Archive for September, 2012

Cash Advance Payday Loans – Is He Excellent Financial debt or Negative Credit …

Sunday, September 30th, 2012

Quick Loans For Funding Your Trip
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Monetary desires in particular those which might be abrupt and sudden could be of wonderful irritation. Such type of situation can almost never be ignored as well as big trouble that appears happens by means of organizing the specified cash. Inevitably, you will need to hunt for other available choices to grab the required cash liberation. Thats where you can look at getting quick cash loan. This loan accommodates involve all those people who could require fast budget.
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Sunday, September 30th, 2012

Where To Get Low Interest Rate Loans
If you method these loans which has a hardest financial history also you will be presented the potential risk of credit funds. One of the bad credit data mentioned less than like late, a bankruptcy proceeding, delinquencies, omitting of regular installments, defaults will be allowed to apply for Payday Loans For Bad Credit. Such loans are recognized in numerous titles like payday loans without any credit, on the internet bad credit payday loans, payday loans without fax needed and many others are permitted fleetly than other loans as lowest procedures are expected there. You can aquire dollars approved on the day that of using. Furthermore the given approval volume will be placed in your and similarly will be transmitted way too on your own payday. In reality, financial institutions have alternative for every single economic feature their consumer, as they categorize their loans along with other fiscal providers based on the requirements the customer. Finding suited loan sachems using their company large loan checklist is quite perplexing but, as every client is aware of his / her condition wonderfully, he or she can take a look at only pertinent areas. Normally, all loan providers classify their loans by 50 percent diverse different types i. Payday loans in British reference that new edition of economic products and services, as they are tailor-made in order to reach all crisis financial needs on the consumer. Payday loans Great britain offer you immediate money for college to every one debtor section. cash loans Operating is pricey, and quite often businesses land in need of a loan. Nonetheless, finding a organization loan can be a prolonged, prolonged practice which will take 2 or 3 weeks or for a longer period. Thankfully for that very rapidly transforming and important desires that you have in your small business, you can find rapidly private loans that exist how to aid in overhead costs, member of staff charges and payroll, or even for obtaining catalog for ones business. Small business needs transform whilst your mortgage lender may not be as accommodating because your needs need.
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The lending company wont factor in the finance primary from the client. The online quick cash loan firms supply all the information on instant loans. Anybody can easily apply for low price loan at most competitive rate of interest that will help people consider options quickly! Those that have consumer credit troubles may also take advantage of these loans. Bad credit debtors dont need to worry expensive prices ever again! One can get guidance from impartial finance agents and get seem financial advice that will just be sure you safeguarded an affordable loan ahead of this is thought. Not all the debtors can afford to commit a guarantee up against the loan. Its also possible to depend upon testimonails from others business clients. Precisely what is carry over furthermore? Right here is the method created by credit seekers if he or she want to continue their loan. It is always advisable to avoid rollovers as you possibly can. Or else, you could encounter a loan capture in the foreseeable future.
During this conception, Very best on-line payday loans will also be considered to be unsecured credit card loans. Credit rating seekers, that individual finest payday loans without having to worry about phrase of make sure, should more look for britain economic niche. Thinking about unsecured credit card payday loans is frequently quick finding way up with loan vendors in great britain, it is also most likely not considerably difficult to get best payday advances with out property. Therefore concepts that this client should have to become thought of as capable of receive greatest paycheck loans.
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Instant Cash Loan – Head for Quick Cash at Unexpected emergency

Saturday, September 29th, 2012

Credit card Bad Credit Loans – A guarantee Absolutely free Cash For Issues
Smaller Cash Loan- Temporary Loans For Unexpected Urgent matters It is prevalent how the cash that you get monthly through the paycheck is probably not adequate sufficient to satisfy unexpected problems. Your earnings could get above extended prior to the following pay back cheque. In this circumstance, compact cash loanprove being a wonderful financial reduction available for you. The guarantee is often everything from priceless assets to property. The quantity of budgets are chosen the price of the collateral as well as greatest options are in the hands of the loan originator. The debtors get pleasure from some rewards like reduced price, adjustable and flexible repayment plan and may get substantial loan portions into this loan style. On the flip side, if you choose to buy unsecured confidential loans, you do not have to vow any security. The interest rate is at the top of this loan as well as loan emerged for much very less time of ones. The running time for this loan is also extremely significantly less as almost no types is essential along with the corroboration approach is also soon. These days, personal loans are obtainable even without the credit standing check and this is good news for people with really bad credit ratings .. This chance offers anyone the right to attain their wishes. Personal loans are offered from quite a few resources, and are generally easy to get both via the internet, financial organisation, lender, or simply credit card organization for many with extended warranty. payday loans no teletrack direct lenders For availing the total right away, the borrower will have to get productive bank account. As a matter of truth, once the endorsement of loan, the loan providers can digitally transfer the total into the bank account. Contrary to other loans, instant loans are simply a number of ticks aside. The individuals can find the top loan option by searching internet.
Consequently, opting for a personal loan is practical when:The loan rogue is incapable of providing a guarantee, as he doesnt private one particular (tenant) or perhaps is coping with his mom and dad (student) The loan finder is unwilling to get into property or home linked legal issues or danger his property or home for any bit (house owner or home-owner) The personal requirement is small and providing equity is probably not required (routine chosen lifestyle needs) The requirement is immediate and having into long property or home review processes most likely are not possible (pressing desires) A personal loan way too has specified limits – minimal amount, higher Apr interest rates, set compensation terms and conditions, low-discussed loan clauses – simply because in the absence of assets, the pegs are generally large with the mortgage lender. There are numerous of loan merchants presenting personal loans in england currently, from standard street banks and making cultures to on the web banking companies and markets.

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Bad credit loans enable payoff when you have strike a rough area into their recent. They could give you a chance to demonstrate that you have the capacity to payout your loan in time, which enable it to reinstate your ex – consumer credit with making payments in time. Almost any person today can are afflicted by bad credit, because its very fragile. No take considerably to place you into your bad credit group, which is a real humiliation on this planet we are now living in nowadays.
In the same way, the digesting and authorization are swifter as there is no credit check needed performed that may bring about setbacks. The lender wont devote much time in making certain the company the loan record of each and every customer. On top of that, the financial institution of cash loan does not generate restrictions in making the endorsement within your loan application promptly. Like this, it conserves enough time of the two client as well as loan provider. The lending company does not health care how to utilize the funds thats why youve got all the benefit make use of the provide for for anything function.
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When You Need Loan Rapid, Acquire Rapid Attached Loan

Friday, September 28th, 2012

Instant Loans – Advice on Where you can get Them
Just go online and then click the right path to fiscal property by applying for any payday advance in Kansas when you are briefly less than cash. It matters not what exactly you need it for. You will need university textbooks, a the winter season jacket and your water heater goes out. There are numerous conditions that involve the simple option of any payday enhance in Might. No having your charge card declined by the moody salesclerk.… If you plan or assume it is possible to pay back the entire personal loans quantity ahead of the loan expression, obtain settlement deal offer. With payoff fees laid-off personal loans will are expensive. Be satisfied with a loan provider who would supply you with the liberty to pay back loan with virtually no significant effect. Banks demonstrate understanding toward all those captured from the jobless circumstance. These are usually able to work out jobless personal loans transaction. In addition to providing credit guidance, numerous lending institutions have support for job fairs and tutorials. You can get their assistance to find employment or to go to area assets that will help you begin your individual company.
Payday Loans: Critical and Crucial Clues
But for this, you might want some ailments like you should have an excellent and reasonable source of income which can act as some sort of assets from your section, if not no type of collateral is asked from you finding out at any stage. And, your real age really should not be under 18 yrs old simply because you have to be adult to get this loan design. An affordable rate of interest is obtained from you in order that you dont experience any weight when trying to repay the loan.
Loans are becoming a fundamental element of every last persons fiscal profile using the need which has been and is constantly their but that may be fulfilled through loans. That wonderful dwelling, deluxe automobile or simply funds for small business extension loans can serve every single economic require. People are typically never happy with their offer financial condition together with the longing of skyrocketing and growing ones dimensions financially. It may be requirements and a few may be needs but you yourself have for getting away in order to meet people wants and needs Lonas is the soundest bet to quench that thirst for growth and funds. The majority of people seek to think above their ability or often their skills have developed way over and above what we have enough money.
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Instant Cash Loans Bad Credit

Thursday, September 27th, 2012


Instant Approval Cash Loans Bad Credit

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Bad credit cash advance loans works around the clock to make sure you are able to access your payday loan as soon as possible. Bad credit loans are mostly arranged for borrowers who do not have valid credit score. These short term loans are small loans. There isn’t need in credit check or faxing while applying for bad credit cash advance loans.

Go ahead and apply now. Once youre approved, you will be quickly connected to the secure lender site to provide instant approval on your personal loan. There are lenders who can wire cash directly to your account in as little as one hour. There is absolutely no waiting required. We have the highest approval rates around, so go ahead and apply today.

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Payday Loan Settlement

Thursday, September 27th, 2012

San Franciscos city attorney says time is running out for payday advance customers in California eligible for a share of a $7.5-Million settlement agreement with Money Mart and Loan Mart. Claims must be filed by October 1, 2012.

City attorney Dennis Herrera filed a lawsuit in 2007, accusing Money Mart and Loan Mart predatory lending. He says they got around state limits on interest charges by pairing up with an out-of-state bank. Customers were then charged 400% interest on short-term loans.

People who got the loans between 2005 through 2007 could get between $20 to $1,800 for most of the interest, fees and finance charges they paid.

The companies also have to forgive $8-million in other debt owed by customers in California. And, they have to pay $875,000 to the City and County of San Francisco.

Click HERE to learn more about settlement agreement

Posted by Karla Marquez

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Marikana miners in debt sinkhole

Thursday, September 27th, 2012

It is the last Friday of the month and the small town of Marikana has begun to shake off the shock of recent events. Locals wait patiently in long lines extending from First National Bank and Standard Bank ATMs and the many cash-loan outlets in town service a steady stream of customers.

But it is not business as usual today.
Many of the clients working at Lonmins platinum mine have not honoured their loan repayments following a continuing wildcat strike that cost at least 44 lives.

Miners say most Lonmin workers take full advantage of the promises of quick and easy cash on offer. Cash-loan outlets the Mail amp; Guardian visited said their clients, most of whom work for the mine, take out an average unsecured loan of R1000 to R1500 with 30 days to repay.

A leading player in this market is Ubank, which has the third-largest market share after African Bank and Capitec. The National Union of Mineworkers and the Chamber of Mines own Ubank (see Mining customer base ensures Ubanks healthy bottom line).

The pool of workers, many of whom have moved into the area from as far afield as the Eastern Cape, has created a fertile breeding ground for microlenders and banks willing to offer unsecured amounts to individuals. There are at least a dozen operators, big and small, offering micro loans in Marikana.

Miners said they could access loans of up to 50% of the value of their net pay. The net pay for a rock drill operator after deductions is between R4500 and R7000.

Increase in unsecured lending
Interest rates of 5% a month are charged, excluding a service charge of R50 a month and an initiation fee of a maximum of 15% on the value of the loan. Collection fees for defaulters also apply. These are the maximum rates of interest and fees the National Credit Act allows.

In accordance with the national credit regulations, a maximum of R1257.50 in interest and fees can be charged on a short-term loan of R1000 that is more than 25% a month, or 300% if annualised.

Rajeen Devpruth, manager of statistics at the regulator, said short-term loans are intended to be once-off transactions and therefore not calculated on an annualised basis.

Miners told the Mamp;G they settle outstanding amounts at the end of the year using their annual bonuses. Two miners said the high cost of finance did not worry them. One said he could afford it. Both said their issue was with Lonmin they wanted a minimum wage of R12500 a month.

During a meeting with the banking industry last week, Minister of Finance Pravin Gordhan noted the rapid increase in unsecured lending, especially to low-income households.

A pay slip or proof of employment is all that is required to secure a loan. Its easy to get a cash loan if you work on the mines. They just check your pay slip from the previous month, one rock drill operator said, squatting under a tree in an attempt to avoid the searing midday sun.

I dont think people go for cash loans because they are broke. Its the way they advertise themselves. It makes it seem so easy, another Lonmin employee said.

Don van Asperen, general manager for Tshelete, which owns three cash-loan stores in Marikana, says mine workers make up 90% of its shy;clientele. These clients will often repay their debt and take out another loan immediately, or one to two weeks later.

Some take two or three loans out each month. Its a sad, vicious cycle, Van Asperen admits. But thats just the culture around the mines.

African Bank is located inside the Marikana Ellerines store. At 3.30pm on a Friday afternoon, several couples are waiting for credit approval.

The rock drill operator told the Mamp;G he takes home about R4800 each month but his car repayments, owed to African Bank, exceed R2000.

Johan Theron, head of personnel at the nearby Impala platinum mine, told the Mamp;G its workers are also heavily indebted. He said pay slips featured two main deductions: garnishee orders and deductions for amounts owed to shops in the area.

What happens when the debtors do not pay?

If you dont pay for one month, your next salary goes here, the rock drill operator said, pointing at a cash-loan shop a few metres away. The debtor must visit the cash-loan store to collect the difference, if there is any.

Some lenders have arrangements with mines to deduct repayments from pay slips, but Van Asperen said Tshelete did not have much of a relationship with the mine. When clients defaulted on repayments, the cash loan company had to go through formal court procedures to obtain a garnishee order. It was not too prevalent, Van Asperen said. About 5% of the customer base have garnishee orders against them.

Hennie Ferreira, chief executive of Micro Finance South Africa, a representative body of registered and legal microfinance credit providers, said microfinancing in South Africa typically referred to a lender that is not a bank, but increasingly banks are entering into this arena.

Money to survive
They are pushing unsecured and short-term loans hellip; since the recession; other products are not giving them what they want.

Devpruth said unsecured personal loans have tripled in rand value over the past five years. The outstanding value of the gross debtors for unsecured credit in 2007 was R41-billion and for the period ended March 2012 was R121-billion, Devpruth said.

Over these periods the loan sizes have increased to R230000 and loan terms of 84 months. Consumers who earned less than R7500 a month received 31% of unsecured loans based on the rand values of credit granted for the period ended March 2012.

In light of the continued strike, Ferreria said the miners, many of whom have not earned money since August 10 when the protest began, will soon do anything to get money to survive.

First they will go to the employer, then they will go to the banks, which wont help them. Then they will go to the registered credit providers who probably wont be able to help [new customers] either.

The next and final stop will be to borrow from informal and unregulated lenders and workers may find themselves in a debt spiral that is virtually impossible to get out of.

Mining customer base ensures Ubanks healthy bottom line

One of the biggest players in the microfinance market is the Chamber of Mines and the National Union of Mineworkers Ubank.

The bank has 500000 customers and is the third-largest player in this sector after African Bank and Capitec.

Formerly known as Teba Bank, Ubank is owned by a trust managed by the NUM and the chamber. It has entrenched itself in gold and platinum mining communities.

The NUM has been criticised for being out of touch with the needs of the workforce. Speaking at Lonmins Marikana mine a few days after the massacre, expelled ANC Youth League president Julius Malema said the workers should not associate with those who have sold them out and that the NUM had no intention to defend the workers.

Sixty percent of Ubanks customers work in the mining industry and most of its branch network services the gold and platinum mining areas and the rural areas their customers call home.

Ubank said it was a unique banking institution driven by a social consciousness that underpinned all it does. Responsible lending is paramount to Ubank because many of the consumers are overindebted, it said in a statement to the Mamp;G.

For short-term loans, the average amount lent over a year to a Ubank customer is R1870 and the average unsecured loan amount over a 12-month period is R13800, taken over a loan period of between 12 and 36 months.

Currently, our impairment ratio is well managed within our risk appetite, Ubank said.

It reported profits of R9.3-million for the six months ended August 2011 with assets of R3.5-billion.

Ubank made the news last year when its chief executive and chief financial officer stepped down following fraud charges laid against a senior employee who was dismissed after an internal investigation found she had allegedly inflated invoices. At the time, NUM general secretary Frans Baleni had said the amount exceeded R6-million. This matter is being followed up with criminal charges, Ubank told the Mamp;G.

The bank has since undertaken a general cross-organisational compliance review of the internal control environment and certain processes and procedures have been refined.

Ubank has always been a savings-led bank and this will continue because we focus on providing holistic banking services to our market. We are proud of our rich history, proven sustainability and are very optimistic about our future growth.

The National Credit Act defines short-term credit transactions as those in which the deferred amount does not exceed R8000 and the whole amount is repayable within a period not exceeding six months.

Unsecured credit transactions are when the debt is not supported by a pledge or other right in property or suretyship, or any form of personal security other than credit insurance.

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Paint Township asks Windber for cash advance

Wednesday, September 26th, 2012

Windber Borough Council will decide Thursday whether to bail out Paint Township during the municipalitys self-proclaimed cash-flow crisis.

Township supervisors requested Tuesday during a special meeting that the borough pay a $90,000 advance on police services through the end of the year.

Township officials said the police department could be forced to close by October if the advance is not approved. In addition to Paint Township, the department covers Windber, Paint, Benson, Scalp Level and Central City boroughs.

When pressed by council, township solicitor Dennis Stofko did not rule out the possibility of the township filing for bankruptcy.

We would not be here unless we were in need of immediate assistance, he told council. We just need to get through the end of the year.

Councilman James Furmanchik said that Tuesday was the first time the borough has been made aware of the townships financial problems.

Communication is paramount, and I feel slighted, he told supervisors Andy Tvardzik and Joe Huff. Ive lost a lot of respect. We werent brought into the loop until you shoved us in a corner.

Oh by the way, its nice to know you need $90,000.

Stofko said supervisors have taken steps since January to rectify the financial dilemma. They are awaiting news on a pair of long-term loan applications. The police department is exploring cost-cutting measures, including ways to reduce overtime hours for officers. The township is also considering staffing cuts. The municipality employs four workers and secretaries.

Stofko was vague on the cause of the budget shortfall. He referenced general unbudgeted expenses and cost overruns while presenting data to council. Stofko specified an overrun on the construction of a police department addition to the township building. The addition, completed in 2011, cost approximately $375,000.

Even if (loans) came in tomorrow, we would still have a six- to eight-week gap where we cant pay police, Stofko said. The $90,000 would be earmarked for the police.

Councilwoman Sonya Pekala asked if the township knew it would be in trouble last year. The township did not raise taxes.

If you knew last year you would have a deficit, why not raise taxes and freeze spending? she asked the supervisors. It will hurt people a lot more now. Irresponsible.

Stofko said the township will raise taxes next year to generate needed revenue. He would not speculate on the rate of the potential increase.

The township has a property tax rate of about 8 mills. Furmanchik asked if the townships shortfall derives from a misappropriation of funds.

Absolutely not, Stofko responded.

The township did not provide an estimate of its overall shortfall on Tuesday. The agenda for the July 17 meeting notes that Barnes Saly amp; Co., a certified public accounting firm from Johnstown, provided the township with a letter outlining cash-flow shortfalls.

The company was asked to help the township determine its cash requirements for June 1, 2012, through April 30, 2013. The firm used unaudited financial and other informational records provided by the township to calculate a projected $181,000 cash shortfall as of April 2013. It also notes an outstanding tax anticipation note for $89,000 and $26,500 owed to the sewer tap-in fund. Supervisors took $26,500 from the sewer account to pay general expenses.

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Follow On And Commence Your Credit Repair With Terrible Credit debt …

Tuesday, September 25th, 2012

On line Cash Loan – Do not need Race Whenever You Have to have Cash!
There should be a lively and legitimate bank-account within your brand. Having said that, a drawback of Bad Credit Loans For Householders is theres very high Interest rates engaged for your salaried persons on smaller cash. The better rate could become a weight for smaller sized paycheque earners. Thus, it is advisable to lend less you can rapidly pay off avoiding hesitate and difficult overtime penalty charges. small cash loans Whenever you fighting for the national boundaries of a bad credit score evaluations, funding until eventually payday might be a benefit. Sure, this improve right until payday facility can help get you started of those unresolved charges quickly. On the other hand, before you decide to bounce with delight, you must know some elementary details about the payday loans. You are eligible for improve till payday if only: Initially, you wont be provided in excess of Bucks100 to Dollar500 all at once.
Personal Loans: Grab an offer without wasting many hours Probably the most prevalent conditions that individuals face nowadays is dealing with their financial circumstances. So many people are trying difficult to cope up while using the raising costs. Often, it gets tricky to deal with all the funds which has a repaired month to month revenue. Its possible to avail guaranteed together with unguaranteed loans to unravel all his monetary troubles. Unleveraged loans are merely meant for people who dont have any property to make available as basic safety. Conversely, if you can position a security with regards to your loan, you can find anchored loans in your case. Fulfil your complete desires like selecting a auto, going on a trip, choosing a home, and so forth.
Doesnt necessarily want any documents credit report checks or fax required of paperwork along with the cash is put into the account from the applicants family savings within in one day. A rapid cash loan does not have request service fees. A lot of banks are now featuring easy capital loans through Net. The whole process from completing in the program to endorsement on the fast cash loan is accomplished online. As soon as the loan providers are fulfilled, the cash is placed in customers family savings by having a insert exchange totally no complications- just speedy quick cash. For those who acquire at the least?o1000 each month it is possible to get a quick capital loan of?o500 transferred into the checking account inside of one day. The requirement for obtaining a Rapid dollars loans could be that the client has to be utilized. Several creditors provide extra money loans merely to individuals both males and females who are with the exact same career not less than 5 many weeks. Lenders desire to establish that the consumer carries a steady career and is particularly finding a consistent earnings not less than ninety days.
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A payday cash loan was generated to be paid back no later than your approaching payday. These loans are offered within real loan office buildings and on the web. Theyre far easier if theyre obtained on the net simply because all you need is your working computer and a net connection and youll sign up for the loan starting from your individual house. Irrespective of where you have a payday cash loan itll be considerably quicker, less of a challenge, plus much more practical then seeking to getting a traditional coming from a bank. There is absolutely no credit check needed needed for a payday cash loan. Consequently you may still receive your loan inspite of no credit rating, bad credit or even a unfavorable credit ratings historical past. Direct Loan companies Payday Loans – Rapidly Cash Enhance From Direct Financial institutions Speedy cash progress loans arent supplied only by way of the substandard financial institutions. Customized loan services or longer marketplace finance companies have regarded that theres now a market need for rapidly normal and properly made available cash improve types of loans to help you folks, arrive at their subsequent payday using the minimum degree of difficulties. These loans are usually called payday loan cash breakthroughs and, typically, they are presented via on line suppliers of fast cash progress loans. A lot of the loan market obviously being likely in direction of debtors of larger sums that are content to be tied into very long-period agreement intervals and repayments.
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Bank to raise contribution from auto cash loans

Monday, September 24th, 2012

Tisco Bank plans to boost the contribution from the Tisco Auto Cash loan service to 20 per cent of its overall auto loan portfolio in the near future as it aims to achieve higher margins and boost profitability.

Tisco Auto Cash currently ac-counts for between 5 and 6 per cent of the portfolio.

Tisco Bank executive vice president Chalit Silpsrikul yesterday said that the fierce competition in auto loans had convinced several lenders to focus more on higher-margin business such as cars-for-cash products.

Financial houses used to enjoy a higher margin from providing loans for purchases of used and seized vehicles, but banks today face higher credit costs because of the lower price of such vehicles, he said.

The governments first-car scheme has influenced used-car prices, which have dropped by 10 per cent since the programme was started. The used passenger-car market in Bangkok has been affected the most, with more city dwellers now preferring to buy a new car, he said.

However, demand for used pick-ups in the provinces remains solid, and Tisco has therefore placed more emphasis on the provincial market.

The expected lower profit from used and seized cars is expected to be seen most markedly next year, because hire-purchase firms will then realise the full impact of the first-car scheme on the used-car situation, he added.

Chalit, who is also vice president of the Thai Hire Purchase Asso-|ciation, said he expected all auto lenders to aggressively promote cars-for-cash products.

Some banks are developing such a product into their portfolio.

Tisco Bank will strongly promote Tisco Auto Cash next year, including the use of television advertising, because the segment is not as well known in the market as traditional hire-purchase products, he said.

Although the bank has had Tisco Auto Cash in its portfolio for a number of years, the level of lending via the product is still lower than expected, he added.

Outstanding Tisco Auto Cash lending stands at Bt10 billion out of an overall auto loan portfolio of Bt160 billion-Bt170 billion.

Pairote Cheunkrutroj, managing director of Krungsri Auto, said lenders had room to grow from cars-for-cash lending, because the market is large and consumers are becoming increasingly familiar with such products.

At Krungsri Auto, it is possible that the cars-for-cash proportion will soon exceed the companys used-car loans.

Loans for new vehicles represent 50 per cent of the portfolio, while used-car loans and cars-for-cash lending each contribute 23 per cent. The remainder comes from motorcycle loans.

Krungsri Auto expects its outstanding loans this year will grow by 28 per cent to Bt193 billion.

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