee; Court Costs Criminal Action: Prohibited
Tennessee Payday loans online in - Memphis Nashville
Knoxville Chattanooga Clarksville Murfreesboro Jackson
Johnson City Kingsport Franklin

South Carolina Free No Fax Payday Loans

2009-04-30T21:56:00.000-07:00

South Carolina Free No Fax Payday Loans in - Columbia
Charleston North Charleston Greenville Rock Hill Mount
Pleasant Spartanburg Sumter Hilton Head Island Florence
get instant approval for a free online payday advance in all
other cities as well!

Special - Free first time loan up to $1,000 - Payday Advance
We want your business. First loan free! No finance charges or
fees. No fax. No credit checks. Fill out an easy online form to
be approved for up to $1000 in minutes. Overnight in your
account for any purpose you wish, no questions.

See here for more indepth information about free online payday
loans in South Carolina and other US cities, states and
counties.
South Carolina statutes regulating online payday loans and cash
advances are subject to change from time to time.
South Carolina Payday loan laws. South Carolina Payday loan
legislation. South Carolina has specific payday advance laws.
The permitted fee is 15 % of the face amount of the payday loan
amount. The permitted time period is a maximum of 31 days.
The maximum amount of the payday loan allowable is $300.00.
Rollovers are prohibited.
Legal Status: Legal
Citation:S.C. Code Ann. 34-39-110 et seq.
Loan Terms:Maximum Loan Amount: $300Loan Term: Max: 31 daysMaximum Finance Rate and Fees: 15% Finance Charge for 14-day $100 loan: $15APR for 14-day $100 loan: 390%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not SpecifiedRollovers Permitted: NoneCooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: Lesser of: NSF fee of $10 or actual charge Criminal Action: Prohibited
South Carolina free online Payday loans - Columbia Charleston
North Charleston Greenville Rock Hill Mount Pleasant
Spartanburg Sumter Hilton Head Island Florence

Oregon Free No Fax Payday Loans

2009-04-30T21:54:00.001-07:00

Oregon Free No Fax Payday Loans in - Portland Eugene Salem
Gresham Hillsboro Beaverton Medford Springfield Bend
Corvallis and all other cities eligible for instant cash online
payday advance!

Special Limited Offer - Free Loan Up To $1000 First Time
Customers
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out our EZ form to be approved for up to $1000 in
minutes. Overnight in your account for what ever purpose you
wish, No questions asked. We want your business.
Go here for additional information about free online payday
loans in Oregon including US cities, states and counties.
Oregon laws regulating online payday loans and cash advances are
subject to change periodically.

Oregon Payday Loan Laws & LegislationOregon Payday loan laws. Oregon Payday loan legislation. The
Oregon State Legislature passed a new law in 2007 that placed a
36% APR (Annual Percentage Rate) on small consumer loans.
Virtually all the Oregon payday loan brick-n-mortars closed
their doors as a result.
This has had an abysmal impact on residents of Oregon who
sometimes require access to small, $300 - $1000 temporary loans.
See Oregon Payday Loan Consumers Suffer Without Access to Small
Loans
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to PaydayLoanIndustry.com
If you have an interest in pursuing a payday loan business in
Oregon, we suggest you concentrate your research on the Payday
Loan Internet Model and the Credit Services Organization as
described here. Although our discussion focuses on the Texas
Credit Services Organization Model, you and your team may
determine it is appropriate for a multiplicity of states.
This Credit Service Organization Model is quite new to the
payday loan industry but, in the opinion of many legal minds,
offers great promise.
House passes bills on payday lenders, rates Loans - Business
owners say the regulations will put them out of business
Wednesday, February 14, 2007
The Oregonian
SALEM -- The Oregon House on Tuesday passed four bills to
regulate check cashing businesses and plug loopholes in a law
that caps soaring interest rates charged by payday lenders.
"Oregon has long needed this kind of legislation to protect low
-income families from predatory lending practices," said Rep.
Paul Holvey, D-Eugene, chairman of the House Consumer Protection
Committee that urged approval of the bills.
Payday lenders say the legislation will put them out of
business. Rep. Jerry Krummel, R-Wilsonville, who led a 90-minute
floor debate against the bills, argued the Legislature might as
well ban payday and car-title lenders.
"We are telling a particular class of businesses that we are
going to over regulate you until you go out of business because
we don't have the guts to prohibit you flat out," he said.
Supporters argued check cashing businesses and short-term
lenders have survived similar regulations in other states. All
of the bills passed by more than a two-thirds majority and will
go to the Senate, where they will be assigned to a committee.
Gov. Ted Kulongoski requested the bills and says he will sign
them.
House Majority Leader Dave Hunt, D-Gladstone, said the passage
of the bills reflects how dramatically the political climate has
changed in Salem with Democrats in control of both legislative
chambers and the governor's office. Two years ago, he said,
Democrats couldn't get a payday lending bill to the floor for a
vote.
The new bills put a 36 percent interest rate cap on short-term
car title loans and on Internet payday loans that do business in
Oregon, restrict fees charged by check cashers, create an
electronic tracking system for payday loan borrowers and make it
difficult for short-term lenders to use a different lending
license to circumvent interest rate caps.
Oregon's 360 payday loan stores make small advance loans on
paychecks averaging about $300, usually for about two weeks.
They commonly charge an annual interest rate of 521 percent. Car
title lenders also make small, short-term loans using the title
as collateral.
The law passed by the Legislature last year limits payday
lenders to charging a one-time fee of $10 per $100 loaned, plus
36 percent annual interest on a maximum of two renewals or
rollovers. The bills passed by the House on Tuesday would extend
those same restrictions to car title lenders and Internet payday
lenders. The bills would not be enacted until July 1, when the
law passed last April takes effect.
Some lenders have tried to avoid interest caps by making loans
under a conventional consumer license, which have no caps on
interest. In an effort to close that loophole, the House passed
another bill Tuesday that requires 90 percent of the loans made
under a conventional license to exceed six months.
The check cashing bill would limit charges for state, federal or
city checks to $5 or 2 percent of the check's value, whichever
is greater. Check cashing businesses, currently unregulated,
could charge 3 percent for payroll and other government checks
or up to 10 percent for personal checks because of greater risk.
That law would take effect Jan. 1.
Opponents said the bills overstep the role of government, give
too much oversight authority to the state and restrict
individual choice.
"Why are we trying to make financial decisions for people?"
Krummel asked.
Supporters argued government has a role to protect consumers
from usurious interest rates.
"The practice of charging an unfair or excessive amount of
interest," said Rep. Suzanne Bonamici, D-Beaverton, "has been
criticized, scorned and restricted on moral, ethical and legal
grounds for thousands of years."
Staff writer Michelle Cole contributed to this story.
Citation:54 Or. Rev. Stat. Ann. § 725.600 et seq.
Loan Terms:Maximum Loan Amount: Not SpecifiedLoan Term: Min. 31 daysMaximum Finance Rate and Fees: 36% APR interest, $10/$100 fee up
to $30Finance Charge for 14-day $100 loan: $13 for 31 day loanAPR for 14-day $100 loan: 156% APR for 31 day loan
Debt Limits:Maximum Number of Outstanding Loans at One Time: OneRollovers Permitted: Two (renewals)Cooling-off Period: 7 days after prior loan expiresRepayment Plan:
Collection Limits:Collection Fees: One $20 NSF fee + additional bank charges Criminal Action: Not Specified
Oregon online Payday loans - Portland Eugene Salem Gresham
Hillsboro Beaverton Medford Springfield Bend
Corvallis

Oklahoma Free No Fax Payday Loans

2009-04-30T21:51:00.001-07:00

Oklahoma Free No Fax Payday Loans in - Oklahoma City Tulsa
Norman Lawton Broken Arrow Edmond Midwest City Enid
Moore Stillwater get instant approval for a free online
payday advance in all other cities as well!

Need Cash? Free First Time Loan Up To $1,000 No Credit Check/Fax
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out an easy online form to be approved for up to
$1000 in minutes. Overnight in your account for what ever
purpose you wish. We want your business.

See here for additional information about free online payday
loans in Oklahoma including US cities, states and counties.
Oklahoma laws concerning online payday loans and cash advances
are subject to change periodically.
Oklahoma Payday loan laws. Oklahoma Payday loan legislation.
Oklahoma has specific payday advance laws. The permitted fee is
$15 per $100 advanced up to the first $300. The cash advance fee
is $10 per $100 advanced in excess of $300. The permitted time
period is a minimum of 12 days and a maximum of 45 days.
The maximum amount of the payday loan allowable is $500.00.
Rollovers are prohibited. Additionally, Oklahoma uses a state
data base.
Legal Status: Legal
Citation:Okla. Stat. Tit. 59 § 3101 et seq.
Loan Terms:Maximum Loan Amount: $500Loan Term: 12-45 daysMaximum Finance Rate and Fees: $15 per $100: $0- $300; $10 per
$100: $301-$500Finance Charge for 14-day $100 loan: $15APR for 14-day $100 loan: 390%
Debt Limits:Maximum Number of Outstanding Loans at One Time: TwoRollovers Permitted: None (cannot renew; a loan made within 13
days after a previous one was entered into shall be considered a
renewal and shall not be made)Cooling-off Period: Second business day after the 5th
consecutive loan repaidRepayment Plan: Yes
Collection Limits:Collection Fees: $25 NSF fee (if disclosed) unless dishonored
due to theft or forgery Criminal Action: Prohibited
Oklahoma free online Payday loans - Oklahoma City Tulsa
Norman Lawton Broken Arrow Edmond Midwest City Enid
Moore Stillwater

Ohio Free No Fax Payday Loans

2009-04-30T21:48:00.001-07:00

Ohio Free No Fax Payday Loans in - Columbus Cleveland
Cincinnati Toledo Akron Dayton Parma Youngstown
Canton Lorain and all other cities - quick cash loan
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Overnight
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out our easy online form to be approved for up to
$1000 in minutes. Overnight in your account for what ever
purpose you wish. We want your business.

Click here for additional information about free online payday
loans in Ohio including US cities, states and counties.
Ohio laws concerning online cash advances and payday loans are
subject to change from time to time.
Ohio Payday Loan Laws & LegislationIn May 2008, the Ohio State Legislature passed a law capping the
interest rate on small consumer loans at 28%. Of course
residents of Ohio still access the payday loan product via
payday loan Internet web sites and call centers.
We suggest you concentrate your research on the Payday Loan
Internet Model and the Credit Services Organization as described
here. Although our discussion focuses on the Texas Credit
Services Organization Model, you and your team may determine it
is appropriate for a multiplicity of states.
Ohio Payday Loan Laws Update July 12th, 2008
Ohio’s attorney general has approved proposed language for use
in a petition drive seeking to repeal new payday loan
regulations set to become effective in 2009.
Supporters of the payday loan industry required AG Nancy Hardin
Rogers to OK the language for petitions seeking to get a
referendum for the law’s repeal on the November ballot.
Rogers approved as "fair and truthful" the petition drive’s
summary of the pertinent portion of the law.
The new law, if it actually becomes effective in 2009, caps
annual interest rates at 28%, down from 391%.
Gov. Ted Strickland on June 2 signed the bill that puts the new
restrictions into effect. Payday lending businesses point out
that the law change would force them to close offices, lay off
thousands of employees, and remove another financial choice Ohio
residents currently have .
Rather than regulate the payday loan product out of business, if
the new law were to take effect, it would force Ohio payday loan
consumers to apply for payday loans via the Internet or call
centers.
Regulators cannot put an end to demand for payday loans! At
best, they simply force consumers to reveal their social
security and bank account information to payday loan companies
residing in other states or offshore.
Additionally, the state loses the revenue derived from licensing
and auditing, employment and sales taxes. It’s ridiculous!! Why
not let the market dictate rates and fees by allowing
competition to exist? Guess they THINK they know what’s best for
ALL of us.
Ohio Payday Loans Laws & Legislation Developments
We like the fact that the payday loan industry remains creative
and optimistic about its future. Could that be because we
interface with our customer every day thus gaining tremendous
insight into their needs? Unlike those who continue to attack
our industry without doing the work necessary to understand the
payday loan industry and our customers?
Ohio regulators recently decided they know what’s best for all
of us by attempting to destroy our product and reduce the
financial choices available to their residents. This despite the
fact there have been virtually zero complaints by consumers
regarding our industry.
Had the regulators attempted to learn as much about the payday
loan customer as we have, they would have learned our product
cannot be stopped. By eliminating the ability of payday loan
stores to maintain physical locations in their state they have
simply forced residents of Ohio to secure their small $200 to
$1000 emergency loans from payday loan call centers and Internet
sites residing in other states and offshore.
Thus the state of Ohio loses licensing fees, auditing revenue,
jobs for Ohio residents (estimated to be 6,000+) and, most
importantly, the ability to protect their residents from abuse,
due-process, and privacy concerns.
Meanwhile, us pesky payday loan operators are creatively
developing new products and methods in order to continue to help
residents of Ohio meet their emergency financial needs AND make
a buck.
Since controversial House Bill 545 first cleared the state House
of Representatives in April, six payday lending companies have
sought licenses to make loans under the state’s Small Loan and
the Ohio Mortgage Loan acts. Not as lucrative as payday lending,
short-term loans permitted under either statute can be made with
the equivalent of triple-digit annual percentage rates - similar
to the combination of fees and rates that prompted lawmakers to
target the industry with H.B. 545.
Payday lenders still must determine if we can remain profitable
by making small, short-term loans, and face the legal
difficulties. But these license applications indicate those of
us in the payday loan industry are not willing to quit Ohio, our
customers, or our revenue streams.
"We’re looking for ways to continue to service customers," said
Jeff Kursman, a spokesman for Mason-based Check ‘n Go, which
applied for 73 lending licenses under the Small Loan Act.
"Nothing is off the table."
Legal Status: Legal (-Low Cost)
Citation:Ohio Rev. Code Ann. §§ 1321.35 et seq.
Loan Terms:Maximum Loan Amount: $500Loan Term: Minimum: 31 daysMaximum Finance Rate and Fees: 28% annual interestFinance Charge for 14-day $100 loan: $1.08APR for 14-day $100 loan: 28%
Debt Limits:Maximum Number of Outstanding Loans at One Time: One, four per
yearRollovers Permitted: None Cooling-off Period: 2 loan limit in 90 daysRepayment Plan: Yes, 60 days, no fees
Collection Limits:Collection Fees: Bank charges (if disclosed); $20 collection
charge; Court Costs after default; damages Criminal Action: Prohibited
Ohio free Payday loans - Columbus Cleveland Cincinnati
Toledo Akron Dayton Parma Youngstown Canton Lorain

North Carolina Free No Fax Payday Loans

2009-04-30T21:46:00.001-07:00

North Carolina Free No Fax Payday Loans in - Charlotte Raleigh
Greensboro Durham Winston-Salem Fayetteville Cary
High Point Wilmington Asheville and all other cities
eligible for instant cash online payday advance!
Free Payday Advance Loans Up To $1000 - First Time Customers
Only
First loan free! No finance charges or fees. No fax. No credit
checks. Fill out an easy online form to be instantly approved
for up to $1000. Overnight in your account for what ever purpose
you wish. We want your business.
More information concerning free online payday loans in North
Carolina including US cities, states and counties.
North Carolina laws regulating online cash advances and payday
loans are subject to change from time to time.
North Carolina Payday Loan Laws & LegislationPayday loan laws sunset (expired) in North Carolina in August of
2001. Payday loan lenders were offered the option of either
becoming a licensed consumer finance lender and abiding by North
Carolina usury laws or closing operations.
North Carolina Payday loan laws. North Carolina Payday loan
legislation. North Carolina does not have specific payday loan
safe-harbor legislation. At this time, the best approach is to
offer payday loans via the Internet, one of the alternative
methods (cash rebates, ISP model, etc.) discussed in our
training materials, or the newest model, the CSO (Credit
Services Organization) approach.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to Payday and Paycheck Loans.com
Consumers who use payday lenders may not have the option soon
because of a decision Thursday by the state banking
commissioner.
The ruling only ordered Spartanburg, S.C.-based Advance America,
one of the nation’s largest payday lenders, to stop selling cash
advances. But the reason behind the decision applies to any
lender that outsources certain functions to out-of-state banks
to circumvent state laws capping interest rates, the state
attorney general said.
“This decision means that payday lenders using this rent-a-
charter model are operating illegally in North Carolina,”
Attorney General Roy Cooper said.
Payday lenders can charge interest rates exceeding
400 percent per year. Customers write a check, post dated to
their payday, that includes the loan amount plus interest,
generally a minimum of about $15 for every $100 loaned.
State law caps annual rates on small loans such as those sold at
payday lenders at
36 percent.
From 1997 to 2001, payday lending was legal.
But state legislators did not renew the legislation allowing it.
Since then, payday lenders have operated by affiliating
themselves with out-of-state banks. Those partnerships have
previously pre-empted state regulation under the Federal Deposit
Insurance Act.
Commissioner Joseph Smith Jr. found that Advance America flouted
the law by saying it was only an agent of out-of-state banks
when, in reality, it received the bulk of customer fees.
For example, Smith determined that Advance America continued to
operate after the state’s law expired by contracting the funding
and underwriting of its loans for a fee equal to about 10
percent of its revenue.
“We’re disappointed by the ruling, especially given the fact
that we provided such detailed records in support of the
legality of our operations,” Advance America spokeswoman Patsy
Alston said Thursday afternoon. “The ruling works to eliminate
one of the few short-term financing options that North Carolina
citizens have.”
Spokesmen for two other large payday lenders in the state, Check
’n Go and Check Into Cash, did not return phone calls Thursday.
Advance America can appeal the ruling to the state courts and to
the full N. C. Banking Commission.
The company stopped selling loans in North Carolina in mid-
September when First Fidelity Bank of Burke, S.D., said it was
suspending its arrangement with the company. Advance America
attorney Saul Pilchen, of Washington, did not return a phone
call Thursday afternoon seeking comment.
State Rep. Earl Jones, D-Guilford, who favors allowing payday
lenders to operate in the state, said the ruling does not
eliminate the demand for services offered by the stores.
“There’s a need that’s not being filled, and that’s why this
industry was able to thrive,” he said.
“Consumer groups and the banking industry need to come up with
legislation or policy that meets the needs of lower middle-class
working people,” he said.
The alternative is people turning to online lenders and other
unregulated sources, he said.
Earlier this year, a spokeswoman for Wachovia said the bank had
no plans to offer payday loans. A spokesman for Bank of America
declined to comment about the issue at the time.
In October the chief legal counsel for the N.C. Pawn Broker’s
Association said he expected to see an increase in business at
members’ shops if the commissioner decided to shut down payday
lenders.
Mark Pearce, president of the Durham-based Center for
Responsible Lending, said people would have other options, such
as credit unions, credit cards and other commercial lenders that
offer more reasonable interest rates, to meet their financial
needs.
“If there is a need, it’s already being met,” Pearce said.
“North Carolina families struggling to make ends meet should no
longer be ensnared in the payday lending trap.”
The State Employees’ Credit Union offers salary advances to
members at 12 percent — a lower rate than payday lenders. The
program forces borrowers to save by putting 5 percent of each
loan into a savings account as collateral and limits withdrawals
from the account. Not everyone is eligible to join the credit
union.
“Our focus is getting people to the point where they don’t have
to use the service,” spokeswoman Leigh Brady said.
Legal Status: Prohibited (N.C. Gen. Stat. § 53-281 authorizing
payday loans allowed to sunset in 2001)
Citation:The consumer finance act applies. N.C. Gen. Stat. § 53-173
Small Loan Rate Cap36% per year
North Carolina Payday loan advances - Charlotte Raleigh
Greensboro Durham Winston-Salem Fayetteville Cary High
Point Wilmington Asheville

New York Free No Fax Payday Loans

2009-04-30T21:43:00.001-07:00

New York Free No Fax Payday Loans in - New York Buffalo
Rochester Yonkers Syracuse Albany New Rochelle Mount
Vernon Schenectady Utica get instant approval for a free
online payday advance in all other cities as well!
Special Promo - Free First Time Payday Loans Overnight, No
Credit Check/Fax
First time customers free! No finance charges or fees. No fax.
No credit checks. Fill out our EZ online form to be approved for
up to $1000 in minutes. Overnight in your account for what ever
purpose you wish. We want your business. It couldn't be easier
or more affordable.

So come get the cash you need now!
More information concerning free online payday loans in New York
including US cities, states and counties.
New York statutes regulating online cash advances and payday
loans are subject to change from time to time.
New York Payday loan laws. New York Payday loan legislation. New
York does not have specific payday loan safe-harbor legislation.
At this time, the best approach is to offer payday loans via the
Internet, one of the alternative methods (cash rebates, ISP
model, etc.) discussed in our training materials, or the newest
model, the CSO (Credit Services Organization) approach.
New York State Information
Legal Status: Prohibited
Citation:Licensed lender law applies but interest rate is that agreed to
by contract. N.Y. Banking Law § 340 et seq. A check casher
licensee cannot make loans nor cash or advance any moneys on a
post dated check unless it is a payroll check. N.Y. Banking Law
§ 373. Criminal law sets the usury cap at 25%. N.Y. Penal Code §
190.40.
Small Loan Rate Cap25% per year
New York free Payday loans - New York Buffalo Rochester
Yonkers Syracuse Albany New Rochelle Mount Vernon
Schenectady Utica

New Mexico Free No Fax Payday Loans

2009-04-30T21:40:00.000-07:00

New Mexico Free No Fax Payday Loans in - Albuquerque Las
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Alamogordo Clovis Hobbs Carlsbad and all other cities -
quick cash loan overnight!

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First time customers free! No finance charges or fees. No fax.
No credit checks. Fill out an easy online form to be approved
for up to $1000 in minutes. Overnight in your account for what
ever purpose you wish. We want your business. It couldn't be
easier or more affordable. So come get the cash you need today.
More information concerning free online payday loan cash
advances in New Mexico including US cities, states and counties.
New Mexico statutes regulating online cash advances are subject
to change from time to time.
New Mexico Payday loan laws. New Mexico Payday loan legislation.
New Mexico has specific payday advance laws. The rate of the
loan is determined by the parties.
Effective November 2007: Payday loan laws prohibit renewals and
rollovers of payday loans, requires automatic 130-day payment
plans for those who cannot repay their payday loan on time,
imposes a 10-day cooling off period before individuals can
request another loan after being in a payment plan, adds new
consumer rights signage in payday loan locations, and requires
that information be provided in Spanish.
Consumers also will not be able to take out payday loans that
exceed 25 percent of their gross monthly income. Richardson, Lt.
Gov. Diane Denish, the Attorney General's Office, as well as
leadership in the state House and Senate, and a number of
consumer advocates pushed for the new rules during the past
three legislative sessions.
To monitor compliance with the new regulations, all payday
lenders operating in New Mexico must subscribe to a central
computer database that tracks payday loan activity. The
applicant's name and identifying information must be entered
into the database before a payday loan can be extended.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to Payday and Paycheck Loans.com
If you have an interest in pursuing a payday loan business in
New Mexico, we suggest you also research the Credit Services
Organization as described here. Although our discussion focuses
on the Texas Credit Services Organization Model, you and your
team may determine it is appropriate for a multiplicity of
states.
This Credit Service Organization Model is quite new to the
payday loan industry but, in the opinion of many legal minds,
offers great promise.
Compromise reached on proposed payday lending reformsNew Mexico Business Weekly - 4:02 PM MST Tuesday, February 13,
2007
Gov. Bill Richardson has announced a compromise among his
office, legislators and advocates for strong payday lending
reforms in the effort to get a payday lending regulation bill
through the Legislature.
Richardson appointed a bipartisan task force last year to
examine the issue and make recommendations. Efforts to pass such
legislation have failed in previous sessions.
A bill on payday lending was originally introduced by Rep. Patty
Lundstrom, D-McKinley. It is scheduled to go to the House floor
soon, says Gilbert Gallegos, spokesman for Richardson's office.
When it goes to the floor, a House floor substitute with the
changes will be offered. If it passes the House, the bill will
be sent to the Senate. Gallegos says key provisions of the
compromise include a maximum term for a loan of 35 days and a
minimum of 14 days as well as no renewals or rollovers of the
loans.
There would be an automatic 130-day, no-cost payment plan and a
lender could not litigate against a consumer if the lender did
not offer the consumer a no-cost payment plan, or while the
consumer is in a payment plan. Payment plans would be required
to have approximately equal successive payments and the
effective APR would be 42 percent.
Other requirements in the compromise legislation: Each payday
loan agreement shall conspicuously disclose in at least 12-point
type (font size) the consumer's right to enter into a fee-free
payment plan of at least 130 days. Each licensee would have to
provide signage conspicuously notifying the consumers of their
130-day fee-free payment plan rights.
Under the compromise, there would be a cap on all payday loans
of 25 percent of a borrower's gross monthly income. Consumers
would not be allowed to obtain payday loans while in any payment
plan and there would be a 10-day cooling off period after a
consumer completes a payment plan. Lenders would be able to
charge up to $15.50 per $100 borrowed and the nonsufficient
funds fee would be capped at $15 once per check. No waivers of
payment plans would be allowed.
Citation:N.M. Stat. Ann. § 58-15-32 to 38
Loan Terms:Maximum Loan Amount: $2,500Loan Term: 14 to 35 days, can be shorter by written agreementMaximum Finance Rate and Fees: $15.50 per $100; $.50
verification fee per $100Finance Charge for 14-day $100 loan: $16APR for 14-day $100 loan: 417.14%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Total capped at
25% gross monthly incomeRollovers Permitted: NoneCooling-off Period: 10 daysRepayment Plan: Yes, equal installments over 130 day period
Collection Limits:Collection Fees: $15 NSF fee one time per loan Criminal Action: Prohibited
New Mexico online Payday loans - Albuquerque Las Cruces
Santa Fe Rio Rancho Roswell Farmington Alamogordo
Clovis Hobbs Carlsbad

New Jersey Free No Fax Payday Loans

2009-04-30T21:38:00.000-07:00

New Jersey Free No Fax Payday Loans in - Newark Jersey City
Paterson Elizabeth Edison Township Woodbridge Township
Dover Township Hamilton Trenton Camden and all other
cities eligible for instant cash online payday advance!
Free payday loans up to $1000-1st time customers - no credit
check/fax
Let us help take the stress out of life. First time customers
free! No finance charges or fees. No fax. No credit checks. Fill
out an easy online form to be approved for up to $1000 in
minutes. Overnight in your account for what ever purpose you
wish. We want your business. It couldn't be easier or more

affordable. So come get the funds you need now!.
More information concerning free online payday loan cash
advances in New Hampshire and US cities, states and territories.
New Jersey state regulations regulating online cash advances are
subject to change from time to time.
New Jersey Payday loan laws. New Jersey Payday loan legislation.
New Jersey does not have specific payday loan safe-harbor
legislation. At this time, the best approach is to offer payday
loans via the Internet, one of the alternative methods (cash
rebates, ISP model, etc.) discussed in our training materials,
or the newest model, the CSO (Credit Services Organization)
approach.
Legal Status: Prohibited
Citation:Consumer loan act applies but rates as agreed to by contract.
N.J. Stat. Ann. tit. 17,§ 1 et seq. However, criminal law sets
the usury cap at 30%. N.J. Stat. Ann. § 2C: 21-19. A check
cashing licensee cannot cash or advance money on a postdated
check. N.J. Stat. Ann. § 17:15A-47.
Small Loan Rate Cap30% per year
New Jersey online Payday loans - Newark Jersey City Paterson
Elizabeth Edison Township Woodbridge Township Dover
Township Hamilton Trenton Camden

New Hampshire Free No Fax Payday Loans

2009-04-30T21:35:00.000-07:00

New Hampshire Free No Fax Payday Loans in - Manchester Nashua
Concord Derry Rochester Salem Dover Merrimack
Londonderry Hudson get instant approval for a free online
payday advance in all other cities as well!
Payday Advance - Free 1st time cash loan. No fax/ credit check
First time customers free! No finance charges or fees. No fax.
No credit checks. Fill out an easy online application to be
approved for up to $1000 instantly. Overnight in your account
for what ever purpose you wish. We want your business. It

couldn't be easier or more affordable.
See more information concerning free online payday loan cash
advances in New Hampshire and US cities, states and territories.
New Hampshire state regulations concerning online cash advances
are subject to change from time to time.
Update 2009Advance America announced it plans to close the 24 centers it
operated in the State of New Hampshire. The decision to close
the centers in New Hampshire comes after approval of legislation
that went into effect on January 1, 2009 that effectively
prohibits the offering of the cash advance product in that
state, and follows the Company's previously announced decision
to discontinue offering its line of credit product in New
Hampshire as a result of an agreement with the state's Bank
Commissioner.
Commenting on the closure of its centers in New Hampshire,
Advance America's President and Chief Executive Officer, Ken
Compton, said, "The recent law that went into effect in New
Hampshire imposed a 36% annual percentage rate cap on payday
loans, resulting in an effective ban of the industry there.
Unfortunately, eliminating the payday loan product as an option
does not eliminate the need for short-term credit in New
Hampshire, it simply eliminates a sensible financial choice for
thousands of hardworking people, and forces them into higher
cost alternatives such as fees for bounced checks or late
payments and risky loans from unregulated internet lenders. We
are disappointed that a majority of legislators and Governor
Lynch chose to take away a viable, regulated short-term credit
option from New Hampshire residents and put hundreds of
employees out of work, particularly during a period of broad
economic instability."
By Associated Press Jan 2009
New Hampshire's banking commissioner has denied a payday
lender's request to charge 365 percent interest on open-ended
lines of credit.
Banking Commissioner Peter Hildreth ruled Tuesday that South
Carolina-based Advance America Cash Advance Centers Inc.'s
proposal was unreasonable and predatory. The payday lender had
fought New Hampshire's 6-day-old law capping annual payday and
title loan rates at 36 percent.
Under its new proposal, Advance America wanted to loan money
under another section of the banking law that covers small
lenders and does not cap interest rates. Advance America
proposed charging between 365 percent and 456 percent in annual
interest, depending on whether the borrower allowed automatic
payment on the loan.
Hildreth said a consumer who borrowed $500 for a year and only
paid the 365 percent interest would pay $2,325 in interest
payments. He said that was oppressive. At the 456 percent rate,
the same consumer would pay $2,780 in interest payments over a
year.
"Brought down to its basic level, it just is not fair," Hildreth
said.
Advance America spokesman Jamie Fulmer said the company
generally did not agree with Hildreth's interpretation of the
law and was considering its options. Hildreth said the company
could appeal to the state Supreme Court.
"We remain committed to offering consumers access to credit
products and high-quality service in a competitive marketplace,
while doing everything we can to protect the jobs of the
approximately 50 New Hampshire citizens who we employ," Fulmer
said in a statement.
A state law took effect Jan. 1 capping the interest rate on
payday loans at 36 percent a year, which the industry said would
put it out of business. Advance America said last month it would
comply with the new law, but proposed the new loan product that
the company said was neither a payday nor title loan and
consequently should not be bound by the law capping interest
rates at 36 percent.
Payday lenders typically charge $20 per $100 for two-week loans
backed by the borrower's car title or next paycheck. That
amounts to an annual rate of 521 percent.
The cap translates to a daily interest rate of about 0.1
percent, or total interest charges of $1.38 _ a dime a day _ on
a $100, two-week loan.
Advance America had proposed establishing $500-$750 lines of
credit that borrowers could tap in small increments, with $10
being the smallest withdrawal. Advance America said the credit
offering was covered by a section of the banking laws for small
lenders that does not cap interest rates.
Hildreth said the state has a lot of lenders that fall into that
category, but none have charged more than 50 percent in annual
interest including loan penalties assessed on their borrowers.
Most offer small loans, such as $5,000, paid in monthly
installments, he said. The lenders do credit checks on borrowers
so they can charge low rates.
In his ruling, Hildreth said Advance America's proposal would be
an unfair trade practice. He said the proposal's terms and
conditions were vague and thus deceptive.
"The determination of unfairness and deception renders the
company's argument regarding the type of loan _ small loan vs.
payday _ moot," Hildreth wrote.
Hildreth said the Legislature's enactment of the 36 percent cap
reflected its policy on such high-interest loans as being
unfair.
"The unfairness was not that the loans were called payday or
title loans. The unfairness was because of the interest rates
charged," he wrote.
Hildreth said the ruling should serve as a warning to any other
lenders with similar, high-interest products.
"It should, in fact, be a warning to them that they should check
with the department before charging the rate," he said.
Otherwise, they could face a similar ruling, he said.
New Hampshire payday loan bill signed into law.
MANCHESTER, N.H. New Hampshire Gov. John Lynch signed House Bill
267, an act relative to payday loans, that caps interest rates
for payday loans and car-title loans at 36% in the state.
The cap on payday loans takes effect Jan. 1, 2009.
When the state's small-loan rate cap was eliminated in 2000,
payday lending was effectively legalized in New Hampshire.
Congress passed a 36% cap to protect military families
nationwide at the request of the Department of Defenses.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to PaydayLoanIndustry.com
Bill to put a cap payday loans in New Hampshire will die in the
state legislature.
State Rep. David Smith, D-Nashua, indicated he will fight a
House sub-committee recommending an end for his legislation to
cap, at 36 percent, what payday loan and title lenders can
charge for small consumer loans.
"I'm very disappointed in the subcommittee's vote," said Smith,
a retired banker.
Payday loan company officials suggestedif Smith's bill (HB 267)
became law, they may leave the state.
A majority on the House Commerce Committee endorsed an industry
sponsored plan to limit payday loans to $15 on $100 for a two-
week note, which is an annual interest rate of 360 percent.
A majority on the subcommittee also recommended the industry's
suggestion to cap their loans at $22 per $100 a month or 264
percent annually.
Advance America charges consumers $20 per $100 in cash advanced,
up to a maximum $500 loan in New Hampshire. A $100 loan plus the
$20 finance charge borrowed for two weeks works out to a 521
percent annual interest rate.
The sub-committee will meet later to take formal votes on the
alternatives to Smith's bills, which would also tighten state
regulation and provide consumers with more protections.
All these measures will come to the full House of
Representatives for a vote in 2008.
The state repealed interest restrictions on payday and title
loans in 2003. A great many lenders set up offices in New
Hampshire soon after, serving thousands of borrowers a year who
live here or come from neighboring states that have loan
restrictions.
Citation:N.H. Rev. Stat. Ann. § 399-A:1 et seq.
Loan Terms:Maximum Loan Amount: $500Loan Term: 7-30 daysMaximum Finance Rate and Fees: 36% annual interestFinance Charge for 14-day $100 loan: $1.38APR for 14-day $100 loan: 36%
Debt Limits:Maximum Number of Outstanding Loans at One Time: OneRollovers Permitted: None (cannot refinance, renew, extend;
borrowers can renew to obtain additional cash but prior loan
must be paid in full from proceeds of new loan and marked as
such)Cooling-off Period: 60 daysRepayment Plan:
Collection Limits:Collection Fees: Criminal Action: Prohibited
New Hampshire online Payday loans - Manchester Nashua
Concord Derry Rochester Salem Dover Merrimack
Londonderry Hudson

Nevada Free No Fax Payday Loans

2009-04-30T21:31:00.000-07:00

Nevada Free No Fax Payday Loans in - Las Vegas Reno
Henderson North Las Vegas Sparks Carson City Elko
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Funds running low? Free loan to 1st time customers. No credit
chk
Come get the cash you need. First time customers free! No
finance charges or fees. No fax. No credit checks. Fill out an
easy online form to be approved for up to $1000 in minutes.
Overnight in your account for what ever purpose you wish. We
want your business. It couldn't be easier or more affordable.
See more information concerning free online payday loan cash
advances in Nevada and US cities, states and territories.
Nevada state laws regulating online cash advances are subject to
change from time to time concerning payday loans.
Nevada Payday loan laws. Nevada Payday loan legislation. Nevada
has specific payday advance laws. The rate of the loan is
determined by the parties. The permitted time period is
determined by the parties.
The payday loan cannot exceed 25% of the borrower's expected
monthly gross income. Extensions are permitted.
Citation:Nev. Rev. Stat. 604A.010 et seq.
Loan Terms:Maximum Loan Amount: 25% of expected gross monthly incomeLoan Term: Max: 60 daysMaximum Finance Rate and Fees: Not Specified (After default:
interest rate must be equal to or less than the prime rate at
the largest bank in the State of Nevada plus 10 %)Finance Charge for 14-day $100 loan: No LimitAPR for 14-day $100 loan: No Limit
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not SpecifiedRollovers Permitted: Not Specified (Lenders cannot extend
payment period beyond 60 days after expiration of initial loan
period)Cooling-off Period: Repayment Plan: Yes
Collection Limits:Collection Fees: $25 dishonored check fee (max. two fees for
insufficient funds; max. one fee for closed account) Court
Costs; Reasonable Attorney's Fees; Service of process costs Criminal Action: Prohibited (Unless customer acted with criminal
intent)
Nevada free Payday loans - Las Vegas Reno Henderson North
Las Vegas Sparks Carson City Elko Boulder City Mesquite
Fallon

Nebraska Free No Fax Payday Loans

2009-04-30T21:16:00.000-07:00

Nebraska Free No Fax Payday Loans in - Omaha Lincoln
Bellevue Grand Island Kearney Fremont Hastings North
Platte Norfolk Columbus and all other cities eligible for
instant cash online payday advance!
Funds low? Free 1st time cash loan. No credit check, no fax
First time customers free! No finance charges or fees. No fax.
No credit checks. Fill out an easy online form to be approved
for as much as $1000 in minutes. Overnight in your account for
what ever purpose you wish. We want your business. It couldn't
be easier or more affordable.

See more information concerning free online payday loan cash
advances in Nebraska and US cities, states and counties.
Nebraska statutes regulating online cash advances may change
from time to time concerning payday loans.
Citation:Neb. Stat. Ann. § 45-901
Loan Terms:Maximum Loan Amount: $500Loan Term: Max: 31 daysMaximum Finance Rate and Fees: $15 per $100 or pro rata for any
part thereof on amount of checkFinance Charge for 14-day $100 loan: $17.65APR for 14-day $100 loan: 459%
Debt Limits:Maximum Number of Outstanding Loans at One Time: TwoRollovers Permitted: None (cannot repay, refinance, consolidate)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: $15 NSF fee Criminal Action:
Nebraska online Payday loans - Omaha Lincoln Bellevue
Grand Island Kearney Fremont Hastings North Platte
Norfolk Columbus

Missouri Free No Fax Payday Loans

2009-04-30T21:14:00.000-07:00

Missouri Free No Fax Payday Loans in - Kansas City Saint Louis
Springfield Independence Columbia Saint Joseph Lee's
Summit Saint Charles Saint Peters Florissant get instant
approval for a free online payday advance in all other cities as
well!
Free overnight loan 1st time customers. No credit check, no fax
First time customers free! No finance charges or fees. No fax.
No credit checks. Simply fill out an EZ online form to be
approved for up to $1000 in minutes. Overnight in your account
for what ever purpose you wish. We want your business. So come
get the cash you need. It couldn't be easier or more affordable.
More info concerning free online payday loan cash advances in
Missouri and US cities, states and counties.
Missouri statutes which regulate online cash advances may change
periodically concerning payday loans.

Missouri Payday loan laws. Missouri Payday loan legislation.
Missouri has specific payday advance laws. Total fees, including
rollovers, cannot exceed 75% of the initial loan amount. The
permitted time period is a minimum of 14 days and a maximum of
31 days.
The maximum amount of the payday loan allowable is $500.00.
Rollovers are limited to 6, but the borrower must reduce the
principal by at least 5% with each rollover.
Citation:Mo. Rev. Stat. § 408.500 et seq.; 4 Mo. Code Regs. § 140-11.010,
140-11.020
Loan Terms:Maximum Loan Amount: $500Loan Term: 14-31 daysMaximum Finance Rate and Fees: Not Specified (No borrower shall
be required to pay a total amount of accumulated interest and
fees in excess of 75% of the initial loan amount on any single
authorized loan for the entire loan term and all authorized
renewals. Otherwise, interest is set pursuant to small loan law
which provides that parties may set rate by contract.)Finance Charge for 14-day $100 loan: $75APR for 14-day $100 loan: 1980%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not SpecifiedRollovers Permitted: Six (borrower must reduce principal amount
of loan by 5% or more upon each renewal)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: NSF fee; Collection costs (including court
costs and reasonable attorney's fees) Licensee cannot use a
series of ACH transactions to collect a single check. Criminal Action: Prohibited (Unless check returned due to closed
account or stop-payment by maker)
Missouri free payday loans - Kansas City Saint Louis
Springfield Independence Columbia Saint Joseph Lee's
Summit Saint Charles Saint Peters Florissant

Mississippi Free No Fax Payday Loans

2009-04-30T21:11:00.001-07:00

Mississippi Free No Fax Payday Loans and cash advances in -
Jackson Gulfport Biloxi Hattiesburg Greenville
Meridian Tupelo Southaven Vicksburg Pascagoula and all
other cities - quick cash loan overnight!
Special offer - Free payday loans for 1st time customers
First loan free! So come get the cash you need.

No finance charges or fees. No fax. No credit checks. Fill out
an easy online form to be approved for up to $1000 in minutes.
Overnight in your account for what ever purpose you wish. We
want your business. It couldn't be easier or faster.
Additional info concerning free online payday loan cash advances
in Mississippi and US cities, states and counties.
Mississippi laws which regulate online cash advances may change
periodically concerning payday loans.
Mississippi Payday loan laws. Mississippi Payday loan
legislation. Mississippi has specific payday advance laws. The
permitted fee is 18 % of the face amount of the payday loan
amount. The permitted time period is a maximum of 30 days.
The maximum amount of the payday loan allowable is $400.00.
Rollovers are prohibited.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to Payday and Paycheck Loans.com
Citation:Miss. Code Ann. § 75-67-501 et seq.
Loan Terms:Maximum Loan Amount: $400Loan Term: Max: 30 daysMaximum Finance Rate and Fees: 18% of checkFinance Charge for 14-day $100 loan: $22APR for 14-day $100 loan: 572%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not SpecifiedRollovers Permitted: None (cannot renew or otherwise extend)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: NSF fee; Court-awarded fees (if disclosed) Criminal Action: Prohibited (When check returned due to NSF)
Mississippi free online Payday loans - Jackson Gulfport
Biloxi Hattiesburg Greenville Meridian Tupelo Southaven
Vicksburg Pascagoula

Minnesota Free No Fax Payday Loans

2009-04-30T21:08:00.001-07:00

Minnesota Free No Fax Payday Loans in - Minneapolis Saint Paul
Duluth Rochester Bloomington Brooklyn Park Plymouth
Eagan Coon Rapids Burnsville and all other cities eligible
for instant cash online payday advance!
Free quick cash 1st time customers, no credit check, no fax
Special!
First time customers free! No finance charges or fees. No fax.
No credit check. Fill out an EZ online form to be approved for
up to $1,000.00 in minutes. Deposited overnight in your bank
account for what ever purpose you wish. We want your business.
It couldn't be easier or more affordable. So come get the cash
you need.

Click here for additional info concerning free online payday
loan cash advances in Minnesota.
Minnesota laws concerning online cash advances may change
periodically in the regulation of payday loans.
Minnisota Payday loan laws. Minnisota Payday loan legislation.
Minnisota has specific payday advance laws. A scale of fees
(e.g., on a payday loan between $50-$100, 10% of the loan + $5
administration fee).
The maximum term of a payday loan is 30 days. Maximum amount of
a cash advance is $350. Rollovers are prohibited.
For a thorough discussion of the payday loan industry and access
to our payday loan training materials, we recommend you proceed
to Payday and Paycheck Loans.com
Citation:Minn. Stat. § 47.60 et seq.
Loan Terms:Maximum Loan Amount: $350Loan Term: Max: 30 daysMaximum Finance Rate and Fees: $5.50: $0-$50; 10%+$5: $51-$100;
7% (min. $10) + $5: $101-$250; 6% (min. $17.50) + $5: $251-$350
(After default: 2.75% per month)Finance Charge for 14-day $100 loan: $15APR for 14-day $100 loan: 390%
Debt Limits:Maximum Number of Outstanding Loans at One Time: Not SpecifiedRollovers Permitted: None (cannot repay with proceeds of another
loan by same lender)Cooling-off Period: Repayment Plan:
Collection Limits:Collection Fees: $30 NSF fee Criminal Action:
Minnesota Payday loans - Minneapolis Saint Paul Duluth
Rochester Bloomington Brooklyn Park Plymouth Eagan
Coon Rapids Burnsville

Michigan Free No Fax Payday Loans

2009-04-30T21:05:00.000-07:00

Michigan Free No Fax Payday Loans in - Detroit Grand Rapids

Warren Flint Sterling Heights Lansing Ann Arbor

Livonia Dearborn Westland get instant approval for a free

online payday advance in all other cities as well!

Free payday advance 1st time customers! No fax, no credit check

-Promo

1st time loans free! No finance charges or fees. No fax. No

credit checks. Fill out an easy online form to be approved for

up to $1000 in minutes. Overnight in your account for what ever

use you have in mind. We desire your business. Our program

couldn't be easier or more affordable. So come get the cash you

need.

Click here for additional info concerning easy online payday

loan cash advances in Michigan and other states.

Michigan laws concerning online cash advances may change

periodically in the regulation of payday loans.

Michigan Payday loan laws. Michigan Payday loan legislation.

Michigan Payday loan laws. Michigan Payday loan legislation.

Michigan does have specific, enabling payday loan legislation in

place. M.C.L.A. 487.2121 et seq.

15% on 1st $100. 14% on 2nd $100; 13% on 3rd $100; 12% on 4th

$100; 11% on 5th and 6th $100.
The maximum permitted term is 31 days.
The maximum amount of the advance is $600.
Payday loan rollovers are not permitted.
There is no mandated cooling off period.
Regarding extended repayment options, customers are elegible for

a plan if unable to pay 8th loan with any licensee in any 12

month period; lender must advise borrower of repayment option

when it is available.
A Michigan industry-wide data base is mandated.

For a thorough discussion of the Michigan payday loan industry

including sample contracts, fee structures, disclosure forms,

the state data base and access to our payday loan training

materials, we recommend you proceed to PaydayLoanIndustry.com

Contact: OFIS (toll-free) 1-877-999-6442

Administrative action and fines to be imposed for unlicensed

payday lenders

OFIS Commissioner Linda A. Watters today announced she is

cracking down on companies that are conducting unlicensed

deferred presentment transactions. Deferred presentment

providers, commonly known as payday lenders, who are operating

without licenses will face administrative action and fines by

the Office of Financial Services (OFIS).

Currently OFIS regulates payday lenders under the Deferred

Presentment Service Transactions Act signed into law by Governor

Jennifer Granholm in 2005. The law requires that deferred

presentment providers be licensed at each location where they

are conducting business. All Michigan deferred presentment

providers were required to be licensed by June 1, 2006.

“While the majority of deferred presentment providers have

complied with the law, we are aware of some payday lenders who

are operating illegally,” Watters said. “This law was put into

place to protect consumers, and we intend to deal with all

offenders to the full extent of the law.”

To date, OFIS has issued licenses to 780 locations. Access to

licensee information may be found at www.michigan.gov/ofis under

“Who We Regulate”.

Operating without a deferred presentment license is a violation

of the law and violators are subject to a civil fine of not less

than $1,000.00 or more than $10,000.00 for each violation.

However, if the Commissioner finds that a person has violated

this act and that the person knew or reasonably should have

known that he or she was in violation, the Commissioner may

order the person to pay a civil fine of not less than $5,000 or

more than $50,000 for each violation. The Commissioner may also

order the person to pay the costs of the investigation.

OFIS is reviewing and investigating complaints, advertisements,

and web sites in determining unlicensed deferred presentment

activity. Companies found not in compliance with the licensing

requirements will be dealt with to the full extent of the law,

taking into consideration its cooperation with OFIS, how long

the company has operated without a license, the number of

deferred presentment transactions conducted, willfulness and

intention of operating without a license, and in what capacity

the company is in compliance with the law other than operating

without the requisite license.

The law prescribes the conduct of deferred presentment service

providers in a number of ways, including specific fee maximums

for each loan on a reverse sliding scale; limiting the number of

loans that a consumer can have at one time; imposing a maximum

transaction amount of $600; providing a method for customers to

seek restitution in case of a violation; and giving consumers

the ability to voluntarily enter into a payment plan.

Companies that intend to conduct deferred presentment

activities need to apply to the Commissioner and receive the

appropriate license prior to conducting deferred presentment

business.

Citation:
Mich. Comp. Laws 487.2121 et seq.

Loan Terms:
Maximum Loan Amount: $600
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: 15% of first $100, 14% of second

$100, 13% of third $100, 12% of fourth $100, 11% of fifth $100,

11% of sixth $100 + any database verification fee
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One with

licensee or more than one with any other licensee
Rollovers Permitted: None (cannot renew; lender may extend only

if it does not charge a fee)
Cooling-off Period:
Repayment Plan: Yes

Collection Limits:
Collection Fees: One $25 returned check charge
Criminal Action: Prohibited

Michigan Payday loans - Detroit Grand Rapids Warren Flint

Sterling Heights Lansing Ann Arbor Livonia Dearborn

Westland

Massachusettes Free No Fax Payday Loans

2009-04-30T21:02:00.000-07:00

Massachusettes Free No Fax Payday Loans in - Boston Worcester

Springfield Lowell Cambridge Brockton New Bedford

Fall River Lynn Quincy and all other cities - quick cash

loan overnight!

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First loan free! No finance charges or fees. No fax. No credit

checks. Fill in our EZ online form and be approved for up to

$1000 in minutes. Deposited overnight in your account for any

purpose you wish. We want your business. It couldn't be easier

or more affordable. Get the cash you need.

Click here for additional info regarding easy online payday loan

cash advances in Massachusettes and other states.

Massachusettes laws concerning online payday loans may change

periodically in the regulation of cash advances.

Massachusetts Payday loan laws. Massachusetts Payday loan

legislation.

Massachusetts Payday loan laws. Massachusetts Payday loan

legislation. Massachusetts does not have specific payday loan

safe-harbor legislation. At this time, the best approach is to

offer payday loans via the Internet, one of the alternative

methods (cash rebates, ISP model, etc.) discussed in our

training materials, or the newest model, the CSO (Credit

Services Organization) approach.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Small loan act applies. Mass. Gen. Laws Ann. ch. 140 § 96 et

seq.;209 Mass. Code Regs. § 26.01. Check cashers are

specifically prohibited from making loans unless licensed under

the small loan act. 209 Mass. Code Regs. § 45:14(8).

Small Loan Rate Cap
23% plus $20 administrative fee upon the granting of a loan

Massachusettes free online payday loans - Boston Worcester

Springfield Lowell Cambridge Brockton New Bedford Fall

River Lynn Quincy

Maryland Free No Fax Payday Loans

2009-04-30T21:00:00.000-07:00

Maryland Free No Fax Payday Loans in - Baltimore Frederick

Gaithersburg Bowie Rockville Hagerstown Annapolis

College Park Salisbury Cumberland and all other cities

eligible for instant cash online payday advance!

Free payday loan to 1st time customers, no fax, no credit check

1st time customers free! No finance charges or fees. No fax. No

credit check. Fill out an easy online form to be approved for up

to $1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your business. It couldn't be easier

or more affordable. So come get the cash you need, it's free!

Go here for additional info regarding easy online payday loan

cash advances in Maryland and other US states.

Maryland statutes concerning online payday loans may change

periodically in the regulating of cash advances.

Maryland Payday loan laws. Maryland Payday loan legislation.

Maryland Payday loan laws. Maryland Payday loan legislation.

Maryland does not have specific payday loan safe-harbor

legislation. At this time, the best approach is to offer payday

loans via the Internet, one of the alternative methods (cash

rebates, ISP model, etc.) discussed in our training materials,

or the newest model, the CSO (Credit Services Organization)

approach.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Consumer loan act applies. Md. Code Ann. Com. Law II § 12-301 et

seq.

Small Loan Rate Cap
2.75% per month; 33% per year.

Maryland free online Payday loans - Baltimore Frederick

Gaithersburg Bowie Rockville Hagerstown Annapolis

College Park Salisbury Cumberland

Louisiana Free No Fax Payday Loans

2009-04-30T20:57:00.000-07:00

Louisiana Free No Fax Payday Loans in - New Orleans Baton

Rouge Shreveport LaFayette Lake Charles Kenner Bossier

City Monroe and all other cities - quick online cash loan

overnight!

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check

First time loans free! No finance charges or fees. No fax. No

credit checks. Fill in our EZ online form to be approved for up

to $1000 instantly. Overnight in your account for what ever

purpose you wish. We want your business. It couldn't be easier

or more affordable. So come get the money you need.

Go here for more info concerning easy online payday loan cash

advances in Louisiana and other US states.

Louisiana statutes concerning online payday loans may change

from time to time regulating cash advances.

Louisiana Payday loan laws. Louisiana Payday loan legislation.

$16.75% of the face amount of check.

Maximum term of 30 days. Maximum cash advance amount allowable

is $350. Rollovers are prohibited (but can accept partial

payment of 25% + fees and enter into a new agreement).

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
La. Stat. Ann. § 9:3578.1 et seq.

Loan Terms:
Maximum Loan Amount: $350
Loan Term: 60 days
Maximum Finance Rate and Fees: $5 documentation fee + the

greater of 16.75% of check or $45 (After default: months 1-12:

36% per year; months 13 and beyond: 18% per year)
Finance Charge for 14-day $100 loan: $25
APR for 14-day $100 loan: 650%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot renew or rollover but licensee

may accept partial payment of 25% of amount advanced plus fees

and enter into new loan)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One NSF fee of actual bank charge (if

disclosed) + the greater of $25 or 5% of check (if disclosed);

Court Costs; Reasonable Attorney's Fees
Criminal Action: Prohibited

Louisiana free online Payday loans - New Orleans Baton Rouge

Shreveport LaFayette Lake Charles Kenner Bossier City

Monroe

Kentucky Free No Fax Payday Loans

2009-04-30T20:55:00.000-07:00

Kentucky Free No Fax Payday Loans in - Louisville Lexington -

Fayette Owensboro Bowling Green Covington Hopkinsville

Frankfort Henderson Richmond Jeffersontown get instant

approval for a free online payday advance in all other cities as

well!

Limited special 1st time customer free loan, no credit check, no

fax

First time customer free! No finance charges or fees. No fax /

No credit checks. Fill out an easy online application for

instant approval for up to $1000. In your account overnight for

what ever purpose you wish. We wish to win your business. It

couldn't be easier or more affordable. So get the cash you need!

See here for more info concerning online payday loan cash

advances in Kentucky and other US states.

Kentucky statutes concerning online payday loans may change from

time to time in regulation of cash advances.

Kentucky Payday loan laws. Kentucky Payday loan legislation.

$15% per $100 on face amount of check.

Minimum term of 14 days and a maximum term of 60 days. Maximum

cash advance amount allowable is $500. Rollovers are prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Kentucky Rev. Stat. Ann. § 286.9.010 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 14-60 days
Maximum Finance Rate and Fees: $15 per $100
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two ($500

aggregate loans outstanding to all licensees)
Rollovers Permitted: None (cannot renew, rollover, or

consolidate)
Cooling-off Period: None
Repayment Plan:

Collection Limits:
Collection Fees: One NSF fee (if disclosed)
Criminal Action: Prohibited

Kentucky Payday loans - Louisville Lexington - Fayette

Owensboro Bowling Green Covington Hopkinsville Frankfort

Henderson Richmond Jeffersontown

Kansas Free No Fax Payday Loans

2009-04-30T20:52:00.000-07:00

Kansas Free No Fax Payday Loans in - Wichita Overland Park

Kansas City Topeka Olathe Lawrence Shawnee Salina

Manhattan Hutchinson and all other cities eligible for

instant cash online payday advance!

Limited offer 1st time Payday loans free! No credit check, no

fax

First time loan free! No finance charges nor fees. No fax / no

credit checks. Fill out our EZ online application and be

approved for up to $1000 instantly. Overnight in your account

for what ever purpose you wish. We want your business. It just

couldn't be easier or more affordable. Come get the cash you

need this very moment!

More info concerning online payday loan cash advances in Kansas

and other US states.

Kansas laws concerning online payday loans may change from time

to time in regulation of cash advances.
Kansas Payday loan laws. Kansas Payday loan legislation.

15% of the payday loan amount.

Minimum term of 7 days and a maximum term of 30 days. Maximum

cash advance amount allowable is $500. Rollovers are prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Kan. Stat. Ann. § 16a-2-404

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-30 days
Maximum Finance Rate and Fees: 15%
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: Not Specified
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One NSF fee
Criminal Action: Prohibited

Kansas free payday loans - Wichita Overland Park Kansas City

Topeka Olathe Lawrence Shawnee Salina Manhattan

Hutchinson

Iowa Free No Fax Payday Loans

2009-04-30T20:47:00.000-07:00

Iowa Free No Fax Payday Loans in - Des Moines Cedar Rapids

Davenport Sioux City Waterloo Iowa City Council Bluffs

Dubuque Ames Cedar Falls and all other cities - quick cash

loan overnight!

Free first time loans up to $1000 , no credit check , no fax

First time loans free! No finance charges / fees. No fax. No

credit check. Fill out an EZ online form to be approved for up

to $1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your business. It couldn't be easier

or more affordable. So come get the cash you need now!

Click here for more info concerning online payday loan cash

advances in Iowa and other US states.

Iowa's laws concerning online payday loans may change

periodically cash advances.

Iowa Payday loan laws. Iowa Payday loan legislation.

15% of the payday loan amount on the 1st $100; 10% on subsequent

$100 increments.

Maximum term of 31 days. Maximum cash advance amount allowable

is $500. Rollovers are prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Iowa Code Ann. § 533D.1 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 31 days
Maximum Finance Rate and Fees: $15: $0-$100; $10 per $100

thereafter
Finance Charge for 14-day $100 loan: $16.67
APR for 14-day $100 loan: 433%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: None (cannot repay, refinance or

consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $15 NSF fee (exclusive remedy)
Criminal Action: Not Specified

Iowa Payday loans for any need - Des Moines Cedar Rapids

Davenport Sioux City Waterloo Iowa City Council Bluffs

Dubuque Ames Cedar Falls

Indiana Free No Fax Payday Loans

2009-04-30T20:45:00.001-07:00

Indiana Free No Fax Payday Loans in - Indianapolis Fort Wayne

Evansville South Bend Gary Hammond Bloomington Muncie

Anderson Terre Haute get instant approval for a free online

payday advance in all other cities as well!

Limited promo-Free first time loans to $1k, no fax, no credit

check

First time customers free! No finance charges or fees. No fax.

No credit checks. Fill out an easy online form to be approved

for up to $1000 in minutes. Overnight in your bank account for

what ever purpose you wish. We desire your business. It couldn't

be easier or more affordable. So come get the cash you need.

Click here for more information about online payday loan cash

advances in Indiana and other US states.

Indiana laws regulating online payday loans may change

periodically regarding cash advances.

Indiana Payday loan laws. Indiana Payday loan legislation.

Indiana has specific payday advance laws. 15% on the first $250;

13% on amounts greater than $250 up to and including $400; 10%

on amounts greater than $400 up to and including $500.

Minimum term of 14 days. Maximum amount of payday loan is $500

but cannot exceed 15% of the monthly gross income, including

fees. Rollovers are prohibited (if a loan is paid in full, it is

not a rollover.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Ind. Code Ann. § 24-4-4.5-7-101 et seq.

Loan Terms:
Maximum Loan Amount: $550 (not to exceed 20% of borrower's

monthly gross income)
Loan Term: Min: 14 days
Maximum Finance Rate and Fees: 15%: $0-$250; 13%: $251-$400;

10%: $401-$500
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One per lender;

Two total
Rollovers Permitted: None (cannot renew, repay, refinance or

consolidate)
Cooling-off Period: 7 days after 6 consecutive loans
Repayment Plan: After 3 consecutive loans, lender must offer an

extended payment plan of at least four equal installments at no

additional cost

Collection Limits:
Collection Fees: One $20 NSF fee; additional charges may apply

when check or authorization to debit was used to defraud another
Criminal Action: Prohibited

Indiana Payday loans - Indianapolis Fort Wayne Evansville

South Bend Gary Hammond Bloomington Muncie Anderson

Terre Haute

Illinois Free No Fax Payday Loans

2009-04-30T20:42:00.001-07:00

Illinois Free No Fax Payday Loans in - Chicago Rockford

Aurora Naperville Peoria Springfield Joliet Elgin

Waukegan Cicero and all other cities - quick cash loan

overnight!

Ultra fast - Free loans for 1st time customers, no credit check

First time loan free! No finance charges / fees. No fax. No

credit checks. Fill out our ez online form to be approved for up

to $1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your busines

Click here for more information about online payday loan cash

advances in Illinois and other US states.

Illinois laws may change periodically regarding online payday

loans and cash advances.

Illinois Payday loan laws. Illinois Payday loan legislation.

Illinois has specific payday advance laws. The rate is $15.50

per $100 loaned.

The term of a payday loan is a minimum of 13 days and a maximum

of 120 days. Maximum amount of a cash advance is $1000 or 25% of

the consumer's monthly income. Rollovers are prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Ill. Comp. Stat. Ann. § 122/1-1

Loan Terms:
Maximum Loan Amount: lesser of $1000 or 25% gross monthly income
Loan Term: 13-45 days
Maximum Finance Rate and Fees: $15.50 per $100
Finance Charge for 14-day $100 loan: $15.50
APR for 14-day $100 loan: 403%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Two
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 7 days after 45 consecutive loan days
Repayment Plan: Yes

Collection Limits:
Collection Fees: One $25 NSF fee (Presentment limit = 2)
Criminal Action: Prohibited

llinois Online Payday loans - Chicago Rockford Aurora

Naperville Peoria Springfield Joliet Elgin Waukegan

Cicero

Idaho Free No Fax Payday Loans

2009-04-30T20:40:00.001-07:00

Idaho Free No Fax Payday Loans in - Boise Nampa Pocatello

Idaho Falls Meridian Coeur d'Alene Twin Falls Lewiston

Caldwell Moscow and all other cities eligible for instant cash

online payday advance!

Limited offer - No charge EZ overnight cash loans up to $1000

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out an easy online form to be approved instantly

for up to $1000. Deposited overnight in your account for any

purpose you wish. We desire your business.

Click here for more information about online payday loan cash

advances in Idaho and other US cities.

Idaho laws may change periodically regarding online payday loans

and cash advances.

Citation:
Idaho Code Ann. § 28-46-401 et seq.

Loan Terms:
Maximum Loan Amount: $1000
Loan Term: Not Specified
Maximum Finance Rate and Fees: Not Specified
Finance Charge for 14-day $100 loan:
APR for 14-day $100 loan: No Limit

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified

($1000 aggregate loans outstanding to all licensees)
Rollovers Permitted: Three (renewals)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $20 NSF fee + 12% interest per annum on unpaid

amount (if disclosed )
Criminal Action: Prohibited

Idaho Payday loans - Boise Nampa Pocatello Idaho Falls

Meridian Coeur d'Alene Twin Falls Lewiston Caldwell

Moscow

Hawaii Free No Fax Payday Loans

2009-04-30T20:38:00.001-07:00

Hawaii Free No Fax Payday Loans in - Honolulu Hilo Kailua

Kaneohe Waipahu Pearl City Waialua Mililani Kahului

Kihei get instant approval for a free online payday advance in

all other cities as well!

Limited promotional - Free payday loans to first time customers

to $1000

First loan free! No finance charges or fees. No fax. No credit

check. Simply fill out an easy online form to be approved for up

to $1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your business.

More info about online payday loan cash advances in Hawaii.

Hawaiian laws are subject to change regarding online payday

loans and cash advances.

Hawaii Payday loan laws. Hawaii Payday loan legislation. 5% of

the face amount of the cash advance. Maximum time period is 32

days. Maximum amount of the loan is $600. Rollovers are

prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Hawaii Rev. Stat. Ann. § 480F-1 et seq.

Loan Terms:
Maximum Loan Amount: $600
Loan Term: Max: 32 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot refinance or consolidate)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $20 NSF fee; Check Casher that accepts check

passed on insufficient funds not entitled to recover damages
Criminal Action: Prohibited (Unless check returned due to closed

account or stop-payment by maker)

Hawaii free payday loans - Honolulu Hilo Kailua Kaneohe

Waipahu Pearl City Waialua Mililani Kahului Kihei

Georgia Free No Fax Payday Loans

2009-04-30T20:34:00.000-07:00

Georgia Free No Fax Payday Loans and cash advances in - Atlanta

Augusta Columbus Savannah Athens Macon Roswell

Albany Marietta Warner Robins and all other cities -

quick cash loan overnight!

Special promo-Free loan to $1000 - 1st time borrowers No Credit

Check!

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out an easy online form to be approved instantly

for up to $1000. Overnight in your account for what ever purpose

you wish no questions. We want your business.

Click here for more information about online payday loan cash

advances in Georgia.

Georgia laws are subject to change regarding online payday

loans.

Georgia Payday Loan Laws & Legislation
In May 2004 the Georgia State Legislator passed a statute which

imposed stiff penalties for payday loan lending by non-banks and

in-state banks. It also capped small consumer loans at Georgia's

small loan usury rate of 60%. Payday loan lenders pulled out of

the state of Georgia shortly after.

Georgia payday loan consumers by the tens of thousands continue

to get access to payday loans via the Internet and payday loan

call centers based in other states and offshore.

Georgia Payday loan laws. Georgia Payday loan legislation.

Georgia does not have specific payday loan safe-harbor

legislation. At this time, the best approach is to offer payday

loans via the Internet, one of the alternative methods (cash

rebates, ISP model, etc.) discussed in our training materials,

or the newest model, the CSO (Credit Services Organization)

approach.

Payday Loan Company Advance America Reaches Settlement in

Georgia

2009

Advance America announced that it has settled a class action

lawsuit in Georgia that resolves all claims against the Company

in connection with originating, marketing, or servicing any

payday loan in that state. The settlement, which does not

involve any finding of wrongdoing, requires final approval from

the State Court of Cobb County, Georgia. The Company had

previously suspended operations in Georgia during 2004.

The settlement will require Advance America to make a minimum

payment of approximately $2.0 million from which

(1) a settlement pool will be established to pay claims; and
(2) attorney fees and other costs related to the litigation and

settlement administration will be paid. The value of individual

claims will vary between $30 and $90. If claims made plus costs

exceed $2.0 million, then the Company will be required to pay

additional funds into the settlement pool up to an aggregate cap

of $3.7 million. If claims made plus applicable costs are less

than the minimum payment, the court will distribute the balance

of the minimum payment to a charitable organization of the

court's choosing. If claims made plus costs are greater than the

cap, then claims will be prorated so as not to exceed the cap.

The Company has reserved approximately $2.0 million for this

settlement, which will result in a charge against earnings in

the fourth quarter of 2008.

Commenting on the settlement, the Advance America's Vice

President of Legal and Regulatory Affairs, Tom Newell, said,

"Advance America possesses a strong culture of legal and

regulatory compliance and the Company will continue to

aggressively defend its products and services against these

types of claims. However, a settlement like this one makes good

business sense and brings value to our stakeholders by assuring

certainty of outcome and eliminating continuing legal costs in a

geographic market where we no longer conduct business. We are

pleased to have reached a favorable result."

Consumer-advocate groups attack new payday-lending bill
02/20/2007 - http://www.gwinnettdailypost.com

ATLANTA — Bringing payday lending back just three years after

state lawmakers banned the practice would let an unscrupulous

industry trap cash-strapped Georgians in a cycle of debt,

consumer advocates said Monday.

But a representative of the industry said a bill now before the

House would impose such strict regulations on payday lenders

that it bears no comparison to the way short-term loans were

handled in Georgia before the 2004 ban.

A House subcommittee heard testimony Monday on legislation that

would allow consumers to borrow up to $750 or 25 percent of

their monthly gross income for up to 31 days. Interest would be

$15 for every $100 borrowed.

At those rates, a payday loan would be less expensive for small

borrowers than bouncing a check, missing a credit card payment

or, worse, failing to pay an electric bill and having their

power cut off, said Jabo Covert, vice president of government

relations for Check into Cash, a payday lender based in

Cleveland, Tenn.

Covert said most of his company’s customers earn $25,000 to

$50,000 a year but find themselves temporarily short of money.

"It’s Middle America, the school teacher, state employee or

highway patrolman," he said. "They’re making smart decisions

when they need short term a small amount of cash."

But Kathy Floyd, a lobbyist with the state chapter of AARP, said

payday lenders make their money by luring the same customers

repeatedly. She said studies show that the vast majority are

forced to take out multiple loans during the course of a year

because they can’t pay back the original loan on time. "(Payday

lenders) want to hold that check and keep getting that payment

every pay period,’’ she said. “We say you can’t tame a wolf."

Allison Wall, executive director of Georgia Watch, a consumer

watchdog group, said a national study found that Georgians have

saved $150 million a year in “abusive fees’’ since the General

Assembly banned payday lending in 2004.

The Legislature acted that year as part of an effort to protect

the state’s military bases from a round of base closings.

Military officials had suggested that shutting down the payday-

loan industry would show the Pentagon that Georgia cares about

its service members.

Since then, Congress has acted to cap interest rates on loans to

members of the military at 36 percent. "If payday lending is

toxic for the military, it’s toxic for all Georgians," Wall

said.

But Covert said many of the abuses that Wall and others accuse

payday lenders of perpetrating couldn’t occur under the House

bill. He said the measure would prohibit borrowers who can’t pay

back an initial loan from rolling it over. Also, those who can’t

pay up when a loan is due would be allowed to repay the money

over two months, he said.

December 2005

The battle between FISCA (Financial Service Centers of America),

one of two payday loan national organizations and GILA (Georgia

Industrial Loan Assoc.) a trade group representing the consumer

finance companies of Georgia, continues. Literally millions of

dollars are being spent by GILA in an attempt to prevent payday

loans from being offered to residents of Georgia at "brick-n-

mortars (store fronts). The members of GILA are terrified of the

negative impact payday loans would have on their businesses.

Apparently GILA is unaware of the ability of residents of

Georgia to visit a payday loan Internet site or call an operator

of an offshore or out-of-state call center to secure a payday

loan.

Consumers in all states demand the payday loan product. No

government or business entity can squelch the demand.

Enlightened persons will embrace the product, legalize it, pass

laws to license and control it, thus generating protection for

the consumer, revenue for the state, and opportunity for the

entrepreneurs of Georgia.

It's only a matter of time...

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

DECEMBER 30, 2005:
Payday Advance Rate Exportation Programs

Payday Lending NewsEarlier today FiSCA (Financial Service

Centers of America) learned that the Eleventh Circuit of Appeals

decided to grant rehearing en banc (12 or more judges) in the

appeal of the Barkwest et als. vs. Baker et als. matter. You may

recall that this case turns on whether federal banking statutes

preempt Georgia’s 2004 anti-rate exportation statute. That law

imposed draconian criminal penalties on PDA service providers in

Georgia unless the partnering rate exporting bank retained the

predominant economic interest in the loan. The practical effect

of this statute was to shut down nearly all PDA rate exportation

programs in Georgia, which is a non-safe harbor state.

When the PDA industry challenged the statute in 2004, the

federal district court upheld the law. In a subsequent appeal to

the Eleventh Circuit court of appeals, the industry also lost,

by a 2-1 vote of the three judge panel. That decision was filed

on June 10, 2005.

The industry then petitioned for “rehearing en banc” before all

the members of the Eleventh Circuit court of appeals. These

applications are granted very rarely. They are “forlorn hopes.”

However, yesterday the circuit court granted the rehearing en

banc. We learned of that decision this morning.

The order granting the rehearing automatically vacates the prior

2-1 decision against the PDA industry’s position. It is now a

whole new ballgame with the appeal getting a fresh look by the

whole circuit court. No schedule for submitting briefs or date

for oral argument has been established yet. FiSCA’s staff will

keep you apprised of any further developments.

This decision is immensely important. By vacating the prior

ruling of the three judge panel, the circuit court has

undermined, if not pulverized, the positions of many so-called

consumer activists who have called for the adoption throughout

the country of Georgia style anti-rate exportation laws. Hostile

regulators and legislators across this continent no longer can

rely on the Eleventh Circuit’s prior 2-1 ruling upholding

Georgia’s statute. That decision no longer exists.

There is no guarantee the industry will fare better in an en

banc ruling from the Eleventh Circuit. However, granting this

sort of “full court” review is so rare (because it involves the

expenditure of a great deal of judicial resources) that it at

least means a majority of the full circuit court of appeals

believes the PDA industry has mustered quite powerful arguments

against the validity of Georgia’s law. Parties that seek and

obtain full circuit court review generally do much better than

they did in the initial decision of the three judge panel.

Anyone who wants more detailed information on this subject

should check back here or join the free newsletter offer at:

Payday And Paycheck Loans.com.

Citation:
Industrial loan act applies. Ga. Code Ann.§ 7-3-14. Ga. Comp. R.

& Regs. r. 80 § 3-1.02(7)

Small Loan Rate Cap
16% per year (10% per year discounted plus fees); 60% per year

criminal usury cap

Georgia Payday loans - Atlanta Augusta Columbus Savannah

Athens Macon Roswell Albany Marietta Warner Robins

Florida Free No Fax Payday Loans

2009-04-30T20:31:00.001-07:00

Florida Free No Fax Payday Loans in - Jacksonville Miami

Tampa Saint Petersburg Hialeah Orlando Fort Lauderdale

Tallahassee Hollywood Pembroke Pines and all other cities

eligible for instant cash online payday advance!

Special - Free first time loan up to $1,000 - Payday Advance

We want your business. First loan free! No finance charges or

fees. No fax. No credit checks. Fill out an easy online form to

be approved for up to $1000 in minutes. Overnight in your

account for any purpose you wish, no questions.

More information about online payday loan cash advances in

Florida.

Florida laws are subject to change frequently regarding online

payday loans.

Florida Payday loan laws. Florida Payday loan legislation. 10%

of the face amount of the payday loan plus a maximum $5.00

verification fee.

The permitted time period is a minimum of 7 days and a maximum

of 31 days. The maximum amount of the cash advance is $500.

There are no rollovers allowed.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Fl. Stat. Ann. § 560.401 et seq.; Rule 69V-560.901-912

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: None (cannot rollover)
Cooling-off Period: 24 hours
Repayment Plan: Yes

Collection Limits:
Collection Fees: All charges imposed on the lender by any

financial institution; lender not entitled to treble damages
Criminal Action: Prohibited

Florida free payday loans - Jacksonville Miami Tampa Saint

Petersburg Hialeah Orlando Fort Lauderdale Tallahassee

Hollywood Pembroke Pines

District of Columbia Free No Fax Payday Loans

2009-04-30T20:28:00.000-07:00

District of Columbia Free No Fax Payday Loans and cash advances

Need more money? Free first time Payday loan No Fax/Credit

Check!

Your First loan free! No finance charges. No fax. No credit

checks. Fill out our easy online form to be approved quickly for

up to $1000. Overnight in your account for what ever purpose you

wish. We want your business.

Washington, DC

More about online payday loan cash advances in DC.

District of Columbia laws are subject to change periodically

regarding online payday loans.

DC District of Columbia Payday Loan Laws & Legislation
District of Columbia Payday loan laws. District of Columbia

Payday loan legislation. 10% of the face amount of the payday

loan plus a scale of fees based upon the face amount of the

check.

In May 2008, the Washington D.C. City Council passed a bill

which put a 24% interest rate cap on small consumer loans. By

the end of the year 21 payday loan stores had ceased to exist.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to PaydayLoanIndustry.com

Washington DC Payday Advance Stores Form Trade Association;

Calls on DC City Council to Implement Industry Wide Reforms

Forty plus payday advance stores in the District form the

District of Columbia Financial Services Association (DCFSA).

DCFSA will focus on working with the Washington, DC City Council

to enact into law several key reforms to better protect payday

advance customers and preserve a popular, well-regulated short-

term credit option. These reforms include requiring all lenders

to:

-- Make sure consumers understand the cost of the product by

fully disclosing all fees in simple and easy to understand

language
-- Help customers avoid getting into a "cycle of debt" by

allowing only one rollover and offering and extended payment

plan, at no cost, to any customer who cannot pay back the loan

when due
-- Verify that customers have the ability to repay, before

approving the loan
-- Support tougher penalties for any lender not following the

law
-- Fund financial literacy programs in the District

"DCFSA encourages the DC City Council to enact these no-nonsense

reforms into law," said Sonny Eyabi, President, DCFSA. "Our

members will be required to institute these reforms to better

protect our customers. We hope the City Council will follow our

lead, and take the necessary steps to protect DC residents

without taking away a valuable tool that helps Washingtonians

make ends meet between paychecks."

Payday loans are short-term, small loans used by customers who

want to avoid bounced-check fees, late credit card payments or

utility shut-off charges. The maximum fee for a payday loan in

DC is $16.11 per $100 borrowed.

"Payday advance stores in DC care about their customers. Our

customers are our friends, our neighbors, the police officers

who protect us, the teachers who educate our children and the

healthcare workers who mend us. We sincerely hope the City

Council will enact common sense reforms to protect these

consumers and not pass any proposal which would essentially ban

payday advance in the District," concluded Eyabi.

For more information, please visit http://www.reformpayday.com.

The site includes a full list of DCFSA's Best Practices

http://www.reformpayday.com/best-practices.php and a video of DC

customers explaining why they have used the payday advance

service.

About the DC Financial Services Association
The DC Financial Services Association is dedicated solely to

promoting responsible regulation of the payday advance industry

and consumer protections through DCFSA's Best Practices. As

such, we are committed to working with policymakers, consumer

advocates and DCFSA member companies to ensure that the payday

advance is a safe and viable credit option for consumers. Go to

http://www.reformpayday.com for additional information. District

of Columbia Financial Services Association
CONTACT: Steven Schlein or Lyndsey Medsker, +1-202-296-0263, for

District of Columbia Financial Services Association
Web site: http://www.reformpayday.com/

Citation:
Amended D.C. Code Ann. § 28-3301(a)

Small Loan Rate Cap
24% per year

2009-04-30T20:00:00.000-07:00

Connecticut Free No Fax Payday Loans in - Bridgeport - New Haven -

Hartford - Stamford - Waterbury - Norwalk - Danbury - New

Britain - West Hartford - Greenwich get instant approval for a

free online payday advance in all other cities as well!

Special Limited Offer - Free Loan Up To $1000 First Time

Customers

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out our EZ form to be approved for up to $1000 in

minutes. Overnight in your account for what ever purpose you

wish, No questions asked. We want your business.

More about online payday loan cash advances in Colorado.

Connecticut laws are redacted periodically regarding online

payday loans and may be subject to change.

Connecticut Payday Loan Laws & Legislation

Connecticut Payday loan laws. Connecticut Payday loan

legislation. Connecticut does not have specific payday loan

safe-harbor legislation. At this time, the best approach is to

offer payday loans via the Internet, one of the alternative

methods (cash rebates, ISP model, etc.) discussed in our

training materials, or the newest model, the CSO (Credit

Services Organization) approach.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Usury act applies or small loan act applies. Conn. Gen. Stat.§

36a-563

Small Loan Rate Cap
30.03% APR or $17 per $100 up to $600; $11 per $100 up to

$1,800; add-on interest

Connecticut free payday loans - Bridgeport New Haven

Hartford Stamford Waterbury Norwalk Danbury New Britain

West Hartford Greenwich

2009-04-30T19:57:00.000-07:00

Colorado Free No Fax Payday Loans in - Denver Colorado Springs

Aurora Lakewood Fort Collins Arvada Pueblo

Westminster Boulder Thornton and all other cities - quick

cash loan overnight!

Need Cash? Free First Time Loan Up To $1,000 No Credit Check/Fax

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out an easy online form to be approved for up to

$1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your business.

For more about online payday loan cash advances in Colorado.

Colorado state laws change periodically regarding online payday

loans.

Colorado Payday Loan Laws & Legislation

Colorado Payday loan laws. Colorado Payday loan legislation.

Colorado has specific payday advance laws. 20% of the first

$300.00; 7.5% on any amount greater than $300. Maximum amount of

a cash advance is $500. The permitted time period is a maximum

of 40 days.

Rollovers are limited to one.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Colo. Rev. Stat. § 5-3.1-101 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Max: 40 days
Maximum Finance Rate and Fees: 20%: $0-$300 + 7.5%: $301-$500
Finance Charge for 14-day $100 loan: $20
APR for 14-day $100 loan: 520%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: One (renewal)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: One $25 NSF fee; Court Costs; Reasonable

Attorney's Fees not to exceed loan amount
Criminal Action: Prohibited (Unless the consumer's account was

closed before the agreed upon negotiation date)

Colorado free payday loans - Denver Colorado Springs Aurora

Lakewood Fort Collins Arvada Pueblo Westminster

Boulder Thornton

California Free No Fax Payday Loans

2009-04-30T19:54:00.001-07:00

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Diego San Jose San Francisco Long Beach Fresno

Sacramento Oakland Santa Ana Anaheim and all other

cities eligible for instant cash online payday advance!

Payday Cash - Free Loans No Credit Check/Fax Up To $1000

Overnight

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out our easy online form to be approved for up to

$1000 in minutes. Overnight in your account for what ever

purpose you wish. We want your business.

Find out more about online payday loan cash advances in

California.

California state laws are re-legislated from time to time

regarding online payday loans and are subject to change.

California Payday Loan Laws & Legislation

California Payday loan laws. California Payday loan legislation.

California has specific payday advance laws. The permitted fee

is 15 % of the face amount of the payday loan amount. The

permitted time period is a maximum of 31 days.

The maximum amount of the payday loan allowable is $300.00.

Rollovers are prohibited.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to Payday and Paycheck Loans.com

Citation:
Ariz. Rev. Stat. § 6-1251 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 5 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: Three (extensions)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $25 NSF fee + actual charges assessed by the

financial institution
Criminal Action: Prohibited

California free payday loans - Los Angeles San Diego San

Jose San Francisco Long Beach Fresno Sacramento

Oakland Santa Ana Anaheim

Arizona Free No Fax Payday Loans

2009-04-30T19:51:00.000-07:00

Arizona Free No Fax Payday Loans in - Phoenix Tucson Mesa

Glendale Scottsdale Chandler Tempe Gilbert

Peoria Yuma Flagstaff and all other cities - quick cash

loan overnight!

Free Payday Advance Loans Up To $1000 - First Time Customers

Only

First loan free! No finance charges or fees. No fax. No credit

checks. Fill out an easy online form to be instantly approved

for up to $1000. Overnight in your account for what ever purpose

you wish. We want your business.

Learn more about online payday loan cash advances in Arizona.

Arizona state laws change from time to time regarding online

payday loans and are always subject to change. You may or may

not be eligible in your area.

Arizona

When getting a payday loan in Arizona, it’s important to realize

that lenders must follow certain guidelines as to what they

include in their loan agreement. All loan agreements in Arizona

must have the trade name of the business, the transaction date,

the amount of the payday loan, the amount to be paid by the

lender, and a statement of the total amount plus fees. Arizona

law says that the total amount must be expressed in dollars and

have the annual percentage rate clearly displayed on the

contract. No fax payday loan agreements in Arizona must also

have a disclosure statement that explains customers their

privacy rights.

Arizona law sets limits on the amount of money that payday

lenders can offer. Under current Arizona law, payday lenders are

only allowed to lend loans at least $50 and no more than $500.

In addition, payday loan lenders can only have one service

agreement with a customer at a time. If for any reason the

customer is unable to pay the loan back, the lender must draw up

a new agreement form. Under the new agreement, the lenders have

the right to charge a fee for each transaction, so long as it

doesn’t go over 19%.

In Arizona, when ever a customer gets an extension on their loan

the payday loan lender must provide them with written

information in English and Spanish about credit counseling and

financial education services that are available. Under current

Arizona Law, any payday loan institution offering cash advance

loans must be licensed with the state.

Here are some other facts about Arizona laws pertaining to

payday loans:
All written agreements must have a number and address they can

write to for complaints.
All payday loan lending institutions must have a chart displayed

with a table listing their annual Percentage Rate (APR).
If a customer closes their account or stops payment, the lending

institution has the right to seek civil remedies in court.

Citation:
Ariz. Rev. Stat. § 6-1251 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 5 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
APR for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: Three (extensions)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $25 NSF fee + actual charges assessed by the

financial institution
Criminal Action: Prohibited

Arizona Payday loans - Phoenix Tucson Mesa Glendale

Scottsdale Chandler Tempe Gilbert Peoria Yuma

Flagstaff

Alabama Free No Fax Payday Loans

2009-04-30T19:38:00.000-07:00

Alabama Payday loan laws. Alabama Payday loan legislation.

Alabama has specific payday advance laws. The permitted fee is

17.5% of the amount advanced. The permitted time period is a

minimum of 10 days and a maximum of 31 days.

The maximum amount of the payday loan allowable is $500.00. No

more than one rollover is allowed.

For a thorough discussion of the payday loan industry and access

to our payday loan training materials, we recommend you proceed

to PaydayLoanIndustry.com

Payday loan Businesses Launch Offensive

More than 200 title loan and cash advance businesses in Alabama

have started an advertising and education campaign with the goal

of reversing negative press about their lending practices.

Member stores, who established the Alabama Council for Fair

Lending, announced a campaign they call "Borrow Smart Alabama".

It includes television and radio commercials, along with in-

store education discussing consumer financial education.

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low-income residents of our

state," said Charles Hunter, spokesman for the council, in a

news release.

The Alabama Council said they agree to a code that promises

fairness, honesty and integrity in all practices.

Hunter said their businesses help many people "get back on their

feet" to re-establish their credit and without their loans, they

would "have nowhere else to turn in a financial emergency."

"We intend for this campaign to communicate the truth about our

industry and to bring our stores together to reaffirm our

commitment to our customers," he said.

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low income residents of our

state. The truth is our services help many of our customers get

back on their feet or reestablish their credit." Charles Hunter,

Spokesman for the Alabama Council for Fair Lending

The association is publishing video testimonials and written

statements from customers who have used short terms loans.

The Council for Fair Lending, a trade association of Alabama-

based payday loan and title loan lenders, launched a statewide

campaign today to encourage consumers to use the more than 200

member stores in Alabama that have committed to educating

borrowers and helping them work toward financial stability.

The campaign, Borrow Smart Alabama, will include statewide

television and radio commercials along with in-store customer

education.

The Council for Fair Lending was established in May of 2007 to

enforce "accountability within the industry as well as a need to

better educate Alabama residents and members of the media about

the important services short term lenders provide to their

customers."

"Our industry has been mislabeled and misunderstood by advocacy

groups who say they want to help low income residents of our

state," said Charles Hunter, spokesman for the Council. "The

truth is our services help many of our customers get back on

their feet or reestablish their credit. Without us, they would

have nowhere else to turn in a financial emergency. We intend

for this campaign to communicate the truth about our industry

and to bring our stores together to reaffirm our commitment to

our customers."

All members of the Council for Fair Lending have agreed to a

Code of Fair Lending to which stores must adhere. This code

promises fairness, honesty and integrity in all business

practices:

We, the members of this association, in order to best serve the

citizens of this state, recognize and adopt the following

operating principles:

* All customers will be treated with concern in an honest &

professional manner.
* All customers will be fully informed of their borrowing rights

& obligations.
* We will promote the responsible use of credit and strive to

educate our customers on their financial choices.
* Our employees will treat all customers with courtesy, fairness

& integrity and will respond to any complaint about our service

promptly and directly.
* We will protect our customer’s rights to privacy with respect

to personal information.
* We will honor and respect members of active military & their

dependents. The Department of Defense’s regulations on loans

will be strictly adhered to.
* We will comply with city, county, state and federal laws and

keep our customers informed of the regulations that govern our

actions.
* We will exercise compassion to cash advance customers when

warranted by offering repayment options before proceeding with

civil collections. Title customers whose vehicles are

repossessed will be offered options to retrieve their vehicles.
* We will offer reasonably affordable loans to customers on

fixed incomes.
* We will not allow customers to roll over a loan unless

authorized by state law.
* We will give our customers the right to rescind, at no cost, a

new loan on or before the close of the next business day.
* We will prominently display the Borrow Smart seal in all of

our stores and adhere to the Borrow Smart Alabama Code of

Customer Service.

The association is publishing video testimonials and written

statements from customers who have used short terms loans.

Customers were asked to submit comments on their experience with

Borrow Smart member stores in June and July. More than 70

customers offered comments, all sharing positive experiences

with short term lending.

Stores participating in Borrow Smart Alabama and adhering to the

Code of Ethics can be identified by the Borrow Smart seal on

their doors and inside the stores. Brochures available in the

stores will educate consumers on smart lending practices. The

Borrow Smart Code of Fair Lending is available only at Borrow

Smart approved stores.

"We strongly believe that short term lending is the best choice

for some consumers, but we also know that there are sometimes

alternatives that would provide smarter solutions," Hunter said.

"We want to make sure consumers are coming to Borrow Smart

stores where they will get all the information they need to make

the right financial choice."

The Council for Fair Lending represents 200 member stores in the

state of Alabama.

For a thorough discussion of the payday loan industry and access

to our no fax payday loan training materials, we recommend you

proceed to PaydayLoanIndustry.com

Citation:
Ala. Code § 5-18A-1 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: 10-31 days
Maximum Finance Rate and Fees: 17.50%; 3%/month after default
Finance Charge for 14-day $100 loan: $17.50
APR for 14-day $100 loan: 456.25%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: None (max $

amount of loans at one time: $500)
Rollovers Permitted: One (rollover)
Cooling-off Period: Next business day after 2 continuous loans

repaid
Repayment Plan: Yes

Collection Limits:
Collection Fees: One $30 NSF fee; Court Costs; Reasonable

Attorney's Fees up to 15% of face amount of check
Criminal Action: Prohibited (Unless check returned due to closed

account)

FAQ Regarding Free No Fax Payday Loans

2009-04-30T00:29:00.000-07:00

Is there a credit check for a free no fax payday loan?
There are no credit checks performed, however, we do verify your check writing/loan history with various national databases.

What is a no fax payday loan?

A no fax payday loan is meant to be used for emergency financial situations. Our lender strives to be the #1 source for our customers’ emergency financial needs. We encourage you to use our services the way for which they are intended, not as an ongoing source for financial funding.

When will my no fax payday loan payments be due?

Since this is a payday loan, your due date is determined by your pay date. Payments are due every 10 to 14 days, regardless of how often you are paid. Please keep in mind that your generated due date may not always be in line with your pay date if your next pay date exceeds the 14 day limit. However, if at any time you have a discrepancy with your due date we encourage you to contact us to discuss the matter.

What is a payment request form and how does it pertain to me and
my no fax payday loan?

Every customer is required to submit a payment request online.
You must agree to this before you can be approved. All requests
must be submitted 2 business days prior to your due date. A
payment request is simply an electronically submitted form which
notifies us how much you wish to pay when your due date arrives.

Can I change my due date?

In order to change your due date you will need to contact us
either by phone or email.

What is the minimum amount I can pay towards my no fax payday
loan on the date due?

The minimum amount is the fees associated with your current
principal balance. For example, if you have borrowed $300, your
amount due is $375. Assuming you submit a payment request on
time, the minimum amount you would have to pay on your due date
would be $75.

How many times can I extend my no fax payday loan advance?

You are allowed to extend your payday loan as many times as
necessary, however, keep in mind these are short term loans and
should be paid back as soon as possible.

When will my funds be deposited into my bank account?

The request to withdrawal your payment from your account will
arrive at your bank at 12 am on the same day that your payment
are due. If you do not have direct deposit, keep this in mind
when scheduling your due date. Please call us if you need to
change your due date.

Why does my contract have $0.00 for the amount?

If you submit a payment request to pay your loan in full, then
the contract will show $0.00 for the amount. This means that on
your next due date your amount due will be $0.00 because you are
paying the loan off on the current due date.

What repayment options do I have?

You have 3 payment options:
1) You may pay the minimum amount and extend the loan with a NEW
CONTRACT*2) You may pay more then the minimum amount and extend the loan
with a new contract* (Payment will initially be applied to the
fees and the remainder of the payment will be applied to the
principal!)3) You may pay the total amount due (Fees will be waived if you
are a Free Loan customer)

*A new contract means: You are entering into a new loan period,
which means you have to pay the finance charge associated with
your new principal balance at the end of the next pay period.

What if there are insufficient funds when my no fax loan payment
is due?

If your payment is returned due to insufficient funds, then
collections will contact you to arrange a second attempt to
debit the payment. An insufficient funds fee, ranging from $25
to $75, will also be collected with the next debit.

Will my references be contacted?

We will verify all references before approving your no fax
payday loan, however we will not disclose the name of our
company. So, ensure you provide them with valid phone numbers.

What happens after submitting a payment request?

The amount you select to pay will be deducted from your
currentbank account on the due date. Your account will remain in
good standing with our lender.

What if I do not make a payment request on time?

If you do not submit a payment request at least 2 business days
prior to your due date, then the entire amount due will be
debited! Further, if you are a Free Loan customer, you will
forfeit your right to having the fees waived.

Will I need access to a fax machine and printer in order to
complete the loan application process?

We do suggest that you print a copy of the Check Advance
Agreement for your records, however, there is usualy no faxing
needed in order to get approved!

If I pay my no fax payday loan in full, how long must I wait
until I can apply for another?

If you have paid off your payday loan, please note that there is
a waiting period of 5-6 business days before you can apply for a
renewal. Our lender must verify that they have successfully
received your payment. If you are trying to login during the
waiting period, you will receive an error message.

What is required to get a renewal?

In order to get a renewal, you need only to submit an
application under the Renewal section and provide us with your
electronic signature. That’s it, no faxing required!

How do I find out the status of my no fax payday loan
application?

All who apply will get their status via email. In some cases, if
more info is needed, we will contact you by phone or email to
get that information. Please pay close attention to all emails
that we send you.

Can I get a no fax payday loan?

If you’re a United States resident and 18 years old then you can
get a payday advance. You must be employed and make at least a
$1,000 net monthly income in order to be eligible for this loan,
and you can not have defaulted on a debt with another loan
provider or be past due with other payday advance companie if
you want to get approved by our lender. If you satisfy all of
these requirements then you will most like qualify for a free no
fax payday loan.

When do I get the no fax payday loan?

The payday advance will be directly deposited into your checking
account the business day after your application is approved. The
payday advance application can be completed in as little as 10
minutes. Once the application is submitted our lender can process
it in as little as 30 minutes. Getting a no fax payday loan is quick,
easy, and free, so give them a try today!

For more information regarding free no fax payday loans in the various states click one below.

Alabama - Arizona - Arkansas - California - Colorado Connecticut - District of Columbia - Florida - Georgia - Hawaii Idaho - Illinois - Indiana - Iowa - Kansas - Kentucky Louisiana - Maine - Maryland - Massachusetts - Michigan Minnesota - Mississippi -Missouri - Nebraska - Nevada - New Hampshire - New Jersey - New Mexico - New York - North Carolina - Ohio Oklahoma - Oregon - Pennsylvania - South Carolina - Tennessee Texas - Virginia - Washington - Wisconsin

Free No Fax Payday Loan - The Way To Go

2009-04-29T22:55:00.000-07:00

Free No Fax Payday loans

2009-04-29T20:38:00.000-07:00

It's good to know that in these economically trying times that there are free no fax payday loans to help out. Whether you need the loan for medical, legal, vacation, business, personal or other expenses free no fax payday loans are available.

You can use these free no fax payday loans for any purpose and you won't have to answer any questions regarding the reason for the funds request. Why should you? After all it's your money.

The lenders we deal with understand what the needs of their customers are. Many people have no where else to turn and getting a free no fax payday loan is sometimes the last option they have left.

Personal financial emergencies happen to just about all of us at some point in our lives. A great solution is a free no fax payday loan. It doesn't get any better than that. Free and fast cash in your bank account.

An added advantage to our free no fax payday loans is that you can apply using our quick and easy online form and be approved in minutes any time day or night.

Your first free no fax payday loan will be:

No fax
No credit check
No interest
No hassles

We guarantee it!

For more information regarding free no fax payday loans in the various states click one below.

Alabama - Arizona - Arkansas - California - Colorado Connecticut - District of Columbia - Florida - Georgia - Hawaii Idaho - Illinois - Indiana - Iowa - Kansas - Kentucky Louisiana - Maine - Maryland - Massachusetts - Michigan Minnesota - Mississippi -Missouri - Nebraska - Nevada - New Hampshire - New Jersey - New Mexico - New York - North Carolina - Ohio Oklahoma - Oregon - Pennsylvania - South Carolina - Tennessee Texas - Virginia - Washington - Wisconsin

Too Big To Fail - The $$ Titanic

2009-02-17T09:41:00.000-08:00

To those of you with ears to hear,
The banksters they have lied!
All hands... now hear this!
WE WERE ALL SHANGHAIED!

Not too many years ago,
The banksters gained control,
Of our precious ship of state,
And took away our gold.

Our ship of state was strong,
The envy of the world,
The banksters came along,
A new mandate unfurled.

"We do not need sound currency,
That is sooo old hat!
'stead good faith and credit!
How do you like that?"

"Good faith and credit!"
Economists did salute,
No more gold or silver,
Never ending loot.

"We've now a debt based currency,
It's just TOO BIG TO FAIL!
Anointed experts all agreed,
$$ Titanic did set sail.

Once at sea emboldened,
The banksters hatched a plan,
To inflate the currency,
And stole from every man.

The fractional reserve,
And other corrupt schemes,
Where banksters loaned out dollars,
Way beyond their means.

“God help us!” warned the wiser men,
"Everyone's gone mad!"
The media and captain's crew,
Were in the bankster's bag.

"Shut up you fools!" The media scoffed,
At those who tried to warn."
Don't you know that we have,
A braver new world born?"

Amongst Titanic's privileged,
They all laughed with glee,
Jeering at the wiser men,
And lived deliciously.

Aristocracy it's said,
The meanest mortals known,
Strutted on the promenades,
And lived for self alone,

The lower class government schooled,
Doomed to haunt the hold,
Dumbed down and only knew,
The lies the government sold.

Those in the lower decks,
Didn't seem to care,
Long as bread and circus,
With a little change to spare.

The mid class though was different,
They were slowly catching on.
Some listened to the wiser men,
And began to see the con.

The captain and his crew,
They were the bankster's tools.
All of them bought and sold,
And ran that ship of fools.

The banksters had amassed,
Unprecedented wealth,
And ruled the good $$ Titanic,
With iron-fisted stealth.

The banksters and the captain's crew,
All criminally insane.
All were certifiable,
Any crime for gain.

They hated all their fellow man,
A premeditated plot.
Control the goal they had in store,
A treasonable lot.

Enroute to the brave new world,
We will promise CHANGE!
"The old ways are no good" they said,
The deck chairs rearrange.

The crowds cheered as chairs were changed,
To them this was a must.
Others though just shook their heads,
In bemusement and disgust.

For they knew all to well,
That change was just a con,
To control us and distract us,
From what was going on.

The change the dupes demanded,
Brought taxes and new fees,
And chairs must be controlled,
By the armed police.

The cruise itself went well at first,
Despite the bankster's tools.
But debt began to pile up quick,
By the greedy and the fools.

$$ Titanic is "TOO BIG TO FAIL"
"We'll make the new world safe"
The banksters laughed as they grew rich,
As the rest were laid to waste.

The wiser men warned of a fall,
It's imminence was near,
'stead the people scorned and scoffed,
Few would even hear.

And then upon one fateful eve,
I always will remember,
Parties raging round the ship,
A sudden deadly tremor.

Few felt the shudder at first,
It quickly was dismissed,
Titanic is "too big to fail",
And parties can't be missed.

The cause was not so clear at first,
To captain and to crew.
They searched around for answers,
But didn't have a clue.

Then reports from below,
"We've got water comin' in"
"Hmm.., how do I relay this?
Help me find the spin."

The captain consulted with his crew,
And conspired on this spin,
"All is well, it's just the pipes,
Leaking from within."

The people cheered the gallant crew,
So able and adept,
Although the ship was sinking,
Even as they slept.

$$ Titanic she did take on debt,
At quite dramatic speed,
They lamely tried to stop it,
But never did succeed.

The captian's favor waning now,
As $$ Titanic took on debt,
"We need someone to give us change!"
And change is what they'd get.

A vote went out amongst the dupes,
To elect another Cap.
He'll bring us lots and lots of change,
And other feel-good sap.

The new Cap had to tell the folks,
The ship was going down,
But, that there might be a way,
If they didn't want to drown.

"First of all I'll need a crew
To get us out this mess"
They were the same old suspects,
Just as you might guess.

Titanic now did list to port,
"Bail with all your might!
Bail into the starboard side,
That'll make her right."

"Bail water in -
It's the only way!"
They all saw the "genius",
And quickly did obey.

"This'll sink us faster"
The wiser men did say,
"Shut up you fools and help us bail,
There is no other way."

Inflation was a mess by now,
The bailing did much harm.
Life vests cost a million,
The banksters safe and warm.

"We must seize control" Cap said,
"Capitalism' failed,
"You know it's for the common good."
Tyranny unveiled.

The Cap's fans, a loyal bunch,
A cultish restless throng.
They all walked in lockstep,
The Cap could do no wrong.

To speak against the Cap,
Would not be very smart,
For peace was on their cultish lips,
But war was in their heart.

The wiser men did spread the word,
That "We had been Shanghaied."
Wisdom ne'r did prevail,
Common sense had died.

Those of them demanding change,
Were quick to place the blame.
"Those who clung to their old ways,
Should hang their heads in shame!"

"Capitalism brought disaster,
It's greedy, corrupt ways,
Yes we can. We'll spread the wealth",
All their eyes aglaze.

Those banksters loved to "spread the wealth",
By this were fortunes built.
Each bailout filled their Swiss accounts,
And filled them to the hilt!

The wiser men had tried to warn,
$$ Titanic would become,
Stratified, rich and poor.
A teeming, angry slum.

Militant factions did rise up,
A coalition of the manic.
'Twas The goal to rest control,
Of the sinking $$ Titanic.

Uncivil war did break out,
As per the banksters plan,
The gutter would rise to power,
No place for an honest man.

Life became easy to take,
For it was seen as cheap.
Long as it was not their own,
It took no moral leap.

The uncivil war left many dead,
The evil ones prevailed,
The banksters they would have their way,
Righteous men had failed.

Now when the ship did list again,
The banksters seized the day.
"We've thought this through long and hard
There IS a better way!"

The people oh so desperate now,
Would go for anything,
No matter how draconian,
No matter what it bring.

"To save our ship,
We must embrace universal notes
A common global currency
One that surely floats."

They traded in their currency,
The idiot and knave.
Pennies on the dollar,
Were all the banksters gave.

The wiser men did protest,
The bankster's bold new heist,
An official kleptocracy,
Now the new zeitgeist.

"Tyranny is always born,
In troubled times as this.
They create the problem,
And give an oppressive fix."

"There is no tyranny!" cried Cap,
You're standing in the way
Of a promised brave new world.
And a better day."

Now, Cap he knew the wiser men,
Were on to all he did,
"I must think of something quick,
To keep my actions hid!"

"We have a threat that we MUST stop
I know you'll all agree,
Seize those who spread lies and hate,
It's downright mutiny!"

The mob they cheered on hearing,
The Cap's new decree,
Vengeance would be theirs they said,
No more mutiny!

The wiser men were rounded up,
Accused of spreading hate,
They were thrown overboard,
The Cap had sealed their fate.

"The haters are now gone" said Cap,
But we must be aware,
There still are those among us,
Our views they do not share.

"So find them out report to me,
This cancer must be cropped,
We'll right the good Titanic,
All haters must be stopped!"

The cult of Cap acted quick,
The haters they did seize,
Those who clung to their old ways,
Were cast into the seas.

The banksters let a ghoulish laugh,
Their enemies now dead,
The dupes had done their dirty work,
Safely in their stead.

Alas the ship did right herself,
With all the haters gone,
Solid proof the Cap was right,
And all the haters wrong.

The dupes they felt better now,
Their nemeses removed,
They killed the only friends they had,
And everyone approved.

Then the bow did start to plunge,
Into the hater's grave,
"The Cap was right" the band played on,
To idiots and knaves.

Just before $$ Titanic sunk,
The banksters filled life boats,
With all the gold they'd plundered,
And left their worthless notes.

"It was a con too big to fail"
The banksters ghastly gloat,
$$ Titanic sunk beneath the waves,
And Cap he rowed the boat.

To those of you with ears to hear,
The banksters they have lied!
All hands... now hear this!
WE WERE ALL SHANGHAIED!

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2008-02-01T15:47:00.000-08:00

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Finally! - Utah Moves To Protect Citizens From Illegal Alien ID Theft
Salt Lake City - In a rare move, a state attorney general plans to begin notifying thousands of residents whom it suspects have had their Social Security numbers misused by undocumented job applicants. (read illegal aliens)

San Diego Fire vs Katrina - A Test Of Civility
The fires of San Diego are still raging round about and are only five percent contained at the time of this writing. There are similarities between New Orleans and San Diego. Both have been besieged by natural disasters (hurricane Katrina and the fires) and both are metropolitan cities. This is where the similarities seem to end though.

Ex-ACLU President Gets 7 Years For Kiddie Porn
Ah, now we know why the ACLU defends pedophiles so strenuously!
Charles Rust-Tierney, 51, was president of the board of directors of the ACLU's Virginia affiliate from 1993 to 2005 and resigned from the ACLU's board the day he was arrested. He was also the ACLU’s stalwart champion of unrestricted porn access in public libraries. (At taxpayer expense)

Ron Paul - Hey, What's the Big Idea?!!!
Do you belong...do you truly belong? When your party officials speak do they speak at you or for you? Do you feel valued by your candidates, or are they just too busy pandering to voting blocks to worry about individuals such as yourselves? Are you really at home with your party? Are your leaders doing the right thing?If you cannot...

Ron Paul - Home to the Politically Homeless
For most voters in the US in either of the major parties there is an ever increasing sense of alienation. Within both parties new factions have recently arisen and have hijacked their political infrastructures leaving many (such as myself) within their respective bases politically destitute and homeless.

"Jena 6" - What You're Not Being Told
Sometimes the story not told is as important or more important than the one being told. There is a great deal of hysteria and hyperbole surrounding this unfolding event. Tensions and rhetoric are high on both sides of the issue, but what are the hard facts? The truth is striving to be told through all of the innuendo and irrational spin.

Forbes Richest Fraud!
Every year Forbes omits the ultra-wealthy "blue bloods" who own our Federal Reserve and much, much more. We all know who they are, most of their names have become household words over the last 4 generations. Why are their names not included in the top 400 richest list year after year? Read more here

"Peru Meteor"- Scuttled KH-13 Military Satellite
This story just keeps getting stranger by the day. The available evidence strongly points to the "Peru meteorite" as being a deliberately and hastily scuttled military satellite. Let us take a closer look. Read more here

The Benefits Of Global Warming
We never hear the good news about global warming and it's counterbalancing effect to the relatively cold world from which we have only recently emerged. It's not all doom and gloom as you have been led to believe. One Canadian writer put it well when he said. "Global warming hmmm - and that negatively effects me how?" Read more here

The Apple - An Atheist's Worst Nightmare
Dear readers, have you ever wondered why the modern term for a bit of information is called a Byte? The first fruit from the information superhighway ... Read more here

US High School Bans American Flag
SAMPSON COUNTY, N.C. – On the sixth anniversary of the Sept. 11 attacks, students at one high school were not allowed to wear clothes with an American flag.Under a new school rule, students at Hobbton High School are not allowed to wear items with flags, from any country, including the United States. Read more here

Politics And The Pleasure Principle (Pt 2)
This is the logo of the Goals 2000 Education Curriculum implemented under the Clinton administration by then Secretary of Education Donna Sheliela, and heartily endorsed by the National Education Association. (NEA) This curriculum was hatched at the United Nations under the auspices of new ager Robert Muller. Of course He was not the sole architect, ... Read more here

Politics And The Pleasure Principle
Dear visitor, Welcome! Let me begin by asking you (the one for whom this site was made) a few questions about some of the great paradoxes of our day. These are probably questions which you have not considered, but they are critically important. What you are about to learn is probably not like anything you have ever seen or heard before. Read the article here

Feds Commandeer NORAD For Continuity Of Govt!
Santa won't have to worry about being tracked by NORAD anymore, the feds are moving in and NORAD is moving out. This is all part of the Continuity of Government (COG) - (pdf file) plan authorized by President Bush. If this doesn't raise your eyebrows then... Read the article here

Are Dams a Major Global Warming Contributor?
Don't give up that SUV just yet. A new study shows that dams are worse than burning fossil fuels! Just when you were sure it was SUV's, or livestock, or moose, or those evil babies, you get the global warming rug pulled out from underneath you for the umteenth time. The new evil is those dams! Read more here

6 Nukes Fly Over The US - Big Problems With This Story!

As the "official" story of six wayward nukes unfolds inconsistencies abound, and government reacts with absurd remedies. Government culture is not known for it's intelligence or common sense I grant you, but their reaction seems almost "Alice in Wonderland" like. Let's examine:
Read More Here

You Just Gotta See This! - Muslims Protest Cartoon!

Many protests have been sparked by yet another offensive cartoon: This is a must read! Click here

Children Ruining The Planet! - Adding To Global Warming!
Once I began reading this alarmist story I couldn't put it down. It was such a fascinating piece of fiendish propaganda I was in awe. The journalistic fraud and scientific quackery here is as stunning as it is ghoulish. Read more here

Defending your home = War on black males?
Here is a stunning bit of logic from one of our elected officials. You gotta read this. Click here for the article

Warning - They're Putting Aluminum In Your Food!!!

Aluminum was found to be toxic to the nervous system of animals over 100 years ago. Injecting aluminum into the brains of sheep was reported in 1965 to result in changes in the brain that showed a “striking resemblance” to Alzheimer's disease (AD) in people. In 1973, brains of AD patients were found to contain more aluminum ... Click here for the article

The Enemies Within

The following is a documented chronicle of internal enemies of the people and Constitution of the US. This list is not complete, and is an ongoing project. Click here for the article

If The Left And Right Had Their Way In The USA

Dear reader does the heavy hand of power in America cause you private distress? Can you feel the stress fractures growing between the government and the governed? If you answered yes to the above then you are my favorite audience with whom I would like very much to dialogue.
Click here for the article

UN: Meat The Lead Cause Of Global Warming!
The United Nations Food and Agriculture Organization issued a report stating that the livestock business generates more greenhouse gas emissions than all forms of transportation combined. Wow! More than all forms of transportation combined? I am speechless, not really...Click here for the article

Global Warming Crime Wave - Shocker!

Yet another horrible consequence of global warming - more crime! Oh God, why can't I be this creative?! No, you little people can't make this stuff up, only the folks at ABC can do that. You can see for yourself - Climate change offers new criminal opportunities, experts warn
The first paragraph reads as follows; To read more click here

Paradoxes Of The Global Charade Pt1
Let us examine some of the great yet little known paradoxes of our day. They will prove to be points of intense controversy once brought to light. These are paradoxes which you probably have not considered, but they are critically important if we are to gain awareness of the profound events which are shaping our world today. Read the whole article here

Hate On The Rise - Are Race Wars Imminent?

Let us begin by asking ourselves the most important question that may be asked, and indeed must be asked. Who are the haters? Is it western nations who take in hostile ethnic minorities with good will, or is it the minorities who become militant towards their gracious hosts? The west freely lavishes them with entitlements and opens their treasuries, schools, hospitals, and boundless opportunities to them ... Click here for the rest of the story

Beano And The Beast!

The global warming crowd has a real situation on their hands. It seems moose are major culprits in global warming. Of course all herbivores/omnivores such as deer, bears, ducks and more emit high amounts of flatulent methane, (the most evil of greenhouse gasses) but the moose...Read the whole article here

Global Warming Toys For Tots

Is your child apathetic or indifferent to the global warming crisis? Or even worse are they deniers? Not any more! Now you too can have these ultra trendy global warming toys for your children. You're sure to cause a sensation! But don't wait till Christmas (oops! we mean winter festival) Get 'em while they're hot! Read the whole article here

Judicial Watch - Bad Judges

Where do these judges come from? Are they from Hell? You be the judge! Thousands of Americans are victimized every year because judges like the ones listed here don't, won't or can't do their jobs. Every year thousands of rapes, DUI related deaths, murders, assaults, and robberies occur needlessly in the US and are 100% preventable. Many, if not most of these... Read the whole article here

Global Wa rming Schizophrenia

Sometimes I feel schizophrenic when I read all of the self-contradictory global warming studies, stories, and UN proclamations. I just don’t know how they do it! They tell us more hurricanes, less hurricanes, coral reefs grow, coral reefs shrink, and the list grows everyday. It is through the chaos of these stories that the truth is striving to be told. Read the whole article here

Warning - Global Warming Censorship!

I find it alarming that pro-global warming stories are invariably ranked higher in the search engines than the voices of dissent. What are the chances that stories debunking global warming would rank lower in the major search engines than pro-warming stories? Is it possible that global warming dissent is being suppressed? What sort of al-gore-ithms are the search engines using? Read the whole article here

MORE PSYCHOLOGISTS AND DRUGS = MORE PSYCHOLOGICAL PROBLEMS
Here is a real psycho-paradox. The more psychologists the more psychological problems we seem to become plagued with. We spend more money than ever and do more research into drugs to cure us than ever before. With the multitudes of drugs and armies of psychologists which have arisen to assist us you would expect our mental health to be getting better right?. What is wrong? Read the whole article here

Ex-Clinton Official Ties Minneapolis Bridge Collapse to Global Warming

Oh, I wish, I wish, I wish I were creative enough to make this stuff up! Just when you thought you'd heard it all. This is soooo bizarre and asinine I would have thought even it's mere mention would have been rejected. Not so. Yes you read it right, the global warming crowd are trying to blame the Minnesota bridge collapse on you and me. We make such handy villains in all of their stories. ... Read the whole article here

Media's New Magic Bullets
The AFP, a global news outlet ran this absurd story. One of the carriers of the story was Yahoo. Let's examine this sample of blatant media spin. If this doesn't get your blood boiling then you are either not paying attention, brain dead or you are on their side, but then ... Read the whole article here

Global Warming Hoax Exposed: Polar Bears In Peril
There certainly seems to be no shortage of misinformation surrounding the global warming debate. The proof is in this video.. . Read the whole article here

Global Warping part ll

Global warping (I mean warming) causes Tsunami's now! In a recent Newsweek cover story article (April 16) entitled "It's Hip to Be Green," Newsweek correspondent Anna Kuchment states with pride that young people have "woken up the the realities of global warming." She cites a survey that says a majority of teens believe we need to take "immediate, drastic" action. She also says that this generation is the first to feel the effects of climate change so dramatically because of freakish weather patterns and tragedies like the "Christmas 2004 tsunami."... Read the whole article here

Fuzzy Math of Climate Change - Astounding!

Let's take a breathtaking tour of some blatant journalistic malpractice and outright scientific fraud surrounding global warming! What you are about to read can only be categorized as propaganda, it certainly is not journalism or science! The problem is that it comes with a color of authority from "respected" media. I wonder if anyone noticed the outlandish fuzzy math used in the first global warming article below? The editor, author, and contributing scientists certainly didn't seem to notice or care. Or did they? Read the whole article here

GLOBAL WARMING AND A WHALE OF A TALE
-Heeere’s a whale of a tale - I’ll tell ya lads - A whale of a tale or two-ooo-
To be sung in a loud tenor so as not to be questioned by the sheeple!

I must say that global warming has me working overtime with all of it's contradictory claims. Here's one whale of a tale. (Pun intended)

On July 6Th 2007 ScienceDaily reported in an article entitled "Skinny gray whales swim Pacific Coast" as follows. Read the whole article here

Global Warping part l

Of course the global warming debate is known by most everyone, but how well known? Ahead we shall take a look at some extraordinary yet little known examples of hyperbole that have somehow become planks of the global warming platform. It is important to identify them, discredit them... Read the whole article here

Ron Paul...He's Crazy!

2008-02-01T15:30:00.000-08:00

A close look at the Ron Paul agenda and some reading between the lines yields some startling revelations that most Americans have yet to even begin to comprehend. Prepare to be shocked!

Let's sum it up briefly. Ron Paul wants to:

Restore ALL eroded personal liberties - he's crazy!
Let you keep ALL of the money you worked for - he's insane!
End perpetual war - he's out of his mind!
Restore sound currency - he's looney tunes!
Restrain (via the Constitution) out of control government - he's bonkers!
Implement REAL free trade that actually benefits America - he's mad!
Secure our wide open borders - he's a vigilante!
Stop policing the world - he's a kook!
Follow the Constitution - he's a radical!
Restore US sovereingty - he's a nut job!
Stop ALL foreign aid, even to China - he's a french fry short of a Happy Meal!
Abolish the department of Homeland Insecurity - he's a fruit loop!
Abolish the unconstitutional IRS - he's daft!
Abolish the inept and wasteful Department of Education - he's cuckoo!
Abolish the CIA who installs dictators for us to fight - he's over the top!
Stop illegal immigration - he's out to lunch!
Abolish the Federal Reserve who causes economic crashes - he's a maniac!
Have peaceful relations with other nations - he's a monster!
Stop installing brutal US puppet dictators such as Saddam Hussein, Mushariff, Aristeed, the Shaw of Iran, Noriega, and George W. Bush - he's a fiend!
End all aid and backing to our beloved tinpot dictators - he's ghoulish!
Eliminate government waste - he's dangerous!
Make hundreds of thousands of government bureaucrats go earn an honest living and stop harrasing the American people - he's my hero!

I marvel at how the pundits and the deluded masses heartily defend our out of control government. They argue for their own enslavement. It's OK to come off of the oppressive government plantation! I realize most people are afraid of the real change that Ron Paul offers. Freedom, and peace, and true prosperity will NOT hurt you I promise.

Get ready for some real shock and awe when Ron Paul turns this nation around. We will again be the envy of the world instead of the outlaw.

Latest Posts

2007-11-01T09:35:00.000-07:00

Scientists Kill Oldest Living Creature On Earth! - Our Tax Dollars At Work
marine biologists have found what may be the oldest living animal — that is, until they killed it.

Illegal "Victims" - Stealing Disaster Supplies Americans Won't
The fact that illegals steal from those in need is not shocking, but the media's love affair with them is. They couldn't find any dirt on Americans during the fires so they had to take this opportunity to finger point and badger us once again about our "racist" tendencies. Let's compare and examine...

You Just Gotta See This! - Muslims Protest Cartoon!

Many protests have been sparked by yet another offensive cartoon: This is a must read! Click here

Liberal Twilight Zone

You are about to enter a strange world. A world where up is down, right is wrong and ideals have somehow become crimes. You are about to witness a land of shady contradictions - shadows and paradox. You've just crossed over to the Liberal Twilight Zone. Click here for the article

Defending your home = War on black males!
Here is a stunning bit of logic from one of our elected officials. You gotta read this. Click here for the article

If The Left Had Their Way In The USA

Dear reader does the heavy hand of power in America cause you private distress? Can you feel the stress fractures growing between the government and the governed? If you answered yes to the above then you are my favorite audience with whom I would like very much to dialogue.
Click here for the article

Beano And The Beast!

Global Warming Toys For Tots

Warning - Global Warming Censorship!

Ex-Clinton Official Ties Minneapolis Bridge Collapse to Global Warming

Fuzzy Math of Climate Change - Astounding!

Scientists Kill Oldest Living Creature On Earth! - Our Tax Dollars At Work

2007-11-01T09:19:00.000-07:00

Scientists Find Oldest Living Animal, Then Kill It

British marine biologists have found what may be the oldest living animal — that is, until they killed it.

The team from Bangor University in Wales was dredging the waters north of Iceland as part of routine research when the unfortunate specimen, belonging to the clam species Arctica islandica, commonly known as the ocean quahog, was hauled up from waters 250 feet deep.

Only after researchers cut through its shell, which made it more of an ex-clam, and counted its growth rings did they realize how old it had been — between 405 and 410 years old.

Another clam of the same species had been verified at 220 years old, and a third may have lived 374 years. But this most recent clam was the oldest yet.

"Its death is an unfortunate aspect of this work, but we hope to derive lots of information from it," postdoctoral scientist Al Wanamaker told London's Guardian newspaper. "For our work, it's a bonus, but it wasn't good for this particular animal."

What won't they kill to "derive lots of information "? Seems like a shame since it was unique. I'm not an animal rights guy by any means, but it seems like a real waste of taxes to pay people to do meaningless research like this. What sort of "bonus" could they get here? I'm not a scientist but I'll bet the knowledge gained won't be worth the act of killing the oldest known creature on the planet!

Latest Posts

2007-10-30T12:45:00.000-07:00

Scientists Kill Oldest Living Creature On Earth! - Our Tax Dollars At Work
marine biologists have found what may be the oldest living animal — that is, until they killed it.

You Just Gotta See This! - Muslims Protest Cartoon!

Many protests have been sparked by yet another offensive cartoon: This is a must read! Click here

Defending your home = War on black males!
Here is a stunning bit of logic from one of our elected officials. You gotta read this. Click here for the article

Beano And The Beast!

Global Warming Toys For Tots

Warning - Global Warming Censorship!

Ex-Clinton Official Ties Minneapolis Bridge Collapse to Global Warming

Fuzzy Math of Climate Change - Astounding!