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Second Chance Loans - Great Solution For Your Cash Needs

payday loans could be your second chanceWe fully understand the struggle of finding loans in today's times.

Perhaps you're in need of some quick money to cover an unforeseen expense or emergency.

That's why we're here to help you.

We'll be showing you what we do to assist you in finding a second chance payday loan.

What is a Payday Loan?

In case you're unfamiliar with what a payday loan is, we'll break it down for you quickly.

Essentially, a payday loan is a smaller loan of $100-$1000.

You take it out, and when you receive your next paycheck, you pay it back.

Who Provides the Loans?

WithNoTeletrack does not provide you with the loans. Instead, our job is to find you a lender that will provide you with a loan.

All you must do is fill out one form stating your requested amount, name, as well as other personal and work information.

Once you've filled out and submitted your request, it's immediately sent out to a large group of lenders.

We work with the best and most reputable of both indirect and direct lenders.

These lenders review your application, and they decide if they will approve you or not.

The matching process takes anywhere from a few seconds to three minutes. The best part of this technique is that multiple lenders are reviewing your information at once.

This prevents you from having to drive around town in search of a loan. Just sit back and wait!

Then, if you are accepted by a lender, you will be transferred to that lender's site where you will complete the application there.

Will I Definitely Be Approved?

We cannot guarantee everyone will be approved for a loan. We will say, however, that your chances are much higher here of being approved. This is because you are being reviewed by multiple lenders at once instead of just one increasing your odds of approval. Also, some of the lenders can even skip teletrack and other credit checks, but there is no guarantees.

One of the main reasons we cannot guarantee approval is because every lender has different regulations and requirements. Some may approve you while some may not. We can only guarantee that the lenders will see and assess your application.

Also, bad credit does not Ñ„automatically disqualify you from approval either. There may be lenders out there that will still consider accepting you even if your credit is poor. This process allows people from all sorts of financial situations to receive the money that they need.

What Happens If I'm Approved?

As we stated briefly earlier, you'll immediately be transferred to the site of that lender.

Once on their site, you can look over the agreement that they proposed for you.

Remember, they consider risks and profits when writing up a proposal for you so the amount could be what you asked or less.

The next step falls on your shoulders.

You may then decide to accept the terms, or you have the option to refuse it.

If you refuse it, you may use our service again to find a different lender that more suits your needs.

If you choose to accept the loan they propose for you, the transaction will be completed on their site.

Typically, you'll see the money in your bank account within one business day though you could also receive it the same day.

Words of Wisdom

Our goal here is to help you find a lender that will loan you the money that you need.

However, we also don't want to see anybody continue to suffer financially.

That is why we want to provide you some quick tips on how to handle payday loans.

1) The first thing to consider is your budget along with your paycheck. When you take out a loan, lenders will want to be paid back with your next paycheck. If your next paycheck is only $500, don't try to loan $1,000. It'll only be more strenuous on your finances.

2) You want to be careful to not fall into the cycle of renewing loans. This is a very vicious cycle that will only worsen your credit and put more financial strain on you. We ask that you be smart with your borrowing and not bite off more than you can chew.


The most important part of payday loans is the portion "second chance." They are a chance for you to take care of your immediate needs and help out your finances at the same time by paying them back on time.

We've all been through tough times and needed some fast money.

That's why we're here, and that's why we put together this helpful guide for you.

With our easy process, you may be given a much higher chance of loan approval because of a larger audience of lenders.

What are you waiting for? Get started now and always remember to be smart with your money!

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Consumer Notice: Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Payday loans are not an effective way to solve such a problem, and may get one further in to debt. Federal and state laws cover certain types of lenders and loans, including short-term loans. Consumers are encouraged to research laws that may be applicable to payday loans, as well as ask their lenders for more information.

Availability: Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products.

The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.

APR Representative: APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.

Late Payment Implications: It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.

Non-payment Implications: Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers' credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.