Who in their Right Mind Takes Out a Payday Loan?

There are not many easy ways for people with bad credit and few assets to get cash quickly, but payday lenders are one of them. The business model for payday lending is remarkably simple. A person borrows a sum of money in exchange for an agreed deduction from a future paycheck plus a service charge usually around $15 per month for every $100 borrowed. Because the borrowing cost of payday loans is so exceedingly high – the annualized percentage rate (APR) is around 400% – it is often argued that payday lending is a scam that preys upon financially illiterate people.

In an interesting new paper Marianne Bertrand and Adair Morse of the University of Chicago report on a randomized experiment in cooperation with a major payday lender (remarkably) to examine the cognitive biases that may shape payday lending behavior.

In one set of treatments, the researchers experimentally manipulated the information disclosed to borrowers at the time they took out a loan. Some subjects received their cash in an ordinary envelope with a schedule for repayment printed on it. Others received an envelope printed with information intended to present information that dramatically reinforced the true cost of a payday loan. For example, one envelope was printed with a table that displayed the annualized cost of repaying a payday loan (APR over 400%) compared to other loans such as a credit card, a subprime mortgage, and an installment car loan (all with APRs under 20%). The authors find a reduction in future lending among subjects that received the information treatment envelopes – the largest estimated effect was around 11 percent reduced lending.

The authors conclude that payday borrowing behavior reflects cognitive biases. Although the exact psychological process leading to the cognitive error is not ascertainable from the experimental design, the results suggest that people would likely borrow less frequently from payday lenders if they were fully informed about the true cost of repayment. If they don’t borrow from payday lenders, it stands to reason they won’t be able to borrow from anywhere: The population that is borrowing from payday lenders is likely to be shut out of the conventional credit market. This might not be a huge problem if the lending was used to fund leisure spending or non-urgent spending, but plenty of payday borrowers need cash quickly to pay medical bills, repair a car, or pay for groceries. Better information would help to steer people away from obviously bad choices, but it does not help much when the payday lender is the least bad option.

About Brendan Saloner

I am a postdoctoral fellow at the University of Pennsylvania in the Robert Wood Johnson Health and Society Scholars Program. I completed a PhD in health policy at Harvard in 2012. My current research focuses on children's health, public programs, racial/ethnic disparities, and mental health. I am also interested in justice and health care.
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109 Responses to Who in their Right Mind Takes Out a Payday Loan?

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    My dear brothers and sisters, My name is Pastor Bryce Knorr. I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 3% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (trusted.ventures@yahoo.com) We applied for an unsecured loan of $100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS….GOD BLESS YOU ALL.

  37. Mr Jack martin says:

    we give out long term loans for one year to twenty years maximum.
    We offer the following kinds of loans and many more;

    * Personal Loans (Unsecured Loan)
    * Business Loans (Unsecured Loan)
    * Consolidation Loan
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    * Home Improvement.

    Please if you are delighted and interested in our financial offer, Do not
    Hesitate to contact us if urgently in need of our service as you will be required
    To furnish us with the following details to commence with the process of
    Your loan proceedings accordingly.

    Name’s:_______________________________
    Gender:_______________________________
    Marital status:_______________________
    Contact Address:______________________
    City/Zip code:________________________
    Country:______________________________
    Date of Birth:________________________
    Amount Needed as Loan:________________
    Loan Duration:________________________
    Monthly Income:_______________________
    Occupation:___________________________
    Purpose for Loan:_____________________
    Valid Phone No:_______________________

  38. I’m Christina Mills by name. I live in GERMANY, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Peter Jackson who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: peterjacksonloan@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Peter Jackson, i pray that God should give him long life.

    God bless him forever.

    Christina Mills

    Testimony on how i got my loan

  39. kenjones says:

    Hello everyone am here to testify how i got my loan from online loan
    after i applied several times from various loan lenders who
    claimed to also testify right in this forum,i thought the testimonies
    where real and i applied but they never gave me loan. I was in need of
    an urgent loan to start a business and i applied from various loan
    lenders who promised to help but they never gave me the loan .Until a
    friend of mine introduce me to online loan who promised to
    help me and indeed he did as he promised without any form of delay.I
    never thought there are still reliable loan lenders until i met online
    Loan ,who are indeed helped with the loan and changed my
    belief.I don’t know if you are in any way in need of a genuine and
    urgent loan,free feel to contact online loan via
    email {onlineloan2016@gmail.com}

  40. Alvarez says:

    Hello we a private loan company we give out or loans at a low interest rate of 3% if you need a loan please inbox us at alvareztejada177@outlook.com
    Thanks.

  41. lindasmith says:

    Hello Everyone, My name is lindasmith, I’m from carlifornia USA, i will like to talk about the goodness of God in my life after so many months of trying to get a loan via internet and was been scammed so i became desperate in getting a loan from a legit lender online. But as God would have it, i saw a comment from a friend sophia wilson and she talked about this legit loan company where she got her loan fast and easy without any stress so she introduced me to a man called Mr Ryan wyatt who controls a company called “CALVIN LARRY LENDERS “, So i applied for a loan sum of ($345,000.00USD) to start up a new business of my own with low interest rate of 2%, so the loan was approved and deposited into my bank account in less than 48hrs, that was how i was able to get my loan to keep my broken business running and also to pay off my bills so i am advising everyone of you who is interested in getting a loan fast and easy to kindly contact them via email: {calvinlarrylenders@gmail.com} get any kind of loan you need today, thanks as you read the greatest testimony of my life contact them today and be free from internet scam.

  42. sarahvaughn8400 says:

    I GOT MY CONSOLIDATION LOAN OF $850,000 FROM GLOBAL LOAN FUNDS COMPANY…

    Greeting to the the entire public. I am happily married with two kids.I came to this very site to advertise and share the good work of Saint Smith Loan Company for giving me a consolidation loan of $90,000…I have being declined every where,I went through a lot of process and being scammed by different loan companies that i came across but when i meant Global Compact Loan Funds they gave me a loan of $850,000 after paying their registration fee of $1000,I have being looking for a loan for the past 3months but after a week i came across Jerry Global Compact Loan Firm who uses this email address:(globalcompactloanfunds@gmail.com),then i got my loan,,This really made me to start life again after all the difficulties i had,tony was sent to me and i have a happy home again,I am here to use this medium to inform the general public that if you need a legit loan without any stress and same day approval,you will have to quickly contact them right away via email on:(globalcompactloanfunds@gmail.com)

  43. Affordable Loan With Low Interest Rate!!!!!!
    At Oceans Window Financial Services We offer loans at low interest rate of 2% and

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  44. Mr David says:

    Are you in need of a loan? i am Mr David here in United state , i was in need of a loan for the past 2 months now and also really been fooled by dose fool out there in the internet, if not the help of Mrs Mercy Lisa. i don’t know where i would have been now, please i kindly advise you my good people of America, if you are in need of a loan kindly email; MERCYLISA07@GMAIL.COM loan funds for help and there loan rate is 3% OK:

  45. Brent Collis says:

    Hello,

    I am Brent Collis by name, a citizen of USA and by the grace of Almighty God, i am a loan lender with 12 years experience who give out loan to individuals, firms and corporate bodies at an interest rate of 3%. If you need a loan for any purpose (LEGAL), contact us through email or phone number.

    EMAIL: brentcollis@gmail.com

    PHONE: 913-884-3954

    Text or Call and you will get a response back within 10 minutes.

    100% Satisfaction Guaranteed.

    Dr. Brent Collis.
    DOCTOR/LOAN OFFICER.

  46. Loiuce says:

    Hello Every One, I am Mrs Stanley Loiuse From Alaska U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,600 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Alvarez Tejada who is the C.E.O of Alvarez Tejada Loan Firm So i applied for a loan sum of (360,000.00USD) with low interest rate of 2%, And to my surprise the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: Tel:+447087662298 or (tejadaalvarezservice12@hotmail.com) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.
    anil.aria12@hotmail.com

  47. kurtz joey says:

    Good day Audience,
    I am kurtz,from spain, i want to use this
    great medium to announce this lending organisation (Rick campbell Merry Lending) loan company which is
    really a God sent to me and my family. few months back i was in
    search of a loan to finance my project in algeria. I searched from the internet where i was scammed of
    $3150.00,few months ago. i never thought i will ever apply for a loan on the
    internet again infact I swore never to! Until i met a testimony post about this lender made by
    one Maury who also got a loan from them, then i took a try
    again, after loan processing i was ask to provide my banking
    details which i did and to my greatest surprise i was granted
    a loan of $70,000.00 at first i thought it was a joke and didn’t want to be too happy based on how I got deceived before, until i got
    to the bank to confirm and it was true, omg I still remember that joyful moment i was overwhelmed
    with joy. so i want you all who desire a loan and are capable
    of paying back the funds at the due time in other to avoid the wrath of the law! to contact them now via email:rickcampbell1001@gmail.com.
    and be a partaker of my testimony!

  48. michael says:

    If you are really serious in getting a loan without been scamed, reach the RC merry lending organisation today via email. rickcampbell1001@gmail.com

  49. ehix norman says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    Kabir lamar, a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:
    ehixnorman@gmail.com

  50. ehix norman says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    Ehix norman, a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:ehixnorman@gmail.com

  51. kanyejohnson says:

    Hello,
    Do you need an urgent loan today?if yes then contact a God fearing and reliable lender via email at kanyejohnson@gmail.com

  52. MR JAMES TERRY says:

    Are you a business man or woman?
    Are you searching for a very genuine loan at an
    affordable interest rate processed within 2 of 5
    working days? Do you have a low credit score, and
    you are finding it difficult to obtain capital loan from
    local banks/other financial institutions? Worry no
    more here comes your opportunity… I am Mr
    james terry a private loan lender located in USA
    and i offer loan to individuals, firms and cooperate
    bodies for real estate and any kinds of business
    financing ranging from $5,000.00 Min. to
    $50,000,000.00 Max. at a 3% interest rate.
    AVAILABLE LOANS WE OFFER ARE;
    *Business Funding/Financing
    *Unsecured Loan
    *Commercial Loan
    *Debt consolidation Loan
    *Equity Loan
    *Personal Loan
    *Venture Capital Loan
    *Property Loan &
    *Mortgage Loan.
    Contact us today for a genuine loan via email:

  53. 3% LOAN OFFER APPLY NOW *

    You lose sleep at night looking for a loan?
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    Contact us today: meritlenders@yahoo.com
    Fill in the form to make your loan application:

    name:
    Country:
    Loan Amount needed:
    occupation:
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    Warm Regards
    Mrs. Karol Robinson

    524 N. GALLOWAY
    TEXAS,
    UNITED STATE OF AMERICA.
    © 2016 MERIT LENDING GROUP OF COMPANY

  54. rose anna says:

    Hello,
    This is to inform the general public that Mrs Rose Anna, a private loan lender has open up a financial opportunity for everyone in need of any financial help. We give out loan at 2% interest rate to individuals, firms and companies under a clear and understandable terms and condition. contact us today by e-mail at: (roseannamoore70@gmail.com)

  55. Culbatanna L says:

    Hello friends!!! My name is Mrs Culbatanna Moucata. i want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 3,800USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman who was also scammed and eventually got linked to a legit loan company called Johnson Loan Interest Purchaser Plc and email (johnsonkithendu007@gmail.com) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and to my shock I was given a loan amount of $120,000.00 Dollars by this great Company (Johnson Loan firm} managed by Mr Johnson Kithendua God fearing man and here i am today happy because this company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email: johnsonkithendu007@gmail.com he is kind hearten. i remain Mrs Culbatanna Moucata,

    Mrs Culbatanna Moucata

  56. Gulab Noor says:

    HELLO,
    Apply for a quick and convenient loan to pay off bills and to

    start a new financial project at the cheapest interest rate of

    2%. Do contact us today via
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    amount needed. Our minimum loan offer is $2,000.00 to

    $500,000,000.00USD . we are certified ,registered and legit

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    KINDLY FILL AND SUBMIT THE LOAN APPLICATION FORM BELOW:

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    (8)Marital Status:
    (9)Have you applied before:
    (10)Loan Purpose:

    Kind regards,
    G.N Craddock

  57. sandra says:

    Hello This is GET LOAN TODAY company, we offer all kind of loan so if you are in need of a loan, you have to contact this email Getloantoday3@gmail.com

  58. Danny Kent says:

    Hi,

    If you need a loan to consolidate your debt or to set up a business of your own, click on the link below to fill the borrower’s loan application form and we will get in touch with you immediately.

    http://dannykentloancompanyapplication.mw.lt/

    Thanks,
    Mr Danny Kent.
    CEO

  59. My name is Dennis Weaver a citizen of Australia. i have been scammed by 20 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 28930USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Robert Clark Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 20 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $300,000AUD by this great Company (ROBERT CLARK LOAN COMPANY} managed by Mr.Robert .M. Clark and here i am today happy because ROBERT CLARK LOAN COMPANY HAS GIVEN ME A LOAN so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact John Harrison loan company now for your loan via email: ( robert.clark071@gmail.com)

  60. Jason Will says:

    Are you financially squeezed?
    Do you need a loan without any Upfront Fee?
    Do you seek funds to pay off credits and debts
    Do you seek finance to set up your own business?
    Are you in need of private or business loans for various purposes?
    Do you seek loans to carry out large projects
    Do you seek funding for various other processes?
    If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out our loans at an interest rate of 3% .

    Interested Persons should contact me with this below details .

    LOAN APPLICATION FORM
    First name:
    Date of birth (yyyy-mm-dd):
    Loan Amount Needed:
    Duration:
    Occupation:
    Phone:
    Country:

    My contact email :jasonwillfinanceloanss@hotmail.com
    Note:that all mail must be sent to: jasonwillfinanceloanss@hotmail.com

    Thanks and God Bless .

    Jason Will

  61. Julie Benson says:

    Good everyone.
    Am here to share my testimony what a Good trusted lady did for me. My name is Mrs ,Julie Benson am from Dubai and I’m a mother of 3 kids and i lost my husband last year June 3rd and things where very hard for me and my children so when I was online to seek for a loan and i fall in the hands of scam, i was scam over $9,000.00 dollars, all my Husband access where taken away from us by his brothers, all hope was lost and i and my kids where sleeping in the street on till one faithful day when i met this friend of my who introduced me to this honest company who helped me get a loan in next 24 hours without any Daley, i will forever be grateful to Mr. Robet.M. Clark you can contact him now if you are in need of a loan via email:( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan.

    Thanks.

  62. Do you need a loan if yes contact us via. woodgatecredit@outlook.com. For more information.

  63. globalcredit says:

    Hello, i am a certified private loan lender, i offer loan to both companies, firms and individual for as low rate of 5%, have you been searching for a legitimate loan ? Here is where you can get any kind of loan you need, so for guarantee loan simply contact: globalcredit30@yahoo.com for more info..

  64. standaloan says:

    Loan offer without any advance payment if you are in interested contact us via sandaloan@yahoo.com only valid identity card is require for identification before the loan can be transfer to you.

  65. westlingservice says:

    We are private lending firm we offer loans at an interest rate of 3% for the kindly repayment period of 1 to 30yrs only ,so i offer out different types of loans ,loan such as Personal loan, Mortgage loan, Agricultural loan,Company loan, Business loan, Private and Public investor loan ranging from $30,000 – $10,000,000 so For info contact us now via email:westlingservice14@yahoo.com

  66. Hello we offer Loan, International Project Finance, Bank Guarantee and SBLC to both individuals and companies worldwide. Our interest rate is 3% per year.
    We also sponsor and finance all kinds of Projects locally and internationally. So if you have any good project and you need an investor just inform us immediately so that we can discuss, sign agreement and then sponsor or fund the project for you.
    Kindly contact us today for all your financial needs.

    Best Regards,
    Mrs. Lorayne Fritz
    E-mail: Rayolsonfinancialgroup@gmail.com

  67. Hi we offer loan, international projects and bank guarantee/SBLC financing to individuals and companies around the world. Our interest rate is 3% per year.
    Also sponsor and finance all types of local and international projects. So if you have any good project and need an investor only inform us immediately so that we can discuss, sign agreement then sponsor and fund the project for you.
    Kindly contact us today for all your financial needs.

    Best regards
    Ms. Lorayne Fritz
    Email: Rayolsonfinancialgroup@gmail.com

  68. Peter Luke says:

    Hello Every One, I am Mr Peter Luke From Texas U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Chun Kome who is the C.E.O of Chun Kome Loan Company So i applied for a loan sum of (500,000.00USD) with low interest rate of 3%, so the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(3) days the loan was deposited into my bank so i want to advice any one i need of a loan to quickly contact him via: ( chun.kome12@hotmail.com) call or SMS +447031941969) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

  69. Kelly Mike says:

    My name is Mr Mark Phillip a citizen of USA. i have been scammed by 6 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called KELLY HOME LOAN SERVICES (kellymike383@gmail.com) where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to cause me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $85,000 Dollars by this great Company (KELLY KOME LOAN SERVICES) managed by Mr John Michael and here i am today happy because KELLY HOME LOAN SERVICES has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact KELLY HOME LOAN SERVICES now for your loan via email:kellymike383@gmail.com
    CONTACT
    KELLY HOME LOAN SERVICES
    Email: kellymike383@gmail.com

    Hope you share your own testimony.

    Greetings.

  70. Frank Williams says:

    Hi,I’m Mr Frank and operate a private loan firm (Frank Williams Finance Company Ltd). I assist people with specialized financial needs. My rates of interest begin at 2% over prime. If you are looking for a loan to pay off credit card debt or for other household needs send me an E-mail:williamsfrank250@gmail.com on Hope to see your name on our clients record. We will give you a prompt Mr Frank Williams

  71. Do you need a loan to pay off your bills or to start a business of your own? we give out all kind of loan at interest rate of 3%, from the minimum of 5,000.00 usd to the maximum 100 million dollars, pounds, euros, If interested, Contact us via email: johnoneil945@gmail.com

  72. Mr Justice Outlaw says:

    Gets good generous money lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted

    that will give out loan for Any purposes, if you are really in need of a loan, just let me know the amount you need as a loan, and contact me via

    email address (standardlifeloanplc@gmail.com) For the plan of the loan processing and transfer to be spelled out.We issue of loan despite your

    condition and low credit score as our loan is also equivalent to issuing credit card as well.
    If you are faced with stress in the acquisition of a loan that make you .Have sleepless night? Or you have been disappointed by your bank? Did you

    need a personal loan to secure a home, car and evaluate the finances?

    Contact name: Mr . Justice Outlaw for his service is strictly for workers/those
    that do day to day work at least 20 hours and students charity.

    Note: We offer only Commercial /Small Business Administrative loans(SBA),
    Personal /Residential and Mortgage loan at 1.3% interest; apply for a Minimum
    of $500.00 to a Maximum of $50,000,000.00. Interested applicants should please
    contact Us via email: standardlifeloanplc@gmail.com

    Try and see your self, for our wonderful services that does not exceed 2
    Working days for loan processing and just only three (3 )hours of loan
    Transfer via bank/check/western; as the whole process is very easy!

    Upon your interested response you would be required to send down the following
    information’s:
    ======================================…
    FULL NAME:
    RESIDENT ADDRESS:
    COUNTRY:
    TEL:
    LOAN AMOUNT AND:
    DURATION:
    CELL/MOBILE PHONE:

    ======================================

  73. Aaron Mariana says:

    Apply for a loan at 2%, to pay off bills or start up business? Reply to this E-mail:edithnewtonfinancialservice@live.com for more Info.

    E-mail:edithnewtonfinancialservice@live.com

  74. Mrs Ella FLetcher says:

    Hello,
    Get your loan with us at 3% rate, fill the required details
    Name…. Loan Amount… Loan duration… Country… Tel#…

    Regards
    Mrs Ella FLetcher
    fundinghome@outlook.com

  75. nyala louise says:

    TESTIMONY ON HOW I GOT MY LOAN MIRACULOUSLY FROM
    CUSMOSE PHINA COMPANY
    Hello Everyone, I Nyala Louise a single mom from
    dudelange in Luxemburg, i will like to share this great
    testimony on how i got my loan from Cusmosephina Company
    when we were driven out of our home when i couldn’t pay
    my bills any more, After been scammed by various
    companies on line and have been denied a loan by my bank
    and some other credit union i visited. my children were
    taken by the foster care, i was all alone in the street. Until a
    day i shamefully walked into an old school mate who
    introduced me to Cusmose Company At first i told her that i
    am not ready to take any risk
    of requesting a loan on line any more, but she assured me
    that i will received my loan from them. On a second thought,
    due to my homelessness i took a trial and applied for the
    loan, luckily for me i received a loan of $5,000.00 from
    {Cusmosephina@outlook.com} ). Am happy i took the risk
    and applied for the loan. my kids have been given back to
    me and now i own a home and a business of my own. All
    gratitude goes to CUSMOSEPHINA COMPANY for giving a meaning
    to my life when i had lost all hope.
    Nyala Louise Muzala

  76. David Cole says:

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  77. wailliams sandra says:

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  78. Mr George says:

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  79. RCN CAPITAL LLC says:

    RCN Capital LLC” give’s you Great rates, fast processing, and flexible terms. Find out how these great options can help guide you to the best decision to meet your financial goals.

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    Contact:
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  80. Pelle Khan says:

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  81. FUNDREX FINCORP says:

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  82. infoledfordfunding says:

    I’m Jolene Hover by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Sir. Ledford Dallas who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: info.ledfordfunding@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Sir. Ledford Dallas i pray that God should give him long life.

    God bless him forever.

    Jolene Hover

  83. Best Place To Get A Solution To Your Financial Problems (globalconfinanciallimited@gmail.com)!!!

    My Name is McDonnell Kathleen, I live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life, As i am a struggling mum with two kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i ran to my father and he was not able to help me, then when i was browsing through yahoo answers and i came across a God fearing company (Global-Con Financial Service Limited) who provides loans at an affordable interest rate of 2.05% and i have been hearing about so many scams on the Internet mostly Africa, but at this my desperate situation, i had no choice than to give it an attempt due to the fact that the company is from United State of America, and surprisingly it was all like a dream, i received a loan of $80,000.00 USD and i payed for my husband surgery and thank GOD today he is OK and can walk, my family is happy and i said to myself that i will shout to the world the wonders this great and God fearing Woman Mrs Kumar Rashmi did for me and my family; so if anyone is in genuine and serious need of a loan do contact this GOD fearing woman via Email: ( globalconfinanciallimited@gmail.com)

  84. miloboute finance says:

    Hello my name is Harriet and I am shopping pharmaceuticals and note that at this moment I feel like the happiest in the world.
    I have a testimony of a loan that I board received thanks to MILOBOUTE FINANCE.
    I started the procedures with them last Tuesday night and yesterday morning I received confirmation that the transfer of the amount of my claim € 145,000 I been sent to my account and who viewed early-my account -Bank, to my surprise the transfer has arrived.
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  85. leroy says:

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  86. Franklore Credit Loan Firm says:

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    purpose? we are certified and legitimate and international licensed
    loan lender We offer loans to Business firms, companies and
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    independent financial institution. We have built up an excellent
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    thousands of our customers. We Offer guaranteed loan services of
    any amount to citizens and non-citizens we offer easy personal
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    loan lender We offer loans to Business firms, companies and
    individuals at an affordable interest rate of 3% , It might be a short
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    independent financial institution. We have built up an excellent
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    thousands of our customers. We Offer guaranteed loan services of
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  87. Ashely Kenneth king says:

    Get a legit loan from U.S.A, contact wesleyloanlender@yahoo.com

  88. Walker Brian says:

    Hello my name is Brian Walker , I want to let you all know that there are a lot of bad persons here trying to get our money and not giving us what we ask for, I was financially strained few months ago, I lost my parents 4 years ago, and after that I was desperately in need of a loan because of my education, bills and some other things, I almost gave up on my education until one of my friend directed me to Mr. Joseph Tyler, who lend me a loan of $85,000 under five days. So for those that are out there like me, If you are in need of any kind of loan just contact him now via: Josephtylerfirm@gmail.com, I’m saying all of these because of the hell I passed through in the hands of my former phony lender and you know what…… I don’t wish my haters to go through such hell that I went through in the hands of those phony online lenders. Please once you get your loan from Mr Joseph Tyler, also let others know, your friends, close ones. Mr Joseph Tyler is a blessing that God sent to me after all my relations couldn’t help me. May God continue to bless him.

  89. Best says:

    Are you looking for a real loan at 3%? Kindly reply to this email (fservice_help@live.com) with your full name, amount needed, duration yrs, mobile number.

  90. MRS.LAUREN TRAVIS says:

    Hello everyone!!!

    My name is MRS LAUREN TRAVIS A CITIZEN of USA. i have been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Sang Wai Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 3 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $85,000 Dollars by this great Company (Sang Wai Loan Company} managed by Mr.Sang Wai and here i am today happy because Sang Wai Loan Company has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Sang Wai Loan Cpmpany now for your loan via email:sangwai12123@gmail.com
    Thank You All For Your Understanding,

    MRS.LAUREN TRAVIS

  91. Owen says:

    Hello my name is Owen, am saying this because there are scammers everywhere. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Joseph who lend me an unsecured loan of $85,000 under Two days without any stress. If you are in need of any kind of loan just contact him now via: Josephtylerfirm@gmail.com, I’m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Joseph , i pray that God should give him long life. God bless him forever.

  92. Leonard says:

    I am Leonard Adams, currently living in United States, Nebraska. I am a widower at the moment with two kids and i was stuck in a financial situation and i needed to
    refinance and take care of my children. But as God would have it, i was introduced to JOSEPH TYLER FIRM by a friend of mine, whom is Brian Walker where i was given a loan at a very low interest rate to start up a business. I would advice anyone seeking for loan to contact the firm via: Josephtylerfirm@gmail.com

  93. Mr Thomas says:

    Hello To You All

    I was searching for a blank card to change my life for the best but it all turn out to be a nightmare after being scammed by several fake hackers. I was more in deep debts that i could have ever imagine, that i cant put food on my kids table. One Sunday morning, i was in Facebook chatting with my niece and i cam across different people making comment on this email{myatmcreditcard@yahoo.com} stating how they got the card from them, so i tried to google the email and i saw different comments of his grate work of giving out a blank card so i didn’t hesitate i gave them a last try by contacting them and they told me what to do and how much to pay for the card, i decline because i have been scammed many times but they guaranteed me that if i don’t get my card that the fee will be refunded and to greatest surprise ever and still seems like a dream is when i got the blank card delivered to me and soon i shall be getting a home for my self after i withdrawn the total amount of $17 Million United State Dollars. Thus they guaranteed me that the card wont stop working {curious} and i pray it doesn’t {Lol} Its make me so speechless anytime i’m making a withdrawal of how these is still possible. All thanks to Mrs Janica from USA for making me who i am today and am so so rich now and money is not my problem again in life,so if you need one email MRS JANICA from USA,there can still do yours for believe me..{myatmcreditcard@yahoo.com}

  94. GOOD DAY TO YOU ALL,

    Am here to tell you the help Mrs Janica from USA did for me and my family ,she make me who i am today when i was very poor and she can still do it for you.

    DID YOU NEED A BLANK CARD THAT HAS ACCESS TO HACK INTO AN ATM MACHINE WITHOUT BEEN CAUGHT? if yes you do need, EMAIL Mrs Janica fast now to get us : myatmcreditcard@yahoo.com … I got my already program ATM when I was searching for jobs on the Internet… At this time I was totally hopeless, confused and all I think was to kill my self…I have been scammed so many times when I wanted a loan to start up a business and feed my self and my kids… with the help of this card I withdraw the sum of $5000 usd DAILY… And all the debts, bills and taxes were cleared in just a clink… It is 60% faster and easier than the bank ATM in use…It is untraceable, undetectable, and it is program in such a way it works on both advance and old ATM machine anywhere in the world… And money is withdrew unlimited but need software upgrade every year ending…I am so happy about this because i got mine last week and I have used it to get $100,000. (Mrs Janica) is giving out the card just to help the poor and the needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards and note that she will not ask you for your bank details, never. get yours from her. Just send her an email On (myatmcreditcard@yahoo.com )She have done it for me and my family and she can still do it for you all you need do just email her now and go on with what she ask you to do and believe me and trust me you will be one of the richest person in your country and believe me that once you have getting one from her money will not be your problem again in life.

    Once again all thanks to you Mrs Janica for making me who i am today and may God will be adding blessing into your life everyday for helping people to be come rich.

    THANKS

    Mrs JANICA.

  95. Walker says:

    Hello my name is Brian Walker , God has favour me, I want to let you all know that there are a lot of bad persons here trying to get our money and not giving us what we ask for, I was financially strained few months ago, I lost my parents 4 years ago, and after that I was desperately in need of a loan because of my education, bills and some other things, I almost gave up on my education until one of my friend directed me to Mr. Joseph Tyler, who lend me a loan of $85,000 under five days. So for those that are out there like me, If you are in need of any kind of loan just contact him now via: Josephtylerfirm@gmail.com, I’m saying all of these because of the hell I passed through in the hands of my former phony lender and you know what…… I don’t wish my haters to go through such hell that I went through in the hands of those phony online lenders. Please once you get your loan from Mr Joseph Tyler, also let others know, your friends, close ones. Mr Joseph Tyler is a blessing that God sent to me after all my relations couldn’t help me. May God continue to bless him

  96. Karen Kesby says:

    I’m Karen Kesby by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Peter Jackson who lend me an unsecured loan of $95,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: peterjacksonloan@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Peter Jackson, i pray that God should give him long life.

    God bless him forever.

    Karen Kesby

    Testimony on how i got my loan

  97. Do you need easy qualifying Business or personal loans from $3,000 –
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  98. Angela says:

    Hello every one please i quickly want to use this medium to shear a testimony on how God directed me to a real loan lender who have transformed my life from grass to grace, from being poor to a rich man who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $3,800 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains,then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion he told me about a man called Mr Chis Melvin who is the CEO CHRIS MELVIN LOAN COMPANY So i applied for a loan sum of ($75,000.00) with low interest rate the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two (2) days the loan was deposited into my bank account,i thought it was a joke until i received a call from my bank that my account have been credited with $75,000.00. I became so happy that finally god have answered my prayers by directing me to a real loan lender who was able to grant my heart desires. big thanks to Mr Chris for making life reasonable for me so i am advising everybody who is interested in getting a loan to kindly contact him via email (chrismelvinhelp15@gmail.com) that was how i was able to get my loan,and was finally able to pay off my bills. So thanks as you took out time to read about my success story.

  99. Globalcreditservice says:

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  100. tom ford says:

    This is the opportunity you have been searching for to obtain an easy qualifying business or personal project finance this season. I am Noah Blackstein financier associates and i am specialized in project finance for individuals, companies, business and organization. If interested contact us via email : tominvestments0@gmail.com

  101. Mr ken says:

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  102. losianservices says:

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  103. emilia whyte says:

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  104. JEFF CHANDLER says:

    Hello friends!!! My name is Jeff Chandler. I want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. I lost my hard earn money and it was a total of 4,560,000USD. One day I was browsing through the internet looking frustrated when I came across a testimony of a woman who was also scammed and eventually got linked to a legit loan company called Mark Benson’s Loan Company and email (M_BENSON27@YAHOO.COM) where she finally got her loan, so I decided to contact the same loan company and then told them my story on how I have been scammed by 3 different lenders who did nothing but to cause me more pain. I explain to the company by mail and all they told me was to cry no more because I will get my loan in their company and also I have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest astonishment I was given a loan amount of $60,000.00 US Dollars by this great Company (Mark Benson’s Loan Company} managed by Mr Mark Benson a God fearing man and here I am today happy because this company has given me a loan so I made a vow to my self that I will keep testifying on the internet on how I got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via email: M_BENSON27@YAHOO.COM.

    He is kind hearten.

    I remain Jeff Chandler…………

  105. Mark Benson says:

    Do you need an urgent loan to pay your bill, start up a business, mortgage, buy a car or in any financial situation? You do not have to worry any more just contact us today. We offer loan at a very low rate of 2%. So quick, so easy.. Contact us with this Email: m_benson27@yahoo.com

    Note => We respond to messages very fast and serves our customers to satisfactory…

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