300 Emergency Cash Advance Until Payday – Thunder Bay Ontario


Well I guess the old saying, know when to fold them, really does apply. This client lost all his paycheck in a pokergame and now needs to borrow$300 to help pay his rent which is due in the middle of the week. He needs this money until payday, at which time he wants to pay 50% back and the rest the following week.

He lives in Thunder Bay, Ontario and works as a short order cook for a local restaurant. While this job does not pay a lot he seems to be able to manage his money well. He lost a big chunk this past weekend and hopefully he has learned his lesson about playing poker.

From what we can tell his credit rating is ok, however he really has not had enough activity to portray an excellent credit rating. He has had no reports of being late or missing payments of any kind. On the other hand he also has not borrowed any money and repaid it to show that he can meet his obligations. He also does not have a credit card which is another factor that many lenders use to gauge whether a client is a good credit risk or not.

It is not that he is a bad risk, it is just that he really does not have a record of borrowing money and then repaying it according to the terms of the loan. Many lenders might shy away from lending money to a client like this with this kind of credit rating. We anticipate that there will be some lenders that will lend him the money once he has been able to provide copies of his bank statements which will show regular deposits for his pay check and also hopefully show that he has not missed any payments or written checks with insufficient funds. Once he provides this information, we expect that one or more lenders will be willing to lend him the cash advance he is looking for.

It is a good lesson to everyone. In order to have an excellent credit rating you really need to have had some debt and then have a record of repaying this debt back to the lender successfully. Too much debt is bad, late payments are bad and non-payment of loans is really bad. Having too many credit cards at the maximum balance is also bad. But having one or two cards that you pay the balance on each month demonstrates that you are responsible and will repay your loan on time.
Cash Advance Payday Loan Application

Cash Advance Payday  Loan Amount :: $300

Payday Loan Speed :: Tomorrow please

What City/Town, Province, and County do you live in? ::  Thunder Bay, Ontario

Postal Code :: P7B 5E6

What is your employment industry and how long in this field – detail please? :: Restaurant business  for the past 3 years

Employment Position :: Short order cook

When are you paid? :: Weekly

What would you consider your credit rating to be – excellent, great, good, fair, bad? :: ok , I guess, not really sure

How did you find us? :: searching for loans on the web

Bank name :: Bank of Montreal

How are you paid? :: by check, which I cash at my bank on Fridays or sometimes Saturday

Gross Amount Per Paycheck ::  $480

Do not include ABA or bank routing numbers here. This is for your personal security. Do not enter social security numbers here. Do you agree to have this application information published online with your PRIVATE info removed? :: sure why not

Any extra information here please :: I work for a small restaurant in Thunder Bay as a short order cook. I started washing dishes and now look after filling all of the orders for the morning shift. We open at 6am, so I have to be there at 5 am to help open up, get the coffee going and pre-cook the potatoes, the bacon and get other foods ready that are usually part of the morning breakfast routine. Once the restaurant fills up for the morning rush, you have to be ready for the customers, since it is hectic enough as it is without the basics not being ready. We cook the eggs and pancakes etc to order.

The reason I need this loan so quick is that I kind of blew my paycheck on the weekend and now I do not have enough to pay the rent which is due in the middle of the week. We were playing poker Saturday night and although hindsight is 20 20, I thought I had a sure hand that just could not lose, and bet my entire paycheck on one hand. What a surprise, when we both had straights with my buddy having one card higher than I did in the straight that he had. Anyway I had to hand over my entire pay check to him Saturday night and now I am really short on cash. My landlord is not going to be too happy if I do not come up with the cash for the rent. Please help by approving this loan before the middle of the week.

Note to Lender – Please add any information you are comfortable with sharing regarding this loan :: Regarding my credit rating, as far as I am aware I have a good rating. I have not borrowed money before and I do not have any credit cards. I am never late with my rent and I pretty much pay cash for everything else. This is the first time I have found myself short of cash at a critical time. I will be working extra hours to pay this loan off and of course will be able to repay more than half on payday or the day after. Please advise if the loan can be approved and when I can expect the funds to be in my account?  Also I will need to know what day you will withdraw the payments so I can make sure that the money is in my account.

Have you ever defaulted or bounced a check with a payday cash advance loan in the past? :: No, I have never  borrowed money from online lender before.

 

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10 Loan Requests

  1. julie applied for the following loan:

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    Speed: within a week

    Credit: 600

    Location: st.catharines ontario. canada

    Income: I take home3200 net per month. I did work two jobs.. and extra help from my husband. If you need more information. Please e mail me. Hope you will consider my application thanks Julie

    Reason:

    I want to pay my son school fée which owe à year. And pay my credit card..

  2. tammy applied for the following loan:

    Loan: 350.00

    Speed: now

    Credit: poor

    Location: hamilton ontario canada

    Income: ontario works 1263 cctb 1499 universal 100

    Reason:

    i need groceries for my kids and to pay a hydro bill once i paid my first and last months rent this month it left me short for those things

  3. Olga applied for the following loan:

    Loan: 400

    Speed: now

    Credit: poor

    Location: ottawa, ontario

    Income: I work full-time in a call-centre and I make $1800 per month.

    Reason:

    Unexpected expenses. I have to go to out of town for 2 days because of a family member’s death and I need don’t have enough for travel expenses(ticket). I am only going for 3 days and I am still going to be paid for my absence because it is an emergency. I will be able to repay back on my next pay day.

  4. Lori applied for the following loan:

    Loan: 1500 to 2000

    Speed: within a week

    Credit: poor

    Location: Brantford, Ontario

    Income: 2465.00

    Reason:

    to payoff debts and outstanding bills like hydro, gas, and mortgage

  5. vanessa applied for the following loan:

    Loan: 300

    Speed: now

    Credit: poor

    Location: parry sound ontario canada

    Income: i make 980 a month on disibility and also an extra 200 on benifits

    Reason:

    i never recieved my odsp yet this month and im in need of groceries also i have a bill to pay off

  6. elva applied for the following loan:

    Loan: 300

    Speed: today

    Credit: poor

    Location: brampton,ont,canada

    Income: 800 bi weekly plus child tax benefit

    Reason:

    I have to pay some bills

  7. Saditya applied for the following loan:

    Loan: 500

    Speed: today

    Credit: poor

    Location: mississauga,ON,L4T3L6, canada

    Income: 800 biweekly

    Reason:

    have to pay the rent went out of money and will pay back on this friday

  8. tina nicole applied for the following loan:

    Loan: 400.00

    Speed: right now today

    Credit: poor

    Location: Constance Lake,ON Canada

    Income: I get $1400.00 a month on Child tax benefits, and also get gsts and trillium every 3 months and every month...I also get Ontario works once a month by cheque.

    Reason:

    I need Groceries and Pampers for my babies who are 3 and 2 years old…plus snacks and wipes. So if I get this loan it would be greatly appreciated and good help. I’m just moving to Thunder Bay so money is tight right now.

  9. will applied for the following loan:

    Loan: 2500

    Speed: this week

    Credit: 600

    Location: edmonton, alberta,canada

    Income: Me and my wife bring in 8000.00 a month before taxes. We just moved to alberta from b.c. where we got into financial problems which ruined or credit. We will use the loan to clear up debts to begin rebuilding or credit.

    Reason:

    We need this to clear up debts that are running or credit scores. We are now in financial place to be able to make payments with ease but cannot get a conventional loan.

  10. james applied for the following loan:

    Loan: 350.00

    Speed: Today

    Credit: average

    Location: thunder bay,Ontario,canada,

    Income: I am on odsp and I recieve 1057.77 a month plus I get gst's and the trillium every 3 months,

    Reason:

    to pay off debts and some outstanding bill I need to get caught up on..

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