Tis the season to be jolly! Many are looking for that perfect gift to buy that special someone. Leadpile has the offer for those publishers and networks that are looking at connecting those consumers with the auto dealership. We will accept banner, email, PPC, SEO and contextual traffic. If you have auto finance traffic, contact your affiliate manager today!
CALLING ALL PUBLISHERS!!!!
Leadpile is looking for additional traffic to our holiday payday loan offer. This is the time of the year when trying to match up those consumers with the much needed holiday cash is important. If you are looking at generating additional revenue during this holiday season, reach out to your Leadpile Affiliate Manager. We will accept PPC, SEO, email, and banner traffic to this offer. Payouts are up to $96.00!
Last year, 57 million people hit the stores for Black Friday and even
more are expected to show up this year. The day following Thanksgiving has become one of the most popular times of the year for retailers to offer large discounts to customers, making about a third of retailer’s sales for the year. About 31 percent of households are predicted to shop on Black Friday.
Stores like Walmart will be selling high-definition TVs for under $200 and cameras for around $60 offering prices that are largely discounted compared to the rest of the year. The economy’s current state is also expected to make an impact on the number of people looking for lower prices.
Let’s face it, the economy is in a slump and this is affecting people being able to pay their bills amongst many other things. The good news is, that the economy is going to get better, which means lenders are going to start lending again AND credit will be extended to consumers again. However, if you do not have your credit in check, you will not be able to take advantage of this. The first thing to do, when trying to fix your credit, is understand what your credit score is AND what makes up that credit score. First, you need to understand who the credit reporting agencies are that are gathering this information. The three credit reporting agencies are Experian, Equifax, and TransUnion. Secondly, you need to understand what a good and bad FICO (also known as a credit score) is. A credit score can be between 300 and 850. The higher your credit score, the better. Finally, you need to read your credit report and understand what is on it. To understand it, you must know the main things that make up your credit score:
1. How you pay your bills- your payment history on your credit cards and loans is the biggest factor in making up your score. This means if you have not paid your bills on time, now is the time to start.
2. What do you owe on your credit cards and loans- if you have your balances maxed out on all your creditors, this will negatively affect your credit score. Stopping charging immediately if the balances are close to their limits.
3. How long have you had each of your creditors-the newer the credit, the more it will negatively affect you. If you are applying for new credit cards, stop now to help your credit score. Keep a few creditors for a long period of time and that will help your score.
4. Do you have all sorts of creditors like car loans, credit cards, installment loans etc-the credit bureaus likes to see a diverse selection of creditors. This is not a major factor in your credit score, but something to think about if you are thinking about getting a new creditor.
Leadpile is currently working on generating this sort of lead and will welcome publishers that will eventually be interested in connecting those consumers that want to know their credit score, with the company that will be able to provide this service. KNOWLEDGE IS POWER!
The downturn of the economy has left many people with high credit card balances and not many options. Payday loans have been and will continue to be a great source of necessary and quickly needed funds for a large number of consumers however don’t always offer the larger amount loans or longer payment terms that personal loans once offered. Prior to the economy taking a downward turn and home-equity loans becoming the popular choice personal loans were the main option for many people.
Recently, as the demand to borrow money has become necessary for many, personal loans have been in demand and the supply is starting to make a comeback. Personal loans, can offer the longer terms and higher borrowing amounts than payday is typically able to and offers a much better option and interest rate than credit cards do.
Recently, according to CBS MoneyWatch, banks including Wells Fargo, Discover Financial, Citi and CapitalOne are all currently offering personal loans.
Wells Fargo – loaning $3,000 – $10,000 for lengths as long as five years
Citi – $300 – $7.500
Discover Financial – lending up to $25,000
This is the time of year when all of us start shopping for our holidays gifts. Unfortunately, some are not able to afford the holidays, so they are looking for a short term loan to get them by. Leadpile wants to be able to provide those consumers with the much needed loan.
If you are generating payday loan leads and are looking for an additional place to try and place those leads, please reach out to Leadpile.
GOT WEEKEND traffic too??
Leadpile is looking for additional WEEKEND traffic for our *exclusive* lenders!
Acceptance: 7-10%
Payout: $20.00 CPA
Schedule: All day Saturday and Sunday
Basic filters:
*No military
*Checking account with direct deposit only
*Employed ONLY
*ALL pay periods accepted
Allowed traffic: PPC, SEO, Display and email
Looking for something fun to do with friends and family while enjoying some fresh air, nature and time outdoors?
In honor of Veterans Day, November 11th National Parks will not be charging any entrance fees. The free entrance is valid for more than 100 parks that typically charge to enter.
Shops and lodges based in the national parks are offering two-for-one deals and other discounts on this day as well. Details on these discounts can be found here: http://www.parkpartners.org/Special-Offers-for-2010.html .
Want to plan ahead? Free days next year have already been announced including April 16-24, September 24 and November 11.
It seems that Montana might be the next state that could be incorporating payday loan interest rate caps. Myloansconsolidated.com is reporting that there is some new news out there regarding Montana, and a potential vote on a payday loan law that could be passed. If the law passes it would put a cap of 36% interest rate on payday loan and cash advances.
States jumping in and trying to regulate these short term loans is something that is not anything new, however what state will be affected next is what we are all watching. We work a lot with the payday loan leads and want to make sure we are knowledgeable of any new payday loan news going on. We will all wait and see if Montana implements this new law. Stay tuned.
The number of underbanked consumers having little to no ability to obtain credit or utilize the services of a conventional bank is currently 60 million and growing. Companies have been emerging to help these consumers, with the newest of which being ZestCash. Douglas Merrill, the former Google CIO and VP of engineering launched the new ZestCash product hoping to serve and attract the underbanked and aim to legitimize the payday loan industry.
The traditional payday loan is between $100 – $1,500 and paid back on the consumers next two pay dates, offering at times an extension for an added fee. ZestCash differs from these loans by allowing the loan amount and length to be chosen by the consumer. The consumer is shown the amount of the loan chosen broken down by weekly payments (which are auto debited from the customers bank account) prior to the loan being given.
Currently, ZestCash has a $500 borrowing limit operating online without any brick and mortar locations.
Just when things were hopefully starting to try and go in the right direction, it seems that there might be a change in that “positive” direction with our housing market. Reuters is reporting that 49 states in our nation have their attorney generals investigating allegations that there were banks not following the proper foreclosure procedures. Alabama was the only state in our nation to not pursue investigations into the lenders practices. No one is sure why that is at this time.
Some banks are not admitting to doing anything wrong, however Bank of America has currently halted any evictions for the time being. Other banks are not admitting any wrong but they are saying they followed the correct protocol in order to foreclosure on homes. What affect is this sort of controversy having on our economy? Of course when things are going right, or there is an election coming up, there are going to be people pointing fingers at each other. However, the question really is, did our nations mortgage lenders try to cut corners on processing foreclosures? If so, why?
Going to your favorite shopping website could become something that will become a little more “friendlier” user experience. With recent issues with companies that are partnering up with online retail shopping sites, there has been some complaints by consumers that don’t like what happens on their shopping sites. Many shopping sites in the past have partnered up with companies that privide offers to consumers throughout their shopping experience, however many of these offers are not very clear to the consumers. Because there is not alot of clarity to what the consumer is clicking on, many consumers click on offers that they had no understanding of what they were doing. Many consumers have complained to the online shopping sites, causing the shopping sites to discontinue these partnerships. Yahoo Finance points out some things to do to protect yourself online:
1. Use your credit card, not your debit card. There is better financial protection for you by the bank if you use a credit card versus the debt card.
2. Be careful what you are clicking on. If you are on an online shopping site, ignore and pop ups or offers that appear on your screen. Clicking on these offers could cost you even more money!
3. Watch you credit card bills. Banks mess up, just like we all mess up with accidentally clicking on things, so review your credit card bill each month to make sure every charge is legitimate. If not, contact your credit card company immediately to dispute the charge.
Leadpile works with partnerships where we potentially offer secondary offers to our consumers filling out our forms, however we never utilize any offers that are pre populated or are deceiving. There is a loose loose situation if companies are doing this negative sort of lead generation. So pay attention to what you are clicking on online!
PDLindustry.com blog is reporting some new Wisconsin lending laws will be taking effect in January. These changes could affect those payday loan lenders that we are working with online, but also affect those lenders that are running the brick and mortar stores.
Some of the new changes in Wisconsin will be:
* There will no longer be title loans available
* Payday loans will have no interest rate cap
* 90 day minimum term
* The maximum principal and interest is $1,500
* There will be a state database in place
* Customer files will be maintained for 3 years
* There will be no late fees
* There will be no no wage garnishment or criminal prosecution on debtors