500 Urgent Cash PDL in Abbotsford B.C.


The current applicant is hoping to be approved for a $500  PDL and she lives  in Abbotsford B.C. . She works at a retail store receiving minimum wage and a commission on the clothes that she sells. Her hours changeeach week depending on how busy the store is. The PDL loan or pay day loan is needed to pay for a weekend trip that she wants to go on with some friends of hers. She is unable to go on the trip since she has no cash at the moment and her credit cards have reached their approved  limit  and nothing more can be charged to either of her two cards. She pays the minimum amount each month required by both accounts.

Unfortunately, this applicant will either have to stay home and look for another job as she mentioned in her application or find the money elsewhere. We do not think that the bank will be willing to approve the PDL loan she has requested due to her apparently inability to manage her money and the fact that she has two credit cards which have reach their limits. She is barely generating enough income now to pay these two cards, plus her living expenses without adding more debt to her existing debt on her credit cards.

She has mentioned that she is thinking of getting a second job to make up for the slow periods at her current job and also to help pay the balance on her existing credit cards. We agree that this is something she should focus on, other wise she will risk a further slip in her credit rating. Her credit rating  is not bad at the moment, but it could be better. She has not missed any payment so far, however with two credit cards, both at their limits, they do not help her credit rating. Since she is cash short at the moment, she really needs to make sure that she generates enough cash to pay for these loans. This needs to be her top priority at this time.

Online Cash Payday Loan Application

Payday Cash Loan Amount :: $500

Payday Loan Speed :: Urgent, I really need the money today if possible

What City/Town, Province, and County do you live in? :: Abbotsford, British Columbia

Postal Code :: V2S 0A1

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

Employment Position :: I work as a retail clerk in a small clothing store on salary plus commission

When are you paid? :: Every two weeks

What would you consider your credit rating to be – excellent, great, good, fair, bad? :: Fair to good

How did you find us? :: Searching for urgent cash pay day loans on the internet

Bank name :: Royal Bank of Canada

How are you paid? :: Direct deposit

Gross Amount Per Paycheck :: varies from $1000 to $2000 due to commission sales

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? :: yes, ok

Any extra information here please :: I work as a retail clerk in a small clothing store in one of the malls here in Abbotsford. I am paid  a minimum wage by the hour and I also receive a small commission on my sales.  For the most part I get a full weeks hours although sometimes during slow periods the store manager will cut back on my hours simply because there are not enough customers coming in. All of the retail stores are like this from season to season and it is just something you have to deal with. I also receive a discount on any clothes that I buy at the store, which saves me a lot of money too. My income varies due to the commissions I receive and the number of hours that I get. Lately I have been thinking about taking a second job so I can pay my bills, however I thought I would try this cash loan approach first. What is the interest rate and are their any processing fees?

Note to Lender – Please add any information you are comfortable with sharing regarding this loan :: I owe $2000 on two credit cards for a total of $4000. They are max’d out so I cannot charge any more to these cards. I have been paying the minimum monthly payment on both cards,  although I am not making much headway on reducing the balance. Between the high interest rate charged and charges that I rack up each month the amount I owe never changes. It is always at the limit the credit card company has approved.  I am really tired of paying 18% or more interest on the balance on these cards and that is one of the reasons I am thinking about taking a second job. The other is that my hours vary so much I cannot really depend on enough  income from my current job.

I think my credit rating is still ok. I have never missed a payment, but someone told me that if you have more than one credit card and they are both at the limit, the credit rating agencies will deduct points from your credit rating. Is this true and what will that mean to my ability to get a pay day loan?

The reason that I need the $500  cash PDL urgently is that I have been invited to go on a trip this weekend and I have no cash money at the moment available. I just paid my rent and that took all of my ready cash and emptied my bank account. So if I do not get this loan, I will not be able to go on the trip. Can you help me out?

Have you ever defaulted or bounced a check with a payday cash advance loan in the past? :: no, however my credit cards are max’d out to the limit. I owe $2000 on both of my cards.

 

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8 Loan Requests

  1. Brenda applied for the following loan:

    Loan: 5000

    Speed: ASAP

    Credit: maybe a 6 out of 10

    Location: St. John's. NL. Canada

    Income: I earn between $800 and $1000 per week. I also have a guarennteed monthly income of $1346 which I receive monthly.

    Reason:

    I ran into a $3000 car repair bill just before my daughters graduation which also cost me $1000. These bills deleted my bank account and now I am struggling to stay above water. I need to catch up on bill payments before I hit rock bottom. Unfortunately the money is going out faster than it is coming in and I need help.

  2. Brenda applied for the following loan:

    Loan: $5000

    Speed: ASAP

    Credit: maybe 6 out od 10

    Location: St. John's, NL, Canada

    Income: I earn between $800 and $1000 per week. I also have a guarenntedd monthly income of $1346.

    Reason:

    I ran into some heavy expenses in the last couple of months. A $3000 car repair bill along with a $1000 graduation for my daughter has set me back considerably. I am now struggling to stay above water. I need to pay of some debts such as a credit card and catch up on some bills so that I can start to rebuild my finances. Unfortunately I need help.

  3. Lori applied for the following loan:

    Loan: 4500

    Speed: today if possible

    Credit: fair

    Location: williams lake bc

    Income: employment as a care aide 2000 per month 872.00 gauranteed income as well per month

    Reason:

    2 days agao I had dental surgery and it cost a small fortune, dental insurance only covered a portion. I have had to use my own money for it and now I need money for our water tank at home and to have my car fixed. I just cant do it all and need some help also I am feeding three kids which also take priority,

  4. Michael applied for the following loan:

    Loan: 2000

    Speed: End of the month (July)

    Credit: 5/10

    Location: St John's, Newfoundland

    Income: 2 Jobs 23$/hr 40-45 hrs per week guaranteed 12.25$/hr for 27 hrs per week guaranteed Total monthly income before taxes ($5800) **Can provide proof of the above. (ie. paystubs,or any other info ie. bank statement showing direct deposit for payrolls etc)

    Reason:

    Has been met with several expenses all at once. As stated above I have a really good career day job and another lower paying evening job for 54 hours per week. I have Major dental work needed, vehicle repairs, insurance renewal on vehicle. Everything hit all at once and I need the $2000 to cover off my upcoming debts. Would expect to have the entire balance repaid within 2-3 months. Thanks for your time.

  5. lyn applied for the following loan:

    Loan: 3000

    Speed: soon as possible

    Credit: bad

    Location: mission british columbia

    Income: $2400

    Reason:

    to pay bills and to be able to give the best christmas for my two wonderful kids. two boys 11 years old and 5 years old. we wish you could help up, this would make our christmas wish come true. thanks

  6. Chrissy applied for the following loan:

    Loan: $300.00

    Speed: lending it to a friend to move

    Credit: good

    Location: Regina, Saskatchwan, Canada

    Income: I get $1000.00 a month on diability

    Reason:

    I’m helping a friend move back to saskatchwan from BC

  7. Marc applied for the following loan:

    Loan: 1500

    Speed: As soon As possible

    Credit: Poor Credit

    Location: Trotno ON

    Income: I currently have been working as a Business Development Manager in Toronto and I make a gross income of $4800 per month I net $1800 bi-monthly.

    Reason:

    I am currently in arrears for a few days in paying my ex-wife and children for support and I do not want to fall behind and also to pay some outstanding bills!!

  8. Marc applied for the following loan:

    Loan: 1500

    Speed: ASAP

    Credit: Poor Credit

    Location: Toronto

    Income: I currently make a monthly gross income of $4800 and a net bi-monthly pay of $1800. I have been working as a Business Development manager for 1 year and a half in downtown Toronto

    Reason:

    I have been a few days late in providing support payment to my ex-wife and children and I do not want to fall behind, I am very diligent in that matter. I also need to pay some outstanding bills such as cell phone etc..your help will definitely be appreciated in this matter!!

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