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

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.

Google has recently created a car that can automatically drive itself. Although some of the speculation from the public has been over concerns with safety, Google claims they could actually be safer than a normal vehicle because it eliminates humor error. In fact, the automatic driving cars have already been tested in California on 140,000 miles of road stretched from Silicon Valley to Santa Monica, with only one accident that was caused and faulted by another driver.

The cars are run by a computer system that takes control but allows the driver to take over when desired or necessary. This gives the driver the opportunity to have time to do other tasks aside from driving while getting to their destination.

To come up with the self-driving car, Google hired professional engineers who had previously worked on automated car races. With safety in mind, they made the vehicle with instant reaction time and even a gas operation system to help reduce gasoline usage.

Although the testing has proved to be positive so far, the car is not expected to be something that would be available to the public for at least another 8 years. In the meantime, Leadpile is still working with the regular auto finance leads!

The sentence “Companies are having a hard time filling positions” may seem odd given the current economic recession, but this sentence is true. The number of open job positions has increased 37% from last year but there are still 15 million unemployed adults, 40%, which have been out of, work for 6 months or longer.

Companies were forced for combine job tasks when doing layoffs last year. Now, someone who hopes to get those jobs must meet the new requirements. For example, accountants must also do financial analysis, factory workers need to program computers to run machinery and information technology workers are being forced to do both the business and technology side of the job.

Unemployed workers are being forced to take courses to learn their new skills and obtain certification. Employers rather wait and hold job vacant then settle for less.

Leadpile works in the education space, check out our EDU offer and help promote degrees to help you get your dream job.

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

Home loan lenders generally represent financial services agencies and bankers who offer dedicated home loan arrangements to prospective home owners. They can easily power through the home loan needs of one and all in no time. Home loan lenders work under the compliance and guidance set out by the state governments. The financing solutions which are powered by reliable service providers can provide longer term benefits to prospective home owners. Generally, the interest rates that are associated with home loans are competitive in nature. Secured mortgage home loans are most sought out after by debtors in the financial arena at all times. However, financing cost would matter a lot on the income sources, risk assumptions and risk profiles associated with a debtor. They can easily gain through custom made home loan rates in a sequential manner. Stiff competition exists in the market space of home loans. Therefore, competitive landscape of solutions can be expected by debtors. Reliability and expert advice should always be on the mind of a debtor while they are trying to avail home loan solution to meet their financial needs in a gradual manner.

How To Secure Competitive Deals Through Home Loan Lenders?

Competitive solutions can be offered by leadings service providers based on prevalent interest rates and risk assumptions. Online channels can provide fair solutions to debtors while they are trying to benefit from a home loan solution. Competitive solutions can be traced and tracked by debtors in a seamless manner in no time. Third party home loan agencies can also provide competitive home loan solutions. They work as intermediaries between a debtor and financial service provider. They generally maintain stronger nexus with the services provider and make money through commission basis from both the sides. Such competitive home loan solutions have in fact powered the growth of financial sector in last quarter.

Home loan lenders can however be ruthless when it comes to payment defaults and foreclosures. Generally, high interest fines and late fee charges are imposed onto debtors when they default on paying on time. Proper research and thorough understanding of home loan financing solutions can provide ultimate advantage to one and all.
Get going and benefit from competitive home loan solution in order to sport a brand new home. A reliable and longer horizon home loan financing solution can provide optimum financing to prospective debtors in just about no time.

Generation Y adults are making it more difficult for the auto world by not having such a large dependence on cars. Todays generation is more likely to buy items such as software, computers, smart phones, or music. Motorists from the ages of 21-30 make a up market of about 80 million people.
Although sales are not expected to decrease, they will not likely be as high as the baby boomers generation who make more multiple car purchases and view cars as a status object. Instead, they are looking for cars that are more affordable and simplistic.

The generation Yers tend to see cars as an environmental threat. Even with the new Hybrid and electric cars, many still view autos as being a polluter. Auto manufacturers and dealers alike are scrambling to find a way to appeal to this generation as the baby boomer’s generation turns 65 next year and won’t be their largest consumer base any longer.

Leadpile works closely with auto finance leads and still has a large demand that tell us people are still interested in purchasing vehicles. Todays consumers might be looking for different types of vehicles,but they are still looking nonetheless.

It seems all we ever read about is the “negative” about the payday loan industry, however there seems to be some positive momentum happening for payday lenders. Are people finally seeing that there is a need to help those consumers that are paycheck to paycheck? Americanbanker.com is reporting some positive news for the overly criticized payday loan industry.
Are lenders closing up store fronts to help cut costs, and therefore going to be utilizing the internet more to generate their business? For some, the answer it yes. Future growth for many payday lenders is probably going to be in the alternative products that many are getting into to help diversify their portfolio. Launching new products such as pre paid credit cards and bill pay services are some of the products that payday lenders are either getting into, or have already tapped into. This is great news for the longevity of the payday lenders. So what are these payday lenders going to be doing in the states where the payday loans are banned? Getting into ownership of pawn shops appears to be the direction many lenders are going in states such as WA and AZ. Lots of positive things happening, and we are anxious to see how Leadpile will be apart of the future success of the lenders.

Arizona has continued to cause a substantial amount of current buzz. In the midst of the new immigration laws being debated, President Barack Obama has assigned additional National Guard troops to the Mexican border for the administration’s border protection plan.
The bill was signed by the President on August 13 and gives $600 million in funding to help secure the border. This funding will go towards extra vehicles, new operating bases, new law enforcement agents, equipment and more.
Beyond border protection, this new operation with new enforcement will be working on entry identifications and criminal intelligence.

Being located in Arizona, Leadpile has kept up with the surrounding events and will continue to keep you updated. With so much controversy going on at the border, only time will tell if these new troops are a wise investment.

In NY there seems to be some interest with potentially passing a law that would allow check cashing stores to lend money. The bill, they would call the “Short-Term Financial Services Loan Act”, would potentially allow registered check-cashing stores to make loans between $300 and $2,000 for 90 to 180 days. The loans could not be more than 25 percent of a borrower’s gross monthly income; installment repayments must be 10 percent or less. This could certainly benefit those frequenting the check-cashing stores that are paycheck to paycheck. New Yorkers are in need of this sort of short term loan because there are about 825,000 un-banked adults in New York City, according to the Department of Consumer Affairs, and this is something I am sure is similar in some of our nation’s largest cities. Advocates of this new pending law are wanting it to be known that this is NOT a payday loan, but it is in fact a loan with a repayment schedule that has installment payments within two days of a borrower’s payday.
No matter what it would be “called” it seems that there could be some additional resources for New Yorkers that are paycheck to paycheck. If a law like this is passed in NY, then will other states follow? We shall see… Stay tuned!

Needing a small amount of money to get you through until payday is something that everyone has experienced at some point in their lives. Whether it be for an emergency or it’s just a situation where you are short on cash, a payday loan can be the fastest most convenient option to get you through until payday.

Payday loans, once only available through store fronts requiring you to stand in line can now be applied for and obtained through online lenders. Applying for a payday loan over the Internet not only can save time, but is a simple process typically only requiring a small amount of personal information and seldom a credit check is necessary. The approved funds are submitted directly into your checking account, avoiding any unnecessary lengthy paperwork.

Most online payday lenders have a minimum required age of 18 and a necessary minimum monthly income for the borrower. Loan amounts range between $100- $1,500, depending on the lender and the needs of the borrower. A loan can often be received the same day, with repayment due 14 – 30 days after.

LeadPile matches consumers with online lenders daily!

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