Category Archives: Payday Loan

Keep Your Finances Free From The Following ‘Money Traps’

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Building a steady and stable reserve of savings is difficult. Efforts in your career, good financial sense as well as a firm discipline related to your spending will all contribute to building a financial backbone that can help you out of emergency circumstances or can be saved for a large positive investment later. However, this can all sound pretty idealistic. While blogs like ours are concerned with helping you maximise your financial wisdom, it would be neglectful to pretend that there aren’t a million methods of having your money separated from you. These ‘money traps’ (as we will come to call them,) can prevent you from meeting your saving goals, and too many of these can completely wipe your finances or even get you into debt.

While financial wisdom is often preventative, sometimes you can find yourself in a spiral of issues which demand a solution instead. For example, debt ramping up is never solved by hindsight, but with strong debt consolidation services such as those found at debtconsolidationprograms.co. However, to prevent yourself from ever getting to that state, we would recommend the following advice:

Friend ‘Loans’

We’ve all needed a little bit of extra financial padding from one week to another, particularly in our youth. Sometimes the income we have just doesn’t cut it. For the most part however, it’s important to understand that lending money to anyone, even your friends, can be a big risk. Only lend money to friends you are absolutely sure about, and even then, lend with caution. Never give more than you reasonably can afford to.

Never take a payday loan in the name of someone else. Never allow it to occur multiple times. Always be firm about your terms, and when you expect the debt to be settled. Never lend to friends you have only just made or people who you’d like to impress or get on the good side of. With all the effort it takes to earn the money you have, it’s not a flaw to protect it. Also, never be afraid to say ‘no.’ You are an adult, and you have the right to dictate the terms of your living. If someone emotionally pressures you into giving, that’s a good sign they are not worthy of it.

Payday Loans

While payday loans can be a great way to cover costs in a really tight pinch, relying on them is completely neglectful, and you should never get into this habit. Making sure that you keep away from these, and take any other measures you can with payday loans as your last resort, can help stop you from falling into the trap. Often, the interest you must pay back, even on a short-term loan, doesn’t warrant the cost of your loan terms. These loans will usually dress themselves up as wholly affordable, or rational to use regularly, but all of this is merely marketing. Without the correct method of care, your finances are easily led down this money trap, and the effects can quickly culminate.

Avoiding these small considerations can help you tremendously. Exercise a little restraint, and you’ll see for yourself with peace of mind and a thicker wallet!

 

The Evolution of P2P Lending Platforms in Asia

P2P Lending

The Future of Loans:

Peer-to-peer lending, also known as P2P, has become an attractive alternative for individuals and businesses in Asia that cannot access to traditional loans.

This revolutionary system puts lenders and borrowers in contact without using an institution as an intermediary, for instance a bank. And even though it appeared for the first time in the Western hemisphere in 2005, and is now a booming market, it is relatively new to Asia, but people and businesses here have accepted it with open arms.

The Perfect Solution for the Unbanked:

Without a good credit score – or even worse without one at all – most banks will refuse to give you a loan, and if they accept, then you are expected to pay much higher fees. That’s where P2P lending platforms come into play: they bring help to the unbanked.

This is where many start-ups have seen an opportunity, and in this article we will review some of the best. But before we get into that…

What about Cash Cards?

Cash cards can be a good solution for individuals, but for businesses that need more money, they are not a good option. And of course, we are talking about cash cards that do not require much.

For a person in Thailand who earns more than 7000 THB per month, the Umay Plus’s cash card is an excellent option, because almost anyone in this country can get it. And the best part is that the interest rate is not very high, never more than 15% per year.

And just like Umay Plus you can find many other options in several Asian countries like Singapore, Indonesia and Vietnam. They are okay for individuals, but as we said before, for businesses they’re not the best option out there.

But worry not, because there are several interesting P2P lending platforms that can help you. And the best thing is that they are present in different countries in Asia, because this type of service is gaining plenty of interest and that’s what is driving its growth in the region.

Thats the beauty of P2P: you can get all the money you need for your projects without problems, something that would be impossible for an “unbanked” through traditional means.

The Best Platforms: The Future Is Here

Even though this is still a novelty in Asia, many smart individuals have seen an incredible opportunity in this new market, and here you have the best ones at the moment.

MoolahSense – Singapore:

Backed up by big names like Pix Vine Capital and East Ventures, this start-up was founded in 2013 and since then it has become one of the most important P2P platforms in Singapore and the entire continent.

The platform is very active, and you can easily verify it when you check that their fastest funding was completed in just 30 seconds.

The listing are reviewed and approved quite quickly and it allows you to choose from business loans or invoice financing.

It’s also important to mention that they signed up a partnership with DBS Bank, so they can refer borrowers to the bank who may need larger loans.

Crowdo – Malaysia:

Founded in 2013, Crowdo is one of the most important P2P lending platforms in the continent and hence a strong referent.

It has more than 20,000 active members and has provided funding to a wide myriad of startups in the country. It is also important to note that it is licensed by the Securities Commission of Malaysia, something that makes it even better and safer.

Moreover, they also offer very competitive interest rates and plenty of opportunities for investors. Therefore, without any doubts, it’s one of the best examples of successful P2P platforms in Asia.

Creditease – China:

One of the most interesting features of this platform is that its user base is quite diverse:

  • Business owners
  • Professionals
  • Students
  • Individual investors
  • Farmers

It was founded in 2006 and is now serving 232 cities and 96 rural areas. The goal of this platform was to put funding at the reach of any person in China, and as it seems, so far now it has been working very well.

Although their website is not the most beautiful and modern in the internet, it is still the preferred P2P lending platform for many Chinese people and businesses.

WeLab Holdings – Hong Kong:

The most popular Hong Kongs P2P lending platform. It was founded 2013 and since then it has consolidated as one of the most successful internet finance companies in Asia.

This mobile lending platform has been awarded multiple prizes:

  1. China’s Top 50 Most Innovative Companies
  2. World’s Top 100 Fintech Companies
  3. 2nd Largest Fintech Series B Fundraising in the World

Its backed up by some of the largest investors in the region like Sequoia Capital. And their efficiency in fundraising has been proven over and over again, and a proof of it is that in January 2016 they raised $160 million in a Series B funding round where big names like Guangdong Technology Financial Group participated.

It is another proof that the P2P lending scheme is already successful in many countries.

Crowdcredit – Japan:

Crowcredit is a marvelous startup for these reasons:

  1. It has been in the market since 2014
  2. It has raised over ¥848 million in loans ($127+ million USD)
  3. Is trusted by individuals, investors and businesses
  4. It is a cross-border P2P platform

One of the best features about this platform is that it allows Japanese investors to lend money to businesses and individuals in the following countries:

  1. Italy
  2. Peru
  3. Spain
  4. Cameroon
  5. Finland
  6. Estonia

The business model has been working very well, because it incentivizes investors to lend money in exchange for good returns. And so far now it’s been functioning correctly.

Final Words:

As we can see, taking into account all the P2P lending startups present in Asia, the problems they solve and the opportunities they create, it is wise to say that this lending scheme is being very successful.

How to Find The Best Deal on Your Personal Loan

As with any finance option, personal loans should be approached with caution. Trawling the loan market can be akin to running a gauntlet at times, so it’s important you know the key things to look out for. Taking out money to your name can have devastating consequences if you aren’t adequately prepared to meet the repayments. Failing to pay back on time will affect your credit rating, which ultimately defines your financial future. Doesn’t sound like good news, does it?

With the right care, though, loans can be extremely useful if used correctly. It doesn’t matter whether you’re trying to clear some mounting debt, or looking to finance a high-end purchase. You’ll need to take the same precautions when scouting the market.

Shop Around

Don’t just settle for the first company that willingly offers you money. The likelihood of them offering the best deal is slim to none. It’s the interest rates that are the real setbacks for borrowers, even if they don’t know that before they take out the loan. If you’re smart enough to shop around, you’ll always find cheaper premiums or more flexible payment plans. Just look at this loan rate comparison for evidence.

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Don’t Take Their Word For It

Banks are going to benefit from giving you a loan. If there weren’t some kind of upside, it wouldn’t be an option for you. They make their money from the interest you pay on the initial loan; the trusted old long con. Of course, they stand to benefit more the longer it takes you to repay the loan. For that reason, there will be a whole host of loopholes and pitfalls written into your contract. Analyze every word carefully, and duck out if you spot any red flags. It’s not worth risking your financial sustainability.

Exceed the Minimum Repayments

You might think you’ve landed yourself the best deal imaginable, but you probably haven’t. Remember, the repayment plan is only a minimum guideline. Your goal should ultimately be to repay the debt in its entirety as soon as you can. That’s going to reduce the amount of interest you have to pay in the long run, and can make a significant difference to the overall cost of the loan. Make sure that your payment structure allows for this, as banks sometimes write clauses that charge you for early repayments.

Maintain a Good Credit Score

I know it’s been drilled into you since an early age, but the importance of good credit cannot be understated. As I mentioned earlier, your credit score is what defines your financial landscape. With a bad rating, you may find yourself ineligible for loans. Or worse still, paying exuberant premiums that could have otherwise been avoided. Keep a good credit score and the banks will offer you a better overall package.

If you understand the risks of withdrawing a loan, there’s a good chance you can protect yourself from falling into any danger. Always use your common sense when applying for a loan, and you should be able to navigate the repayments with relative ease.

Need A Quick Cash Injection? Here Are Your Options

We all understand the importance of getting into a good budgeting routine. Paying your bills in a timely manner is of utmost importance. There comes a time in all of our lives, though, when trying to make ends meet becomes a real struggle. If you find yourself falling short just shy of payday, it’s important not to let things get on top of you. Failure to meet your payments promptly only ends with one result. Bad credit. And that’s a black mark against your name that can be almost impossible to erase.

Of course, putting food on our family’s table takes priority above all else. But it’s critical that you don’t fall behind with your outgoings. It only takes one lean month to create a whirlwind effect. The cycle goes on, and you find yourself stuck in a rut. Taking control of your debt is your responsibility, and yours alone. And there are steps you can take to ease the financial burden if you find yourself scrambling to pay the bills. Below are just a few of them, their benefits, and potential red flags to avoid.

Credit Unions

There are many alternative finance options, but one of the lesser known is credit unions. They are set up with your best interests at heart. Most often to aid people in their local area (or place of work), these creditors offer low-interest loans to their members. What’s more, they’ll never allow you to take out a loan that you cannot afford to repay. More often than not, credit unions will require paid memberships, so it might be worth joining in foresight. Paying a little into their system each month while you can could provide you with a safety net when times get tough.

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Overdraft

If your bank has blessed you with an overdraft facility, this can be a saving grace. Don’t rely too heavily on it, though. Your bank is well within their rights to ask for your overdraft balance to be paid off at any time. Treat it as a last resort. Dip into it only at the end of a slow month, and make up the difference as quickly as possible.

Payday Loans

Payday loan schemes have become increasingly popular in recent years. Thanks to a surge of desperate people seeking desperate measures, it can be easy to fall into a trap. We know, it sounds enticing. And for many people, they’ve been, quite literally, a lifesaver. There are, however, some things you need to be aware of. Payday loan companies often charge higher interest rates. So while you may get a quick cash injection in the short-term, you’ll ultimately be paying more back over time. Payday loans should never be used liberally. Only take out the amount you need when you need it, and make sure you pay off the debt as quickly as you can.

Pawnshops

A more desperate measure could see you trading in your unwanted goods for cash. Pawn shops aren’t a new phenomenon. They’ve been around for centuries. The emergence of ‘Cash Converters,’ though, has moved the goalposts. Now, you’re able to trade in almost anything in exchange for money. That means you aren’t necessarily playing with fire when it comes to something you’ll want to buy back at a later date.

Of course, the most effective way of remaining financially stable is scaling back your expenses.

Top Methods For Getting Money In An Emergency

There are lots of circumstances that could mean you need money quickly. Maybe there has been some damage to your home, and you can’t afford to put it right. Perhaps your car has broken down, and you need to get it fixed so you can travel to work. It is even possible that you might have impending medical costs on the horizon. No matter why you might need cash, this article will present you with the best methods of getting it into your accounts. Don’t worry if you haven’t got the best credit history in the world. There is at least one idea on this page that should be realistic for everyone.

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Home loans

Homeowners can obtain funding by taking out a home loan. You can use comparison websites to check for best rates online. Just be aware the loan is held against your property. So, it is possible you could end up in trouble if you don’t meet the repayment schedule. That is the same for most types of lending. You need to be 100% certain you can afford to pay the money back promptly.

Credit Cards

Even those with poor credit scores can get a credit card these days. There are lots of banks and private companies that provide cards to people in the worst of positions. You just need to read the small print, so you understand the interest rates. In most instances, you won’t pay anything so long as you clear the balance at the end of each month. However, you could pay upwards of 30% if you fail to do that. It all depends on the state of your credit score and the type of cards available to you.

Payday Loans

Payday loans are not a good idea unless there is no other option on the table. In that circumstance, they could provide you with a much-needed lifeline. Again, those who can pay the money back quickly shouldn’t have any issues. It is only when you borrow for a long time for fail to meet your obligations that things can turn sour. Some companies charge in excess of 3000% APR. That means a tiny debt of a few hundred dollars could turn into thousands if you don’t maintain it properly.

Bank Loans

Presuming your wages are paid into an account every month, the people at your bank might be willing to help. So long as it seems like you have a stable and reliable form of income, they should offer you a loan. You’ll get low-interest rates with a bank loan, and that is always a bonus. Most banks will allow you to repay the money over a three or five-year period. Your monthly payment will stay the same throughout the contract, and that gives you an element of stability.

As you can see, there are lots of ways in which anyone can obtain money in an emergency. You just need to work out which solution is best suited to your financial situation. We hope you won’t stress as much when you need some extra cash next time around. There are always options on the table; you just need to discover them. Always read the small print to avoid getting into trouble.

Good luck!

Guide for the Queries that are Vital to be Answered

Guide for the Queries that are Vital to be Answered

Payday loans are unsecured loans that are availed for a short duration of time. They prevail in the society because they can be obtained easily and quickly. It is an alternative for paying late fees and bouncing checks. They are used to cover temporary funds setback.

happy-payday

How is it different from the other loans?

It is best for short-time expenses. It is different from the other loans due to the following reasons:

  • It is available for a short duration of time.
  • Funds borrowed under these loans are small. For example, car repair bills.
  • All the procedures take place online.
  • Instant transfer of money.
  • No need to wait for the time consuming loan approval process.
  • Less document work as additional documents are not required.
  • Repay amount is debited directly from the account provided and if it does not have sufficient balance, borrower can directly communicate with the lender for solutions.

Confidentiality

‘Customer is King’ is truly followed by them. They try to provide every facility to the borrowers, so they stick to them. To provide confidentiality websites use encryption and the details in the form are sent through secure servers with secure databases. In fact all the lenders are trustworthy and they do not reveal any kind of details.

Amount that can be Borrowed

As this is a short-term loan, so the amount lent to the borrower is also small. The amount is variable; it depends on the paycheck of an individual. If the current salary is high, the amount available to the person is high and if the salary is low, the amount available is also low. Loan amount is also contingent on the country and location governed by the prevailing laws.

Extra Charges on the Principle

A question comes into the mind when applying for loan and that is – “if a loan is applied for and the time period for returning it is decided, how are the interest rates decided?” Well the answer is very simple. Interest rates on loan vary from lender to lender. All the details are provided in the terms and conditions document which is signed by the borrower before money is transferred in the account. So, you must read the clauses very carefully before signing.

How is due date decided?

Typically due date is the date when you get salary. Time period for this is 2 to 4 weeks. But it varies according to the need of the borrower. If any changes are to be made regarding the extension or deduction of time period, you are free to consult your lender for further enquiries and things can be settled down accordingly.

When a number of benefits are present in a scheme, why to opt for any other? It helps when something unexpected happens to you and you don’t find solution immediately. When you are in festive mood but cannot relish it due to financial crisis. It takes care of everyone in all the needs without compartmentalizing any type of differences. In short words, these types of loans are best suitable for the rich and the poor alike.

Author Box:

Richard Farris explains all the features associated with short term loans. Payday loans, though they attend to your financial woes instantly, should be better judged before availed.

Troubling Times: Get a Payday Loan!

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Let’s face it; these are very difficult times that we live in.  We are all barely paying the rent or the mortgage and are scooting by in situations where we usually have more debt than we can manage. Since the recession hit us in 2008, the average person is more than 35,000 dollars in debt and that can mean that there are some very heavy prices to pay. For that reason there has never been a more important time to have access to funds when you need them and know that you can get a fast solution to all of your needs.

When the car breaks down, when you have an extra payment that you were not expected, when everything is just going wrong, there has never been a more important time to ensure that you are able to have the money that you need in your pocket when you need it.  With instant approval payday loan you can sign with relief knowing that you will be able to get what you need when you need it and that you do not have to worry about all of the long term problems which come about from not having access to the funds you need.

Why should you pay all of the late fees, have issues with your family and friends, and not be able to make all of your bills when there are funds available which are just an electronic transfer away?  There has never been a time when credit was more closely monitored.  Let’s face it, bad credit can keep you from getting the job you have always wanted, it can keep you from getting the house you have always wanted.  It can make you wait a lifetime for something that there is no reason you should ever have to wait for.  Why do you want to spend your life paying very high prices and not living it when you could instead take out an instant loan which will offer you guaranteed approval and the ability to pay it right back?

When you take out a loan on the internet you will be assured that you will be able to get instant access to your money and that you will be able start spending it within 1 to 2 business days.  Many of the lenders on the internet specialize in helping those who have bad credit and will ensure that even if your marks are not perfect that you are able to gain access to the funds that you need quickly and easily.  There has never been a more important thing than to make sure that you have the funds you need when you need them.

Do not get stuck with your pants down and not be able to pay all of your bills.  Everything that you need is just a few clicks away and all it takes for you is to find the time you need and to sign up for all of the loans ASAP.

No Credit Check Payday Loans In UK

guarantor loan

Pay day loans have started to come into the fore as the most discussed and the most loved topic among the group of people who have started earning for their livelihood be it men and women. The enormous welcome this has received is because of the advantageous fact that there are no ifs and buts which prefixes or suffixes the loan disbursal procedure. Above all, there is No Credit Check Payday Loans In UK. When there is cross verification of all your previous loan and repayment history, few might not at all be eligible for further loans, irrespective of the current improvement in their financial position. For people of such category, this loan is considered as a boon. Whatever be the amount they take as loan, it will not involve any payment in installments and the due date will automatically fall on the payday or salary disbursal date. This relieves them from their due date tensions.

No Employment Verification Cash Advance

No Employment Verification Cash Advance schemeis highly regarded and appreciated by the youths who are on look out for a proper and permanent job. You can also be a benefiter of this scheme, if you find yourself eligible in any of these. You should be an entrepreneur i.e. a self employed person, some reasonable amount invested in FD or RD which will mature before the due date, assured income through part time jobs or vice versa. The rate of interest may be a bit higher in this type of loan form, but you can fulfill your immediate wish by borrowing money from this method. This will be useful for petty business men who need instant money for rotation and to buy goods for their shops and even for seasonal traders who earn their income depending upon the cyclic business. This ensures that they will have regular income but only the nature of business will vary.

It shows there is no waiting period in instant loans and it can be secured without leaving the comfort of home. Online loans also gives the opportunity to search around a number of payday loan companies and compare the rate and interest provided by them to select a relevant rate that fits into the budget. Only fewer documents are required by instant payday loans companies and if essential requirements are satisfied by applicants, they are qualified to secure loans within few hours of application of loans. The payback period can be from one day to 38 days, although it could vary from one company to the other. Thus he would be charged interest according to the number of days the loan is borrowed. Isn’t this the most convenient way to get cash to meet emergencies? Thus you can check online for the payday loan providers and get some fast payday loans easily. Learn about the various clauses such as the repayment period and the interest rate and decide on it!

Author Bio:

Lary Nineham suggests people to explore online for easy financial payday loan. Whoever goes with the suggestion can take their life to a great height.

Easyfinancial Services
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(604) 588-4895

Quick Loans For Urgent Situations – Payday Loans

direct payday lenders

The average individual has various financial requirements and may often feel like it is impossible to stay in line with the necessary expenses. Unfortunately, the majority of people can’t figure out long term plans, since all of their focus is aimed at their monthly budgets. In this specific content, if an unexpected event arises, such as an emergency repair, accident or tax payment, they don’t have the ability to gather the cash they need. Many rely on assistance from family and friends, but this isn’t something that can be counted on and is not a good long-term answer. Others have a certain amount of money saved up for special plans and must sacrifice it for surprise emergencies.

Nobody wants to spend savings that are meant to serve a future house or college degree. One may consider taking a bank loan. Though, the problem with bank loans is that they don’t serve emergency causes, which require quick cash. Obtaining a bank loan demands much paperwork and substantial waiting times, thus not relative for urgent circumstances, such as an urgent hospitalization.

In certain frustrating occasions, you may be short of only 100 pounds, while your next payday is due in four days. If you don’t have a different source of financial income and you require urgent financial help, then direct payday lenders could be the perfect solution.

Indicated by its name, payday loans can be taken much more easily than the traditional bank loans, and are return by the person who borrowed the money when he receives the next payday. Briefly, you don’t need to gather a file with tens of documents and submit it to the bank and wait months for approval. The only primary conditions for obtaining payday loans is to have a stable workplace and regular income. The sum of money that you can receive from payday lenders are less than those from bank loans, but can be obtained in less than 24 hours.

The main benefit from this type of loan is that you can the cash within minutes or hours, without having to wait days or weeks. They are various situations that may arise which require immediate financial help, such as your car breaking down, an unexpected fine or hospitalization. This loan idea is indeed an innovative one and has recently helped countless people to avoid serious complications. Certain providers can even extend the specific payback date, which can be very helpful if the salary gets delayed.

The existence of this very service comes to show the intelligent solutions the modern times have to offer to people who constantly search for them. Years ago, most people would have needed to go through great lengths in order to receive cash on a quick notice, but this endeavor is far from impossible in current times. Many companies can provide the necessary short-term loans, without have to worry at all about financial security.

You can contact http://www.paydaypantry.co.uk if you are looking for a quick payday loan today.  They have a huge panel of  direct payday lenders offering  direct cash loans the same day.

Wonga Bear The Brunt Of Payday Loans Criticism

There are times when you would think that Wonga was the only payday loan company operating in the United Kingdom. While there are many different payday loan firms operating in Britain, all providing their own unique service to clients in need of a payday loan, in the eyes of the media, it seems as though there is only one target for venom and hatred. It is fair to say that this company is the best known of all the payday loan firms to choose from and it seems as though the company name has almost become synonymous with payday loans.

This is much like the way that some people call a vacuum cleaner a Hoover, as opposed to stating that it is a particular brand of vacuum cleaner. Similarly, the word Tannoy is used for all public address systems as opposed to just the ones made by that company. In this way, Wonga is becoming demonised as the number one public enemy but in general terms for the company, it isn’t too bad. After all, when someone is looking for a payday loan, there is only name that jumps out at you time after time.

wonga

The company has worked hard to create a strong image in the mind of the public. If you were to think about adverts from payday loan firms, the ones offered by the leading company in the industry would stand out. They are on TV a lot, the same characters appear in print, radio and online adverts and they make it very clear what they offer. There is no getting away from the fact that these adverts are very memorable, helping people to think about payday loans in a positive manner and how simple it is to get money at short notice.

The firm works closely with many football clubs

It also has to be said that the company has developed their brand through football sponsorship. This has created a lot of controversy with many people feeling that football clubs should avoid this style of sponsorship. People who believe that clubs have a role to play in their local community should not be looking to create links with payday loan firms. That may be true but in the current economic state; football clubs need money as much as people do. This means that business decisions are based on business factors as opposed to the social aspect on offer.

There has been a great deal of hypocrisy when it comes to reporting on the link-up between this firm and the clubs that they sponsor. A perfect example comes with Hearts, who play in Scotland. Hearts are currently in administration and are teetering on the brink of relegation and possible liquidation if a fan buy-out is unsuccessful. Given that one Scottish club, Rangers, has already died in recent years, there is considerable pressure on Hearts to stay alive and this means getting money in as quickly and as strongly as they can. Given that Wonga were willing to provide the firm with large sums of cash, much of it upfront, indicates that they were the best sponsor for the team.

However, people complaining about the fact that this sponsorship deal sets a bad example to people clearly misses the fact that football clubs have no business in being role models. The death of Rangers and the near death experience suffered by Hearts suggests that football clubs are financially irresponsible and it may be best for people not to look to football clubs for moral guidance.

There is no doubt that payday loans split opinions and many people find that they are not for them. This is fair enough but there are plenty of people who can benefit from this style of loan. It is important that people who need assistance in the short term are properly supported with options and this is where firms like Wonga can help. For more information please visit www.trueblueloans.co.uk who are qualified to comment.