<>The Washington State Department of Financial Institutions (DFI) has received complaints from Washington consumers of what appear to be loan collection scams. Numerous consumers reported they were contacted by entities claiming to collect debts owed to companies with “Cash Advance” in their names. The collection attempts often involve threats of lawsuits, asset seizure, and arrest. The consumers targeted did not actually owe the debt being collected. At least some of the consumers were targeted after they applied for loans from unlicensed online lenders.
<>If we agree that we have violated the law, we must return your check and you must return the cash received under the agreement. Additionally, for each violation, we must pay you restitution equal to 5 times the amount of the fee we charged you under the agreement but not less than $15.00 or more than the face amount of your check. You may also pursue an action for your actual damages against us.
<>Residents of the State of Washington are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a “small loan” (sometimes referred to as a “payday loan”) made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700. Collection activities involving loans of $700 or less are subject to RCW 31.45.082, which limits the time, place, and manner in which a payday loan may be collected. Payday lenders must also provide borrowers with an installment plan if the borrower is not able to pay the small loan back when it is due.
<>When you receive a raise, it's tempting to spend more money on things and experiences that make you happy. However, the "hedonic treadmill" theory suggests that even though an income boost can make us feel like we've earned an uptick in spending, our newfound windfall will eventually leave us as unsatisfied as we were prior to the raise because our needs don't disappear – they just get grander. Savvy savers know to avoid lifestyle inflation during periods of income growth and invest in themselves instead. This can mean upping retirement contributions or diverting the difference into a savings account, emergency fund or toward some other financial goal.
<>VCC Credit Services Inc., dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21
<>Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19.
<>NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.
<>Credit card cash advances can come in handy when there’s a necessary expense that you can’t charge to your card (like rent) and you don’t have the funds to cover it otherwise. But the problem with credit card cash advances is that they have fees and interest rates that are generally much higher than if you just used your credit card to make a purchase. Also, you can only borrow as much as your cash advance limit allows, and if you already have a balance on your credit card, that amount may be reduced.
<>*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code. In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.
<>For most people, a cash advance (also known as a payday advance) is something associated with a credit card or other line of credit. Many credit card companies make it easy for customers to receive cash advances nearby by using their credit card at a local ATM. The problem with such tactics is that the costs of the advance can add up quickly and you might not even realize what all those costs are. You'll likely pay an ATM fee charged by the bank that runs the machine, and you might also pay a fee to the credit card company for taking the advance, along with finance charges and interest if you don't pay the money back before your next billing cycle. Some credit card companies charge interest on cash advances that is higher than the interest charged on regular balances, which can make for surprising increases in your total balance.
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