Information on Loans

Unexpected things happen.  Everyone needs a little extra cash now and again.  

Most families live and spend up to their to income levels.  It’s not unusual to occasionally need a little help keeping life’s bills paid on time.  Community Quick Cash helps provide that extra $100-$500 families sometimes need to get through the week.

Links and Answer questions regarding Cash Advances and Payday Loans;

Visit Our Listings on Google:
Fenton  Pacific  De Soto  Sunset Hills

We always recommend having printed checks available,
You can find them cheap by clicking here:
www.Secure.ChecksInTheMail.com

Publications on Cash Advance and Payday Loans;

2012

Payday Loan Rates still preferable to bank fees  (New York Times)
A Professor of Economics & The argument in favor of payday lending
FDIC reports Overdraft fee rates over 1000%-3000%   (pg.5, item 9)
2013
Here’s What It Costs To Bank In The US Today   (Business Insider)
Meet the New Payday Loan Customer: Middle-Class, Well-Educated (TIME)
Payday Loan Common Sense-: Payday loan fees similar to credit card penalties (Montgomery Advisor)
Payday Lenders Providing a Valued Service: (Times-News)

2014

Poll: 80% of Payday Loan Borrowers Say Debt is Easy to Repay  (Personal Finance Hub)
What Good Are Payday Loans? (New Yorker)
The Surprising And Smart Reason to Love Payday Loans And Prepaid Debit Cards (Forbes)
Payday Loans Appeal a Wider Audience, Study Finds (Digital Journal)
New Study Finds Payday Loans Are Cheaper (Digital Journal)
Payday loans aren’t the problem. The problem is poverty. (Washington Post)
Payday loans prevent excessive costs of other options for customers- (Yahoo Finance)
Letter: Payday loans serve purpose 
Lawmakers criticize agencies over payday lending regs.  (The Hill)
Rhode.Island needs payday loans   (Providence Journal)
Limiting Choices hurts Families
Want more regulation for Payday Lenders? Be careful what you wish for (Dallas Morning News)
Turns Out That Payday-Loan Customers Are Pretty Savvy Borrowers (www.Pymnts.com/)
Overdrafts Are More Costly Than Payday Loans for Consumers | GOBankingRates
Researcher works at 2 lenders to find true dollar impact of Payday Loans, talks with real customers. (New York Times)
Are Check Cashers Really All That Bad? Comparison of fees to real world (www.Pymnts.com/)
Predatory journalism on payday loans and price controls,  (Washington Times)
New Study Results says Short-Term Borrowers Understand the Industry, likely to recommend to others. (PRWeb.com)

2015

Non-profit Group offers Payday Loans, finds they have to charge 250%+APR to break even.    (New York Times)

Columbia University study presented against common Payday Loan Detractor claim of harming borrow’s credit-
CFPB Director Cordray has no answers, just his philosophy guiding CFPB Payday Lending Action 
Rules threaten payday loans for low-income borrowers  (Detroit News)
One Shocking Stat Reveals How Close Most Americans Are to Financial Catastrophe  by @GregJKrieg
Common sense economic from actual experts on finance– “Why a 36% Cap Is Too Low for Small-Dollar Loans” (American Banker)
Do you need Bureaucrats to tell you when you can or can not borrow money? “The Run Amoks at the CFPB”|(Human Events)
Payday Loans APR Video: (CQC YouTube)
Florida congressman warns world without payday loans could disenfranchise the working poor  (Washington Times)

2016

Payday loans from one consumer’s perspective –  (Springfield Business Journal)
(Washington Free Beacon )
MOST RECENT ARTICLES-

Budget and Credit Counseling Links-

USA.Gov Guide to Credit Counseling
Federal Trade Commission Guide To Credit Counseling
Clear Point Credit Solutions

Temporary Financial Housing Assistance Links-

Urban League 314-388-9840
United Way  dial 211 (like 911)
Salvation Army 314-389-9302
Catholic Charities. 314-383-6589
Community Action Agency of Saint Louis 314-863-0015
Governors Council on Disability 800-877-8249
Shelter Plus Care  Dhm.mo.gov/housing
Missouri Statewide Independent Living Council  (573) 526-7039
Housing Resource Center 314-802-5444

Destinations for our Food Drive efforts:
AGAPE House-Pacific MO
Circle of Concern-Valley Park, MO

Charitable Groups we Support:
Saint Vincent DePaul Society