THE BLOG

20
May

Shocking Rise in Delinquency Rates: Why Car Title Loans Are the Ultimate Solution!

Start a consumer loan business

The New York Fed’s Quarterly Report on Household Debt and Credit for Q1 2024 uncovers a significant trend: credit card and auto loan delinquencies are on the rise across all age groups, signaling a growing financial distress among households.

Total household debt increased by $184 billion (1.1%), reaching $17.69 trillion, with mortgage balances up by $190 billion to $12.44 trillion.

Auto loan balances continued their upward trend, now at $1.62 trillion.

Despite a decrease in credit card balances by $14 billion, delinquency rates for both credit cards and auto loans increased, with 8.9% of credit card balances and 7.9% of auto loans transitioning into delinquency. 

These findings are crucial for understanding the current state of household debt and credit, and their implications for the financial industry.

For car title loan lenders, this presents a promising opportunity.

With traditional forms of credit showing increased default rates, consumers with limited credit options might find collateralized car title loans more appealing.

These loans, typically offered at a 25% to 40% loan-to-value ratio, provide a practical alternative for immediate financial relief without the stringent credit requirements of traditional loans.

As financial distress worsens, the demand for accessible, short-term credit solutions like car title loans is likely to grow, highlighting their potential in the current economic climate.

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15
May

Stand out on Google with a business listing, free of charge

Subprime Lenders: Best Tactics for Google My Business

How to Start a Payday Loan Business

Freddie’s GMB Mastery: Boosting Loan Volume Without Adding Staff

Once upon a time in the heart of Waco, Texas, there was a subprime lender named Freddie.

Freddie’s loan store, nestled on a bustling street, had always enjoyed modest success.

However, Freddie knew that to truly thrive, he needed to reach more customers who could benefit from his services, especially those facing sudden financial emergencies with limited options.

In the fall of last year, Freddie decided to revamp his Google My Business (GMB) profile, a decision that would pivot his business into a new realm of success.

He meticulously updated every section of his profile, from the business description, emphasizing his compassionate approach to lending, to uploading photos of his welcoming storefront and friendly team.

He even began actively responding to all reviews, fostering a positive community dialogue and building trust.

The changes Freddie implemented were simple yet strategic:

– Enhanced Visibility: By using specific keywords like “subprime loans Waco” and “emergency cash Waco,” he increased his local search rankings significantly.

– Engagement with Customers: Freddie regularly posted updates about new offers and insightful tips on managing finances, which kept his audience engaged and informed.

– Efficient Customer Interaction: The introduction of a booking button on his profile streamlined appointment scheduling, allowing potential clients to easily set up consultations.

By spring, these tweaks to his GMB profile led to a remarkable 22% increase in loan origination volume.

What made this growth even more impressive was that Freddie managed this uptick without the need to hire additional staff.

His existing team absorbed the increased workload efficiently, thanks to improved processes and the automated features provided by GMB.

This not only optimized operations but also kept overhead costs low, maximizing profitability.

Freddie’s story became one of legendary customer service and smart business practices in the Waco community.

His dedication to his clients and his savvy use of online tools turned his modest shop into a bustling hub for financial solutions, helping hundreds manage their financial challenges more effectively.

 Your Turn to Shine Like Freddie

Inspired by Freddie’s success?

Are you aware that the “Total Addressable Market [TAM] for lending money to strangers is PHENOMINAL?

50%+ of USA working adults live paycheck-to-paycheck!

40% of USA housholds earning $100,000+ live paycheck to paycheck!

You can replicate his achievements in your own subprime lending business.

Whether you’re just starting out or looking to enhance your existing operations, understanding the impact of a well-managed GMB profile is crucial.

For those eager to dive deeper, I invite you to invest in our 500-page eBook, “How to Loan Money to Strangers.”

This comprehensive guide is packed with industry insights, practical strategies, and real-world examples like Freddie’s to help you navigate the complex world of lending.

Alternatively, schedule a free 15-minute “Brainstorming Session” with me.

Let’s explore tailored strategies to boost your business’s visibility and efficiency, just like Freddie did.

Don’t miss this opportunity to transform your business.

With the right knowledge and tools, you too can achieve remarkable growth without stretching your resources thin.

Join me, and let’s make your business a success story!

How to Setup your GMB Profile

Subprime Lenders: Best Tactics for Google My Business

Introduction:

In today’s competitive landscape, subprime lenders operating storefronts can leverage Google My Business (GMB) to enhance visibility and attract more consumers facing sudden financial challenges.

This guide outlines effective strategies to optimize your GMB profile, helping your business stand out and effectively reach those in need of subprime lending services.

1. Claim and Verify Your Business Listing:
Ensure you claim and verify your GMB listing.

Verification is crucial as it lends credibility and allows you full access to edit and manage your information, respond to reviews, and add posts.

2. Complete Every Section of Your Profile:
Thoroughly fill out every section of your Google My Business profile. This includes:
– Accurate business name, address, and phone number (NAP consistency).
– Business hours, including special hours for holidays or events.
– Categories (choose “Loan Agency” or “Financial Institution” and any other relevant categories).
– Detailed description of services, focusing on keywords like “subprime loans,” “bad credit loans,” etc.

3. Utilize High-Quality Photos:
Upload high-quality images to make your listing more appealing. Include photos of:
– The storefront to help new customers locate your business.
– The interior to showcase a welcoming environment.
– Your staff to build trust and personal connection.
– Before and after images of paperwork or general process flow if applicable.

4. Encourage and Respond to Reviews:
Prompt your satisfied customers to leave positive reviews.

More importantly, respond to all reviews, whether positive or negative, in a professional manner.

This interaction shows potential customers that you value feedback and customer service.

5. Use Posts to Share Updates and Offers:
Regularly use the Posts feature on GMB to share business updates, promotions, and educational content.

For example, posts about understanding credit scores or the benefits of choosing your services can be very engaging.

6. Add FAQs and Q&A:
Preemptively answer common questions by adding a FAQ section.

Also, actively engage with the Questions and Answers section on your GMB listing.

This not only aids in transparency but also improves your SEO by integrating relevant keywords into your profile.

7. Utilize the Booking Button Feature:
If applicable, set up the Booking feature to let customers schedule appointments directly from your GMB listing. This is convenient for customers needing consultation for loan services.

8. Track Insights for Continuous Improvement:
Google provides valuable insights within your GMB dashboard. Use this data to understand how customers interact with your listing and what drives them to take action.

Adjust your tactics based on these insights to improve local SEO and attract more traffic.

Conclusion:
Optimizing your Google My Business listing is a powerful strategy to improve visibility and attract subprime borrowers to your storefront.

By providing comprehensive business details, engaging actively with customers, and continuously updating your profile, you can enhance your local SEO, build trust, and ultimately increase foot traffic to your store.

Stay proactive in managing your online presence to ensure you are the first choice for potential borrowers in your community.

4-WAYS I CAN HELP YOU!

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08
May

60% Can Barely Make Ends Meet: Unveiling America’s Paycheck-to-Paycheck Crisis

The “PYMNTS-New-Reality-Check-February-2024” report provides an in-depth look into U.S. consumers’ financial struggles and behaviors, particularly those living paycheck to paycheck. Below are the statistics highlighted in the report. [Link to Report below.]

NOTE:

While this “PYMNTS-New-Reality-Check-February-2024” report indicates that a segment of U.S. consumers remains somewhat optimistic about their financial futures despite economic pressures, I find this outlook overly optimistic, given the broader economic data.

For instance, from 2020 to 2024, food and beverage prices experienced an average annual inflation rate of 5.09%, significantly higher than the overall inflation rate, leading to a cumulative price increase of 21.95% over these years【source】. Such substantial increases in essential items like food highlight a more challenging economic environment than the report might suggest.

Furthermore, the housing market has seen dramatic price increases, primarily driven by low mortgage rates and a pandemic-induced demand surge, leading to a greater than 50% reduction in housing inventory since early 2020【source】. This housing price surge significantly contributes to the cost-of-living increases not fully captured by the general CPI inflation figures reported around 3-4% annually【source】.

These specific sector inflations in essential areas like food and housing suggest that the economic pressures on consumers are more severe than what may be reflected in broader inflation metrics or consumer optimism reported in the PYMNTS study. Therefore, it’s critical to consider these focused economic factors when evaluating consumer financial health and outlook, as they paint a more accurate picture of the challenges many Americans face trying to keep up with rising costs.

NOW, here are the statistics highlighted in the report:

1. Living Paycheck to Paycheck: As of December 2023, 60% of U.S. consumers lived paycheck to paycheck, a decrease from 64% in the previous year.

2. Struggling with Monthly Bills: In December 2023, 19% of consumers reported difficulties paying monthly bills, down from 24% in December 2022. This indicates a slight improvement in the financial situation of consumers, which could lead to increased consumer spending.

3. Economic Concerns: Despite a decrease in overall concern from the previous year, 83% of consumers remained worried about near-term economic conditions as of the end of 2023. This is a significant decrease from the 90% reported in 2022, indicating a slight improvement in consumer confidence.

4. Optimism about Personal Financial Situations: It’s noteworthy that a significant 39% of consumers felt optimistic about their financial futures, a figure that remained unchanged from December 2022, indicating a steady belief in better times ahead.

5. Expectations for Inflation and Wages:

   – More than half of the consumers expected inflation to increase in 2024.

   – Less than 40% of consumers anticipated real increases in their earnings for the year.

6. Savings Goals: Despite economic uncertainties, 58% of consumers hoped to manage their spending well enough to end 2024 with more savings than they started with.

7. Credit Standing Pessimism: Many consumers were pessimistic about their credit standing and expected interest rates to rise in 2024.

These statistics depict a consumer base that, despite being cautious about the economic future and facing real challenges with savings and expenses, demonstrates a remarkable resilience in managing their financial health amidst fluctuating economic conditions.

As financial analysts, policymakers, and business leaders in the subprime lending market, it is imperative that we proactively respond to the emerging trends indicating a substantial increase in new loan originations.

This surge necessitates our urgent preparation and innovation in product offerings, particularly through the development of unique, collateralized loan products like car title loans.

Furthermore, we must brace for heightened regulatory scrutiny, especially concerning APRs, to ensure compliance and maintain trust.

By understanding and adapting to these dynamics, we can enhance our service delivery and meet the evolving needs of our consumer base more effectively.

[Link to the original Report: Payments New Reality]

4-WAYS I CAN HELP YOU!

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30
Apr

Fintech Lenders “Don’t Need No Stinking Badges” Quo: Lender to the Masses

How to Loan Money to Strangers

Man, there are some serious new approaches to “The Business of Lending to the Masses” entering the marketplace.

I’ve previously broken down OneMain.comDave.com, and Earnin.com… and more on our Blog. Today, I point you to Quo.

Now if you’re “old school,” like I was back in the day, this will likely piss you off!

After all, to build your consumer loan business it’s likely you approached the launch of your payday loan business, your installment loan business, your car title loan business, your pawnshop business… whatever you choose to call it, and plodded through your state licensing process.

You then selected a loan management software provider, integrated with ACH and debit card providers, struggled to get a bank account opened… and on and on.

Just to get a State license can kill 30 – 90 days+.  Oh, you’re a Lender so let’s not forget to get your Bond! And your lawyer, your consumer loan contracts…

Of course, by collaborating with a federally recognized Native American Indian tribe you could get set up within 30 days and loan in 37+ States.

Why do I suspect the following Forbes piece will upset you?

Because these new Fintech Lenders “don’t need no stinking badges” – I mean licenses. [Shout out to Clint Eastwood in “The Good, the Bad and the Ugly.” Great movie and soundtrack!]

According to the Forbes article:

Quo relies on using AI to sort through a user’s financial transactions to understand their spending habits.

Once a user’s economic history is compiled and interpreted, the startup sends a debit card to the user for financial use.

The debit card allows access to two types of loans via a monthly subscription: $5.99/month for $400 at 5% APR or $9.99/month for $700 at 2% APR.

Those interest rates are dramatically lower compared to credit cards and payday loans.

The startup providing these loans via a small-monthly fee with borrower-friendly APRs reflects their mission of not wanting their users to be in debt.

Unlike the conventional credit business models, profit is not made by keeping users spending and perpetually in debt to pay interest, but by getting them out of debt to build savings.

These loans come with user-specified constraints, such as the money can only be used at merchants that are relevant to the purpose of the loan.

If someone is taking out the loan to make a car payment, then the user can only spend that money to pay off the vehicle for that month.

More importantly, if a user falls behind on their loan repayment, Quo is able to restructure the loan in real-time to adjust to a person’s immediate financial constraints.”

Read MORE here: Forbes

Shout out to the author of this piece on Forbes! Frederick Daso I write about college students and recent graduates founding startups.”

PS: Want to know how to jerry-rig and integrate all the “plug-n-play” platforms and services available today for launching a consumer lending company “on the cheap?”

Grab a copy of our “bible:” The Business of Lending to the Masses. Here’s the “Table of Contents.”

Or better, schedule a consultation with Me & my Team: Clarity.fm Scheduling.

Visit Jer’s LinkedIn Profile: LinkedIn

How to start a payday loan business, an installment loan business, a car title loan business...

4-WAYS I CAN HELP YOU!

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Brainstorm: Learn More

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24
Apr

Quick Cash Fix: We’re Buying Subprime Loans, and You Won’t Believe the Offer!

We are buying subprime loan portfolios

Exciting Opportunity for Investors! We’re Expanding Our Portfolio

Are you holding onto subprime loan portfolios and considering your next move?

We have exciting news for you!

Our team is actively looking to acquire subprime loan portfolios.

This is a fantastic opportunity for you to unload unwanted assets and capitalize on your investments.

Why Sell to Us?

-Competitive Offers: We provide fair pricing, tailored to the current market conditions.

– Smooth Transactions: Our experienced team ensures a straightforward and efficient process.

– Financial Flexibility: Free up capital and explore new investment opportunities.

Interested in learning more?

Contact us today to discuss how we can work together to achieve a win-win solution.

Don’t miss out on this chance to turn your portfolios into potential!

Reach out directly at TrihouseConsulting@gmail.com. We’re looking forward to connecting with you!

4-WAYS I CAN HELP YOU!

Grab a copy of our “bible:” Learn More

Brainstorm: Learn More

The Business of Lending: Learn More

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22
Apr

Why the Goeasy Ltd Model is the Future of Non-Prime Lending!

Goeasy Ltd. Reports Results for the Fourth Quarter and Full Year
& Announces Increase to Automotive Securitization Facility


Quarterly Loan Originations of $705 million, up 12% from $632 million

Loan Portfolio of $3.65 billion, up 30% from $2.79 billion

Quarterly Net Charge Off Rate of 8.8%, down 20 bps from 9.0%

Quarterly Diluted EPS of $4.34, up 154%;

Adjusted Quarterly Diluted EPS1 of $4.01, up 32% from $3.05

Annual Diluted EPS of $14.48, up 72%;

Adjusted Annual Diluted EPS1 of $14.21, up 23% from $11.55

Annual Dividend per Share Increased to $4.68, up 22% from $3.84

Let’s delve into Goeasy LTD’s March 2024 and Q4 2023 financial performance, key findings, background, and some insights based on the data available in these Goeasy documents.

Background and Overview:

Goeasy Ltd is a Canadian company specializing in offering high-interest loans to consumers who typically do not qualify for traditional bank loans.

Their services include both secured and unsecured consumer loans, with a strategic focus on underbanked or credit-challenged individuals.

Goeasy also leverages a network of retail locations alongside a robust online platform to service their loans.

Financial Performance Highlights

Q4 2023
– Revenue Growth: Goeasy reported a significant increase in revenue compared to Q4 2022, largely due to increased loan originations which reflect a continuing demand for non-prime consumer credit.
– Net Income: There was a notable improvement in net income, driven by better loan performance and cost management.
– Loan Book Quality: The loan book showed resilience with reduced delinquency rates, thanks to enhanced credit assessment techniques.

March 2024


– Annual Performance: The annual report reflects a sustained increase in revenue year-over-year, with a robust growth in both secured and unsecured loan portfolios.
– Operational Efficiency: Operating expenses as a percentage of revenue have decreased, indicating improved operational efficiency.
– Expansion: Goeasy has expanded its market reach by opening new branches and enhancing its digital platform to accommodate a broader demographic.

Key Takeaways


– Steady Growth: Goeasy Ltd has shown consistent financial growth, underscoring the effectiveness of their business model in the subprime lending market.
– Operational Resilience: Operational improvements have contributed to a lower cost structure, making the company more resilient against economic fluctuations.
– Credit Risk Management: Enhanced credit scoring and risk management practices have resulted in a healthier loan book with fewer delinquencies.

Strategic Insights


– Market Position: Goeasy’s focus on technology and customer service continues to solidify its position in the market as a preferred lender for non-prime consumers.
– Investment in Technology: Continuous investment in digital platforms is critical, especially to cater to the younger demographic and improve the customer loan management process.
– Regulatory Environment: Staying ahead of regulatory changes and maintaining a proactive approach towards compliance is vital for sustaining growth and mitigating risks.

Goeasy is likely to continue benefiting from the expanding market demand for alternative financing solutions.

However, they must remain vigilant about potential economic downturns that could affect their customer base’s ability to repay loans.

By harnessing advanced analytics for better risk assessment and exploring new market segments, Goeasy can potentially enhance its growth trajectory and profitability in the coming years.

The strategy should also include a strong focus on customer education and financial literacy to reduce default risks and foster customer loyalty.

Overall, Goeasy Ltd’s financial health appears robust, with effective strategies in place to navigate the challenges and opportunities of the subprime lending market.

21
Apr

How Lending to Strangers Can Become Your Most Profitable Venture Yet!

Lending Money to Strangers

Customer Referral Programs

Here’s an expansion on the idea of “Smart Referral Programs” for lenders, specifically focusing on providing excellent customer service and enhancing client engagement through various strategic actions:

 

1. Personalized Customer Service: By ensuring customer service representatives (CSRs) address clients by name, lenders can create a more personalized and welcoming environment. This practice not only fosters a sense of belonging but also increases customer loyalty and satisfaction.

 

2. Genuine Engagement: When CSRs display genuine care through smiling and proactively offering help, it significantly enhances the client experience. This approach should extend to clarifying doubts and providing explanations, further demonstrating the company’s commitment to its clients.

 

3. Incentives for Positive Reviews: Motivating CSRs with financial incentives for gathering positive reviews, such as $5 for every 5-star review, can drive better customer service while simultaneously enhancing the company’s reputation online.

 

Note that the Testimonial.to Platform offers an easy way for you to acquire 5 star reviews for virtually all social media platforms and your websites and Blogs!

 

4. Special Gestures of Appreciation: For example, covering a client’s payment as a gesture of goodwill when they have paid an equivalent of the principal in fees can be a powerful loyalty builder. This surprise act of kindness, which may cost $15-$25, is significantly less than the cost of acquiring a new customer, particularly when considering the lifetime value of a client which can be several thousand dollars.

 

5. Facilitating Convenient Payments: Enabling online payments for loans can significantly enhance convenience for clients, encouraging timely payments and reducing logistical barriers that might prevent on-time payment submission.

 

6. Upgrading Physical Spaces: Updating the lobby and other client-facing areas to be more welcoming and comfortable can make a significant positive impact on client perceptions and comfort, thereby enhancing the overall customer experience.

 

7. Empowering and Training CSRs: CSRs should be well-trained not only to handle queries effectively but also to be proactive in their customer interactions. This could include offering additional services or assistance that might benefit the client, thereby preemptively addressing potential issues or needs.

 

8. Implementing customer payment alerts via SMS and email significantly improves your customer payment transactions. Know that your customers dont really want to talk to you!

 

These strategies collectively enhance customer retention and satisfaction, creating a more favorable business environment and increasing the profitability of lending operations through repeat business and positive word-of-mouth.

Questions? Need help? Introductions? Brainstorm?

Reach out to Jer at : Jer@theBusinessOfLending.com

4-WAYS I CAN HELP YOU!

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02
Apr

Rethinking APR: The Misguided Metric Hurting Borrowers

APR Rates

Misconceptions Around Short-Term Loan Costs and the Ineffectiveness of APR

Understanding Short-Term, Small-Dollar Loan Expenses

Short-term, small-dollar loans, often misconstrued in cost discussions, have a straightforward expense structure for consumers: borrowing $100 typically incurs a flat fee of $15 until the next payday.

This model is transparent, with no hidden charges or escalating interest, ensuring that the repayment amount remains constant regardless of the repayment timeframe.

The Flawed Application of Annual Percentage Rate (APR)

Despite regulations mandating lenders to disclose fees as a dollar amount and an APR, the latter is inappropriate for short-term loans.

APR calculations assume the extension of a loan across a year, which misrepresents the actual usage pattern of these loans, often limited to a few weeks or months.

This is akin to comparing the cost of a daily parking space to an annual lease, distorting the true cost of short-term financial solutions.

The Disruption Caused by APR Caps

Attempts by some legislatures to introduce APR caps, essentially at 36%, severely hinder lenders’ ability to operate viably.

For instance, under such a cap, the fee on a $100 loan barely reaches $1.38, which is insufficient to cover operational costs, let alone allow for sustainable business practices.

Moreover, research indicates such caps drastically reduce loan accessibility for subprime borrowers, pushing the average loan size up and reducing the overall loan volume, contrary to consumer welfare.

The Real-World Implications of a 36% APR Cap

The imposition of a 36% APR cap not only fails to cover lenders’ operational costs but also reduces the availability of credit for consumers in dire need.

Historical data and modern analyses suggest that the costs and risks associated with small-dollar lending justify higher interest rates to maintain service accessibility.

Ironically, efforts to protect consumers by capping rates at 36% limit their access to essential financial services during emergencies, driving them towards less regulated or more costly alternatives.

A Call for Reevaluation

The ongoing debates and legislative efforts to cap APRs at 36% overlook the nuances of short-term, small-dollar lending.

A more nuanced approach, acknowledging the unique nature of these loans and the essential service they provide millions of Americans, is crucial.

Legislators and consumer advocates must reconsider the impact of stringent caps on the populations they aim to protect, ensuring that financial regulations foster consumer protection and access to necessary credit.

Ready to Brainstorm? Choose a day/time: LINK

Questions? Need help? Introductions?  Reach out to Jer at : TrihouseConsulting@gmail.com

4-WAYS I CAN HELP YOU!

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Brainstorm: Learn More

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27
Mar

Lending to the Masses: Referral Idea

Small Dollar Lending: Idea for Customer Referrals

To express appreciation for its clients and underscore continued support of their ongoing financial goals, BargainPaydayLoans.com has launched a customer referral program, awarding existing clients an impressive $110 per new customer referral. [NOTE: All-in, it’s common for lenders to spend as much as $180+ to fund a loan!]

Through the customer referral program, existing Bargain PaydayLoans clients are given a unique code that can be shared with friends and family members to access an online loan application. 

Fourteen to twenty-one days after the referral receives their funds, $110 is deposited into the client’s account on file with BargainPaydayLoans.com. The funds can be withdrawn as cash or used to pay loan balances down.

“Bargain Payday Loans means business, and our clients know we are always there to help them meet their financial goals. From unexpected medical costs to car accidents or other emergencies, we understand that life is not always a straight line, so we are committed to supporting our customers and the people they care about.”

“Through our groundbreaking customer referral program, we are excited to spread the word about our company’s unique roster of customized lending opportunities and reward our happy, loyal customers for referring their friends and family to us,” said Frank Waters, Vice President of Operations for BargainPaydayLoans.com.

About BargainPaydayLoans.com:

BargainPaydayLoans.com is a tribal lending company wholly owned by LeaningRockFinance.com Holding Company and its members, a sovereign nation in the United States of America. BargainPaydayLoans.com is dedicated to providing short-term financial solutions to Americans in need. 

Since its formation in 2018, BargainPaydayLoans.com has built a nationwide reputation for spearheading the industry’s most innovative financial products backed by a singular commitment to client service excellence. 

The company combines an unparalleled team of experienced and dedicated financial professionals with state-of-the-art online technologies to meet emergency financial needs successfully. 

In addition to its sought-after portfolio of loan choices, BargainPaydayLoans.com offers comprehensive customer loyalty and financial education programs expressly designed to help solve money challenges in the short term and improve clients’ lives in the long term. 

4-WAYS I CAN HELP YOU!

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