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Need QUICK CASH? Apply for a loan now with GREEN TOUCH and get up to $1500 dollars. Bad Credit is no issue! Get your loan now!

Online payday loans are small, short-term loans, that can provide you with a convenient source of funds when you need it most.

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How Payday Loans are used in the USA

How Payday Loans are used in the USA How Payday Loans are used in the USA

What is a Payday Loan?

Online instant payday loans are emergency loans which might also be called any of the following:

  • online loans
  • online cash advances
  • online payday advance
  • internet loan
  • paycheck advance
  • advance loans

All these names refer to very short term loans, online attainable, falling due on the recipient’s next payday. For this reason, they are generally not available to the unemployed.

After applications for payday loans online, direct lenders only need to assess borrowers’ ability to repay by considering their income, address, age, previous bad credit history and a few other factors. Payday loans are potentially very risky for lenders and to cover the uncertainty, the interest is often higher than loans from banks.

Green Touch offers other kinds of online cash loans: Installment loans  or title loans for customers who would like longer repayment periods and we also offer a merchant cash advance for companies which need short term funds.

For online payday loans, no credit check is generally required, but lenders may query various consumer databases, such as CL Verify, TeleTrack or DataX in order to verify your identity and review your past personal loan history. Another possible option would be to apply for a title loan, a pay advance which may not require a credit check.

Why Payday Loans?

Imagine your car has broken down and you can’t get to work resulting in loss of income or even loss of your job. Now imagine you don’t have a good relationship with a bank which will allow you to get an instant loan or overdraft. What should you do? A paydayloan is possibly the answer.

And How?

Via cell phone or PC, fill our 5-minute easy online application form.  The form will be submitted to multiple lenders who make an instant decision. Generally speaking, lenders know within a minute or two if they will issue the online loan to you. If accepted the funds will be transferred to your bank account, allowing you deal with your final emergency.

On your payday, the lender will take back the agreed pay day advance from your bank account. In the case of difficulty with your payment, some lenders will extend the duration of your loan up to approximately 5 weeks from the initial payment. Delayed repayment can result in an interesting spiral making the loan unaffordable, so you should consider this option carefully. Before making an online payday loan application consider how much you can afford to pay back.

If you find yourself in a situation where your debts are spiraling, you may want to consider Green Touch’s “rescue” payday loan consolidation which should result in lower costs going forward.

What kind of people take out Payday Loans?

Statistically, the largest group of payday loan borrowers are women from their 20’s to 40’s. Borrowers tend not to have attended higher education, are separated and earn below $39,000. Many payday applicants have bad credit ratings.

Often traditional lenders need security for a loan but payday loan lenders base their decisions more upon wages and as well as other factors.

Online cash advances are used for medical emergencies, heating repair, vehicle repair, rent bills, utility bills, overdrawn checking accounts, travel costs, funeral costs, creditors, obtaining further funds after credit cards reach their limit, or even posting bail.

What does it cost?

The amounts borrowed for paydayloans tend to be between $100 and $1000.  If you need more, apply for a lower interest installment loan. The  annual percentage rate ranges from 261% to 1304%  and is determined by the duration of the loan. Whilst these rates seem prohibitive over a year, in the case of a payday advance, loans are intended to be made for less than 60 days. if the loan is used responsibly and repaid at the next payday the interest charges can be reasonable considering the extra legwork and security one might have to put up to secure a traditional loan. The costs of the loan when used properly cover the risk of non payment and also the administrative costs of maintaining the loan.

Payday Loans in the United States?

At the time of writing pay day loans are allowed in 27 states with a further 9 allowing lending in one form or another and the remaining states have banned these loans altogether. Whilst government regulations are made to protect unwitting borrowers from themselves, banning such loans simply reduces the options available to borrowers. Many Americans say they are living paycheck to paycheck and are literally one unexpected setback from financial disaster. A quarter of Americans say they have no savings at all and their main aims are keeping up paying their current financial commitments.

Understandably with such statistics payday loans have exploded to meet the demand as there is often no one else to turn to in a time of need. In fact studies by the FDIC have shown that pay day loan fees are not out of line taking account the operating costs and high default rates. As a form of cash advance, payday loans serve as an important tool in the financial ecosystem when American borrowers have nowhere else to turn

At Green touch we are proud that we can help out so many people with a cash advance online. We are a responsible service and we inform borrowers of the potential pitfalls when taking cash loans. This means YOU are armed and well informed to make your own choices. Green Touch is not to be confused with Green Line Loans nor Greenline Loans, Green Loans, or any similarly named payday loans companies.

Things you should know

There are many ways in which people with malicious intention can take advantage of you and your need for instant cash. There are things that you should know and do to protect yourself. You should always ask for a license. It’s important to check this license when you’re looking into a cash advance online service as a licensed business must comply with state laws. You should also watch out for hidden fees and read the terms presented to you carefully before signing anything.

Make sure you’re in direct contact with a cash advance lender. It’s much easier to deal with a lending service if you can directly speak to representatives on the phone. It’s important to know that though there are many dubious lending companies out there, direct lender payday loans is a great service if you can find the right company with a track record of customer satisfaction and honest business conduct.

How to report a scam

You can report instant online loan scams to the Department of Consumer Affairs in your state. You can also report online loan companies to the federal Department of Consumer Affairs. However, it makes the most sense to have the state department consider the violation since lending laws are set at the state level. You should submit your report in writing and keep a copy of it for your personal record. You should have a response from the department verifying receipt of your report and an on-going investigation within a few weeks.


Eligibility for payday loans
As with other types of loan from other lenders, you need to meet certain criteria in order to qualify for a payday loan from Green Touch. You must typically:

a)    Be a US citizen
b)    Be 18 years or older
c)    Have a checking account with direct deposit eligibility
d)    Have held steady employment in recent months

The majority of cash advance lenders – including banks and other financial institutions – require these four criteria. A checking account that receives direct deposits is typically a requirement for online payday loans, as this is the way your loan will be paid to you. Proof of steady employment is usually required so that the online payday loan lenders are confident that you can repay your loan on time.


Benefits of payday loans
Millions of Americans are struggling with money troubles. Unemployment levels are high due to the recession and many of those who are employed live from one paycheck to the next. For those whose money barely stretches from one payday to another, internet payday loans could be the ideal solution. Benefits of a payday cash advance include:

1.    Borrow just the amount you need – You can take out a payday loan for just the amount you need and are able to pay back. For instance, if you need to pay $300 in  auto repairs, you don’t need a $3,000 loan from a bank. You can borrow just $300 from an online payday loan lender like Green Touch which offers cash loans online and be confident to pay loans back on time.
2.    Payback is quick and easy – It’s easy to set up a simple method of repayment for a payday loan. At the end of the quick and easy application process, you’ll be given a timeline for  repayment that usually fits in with the dates of your paychecks.
3.    No long-term agreements – Once you have repaid your loan in full, the transaction with the payday loan lender is over. This means your relationship with the cash lenders can be complete within weeks of applying and receiving your direct deposit into your bank, with no lingering obligations.

If you think a payday loan could help you, complete our online application for free today, or speak with one of our representatives to find out more by calling our toll-free number.


Popularity of online payday loans
A growing number of people are turning to online pay day loans because of their ease and convenience. They’re ideal for times when money is tight, as the applicant can receive the funds in their bank account within a day of completing the online payday loan application and being approved. Instead of going to speak to a lender in person, applicants can complete the entire process from the comfort of their home. With Green Touch, you don’t even need to fax any documents – the application can be completed in full as long as you have access to a computer and an internet connection. Once you have been approved, you will receive the amount of money you have chosen, your repayment schedule and details of any penalties or fees that may be incurred if you do not repay the loan on time.

How online payday loans can help

Get help with an online payday loan
A payday loan can help if you are struggling to pay your bills or are worried about coping until your next paycheck. Thousands of Americans rely on payday loans every single day, providing funds quickly and easily so that people can pay unexpected bills. Thanks to the arrival of online payday loans, the application process is simple. After entering a small amount of information, you will be told immediately if you have been approved. It’s up to you how much money you borrow. Get in touch today by calling our toll-free number and requesting a no-obligation consultation with one of our payday loan representatives.


Here’s how to get a payday loan

A payday loan can help if you are struggling to pay your bills or are worried about coping until your next paycheck. Thousands of Americans rely on payday loans every single day, providing funds quickly and easily so that people can pay unexpected bills. Thanks to the arrival of online payday loans, the application process is simple. After entering a small amount of information, you can get your payday advance online approved by a lender in as little as 5 minutes. Upon approval, you’ll be redirected to the lender’s website where you’ll have the opportunity to review the terms of the loan. If you decide to accept, you’ll e-sign for the loan at that point. Alternatively, you can call the number listed at the top of the page to apply for your payday loan.


Payday Loans March 27, 2015

Green Touch Addresses

5050 Quorum Drive Dallas, Texas 75254
18851 NE 29th Avenue Aventura, FL 33180