Archive for November, 2011

Fidelity One Credit Corp Offers New Revolving Line of Credit

Wednesday, November 30th, 2011

Provo, UT (PRWEB) October 25, 2011

Fidelity One Credit Corp. announced today that it is now offering an Auto Secured Credit Card and Revolving Line of Credit to consumers who are having difficulty accessing credit. Combining aspects of car title lending with the best features and benefits of a credit, this innovation by Fidelity One provides financially challenged Americans with a cost-effective means of borrowing on credit that will benefit consumers nationwide.

According to Alonzo J. Primus, CPA, MBA, former CEO and President of First Bank of Delaware, credit cards have traditionally been the main tool most Americans have utilized to finance their short-term needs for cash and credit. Many consumers, however, have fallen into a less desirable class of consumer risk as defined by lenders due to borrowing at higher rates than they could afford in recent years. The banking industry has stopped lending to all but the highest level of credit-worthy Americans, and for the average person this means that credit is not available when they most need it. This lack of access to credit is forcing more consumers to rely heavily upon Payday Advance Lenders, Car Title Lenders, and Pawn Shops, all of whom may charge anywhere from 200%-400% interest on the money they lend, and whose short-term solutions will not necessarily meet consumers’ long-term financial needs.

Primus also states that the refusal of the banks to lend to consumers they view as risky is one of the primary reasons why this nation remains mired in a recession. “Now is the time for consumers to look to the private sector,” said Primus. “With the banking industry severely restricting lending activities, it’s up to companies such as Fidelity One to innovate and create products that will truly serve the credit-challenged market.”

Due to the recession and the high number of home foreclosures in recent years, many Americans now have only one primary asset: their automobile, said Primus. With this in mind, Fidelity One created the Auto Secured Credit Card and Revolving Line of Credit, which operates like a secured credit card, but uses a vehicle as security rather than cash on deposit. This product will allow millions of Americans who would not normally qualify for credit to obtain a secured credit card or line of credit. In addition, Cash Advances can be made on the equity of the borrower’s vehicle at a much lower cost than other types of loans, such as Payday Advance Loans and Car Title Loans; Fidelity One’s rates and minimum monthly payment are typically half those of most other loans in the industry.

“This revolving line of credit financial product, secured by an auto, is one of the most creative consumer financial products to be introduced in this country since the recession hit,” said Primus. “The banking system has failed the millions of financially challenged consumers out there by refusing to lend when people need help the most; but with innovative lenders such as Fidelity One creating new ways of providing credit at a lower cost, the national economy–and the American people–are finally going to have the chance to get back on the road to recovery.”

Alonzo J. Primus, CPA, MBA. Mr. Primus has over 18 years of banking experience and was the CEO and President of First Bank of Delaware for over 5 years. Mr. Primus has expertise in a number of areas, including commercial lending, card and consumer products, payment processing, money service business services, accounting and finance, human resources, and bank management.

Fidelity One Credit Corp. (http://www.fidelityone.com) is a Utah-based company offering an auto secured credit card in over 30 states throughout the US To see if they offer their product in your state, or to find out more about Fidelity One, please visit their website.

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Online Car Title Loans Heat up as Holiday Season is Almost Upon us

Tuesday, November 29th, 2011

Boca Raton, FL (PRWEB) November 16, 2011

Loans of America, a leading provider of online car title loans, is helping people with bad credit get car title loans as the holiday season is almost here. Because all you need is a car to get one of these unique loans, many individuals are able to get cash to help them have a happy holiday.

Loans of America is continuing to help people by giving them the cash they need. Even with bad credit, loans can be granted to individuals through this very simple process.

“The interest on car title loans can be less than using a credit card. As the holiday season approaches many people look for ways to pay for gifts and trips away to spend time with family. This has become a great way to use cash to pay for all of this,” said the CFO of Loans of America. “Offering them car title loans, even with bad credit can even help families get back on their feet financially. We’ve helped people pay off debt using tools they didn’t think was possible.”

About Loans of America

Loans of America is a consumer finance company that provides immediate short-term cash loans on vehicles. The founders of Loans of America have been successfully providing long and short-term consumer loans for over 11 years to individuals with good, little or less-than-perfect credit. A short-term cash loan is based on the equity of the vehicle, not on the customers credit-making it easier for those with bad credit to go online and get car title loans. Loans of America is the longest standing provider of its kind. For more information please visit http://www.LoansofAmerica.com.

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24HourPaydayLoan.com Re-Launches Site to Keep Create the Ideal Payday Loan …

Monday, November 28th, 2011

Chapel Hill, North Carolina (PRWEB) November 14, 2011

When someone needs to pay a bill during the winter in order to keep their heating on, ensuring that there is an option for their immediate cash needs is imperative. While heating bills may be primarily a cold weather problem, many other unexpected situations can result in people needing emergency cash no matter what time of year it is. 24HourPaydayLoan.com offers payday loans every day of the year. With the re-launch of the site, users can still get the fastest, safest loans online as well as take advantage of important educational resources the site now carries.

“24HourPaydayLoan.com strives continually to ensure consumer protection by providing the knowledge necessary for consumers to make informed financial decisions,” says 24HourPaydayLoan.com spokesperson Ted Phillips. “Numerous articles detailing the benefits and requirements of a payday loan as well as the security of the application process ensure that each consumer’s cash remains as safe as their personal information.”

24HourPaydayLoan.com is devoted to giving customers the most rewarding payday loan experience possible. Immediately upon opening the site, users will have access to the simple online application as well as multiple new resources for helping them understand exactly what a payday loan is all about. Not only is the new site easier to use, but more secure as well. Using the latest security technology, 24HourPaydayLoan.com maintains a maximum level of safety for any sensitive personal information.

While brick-and-mortar lender stores may close at some point, the Internet is always open. This means a true 24 hour payday loan is never more than a few mouse clicks away. Beyond convenience, using a website to obtain the cash loan a customer needs can actually save money. Rather than wasting money on gas or metro tickets, users need only a secure Internet connection the small amount of information.

Once users complete the quick online application, they are immediately pre-approved from one of the many reputable lenders in the 24HourPaydayLoan.com Network. This means that not only is the process secure and fast, but it also helps to ensure that customers always get the best rates available when borrowing money.

As the holiday season approaches, new expenses are stretching monthly budgets to their limit. If your car breaks down, you slip on the ice and sprain your wrist, or find yourself in some other emergency, you’ll need cash fast. The newly redesigned 24HourPaydayLoan.com is here to help any time of day, any day of the year.

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Finance – Consumer Loans Updates: AEA, CACC, WRLD

Sunday, November 27th, 2011

Finance Consumer Loans Updates: AEA, CACC, WRLD

Advance America, Cash Advance Centers (Public, NYSE:AEA). Last Market Price: $7.87, Change -0.02, % Change (-0.22%). Shares trade in the range of $7.76 $8.02 dollars. It has a market capitalization of 491.50M dollars,making it a Small Cap Stock and has 62.45M outstanding shares. The company has a beta of 2.73, indicating, the stock to be more volatile than the market. As per the most recent quarterly report, the current earnings per share (EPS) is 0.92. It operates in the Financial sector and belongs to the Consumer Financial Services industry. The company has a 52 week high of $9.32 and a 52 week low of $4.70. The average shares traded over the past 30 days is 485,664.00, while the volume from the current trading session was at 218,711.00 which is 0.45 times the average volume.

Credit Acceptance Corp. (Public, NASDAQ:CACC). Last Market Price: $79.35, Change +2.07, % Change (2.68%). Shares trade in the range of $77.01 $79.72 dollars. It has a market capitalization of 2.04B dollars,making it a Stock and has 25.67M outstanding shares. The company has a beta of 0.57, indicating, the stock to be less volatile than the market. As per the most recent quarterly report, the current earnings per share (EPS) is 6.89. It operates in the Financial sector and belongs to the Consumer Financial Services industry. The company has a 52 week high of $86.87 and a 52 week low of $53.04. The average shares traded over the past 30 days is 29,027.00, while the volume from the current trading session was at 11,181.00 which is 0.39 times the average volume.

World Acceptance Corp. (Public, NASDAQ:WRLD). Last Market Price: $64.97, Change -0.20, % Change (-0.31%). Shares trade in the range of $64.68 $65.68 dollars. It has a market capitalization of 951.33M dollars,making it a Small Cap Stock and has 14.64M outstanding shares. The company has a beta of 1.69, indicating, the stock to be more volatile than the market. As per the most recent quarterly report, the current earnings per share (EPS) is 6.02. It operates in the Financial sector and belongs to the Consumer Financial Services industry. The company has a 52 week high of $70.13 and a 52 week low of $41.07. The average shares traded over the past 30 days is 120,939.00, while the volume from the current trading session was at 27,725.00 which is 0.23 times the average volume.

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Cash America (CSH) Shares Downgraded to a "Neutral" Rating by Zacks Investment …

Sunday, November 27th, 2011

Cash America (NYSE: CSH) was downgraded by equities research analysts at Zacks Investment Research from an outperform rating to a neutral rating in a research note issued to investors on Wednesday.

Cash America International, Inc. provides specialty financial services to individuals through its Company-owned and franchised lending locations, and check cashing centers and via the Internet. These services include secured non-recourse loans (pawn loans), short-term unsecured cash advances and related financial services. It operates in three segments. As of December 31, 2009, the pawn lending segment offered pawn loans through 676 total pawn lending locations operating under the names of Cash America Pawn, SuperPawn and Prenda Facil. As of December 31, 2009, the cash advance operating segment included 246 cash advance storefront locations in six states in the United States operating under the names Cash America Payday Advance and Cashland. As of December 31, 2009, the check cashing operating segment consisted of 120 unconsolidated franchised and six consolidated Company-owned check cashing locations operating in 16 states in the United States under the name Mr. Payroll.

Shares of Cash America traded down 1.02% during mid-day trading on Wednesday, hitting $52.8875. Cash America has a 52 week low of $35.68 and a 52 week high of $62.33. The stocks 50-day moving average is $53.63 and its 200-day moving average is $53.55. The company has a market cap of $1.549 billion and a price-to-earnings ratio of 12.78.

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USAPaydayForever.com Announces Its Offer of New Tips and Advice on Payday Cash …

Saturday, November 26th, 2011

USAPaydayForever.com Announces Its Offer of New Tips and Advice on Payday Cash Loan Services
In a Bid to Debunk Myths on Payday Cash Loan Services, USAPaydayForever.com Offers Tips on How to Properly Use Their Payday Cash Loan Services. Too Often, Payday Cash Loan Services Are Misused by Consumers.

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Advance America Cash Advance Centers Stock To Go Ex-dividend Tomorrow (AEA)

Saturday, November 26th, 2011

NEW YORK (TheStreet) — The ex-dividend date for Advance America Cash Advance Centers (NYSE:AEA) is tomorrow, November 18, 2011. Owners of shares as of market close today will be eligible for a dividend of 6 cents per share. At a price of $7.87 as of 9:30 am ET, the dividend yield is 3%.

The average volume for Advance America Cash Advance Centers has been 577,800 shares per day over the past 30 days. Advance America Cash Advance Centers has a market cap of $516.3 million and is part of the financial sector and financial services industry. Shares are up 38.8% year to date as of the close of trading on Wednesday.

Advance America, Cash Advance Centers, Inc. provides cash advance services in the United States, the United Kingdom, and Canada. The company has a P/E ratio of 8.9, equal to the average financial services industry P/E ratio and below the Samp;P 500 P/E ratio of 17.7.

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TheStreet Ratings rates Advance America Cash Advance Centers as a buy. The companys strengths can be seen in multiple areas, such as its compelling growth in net income, revenue growth, largely solid financial position with reasonable debt levels by most measures, solid stock price performance and impressive record of earnings per share growth. We feel these strengths outweigh the fact that the company shows low profit margins. You can view the full Advance America Cash Advance Centers Ratings Report.

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Cash advance store robbed, 2 employees injured

Friday, November 25th, 2011

Three men robbed the Allied Cash Advance store on Cecil Avenue just before 4:30 pm Wednesday, according to the Delano Police Department.

The stores two employees were injured during the holdup. Police said only that the employees were treated and released.

Anyone with information helpful to the investigationis asked to contact the police department at 721-3356.

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Weighing a 15-Year Mortgage Against a Cash Loan

Thursday, November 24th, 2011

In today’s housing market, refinancing a mortgage with a 15 year loan is the way to go unless a cash loan is going to be required in order deal with other financial debts.

Generally speaking, if a homeowner has been paying on the homestead for several years, he would not want to extend the mortgage terms back out another 30 years, unless the purpose of the refinance loan is to add cash to the household budget and a lower payment can only be achieved with a 30 year refi-loan.

By taking on a 15 year mortgage with a fixed rate, homeowners get an affordable monthly payment, a lower rate, and a substantial savings in interest when it is compared to taking out another 30 year loan.

Standard refinancing loans apply, and the homeowner has to live in the home for enough time to allow the interest expense savings to compensate for the new loan’s closing cost. Anyone not planning on living in the home for long, should reconsider refinancing for a cash loan.

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USAPaydayForever.com Announces Doing Away With Merchant Cash Advance Services …

Wednesday, November 23rd, 2011

USAPaydayForever.com Announces Doing Away With Merchant Cash Advance Services In Favor of Payday Loans
During a time when lenders are lending to consumers with less than perfect credit, usapaydayforever.com does away with merchant cash advance services. USAPaydayForever.com is getting in on the action by focusing on payday loans.

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