$ 500 No Teletrack Loan – Barrie, Canada – First Time Customer/Borrower


2000 loan progressive lense $ 500 No Teletrack Loan   Barrie, Canada   First Time Customer/BorrowerThis is a $500 loan application for a payday loan with a lender that had a no teletrack policy in their store during their approval process and qualification steps.

This loan request came from us to a lender in Barrie Ontario. This borrower has a bad credit rating due to some past problems with credit card debts and a nasty divorce. If her family life problems were not enough to drive someone crazy, her unfortunate incident should have tipped her over the edge.

Alexandria found herself to be in a bit of a tight spot one day when she walked out one morning and found out that her car had been stolen.

Fine – these kinds of things happen once in a while when you live near a major Canadian city like Toronto, but the real hassle wasn’t the insurance company issues and rental car issues. No, the real problem was losing her purse with all her identification, credit cards, iPhone, business contacts, car keys, house keys, work keys, and glasses!

As it turns out, these items were a serious pain in the *ss to get replaced, and none of them had to be replaced as quickly as her glasses. She had to replace her glasses as soon as possible so she could drive, work, and look after domestic affairs with the children and the house.

So as you can see in the application, Alexandria has a personal debt total of over $30,000, with a DTI score of .71, and a nasty little FICO score of 550. With all this included, just in case you don’t know what these numbers mean, it means that a conventional bank won’t touch her with a 10 foot pole. That is not a good thing when you need to have some glasses replaced, or have some sort of emergency purchase that has to be taken care of.

You can also see that Alexandria makes a gross income of over $5000 as a surveying technician in the Barrie area. Getting a payday loan approved for $500 as a first time customer is really no sweat, because most of these companies will lend you $500 or less on the first go around if you have a clean Teletrack record, and some sort of gainful employment. In this case, that is exactly the situation at hand.

You can also see that there is a debt out on her vehicle for over $5000, and when we total of all of her monthly payments you can see why her Royal Bank of Canada branch in Barrie wouldn’t accept her application for more credit.

However, the cash advance company in Barrie had no problem with it since they really get their money as soon as she gets paid again by the surveying company she’s been working for. This has a big bearing on whether or not you get approved with a payday loan company – if you have steady employment, and a clean record of employment, you are almost certain to get approved in one afternoon or overnight. First time borrowers can only get < $300-$500 though, so keep that in mind.

The urgency level of this loan application was tagged as “important”. I’ll say – when you can’t see anything it’s kind of hard to function in any kind of society, and being blind as a bat traveling down the highways and byways of Toronto, Canada is what I would like to call……”difficult”.

barrie ontario no teletrack loan first time customer $ 500 No Teletrack Loan   Barrie, Canada   First Time Customer/BorrowerFor this loan the term was for 14 days because Alexandria wasn’t getting paid for another two weeks. This is basically how it always works with payday loan companies. They want your money from your account as soon as you get paid on the next cheque, and they would prefer it if they got paid first before anybody else did. A huge surprise I know.

One of our payday loan associate websites found her the lender in Barrie that had a reasonably low fee per $100 borrowed. The legal limit for fees per every $100 borrowed in Ontario is $23, but this lender only charged $20 for every 100 borrowed. So for this loan, we have calculated the effective APR for you.

I know we get into the habit of this quite often here at BFC, and I know it may seem tedious sometimes, but we need to always remind people of how costly payday loans can be, and perhaps we will encourage some of our visitors to find alternative ways to raise quick cash in dire situations. Usually there is another way to get some quick money, and that’s from a friend or family member. Heck, we have even seen examples of Angel Lenders coming through in the nick of time to help out an individual in their time of financial need. Anyway, that is a story for another post – here are the numbers – she was approved, and she got her Volkswagen Jetta back three weeks later to boot;

$500 Payday Loan Effective APR Calculation:

  • Loan Amount = $500 CDN
  • Loan Fee Per $100 = $20
  • Loan Term = 14 days
  • Total Repaid to Lender on Payday = $600
  • Effective APR on Loan = 520.00%

Loan App Via Email:

  • How Much Needed: $1500
  • Monthly Installment You Will Pay: $230
  • TransUnion Score: 550
  • Enter DTI Here: 0.71
  • Area of Loan Request: Barrie, Ontario
  • Country Loan Request: Canada
  • Purpose of Loan: Progressive Lenses
  • Total Term: 14 days
  • Your Income: $5,000
  • Time at Job: 18 months
  • Your Employment: Surveying Technician
  • Urgency Level: Important
  • Credit Card Debt: $500
  • Current Total Debt(s): $32,574.76
  • Car or Truck Make: Volkswagen
  • Debt On Vehicle: $5,060

Borrowers Comments: I would like to borrow $500 so that I can buy some progressive lenses for my glasses. I just turned 45 years old and I’m a single mother now with four children to look after, feed, and clothe. I really need to find some money fast because my glasses were stolen in my vehicle, which was stolen from the parking lot at my place of employment in Barrie Ontario. I know there are payday lenders in Barrie, but I would rather not use such a lender that has a high profile right off the sidewalk.

I really want to get this loan accomplished using an online facility like the one you have here. I noticed that there is no place for me to fill out my loan application anymore on Bucks for Canucks, and was wondering if you are still taking loan applications here.

From what I’ve seen, and heard from other people who have purchased progressive lenses, they will run me about $500, depending on the frames. Well I already have my own frames so all I really need is the lenses inserted.

I know it seems like $500 isn’t very much money these days – can’t spread it around very far, but I have to get these glasses soon or I will not be able to drive to work, and anywhere else for that matter.

I make a steady income as a technician now, and I have a very small amount of credit card debt. Unfortunately though, my bank and my credit card company won’t give me more than $500 credit because of a past bankruptcy I had only four years ago.

Can you please guide me in the general direction of payday lenders who will lend me $500 and not check me out with Teletrack.

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19 Loan Requests

  1. Sheila applied for the following loan:

    Loan: $1200

    Speed: I need the money tonight right away

    Credit: Poor to bad. Some would say really bad.

    Location: Barrie Ontario Canada

    Income: I make between $2500 and $3200 depending on the hours I get and the tips I get. I am exercise instructor and life coach. I work in Ontario exculsively.

    Reason:

    I need a loan so that I can pay some bills off soon, or I’m going to be sitting in the dark her.

    Be quick please!!!!!

  2. Sandra applied for the following loan:

    Loan: $500

    Speed: By morning please

    Credit: Bad - Really

    Location: Barrie, Ontario, Canada

    Income: Unemployed right now, but will be working starting next week - I hope you can help me get approved with one of your private lenders.

    Reason:

    Need to by some time with my landlord until my new employer starts paying me and I get paid every two weeks. I need this loan to be for a month. Thanks in advance.

  3. Daniel applied for the following loan:

    Loan: 150.00

    Speed: ASAP

    Credit: really bad

    Location: Barrie, Ontario, Canada

    Income: 1140.00 Bi-weekly Salary

    Reason:

    Grocery Shopping, Gas to get to work

  4. cassi applied for the following loan:

    Loan: 3000

    Speed: asap right away

    Credit: poor

    Location: edmonton alberta

    Income: about 1900/M Also receieve child support,child tax credit additonal $750.00/Mnth

    Reason:

    I am desperatley needing to catch up on some past due bills and need to put food in my house.I am a singlemother who has allen behind and i need to catch up.My power and gas are being threatend to be cut off..Please i can pay bacck monthly payments starting at $200.00/Month will sign a contract stating i will mmake those payments..I am a single mother finnallyyy starting to get on my feet and just need some help to do it..

  5. sheryl applied for the following loan:

    Loan: 300

    Speed: on april 12 2013

    Credit: bad

    Location: brampton,ontario,canada

    Income: On long term disabilty 1700 a month and child tax 390 a month

    Reason:

    Emergency traveling

  6. sheryl applied for the following loan:

    Loan: 300

    Speed: asap

    Credit: bad

    Location: brampton,Ontario,canada

    Income: Longterm disability 1700 monthly and child tax 390 monthly

    Reason:

    Familey emergency

  7. rick applied for the following loan:

    Loan: 3000

    Speed: asap

    Credit: bad

    Location: etobicoke, on

    Income: 3000 to 4000 with overtime

    Reason:

    To paid some bills off, and to get my rent back on track

  8. thomas applied for the following loan:

    Loan: 2000

    Speed: asap

    Credit: poor

    Location: picton /ontario/canada

    Income: 1412 unemployment insurance

    Reason:

    Catch up on some bills

  9. thomas applied for the following loan:

    Loan: 2000

    Speed: asap

    Credit: poor

    Location: picton,on

    Income: 1412

    Reason:

    Bills

  10. Karen applied for the following loan:

    Loan: 500

    Speed: April30

    Credit: Bad

    Location: Alberta, canada

    Income: 1750.00 every two weeks

    Reason:

    Pay off credit card

  11. Kim applied for the following loan:

    Loan: $800+

    Speed: ASAP

    Credit: Bad

    Location: Oshawa Ontario Canada

    Income: I have a net income of $2536.21 a month. I am on Long Term Disability with my employer The Toronto Stock Exchange since April 1994 , and Canada Pension Disability since Nov. 1996. I have a steady regular monthly income.

    Reason:

    I am single, and have no dependants. I am needing a loan to purchase new glasses as the ones I am wearing now are four years old and being diabetic my vision isn’t clear anymore. I would like to purchase a used modern TV from Cash Converters. The one I am borrowing is a small tube type more then 12 years old. I also a few personal loans I would like to get paid off. Prior to my marriage breakup I had very good credit, but due to the separation it had affected it. I am a very honest and trustworthy person in need of some help. Thank you.

  12. Kim applied for the following loan:

    Loan: 500+

    Speed: ASAP

    Credit: Bad

    Location: Oshawa Ontario Canada

    Income: I have a net income of $2536.21 a month. I am on Long Term Disability with my employer The Toronto Stock Exchange since April 1994 , and Canada Pension Disability since Nov. 1996. I have a steady regular monthly income.

    Reason:

    I am single, and have no dependants. I am needing a loan to purchase new glasses as the ones I am wearing now are four years old and being diabetic my vision isn’t clear anymore. I would like to purchase a used modern TV from Cash Converters. The one I am borrowing is a small tube type more then 12 years old. I also a few personal loans I would like to get paid off. Prior to my marriage breakup I had very good credit, but due to the separation it had affected it. I am a very honest and trustworthy person in need of some help. Thank you.

  13. erin applied for the following loan:

    Loan: 200

    Speed: now

    Credit: dont know

    Location: badger, Newfoundland,canada

    Income: 1525

    Reason:

    Bills

  14. Bill applied for the following loan:

    Loan: 5000

    Speed: Tomorrow

    Credit: poor

    Location: Innisfil,Ontario,Canada

    Income: I make $2700 per month net.I have been at my job for 3 years.

    Reason:

    I would like this loan to move.We are living with family now and would like to get a place of our own.

  15. Samantha applied for the following loan:

    Loan: 500

    Speed: asap

    Credit: bad

    Location: Winnipeg,Manitoba Canada

    Income: child tax benefits 1165 , universal 100 , eia 816

    Reason:

    i need to pay for damages to my place and i also have to get lunch for my kids for the rest of the month

  16. Sam applied for the following loan:

    Loan: 500

    Speed: as soon as possible

    Credit: bad

    Location: Winnipeg,Manitoba Canada

    Income: child tax 1165 universial 100 social asst. 816

    Reason:

    i need to pay for damages to my place and i also have to get lunch for my kids for school.

  17. Sam applied for the following loan:

    Loan: 5000

    Speed: now

    Credit: poor

    Location: Winnipeg, Manitoba, Canada

    Income: child tax 1165, universial 100, social asst.816

    Reason:

    i need to get lunch for my kids to go to school. and bills.

  18. Janet applied for the following loan:

    Loan: 500

    Speed: today

    Credit: fair

    Location: Edmonton alberta canada

    Income: work full time as an account receivable. Get pay bi-weekly and net pay per month $2500

    Reason:

    To pay for day care

  19. Loni applied for the following loan:

    Loan: 500

    Speed: asap

    Credit: bad

    Location: Westlock

    Income: I am receiving 2500$ a month but direct deposit only 800

    Reason:

    unexpected expenses

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