Christmas Holiday Loan With Direct Lenders In London, On, Canada


christmas loan with bad credit direct lenders Christmas Holiday Loan With Direct Lenders In London, On, CanadaIn London (Ontario, Canada that is) a client submitted an online request for a direct payday loan from a lender in her home town. There are of course many payday loan companies carrying out business in London, but she didn’t want to actually go down to a walk-in PDL store for fear of being found out – she wanted the entire loan taken care of online – 100% guaranteed approval.

I don’t quite understand the stigma that some people direct towards payday loan lending in Canada. It’s just a fast financial instrument that CAN be used if absolutely required, and agreed, they should only be employed if you are in dire need of some cash.

Payday loans have been growing in Canada since 1994 and the popularity of them keeps rising. Unless there is some massive socialist agenda that hits Canadian politics in the future, payday loans stores and franchises are going to keep popping up in our neighborhoods.

Anyway, back to this direct loan for Christmas.

Our faithful applicant, as you can read below, wanted to borrow $1000 for Xmas gifts and the normal Xmas “stuff” (toys, stocking stuffers, turkey dinner, etc.) that goes along with this insane holiday – don’t get me all riled up over Christmas season because I tend to lose it! I really don’t like the pressure that gets applied on the shoulders of people that time of year. The time, energy, and money suck is ridiculous. However, I do believe Christmas is very important to children, and the economy, and why would I want to shoot myself in the foot – right?

In the application disclosure from this London borrower below you can also read that her DTI is fairly high, regardless of the fact that her monthly income is rather decent at $2500 dollars. It doesn’t really matter how much money you earn a month – if your DTI is sky high (yes, I know it has a ring to it right) then you can’t really afford monthly installment payments. Monthly installment payments are not really in the equation here because she can’t get approved for any conventional credit anyway. THAT is why she wants a payday loan for only 30 days. OK, I think I have just gone full circle on this.

So the final outcome of the loan application was positive – she was approved for the $1000 cash advance for the one month term, and she paid all of the agreed upon fees, as was outlined in the loan agreement with the lender. She managed to make sure the money was there in her chequing account when it came time for the PDL company to withdraw their principal back (and the fees – OF COURSE!)

So in this particular home in London, Ontario, Canada, a family had turkey with all the fixings, the Christmas tree, Christmas Carols, Christmas Stockings, and Christmas presents – NEVER forget the presents!

I know to some that getting a payday loan for a holiday season seems ludicrous, but this women has children, and the high interest she paid on the loan was WELL worth it for her. Maybe some people wouldn’t take out a payday loan for such a purpose, or EVER take out a payday loan, but in this case, I have to agree – I think it was well worth it.

Below is the breakdown of the fee cost and APR on this $100 PDL;

PDL Principal = $1000
Loan Term (length) = 28 days
Total Resulting Fees = $200
Effective APR = 260%

Ho Ho Ho!

Below is the actual applicant’s request questionnaire data;

Consumer Loan Submission = Total Loan Request: $1,000 direct lender payday loan, Credit Rating Fico: 543, Enter DTI Here: 0.67, City of Loan Request: London, Ontario, Country of Loan Request: Canada, Loan Purpose: Christmas Gifts, Loan Period: 30 days, Your Monthly Income: $2500, Time With Employer: 15 months, Your Employment Field: Compensation Specialist, Recent Pay Amount: $2500

Level of Urgency: Desperate, Visa Debt: $1,000, Total Liabilities: $800, Vehicle: Subaru Liberty, Existing Debt: $1,450

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33 Loan Requests

  1. sandra applied for the following loan:

    Loan: $2500.00

    Speed: as soon as possible

    Credit: no credit established. beacon score around 600

    Location: selkirk,manitoba,canada

    Income: Gross earnings- $ 1318.58 Net earnings- $ 1641.05 Child tax credit- $ 446.56 Child support. $ 443.00 *child support payments are in the final stages of being registered with the Manitoba Maintenance Program.

    Reason:

    Paying lawyer fees ($2000.00) to date to obtain child support (and providing for my family for the past year without child support)has put me behind with my bills.I would like to pay my bills up to date,pay any pending legal fees to finalize my child support case and any remaing amount would be used to give my children a christmas they deserve.

  2. iona applied for the following loan:

    Loan: 200

    Speed: now

    Credit: poor

    Location: waterville nb canada

    Income: 495 net paid weekly total 1980

    Reason:

    christmas for 4 kids

  3. tegnt applied for the following loan:

    Loan: 3000.00

    Speed: today or tomm

    Credit: poor

    Location: chatham, ontario

    Income: net pay 3900-4000 i am a registered nurse and work fulltime i have been at the same job for 5 years now

    Reason:

    car and house repairs, getting caught up on ALL my bills. keep a little money in bank for unexpected emergencies.

  4. Kandice applied for the following loan:

    Loan: $1000

    Speed: December 1st 2012

    Credit: unknown

    Location: Belleville, Ontario Canada

    Income: 1800 before tax 1400 post tax

    Reason:

    Afford Christmas for my children this year.

  5. Garrett applied for the following loan:

    Loan: 500

    Speed: asap

    Credit: i do not know

    Location: Belleville, Ontario Canada

    Income: 900 before tax 489 after tax

    Reason:

    pay overdue bills

  6. hilda applied for the following loan:

    Loan: 5000

    Speed: christmas/bills

    Credit: not good

    Location: yukon territory

    Income: 6842

    Reason:

    christmas
    bills throughout christmas

  7. Brodie applied for the following loan:

    Loan: $800

    Speed: As soon as possible

    Credit: Good

    Location: Clinton Ontario Canada

    Income: $2000-$2500 after taxes

    Reason:

    i need to pay bills as well buy Christmas gifts for my family

  8. sylvia applied for the following loan:

    Loan: 2000.00

    Speed: now

    Credit: not good

    Location: belleville ontario canada

    Income: 1800.00 in pension with spouse

    Reason:

    i desperately need this loan to get on my feet after being laid off from my parttime job and my car just died on i have no money to fix it.

  9. jessica applied for the following loan:

    Loan: 1000

    Speed: Right away

    Credit: not good

    Location: New Brunswick

    Income: 700 every 2 weeks and 963 monthly for child tax benefit.

    Reason:

    Personal, need help to have a Christmas for my kids.

  10. Teresa applied for the following loan:

    Loan: 5000

    Speed: ASAP

    Credit: Poor

    Location: Cambridge Ontario

    Income: $3000 per month. Have a union backed permanent position

    Reason:

    Pay off over due bills and provide Christmas for 3 children

  11. Alleasha applied for the following loan:

    Loan: 300.00

    Speed: Now

    Credit: Good

    Location: Kingston Ontario Canada

    Income: 1400 a month. 850.00 rent income 550.00 Child tax.

    Reason:

    I need this loan to get through the holidays, my son’s father just up and left for another and left me with nothing. I need it for my child.

  12. Renee applied for the following loan:

    Loan: $4000

    Speed: ASAP

    Credit: Poor

    Location: Alert Bay BC Canada

    Income: $1,316.70 before taxes $1,212.00 after taxes

    Reason:

    Fix breakes on my car and cheistmas for my kids

  13. rebeccca applied for the following loan:

    Loan: 1000

    Speed: rent and christmas

    Credit: poor

    Location: barrie canada

    Income: I get 911 monthly for child tax credit plus I get 650 every other week from unemployment

    Reason:

    I would like to be able to pay my rent and get my kids stuff for Christmas

  14. delane applied for the following loan:

    Loan: 2000

    Speed: christmas, pay off loan

    Credit: okay

    Location: kenora

    Income: net pay-1700 bi-weekly

    Reason:

    I wish to pay off an existing loan and have some extra money for christmas

  15. renarda applied for the following loan:

    Loan: 1000

    Speed: december 6, 2014

    Credit: 650

    Location: roseland la, unitied states

    Income: 2,800

    Reason:

    to Christmas shop for my family

  16. Cathy applied for the following loan:

    Loan: 1500.00

    Speed: ASAP

    Credit: 500

    Location: Brampton, ontario

    Income: I bring home 3800 after taxes per month. Spouse brings in 2400 per month

    Reason:

    For Christmas as all our extra income has gone to repair and rebuild our basement after a flood. Very very honest will pay back on terms offered

  17. Laurel applied for the following loan:

    Loan: 1000.00

    Speed: ASAP

    Credit: not sure

    Location: Mount Pearl, Newfoundland

    Income: 1672.00 Full time job 300.00 Part time job 282.00 Family Allowance 402.00 Child Support

    Reason:

    To Buy Chritsmas Gifts

  18. Laurel applied for the following loan:

    Loan: 1000.00

    Speed: ASAP

    Credit: Unsure

    Location: Mount Pearl Newfoundland

    Income: Bi-weekly pay 786.00 Family Allowance 282.00 Second job 300.00 Child Support 402.00

    Reason:

    Christmas Presents for my children as Its always tough this time of year for single parents.

  19. heather applied for the following loan:

    Loan: 2500

    Speed: bills and christmas

    Credit: low

    Location: peterborough

    Income: 2200

    Reason:

    i need a loan ..my credit is not that good im a single parent i have kids i work and i can pay back if the payments are in my working order i will hve no problem.

  20. dan applied for the following loan:

    Loan: 2500

    Speed: taxes,debt consolidation

    Credit: undischarged bankruptcy

    Location: canada

    Income: $700/week gross

    Reason:

    Pay taxes, lawyer, storage fees

  21. dan applied for the following loan:

    Loan: 2500

    Speed: taxes, storage fees

    Credit: undischarged bankrupt

    Location: canada

    Income: 700/week gross

    Reason:

    Pay taxes, storage fees,

  22. Sackiasie applied for the following loan:

    Loan: 2500.00

    Speed: Today

    Credit: Unsure

    Location: Clyde River, Nunavut, Canada

    Income: 1200.00/month sometimes more, and looking for a second job.

    Reason:

    Early Christmas shopping.

  23. second fiddle applied for the following loan:

    Loan: 600.00

    Speed: today

    Credit: poor

    Location: Thessalon, Ontario, Canada

    Income: 1950.00 employed, 490.00 child tax

    Reason:

    need to pay a bill

  24. hilda applied for the following loan:

    Loan: 2000

    Speed: christmas and auto insurance

    Credit: poor

    Location: mayo yukon territory, canada

    Income: 2500 bi weekly

    Reason:

    i need to pay for auto insurance plus christmas is around the corner and i have a big family that i would love to give too. thankyou.

  25. hilda applied for the following loan:

    Loan: 2000

    Speed: auto insurance and christmas

    Credit: poor

    Location: mayo yukon, canada

    Income: 2500 bi weekly

    Reason:

    insurance and christmas

  26. Tracey applied for the following loan:

    Loan: 3000.00

    Speed: now

    Credit: poor

    Location: cornwall, ontario

    Income: walmart 1250.00 per month

    Reason:

    pay full year car insurance
    pay off credit card
    and christmas

  27. Timika applied for the following loan:

    Loan: 350

    Speed: ASAP

    Credit: Not sure

    Location: Waterloo, Ontario Canada

    Income: Break down: End of the month payment:O.W-319.22 20th of the month payment:UCCB-320.00 CCTB-825.73 Payments between the 5th and 10th bi-monthly:GST-207.50 Monthly:71.73 all payments are made direct deposit to my chequeing account

    Reason:

    With the nicer weather coming around more my two girls and myself are in need of some summer clothing as they have grown out of about 80%of any clothing or footwear from last summer I recently lost some weight myself and find more of my wardrobe is falling off me and I’m trying to find more gainful employment and the ill fitting clothes doesn’t say professional

  28. Jorge applied for the following loan:

    Loan: 200

    Speed: 09/10/2016

    Credit: fair

    Location: Toronto, Ontario, Canada

    Income: ODSP 1200 Work 1500

    Reason:

    Holidays

  29. Lorne applied for the following loan:

    Loan: 20000

    Speed: now

    Credit: poor

    Location: Killarney,Manitoba,Canada

    Income: net income $2300 - $2500 wife income (self employed- home daycare)2015 earnings $7338

    Reason:

    pay off credit card debt, vehicle repair bill, monthly utilities and christmas

  30. Joel applied for the following loan:

    Loan: 7,500

    Speed: As soon as possible

    Credit: poor, not sure

    Location: Slave Lake, AB Canada

    Income: $8,400 (gross) monthly. Net income monthly thru full time employment is $5,900.

    Reason:

    Pay off the money I owed from friends and the remaining money from the approved loan will be used to buy stuffs for my kids and food in our table to celebrate Christmas. I ever my loan is approved, this will be the first Christmas in 5 years that I will definitely feel the spirit of Christmas.

  31. marvin applied for the following loan:

    Loan: 1000

    Speed: dec22.2016

    Credit: fair 652

    Location: calgary alberta,canada

    Income: 1834

    Reason:

    pay off some debt and xmas gifts

  32. stacey applied for the following loan:

    Loan: 300

    Speed: today or tomorrow

    Credit: poor

    Location: Embrun, Ontario

    Income: each month I receive the CCTB (Canada child tax benefit) of $1,048 and another monthly payment of $1,064 each month.

    Reason:

    my daughters Birthday is Sunday, Christmas Day and still need so much. this loan will save my Christmas!!

  33. Peggy applied for the following loan:

    Loan: 2000

    Speed: asap

    Credit: i think fair

    Location: Oshawa

    Income: ontario works $1097.29 Canada Pension $473.83 child tax $564.83 trillium $117.89 Total $2253.84 all direct deposit

    Reason:

    I am a little behind on my hydro bill and would also be used for Christmas for my @ boys. I am a single mom and this would be such a great help for me this year, Please and thank you.

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