Financial Fundamentals


Before applying it is important to note that Payday Loans or Cash Advances are not solutions to long term financial problems. They are meant to help people who suffer a sudden financial emergency. If you find that you consistently turn to payday loans to help with everyday expenses, you should contact a certified debt reduction specialist. There are also non-profit financial counseling services available to help.


Be Careful With Your Debt

The accumulation of debt is an increasing problem not just in America, but across the globe. But, that’s not an excuse. It is imperative that you understand how much your bills are, so you can begin to take control of them. Write down all your debt: rent/mortgage, auto loan, credit cards, college loans, insurance, medical bills, etc. Then write down your income. It’s important to see your income and expenses written down.


You have several options from here. Among them, contact a debt reduction specialist, financial counseling center or take matters into your own hands. Call the companies you owe and tell them that you want to pay them back and are going to do so. The vast majority of companies are willing to work with you to develop a plan to pay them back. The first step to getting out of debt is to take control of the problem.


Here are some other tips to help you take financial control.

STOP OVERSPENDING: Create a budget for yourself and stick to it.


PAY OFF HIGH INTEREST RATE LOANS FIRST: What’s the highest interest bill you have? A credit card? A car payment? Focus on paying that off first. The higher interest rates cost you more money in the long run. Get rid of those as quickly as possible.


BE PATIENT: It took a while to accumulate the debt; it will take a while to get out of it. Set benchmarks for yourself. Celebrate in a very small way when your credit card debt gets below $10,000 for instance.


START SAVING: Even if it’s just $5 or $10 a week. Deposit some money into your savings account. It will build up before you know it. It’s important to both, pay off bills, and to have an account that acts as a financial cushion: a savings account.


RadioPay.com wants you to have a great customer experience. As a result we use only state of the art technology to protect your information. We pride ourselves on producing a website that is easy to navigate and provides helpful information to you.


We also work with reliable lenders who follow the letter of the law. The lenders we carry in our network follow local, state and federal laws. If a lender violates any of these regulations, we end our relationship with them.


DISCLOSURE


The operator of this website facilitates connecting consumers interested in cash advances in amounts between $100 and $1,000 with independent lenders participating in a third party lender network. The registration information submitted by you on this website will be shared with one or more such lenders. By submitting your registration information, you authorize such lenders and other affiliates to contact you via email, telephone, or mobile device (including by automated dialing) to assist with your inquiry or to promote offers, notwithstanding that your contact information may be listed on a corporate, state, or federal Do-Not-Contact registry or the like. Submitting your registration information does not guarantee you will be approved for a cash advance. The operator of this website is not a lender or loan provider, nor is it an agent, representative, or broker thereof.


This website does not constitute an offer or solicitation to lend. Not all third party lenders can provide up to $1,000. Participating third party lenders may perform credit checks with credit reporting bureaus or obtain consumer reports through alternative providers. The operator of this website does not charge you a fee for any service or product, and does not recommend or endorse any participating third party lender. Cash transfer times may vary between third party lenders, and may depend upon your financial institution. Some faxing may be necessary. A cash advance should be used for short-term financial needs only, not as a long-term financial solution. If you do not pay your loan according to its terms, your lender may charge you late fees, send your account to a collection agency, report your information to a consumer reporting agency (which may negatively affect your credit score), and/or offer to renew, extend, or refinance your loan (which may cause you to incur additional fees, charges, and interest). Only your lender can provide you information about your specific loan terms and the implications of non-payment of your loan. For details, questions, or concerns regarding your cash advance, contact your lender directly.


This service is not available in all states, and the states serviced by this website may change from time to time, without notice. Residents of some states may not be eligible for cash advances. You are responsible for complying with all statutory obligations regarding obtaining cash advances in your state of residence. This service and offer are void where prohibited.