No Teletrack Payday Loans in Kitchener – Fast Online Approval


no teletrack payday loans kitchener on No Teletrack Payday Loans in Kitchener   Fast Online ApprovalLast Tuesday we got an email from a borrower named Kenneth in Kitchener, Ontario. (just in case you’ve had your head in the sand for most of your life, Kitchener is in Canada).

The customer was also requesting he get approved really fast, and have the money deposited via EFT into his account that very same night. You will be very hard pressed to find a payday loan company that deposits money in accounts during the evening, especially when they have not even gone through the approval process yet. Don’t forget – most ALL of the payday loan stores in Canada are closed during the evening hours of every night of the week, and closed altogether on Sundays.

Sure, some of the lenders manage their incoming leads via their website(s), and they can even process the approvals if they have employees working in a call center, or centralized approval location (running 24 hours), but if they take your online application after 5 or 6 o’clock at night (1700 – 1800 hrs.) they generally complete the loan in the morning.

We’ve had some loan applications go through two days after the online application went through. There is always a delay time – somewhat. I know this goes against the advertiser’s web or television ad (lender rhetoric) when they claim to have a fast, no hassle, and a seamless, almost automatic approval and funding experience. I mean some of these companies are indeed really quite fast, and some are really slow. In the end though, you should re-access your situation, and HONESTLY ask yourself how you ended up in a situation where you were in such a pickle – a situation urgent enough that you are willing to accept an effective APR higher than 250%. You must be able to think back and see where you messed things up. Maybe you over spent, didn’t save, partied too much – whatever.

We checked out this borrower’s personal data, and we could see why he was using a payday loan company, and not a conventional bank. His DTI was really ugly – not enough money to really have any fun during the month. His personal debt, after you factor in the personal loans with the HSBC and the balance on his credit cards, his DTI came in at .85 (very high).

Kenneth was approved for this loan of $500 and he paid it back in 5 days – two days earlier than he had agreed to with the lender initially. This makes him a good customer/borrower/client, and the company will be VERY happy to help him with another fast online loan in the future. The difference in the future is that Kenneth can get approved much faster if he gets the loan with the same company. Keep in mind though please, you never want to become a repeat customer with any of these companies. The APR is just too high for repeated utilization. These loans are meant to be for emergency purposes only, and most of the payday loan store owners will even tell you that.

BFC Application: Cash To Borrow: $500, Fair Isaac Score: 629, Enter DTI Here: 0.85, Location of Loan App: Kitchener, Ontario, Country of Loan Application: Canada, Reason For Loan: Pay back other lender, Term Length Period: 7 days, Per Month Earning: $2,440, Mos. With Employment: 17, Job Description: Oven Operator.

Urgency of Loan: Rush Please – Tonight, Total MasterCard Debt: $90,000, Personal Debt: $32,320, Car/Truck Model: Nissan Prairie, Amount Owing: $9,010.

Additional Applicant Comments: Hello, I really have to get approved for a $500 loan by tonight, and all the loan stores are closed near where I live in Kitchener. I was wondering if you could help me find an online lender in Canada that doesn’t use Teletrack. I had a problem with a payday loan store a few months ago, because I refused to pay their high fees and penalties on a cheque I bounced. It was expensive for me already with the bank penalty and the interest I have already paid on the loan. Please give me a break here, because I need to pay this lender back, so I can get them out of my life.

I paid back everything I owed these people, including the principal of the initial loan, the loan fees, and even the bounced cheque penalty, but I REFUSE to pay another roll-over fee. Because of this disagreement, they dinged my credit rating with Teletrack. No payday lenders will lend to me now, but yet I can afford to pay back what I borrow, and I promise you that I will for sure. Thank you for your consideration on my behalf.

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8 Loan Requests

  1. Sheeny applied for the following loan:

    Loan: $7000

    Speed: My month end.

    Credit: Poor

    Location: Waterloo, Ontario, Country

    Income: $3040

    Reason:

    I got a loan from one of you lenders about six months ago. This is Sheeny T. and you should see my loan that went through in your records. Anyway, I need to borrow 7 grand soon. You will notice that I paid back the private lender on time and my record should be a BFC-A+++.

    Get back to me on this new email please. Thanks a ton again.

  2. vanessa applied for the following loan:

    Loan: 2000

    Speed: as soon as possible

    Credit: poor

    Location: parrysound ontario canada

    Income: 900 month odsp

    Reason:

    having a baby need 2 get stuff

  3. Ron applied for the following loan:

    Loan: 9000.00

    Speed: ASAP

    Credit: poor

    Location: toronto, ontario

    Income: 5,170.00 per month take home 3 years with the company

    Reason:

    to pay off bills

  4. Kelly applied for the following loan:

    Loan: 1500

    Speed: by the end of today

    Credit: so so

    Location: Kitchener, Ontario

    Income: $944 bi weekly from my full time job I've had for almost 2yrs & $300 child support.

    Reason:

    I was off on sick leave & just returned to work a little over a week ago. I’m trying to catch up my bills from being off and make sure my kids still get to celebrate christmas.

  5. May applied for the following loan:

    Loan: 5000.00

    Speed: asap

    Credit: poor

    Location: guelph,ontario

    Income: $3800 - 10 years with company (me) $4000 - 20 years with company (husband)

    Reason:

    pay off my outstanding $1600 payday loan, car repairs

  6. Deana applied for the following loan:

    Loan: 7500

    Speed: ASAP

    Credit: consumer proposal

    Location: Waterloo, Ontario

    Income: $4500

    Reason:

    Emergency Funds needed. I can pay $500 month until the loan is paid off in full. I have a very secure, Full time job which I’ve been at for the past 11 years.
    Please consider me as an applicant for a loan.

  7. Robert applied for the following loan:

    Loan: 12880

    Speed: Today by 4:30 june 21st

    Credit: Good

    Location: Kitchener ontario canada

    Income: Starting full time job monday, brings in 1640 monthly, part time job since last year april brings in 960 monthly. Bought a car was suppose to pick it up today so i can go to and from my fulltime job starting monday

    Reason:

    Bought a car to travel to and from my full time job and the bank bailed on me last minute and now i need help asap

  8. Cmb applied for the following loan:

    Loan: 150

    Speed: now

    Credit: very poor

    Location: Fort Frances, ON, Canada

    Income: $677 Bi-weekly from part time job $383 per month for Child Tax Benefit $260 bi-weekly employment insurance benefits

    Reason:

    Money is needed for groceries and gas money for my sons 3 day hockey tournament

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