Yep. It's that time of year already... Whether you've got your first kindergartener and you're starting from scratch, or you have a senior in high school begging for a car and some new clothes, or you've got a child just getting into college... The end of the summer usually means the pocketbook starts to hurt just a little bit more.

Let's be honest, no matter how old you were, you had to be in top form when school came back in session. How many of us don't remember getting a new haircut, a few new shirts, maybe a new pair of jeans to go along with the standard school supplies? (As a child of the 80s, for me it was an awesome new trapper keeper and a Fraggle Rock lunch box.)

You weren't cool unless you had one of these.

The first day of school was your number one opportunity to show off and establish yourself as one of the "cool kids." (full disclosure, I wasn't one of the cool kids, but that didn't mean I didn't beg my mom for all sorts of stuff we couldn't afford.)

The economy may be down, but the rules of the playground haven't changed, and the amount of money parents are spending on their kids on back to school shopping reflect that very fact.

According to a study by the National Retail Foundation the money being spent on back to school supplies, clothes and electronics is higher than ever. In 2010 the average American family will spend $606.40 to get their children K-12 ready for school, and despite the lagging economy, this number is up significantly from the 2009 average of $548.72, and surpasses even the $594.24 we saw in 2008.

For many families, this could spell disaster.

According to the study, the combined K-12 and college back to school spending this year will reach $55.12 billion, making it the second highest "holiday" spending event of the year, only behind the Winter Holidays (and eclipsing the $14.6 billion we spend on the 3rd highest spending event of the year - Mother's Day... Interestingly enough, we spent $3.44 billion on St. Patrick's day... Which is more green dye and shamrock shakes than I care to imagine.) While this may be great news for the economy, it can be bad news for parents who are stuck in a bind... December may be the giant when it comes to family spending, but September isn't generally quite as planned for. Far too many families find themselves stuck in a situation where their kids from elementary school to college need supplies, clothes, and/or electronics, and they simply do not know how to pay for it. According to the NRF study, parents are trying solutions from thrift stores to shopping online to save money, but even with these solutions, we'll be spending more this year than ever. Talk to us about cash loans, and don't get stuck in a situation where you bury yourself financially or get trapped in a payday loan to help get your kids ready for school.

Please give us a call and we'd be more than happy to look at some options that will make both you and your kids happy, and get the school season started with the least amount of tears as possible (we can't promise the kids will be happy to go back to school, only that we can help you get them a little less sad.)

Who knows, for the right offer I might even be able to throw in a lightly used Fraggle Rock lunchbox... I can't promise anything though.

Wait, what? A cash loan that pays me? Isn't that like, the opposite of what a cash loan is supposed to be?

Don't worry. I completely understand why that notion might be really confusing. I mean, in the payday loan industry, we've been taught time and time again that the number one goal of most companies is to trap their customer in an endless loop of fees and charges.

We've got a much different philosophy.

Not only do we want to help free you from those payday loan mazes, but once you have a loan with Progressive Payoff, we will give you a quick and easy $100 cash every time you refer someone you know who needs some fast cash, and takes out a loan as well.

It can't be that simple, can it?

It sure can. You can read more about the referral program here, but in a nutshell this is all you'd need to do:

-Be a Progressive Payoff Customer

-Print off a Referral Application

-Have someone you know fill out the application and fax or email it in along with:

• Their last 90 day bank statement (online statements are okay)
• A current pay stub
• A Voided check
• Their photo ID

Make sure they put your name on their application, and once their loan has been approved and funded, that's $100 in your bank account. Just like that.

How many referrals can I get paid for?

As many as you want! You can pay your entire cash loan off with referrals, you can make more money than you borrowed in the first place! Just as an example: we have a Progressive Payoff customer right now who has currently referred 11 people (and counting). That's $1,100 she's been paid. No strings attached whatsoever. She started out with borrowing money with a cash loan, and she's ended up making money!

Can someone I refer get paid for referring people as well?

Absolutely. They're eligible for the $100 referral bonus, their referrals are eligible, and so on. Any customer of Progressive Payoff is able to participate.

Ummmm... I still don't believe you. This sounds like one of those "too good to be true" deals.

Yeah, the internet is lousy with deposed Nigerian princes and family fortunes with no heirs - so don't hesitate to check out our website, or give us a phone call at 866-319-0290 and talk to us about our referral program. We'd be happy to answer any questions you have.

Quick Cash!

Easy Payday Loans!

Get money right now!

Boy... When you're looking for a small personal loan online, it sure feels like you're constantly being inundated by fantastic claims about getting money fast and easy, doesn't it? Website after website will throw blinking logos and flashy headlines at you, making promise after promise, but when the time comes to see how the loan really works, good luck! You're looking at a long stretch of digging through page after page of jargon in order to figure out what this loan actually means for you.

Obviously these payday loan websites do this for a reason. Just as with any trap, they lay out some appealing easy to get bait, hoping that we all lose track of our surroundings and go charging headlong into the trap, unaware of the consequences until it's far too late. This is why a 6 month loan like our progressive payoff cash loans are such a safer option. Anyone is welcome to view our page breaking down exactly how the loan works, or check out our cash loan calculator to see how much money can be saved. Not only that, but we're more than happy to tell you exactly how much you'll be paying every month.  We make sure that your cash loan is structured for you to be able to pay if off in 6 months without any confusing fees or rules. It's really just as simple as 6 monthly payments, and then the loan is paid off! If you want to make extra payments or pay the loan off early? Feel free! We won't penalize or charge you for doing so.

So beware any website or payday loan company who hides behind confusing rules, or unclear payment options.

Feel free to email us, give us a call, or ask any questions you might have right here on the blog and we'll be more than happy to show you exactly how much money you can save.

I feel like I've seen this question a lot lately. Should I get a cash loan to pay off my payday loan? Can I do it? Etc...

Short answer: yes. To all of the above, yes.

Long answer? Still yes. In all honesty, doing whatever you can to pay off your payday loan asap is absolutely the right move to make, and replacing the maze of a high fee payday loan with a simple cash loan will help you do just that. Apply for a cash loan today, and get your payday loan paid off tomorrow! It's honestly that simple. Don't hesitate to give us a call or email us with any questions about the process of getting a cash loan through Progressive Payoff. Feel free to read about how it works on our website as well.

It's far too easy to just slip into the rhythm of paying those payday loan payments without paying attention to where those payments are going, then before you know it, realizing you've payed thousands of dollars on your $400-500 loan. Go ahead and take a look at our loan terms or use our cash loan vs payday loan calculator, to see exactly why letting us help you pay off your payday loan with a cash loan is your ticket out of the payday loan labyrinth.

In my previous post, I talked real qiuckly about some of the pitfalls about payday loans, but I wanted to take a moment to share just a few further reasons how a cash loan through Progressive Payoff can save you money and heartache.

- Applying from home: let's be honest here, payday loan locations aren't exactly the merriest establishments on the block. With Progressive Payoff, all you'd need is either a fax machine or an email address and you're on your way. No need to go into a payday loan center, and feel trapped into taking out a loan with incredibly high fees. Just go to our website at http://progpayoff.com/ and apply for a cash loan online - then we'll help you take care of the rest!

-Saving yourself from payday loan traps: In my last post, I talked about the 2 week fee cycle that payday loans use to ensnare you into a never ending cycle of payments, and just like I wrote then, all you'll have to worry about with a cash loan through Progressive Payoff is monthly payments that will go towards your principle every time. No intrest only payments to keep you tied down with no end in sight.

-Refer a friend, get 100 bucks: Hold up. A cash loan company paying you $100? Yep, as a Progressive Payoff customer, you'd be able to participate in our easy (and profitable!) referral program. All you'd need to do is print off our referral application and pass it off to a friend, family member, co-worker, and anyone you know who needs some quick cash, is considering a cash loan or payday loan, or who is trapped in a payday loan and needs help getting out. Once their approved and their loan is funded, you get $100 in your account! Easy as pie. Shoot, you could pay off your entire loan through the referral program!

-No early payoff fees: If you want to pay your loan off as quickly as possible, who are we to tell you no? We want you to save money by paying it off quicker, so feel free to make extra payments, pay the loan off early, do whatever you need to pay your loan off. You won't be penalized.

-Peace of mind: Yeah, that may sound a bit clichéd, but let's be honest here. Sometimes we need cash, and we need it quickly. Emergencies happen. Tough times happen. And the last thing we need to worry about when we're in a bind is the stress that high fee payday loans bring with them.

Have questions? Don't hesitate to give us a call at 866-319-0290 or email us at info@progpayoff.com - we'd be happy to help you with any questions you have.

I've heard this question a lot lately, especially in this economy. The sheer fact is that there are a lot of people out there who need help financially, and they just don't know where else to find it. Payday Loans appear to be a simple and quick solution to your problems. And when you're in a situation where you need cash, and you need it quick, it can easily appear to be a saving oasis - however, all too often you'll just find yourself stranded in a desert with no relief in sight. So what other options do I have?

I looked online and read a lot of great articles, with a lot of sound financial advice. However, I felt like if I put myself in the shoes of someone who was truly in need of immediate financial aid, a lot of these tips and suggestions wouldn't have really been able to pull me out of a dire situation without months of pre-planning. So what about those of us who are looking for payday loans or need cash now? Is a payday loan really the only option out there?

Obviously, the point of this entire article is to tell you that you don't need to get stuck in a never-ending cycle of payday loans. I found story after story of people who had gotten a payday loan for as little as $200 and found themselves unable to get out from under the weight of their loan. One guy shared a story about taking out a $300 payday loan he was convinced would be paid off by his next paycheck. When his next pay cycle hit and his check wasn't quite as high as he had expected, he was desperate to pay off his loan to avoid an additional $70+ fee, so he simply went and got another payday loan to pay off that loan. Just a few months later he had taken out 9 payday loans and faced numerous fees and penalties. What started out as a simple $300 loan had transformed into over $1,000 and served as a financial trap.

So what does Progressive Payoff do that's so different? We're not looking to trap you, we're looking to help you pay your loan off. With a simple 6 month loan, you're able to pay off your loan in easy monthly payments. The guy from the story above was desperate to avoid the high bi-weekly fees that payday loans trap you with, but with a Progressive Payoff loan instead of staring down the barrel of paying somewhere around $370 within two weeks, he would have just had easy monthly payments to make for 6 months - paying a total of $453 - not over $1,000.

Check out our calculator at http://progpayoff.com/ and see how much you can save. Have questions about how our cash loans work, or want to hear more about how we can save you from a payday loan trap? Contact us here.

Start 2010 off Right!

A new year brings the opportunity for new goals and new beginnings.  Make it a goal to avoid payday loans in 2010, and if you are already caught in one, to get out of it! Progressive Payoff can help you with both.  We not only offer the best alternative to  payday loans, we can also help you get out of the payday loan you are currently trapped in.  Representatives at Progressive Payoff are well aware that, to many of our consumers, payday loans are a secondary income and necessary to support a household.  We hate to see clients throwing away hundreds of dollars on a single payday loan, as a result, we do everything we can to steer our clients as far from payday loans as possible.   If you currently have a payday loan and are looking for a way to get out of it give us a call.  Be prepared with your total payoff to buyout of your payday loan, also know the amount you are paying every other week in renewal fees so we can get you your money by the next business day. Progressive Payoff will try to have you out of your payday loan within a few days! You will be free of cash loans in no time!

Give Progressive Payoff a call today!

Welcome to Progressive Payoff! When our borrower’s apply for a loan, they will not have to provide any information for a credit check. This allows our borrower’s to quickly get the cash they need for unexpected events. Through Progressive Payoff, our goal is to provide our borrower’s with an honest alternative to Payday loans. Our borrower’s need to know, we at Progressive Payoff, are sincerely dedicated to helping you pay off your loan.  Progressive Payoff has over 15 years of experience in alternative financing. This means, we are able to offer our borrowers, past, present and future, quick and easy personal cash loans, while avoiding the trap of a payday loans.

If you are sick of your Payday Loan and want to start saving now, check us out today at http://www.progpayoff.com/. Be sure to mention you saw our blog and we will cut $25.00 off your first loan.

As today's economy becomes less reliable and unstable, a lot of Americans have had to look for other financial sources. Many Americans, while still in the workforce, have had to apply for small personal loans through alternative lending companies. These Americans turn to payday loan companies. Sadly, these payday loan companies get their borrowers deeper in financial debt than before. If borrowers are looking for a lending company which will not get them deeper in debt, they will first and foremost look at and apply to the Progressive Payoff lending company. Progressive Payoff is not looking to keep their borrowers in debt, ever. In fact, their goal is to keep their borrowers out of debt, while allowing their borrowers to pay their car payments, health bills or whatever pressing financial situation they find themselves in.

Many borrowers do not read the fine print of their lending agreement. Borrowers need to know that the average payday loan lender charges an APR (annual percentage rate) of 400% and a bi-weekly renewal fees of $20 per every $100 borrowed. When a borrower is looking to borrower $500 from a typical payday loan company, they would have a renewal fee of $17.50 per $100. This money would have to be paid back within two weeks. Within two weeks, the borrower would, in total, have to pay back a total $587.50. Now, this might not sound bad to you, but did you realize you would be paying $6.25 a day simply for interest! Just in case the contract was not read in full, the borrower is also demanded to pay the lump sum amount of $587.50 in order to buyout their payday loan.

When a borrower finds an alternative lender they like, more likely than not, the borrower will use this payday loan consumer 8-11 times a year. Even when a borrower pays their loan in that two week period, they are still giving, or throwing, away $700 a year in interest alone to their payday loan company.

Now, with a Progressive Payoff Loan, on the other hand, there are no renewal fees. When our borrowers take out loans, they are set up on a six-month term, with one payment each month. As our borrowers make payments on their loan, part of every payment will always go to their principle balance of the loan. This allows our borrowers to move a step closer to paying off and or lowering their amount of interest being charged daily on their loan.

It should be known, that when borrowing with a payday loan lender, consumers are paying an average of $1.75 every day on the $100 loan, for the life of their payday loan. It should also be known that our Progressive Payoff loans have a rate $0.34 every day per $100 loan until our borrowers make their first payment. Then, after each payment, our borrower’s daily rate drops lower and lower.

Progressive Payoff offers our borrowers a 6 month window to pay off their loan. After the 6th payment is made, our borrower’s loan will be paid off. Within this 6 months period, our borrowers would have paid around $735.00 on a $500 loan. This means our borrowers are only paying $235 towards interest with their cash loan through Progressive Payoff. If our borrower were to have a $500 payday loan open for 6 months with the renewal fee set at $17.50 per hundred, they would end up paying $1550, that's $1050 toward interest . In the end, our borrower is saving $815 on every loan by borrowing with Progressive Payoff.

The best way to avoid the trap of payday loans is to call Progressive Payoff today! Mention this blog and we will drop the $25 processing fee from your first loan!

Alternative lending companies have been seen all over America since the early 1990’s. This is when they, more likely than not, first began to show up in strip malls and major intersections throughout America. When our economy was on the rise, it allowed for many Americans to take advantage of this "easy cash." When the economy was good, borrow ring "instant" cash helped improve the cash flow throughout the United States.

Over the past ten years, the majority of borrowers have begun using payday loans to pay off or pay down expenses their regular paychecks cannot cover. These payment might be car repairs, living expenses, medical emergencies and anything else borrowers might need to extra money for. Even though the times have changed, these payday loan companies have stayed the same. Borrowers who use Payday Loan lenders still have the highest interest rates. These high interest rates only further a borrower’s debt and financial hardships.

Progressive Payoff understands our times are hard and steady work is not easy to come by. Our borrowers need to know we are dedicated to helping our clients when they need it the most. When our borrowers take out a loan through Progressive Payoff, they need to know we are working with them in every way possible, putting them on a path to financial freedom. Progressive Payoff bends over backwards to help our borrowers, with a smile! Our representatives are friendly, compassionate, and waiting to help out in any way they can!

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If you find yourself in a financial bind, it is time to call Progressive Payoff or log on to their website. Progressive Payoff provides their clients with easy cash and quick loans. Sometimes, there seems to be more bills to pay than money available in your bank account. The team at Progressive Payoff offers their clientele over fifteen years experience when it comes to borrowing money. We, Progressive Payoff, provide cash advances to our clients for any financial situation. A payoff loan is different than a payday loan. With a payoff loan, our clientele are able to receive a quick and easy personal cash loan. This is also known as an alternative cash loan.

With a payoff loan, there is no recurring cycle of paying not only the amount borrowed, but the interest on that borrowed money. A payoff loan, which we specialize in, allowing our clientele to apply a portion of their monthly payments to their original amount borrowed. This means our clients are actually paying off their loan, no continuing a never ending cycle of payments.

Payday loan cash advance companies are not only in physical building, they can be found all over the Internet. As it turns out, more and more people are turning to cash payday loan companies, willing to pay their high interest rates, just to by groceries or payoff a medical or mortgage bill. These payday loan companies will charge their clients an enormous interest or annual percentage rate. Let’s say a potential client walks into a payday loan office and asks to borrower $100. Well, the client will be charged $15 on that $100, two week payday loan. Along with that $15 charge, is also an APR of 390%. This is highway robbery. There is no way a client will be able to pay down, or payoff, their loan with an APR this high.

Borrowing money from an advanced payday loan company should not be this complicated. This is why many people go to payday loan offices, instead of their bank. Yes, instant cash is a plus, but having to pay an APR this high is outrageous. When individuals look into getting a payday loan, what they are actually doing is “renting” their paycheck with an enormous APR. The difference with Progressive Payoff is our clients have a simple interest loan and after six months of paying off their borrowed money, their account is closed. During the six months it takes to pay down on a Progressive Payoff loan, our clients will actually see their payments decreasing. Our clients, who pay down their loan monthly, will also see their principal balance reduced.

When our clients apply for a loan with Progressive Payoff, they will see the difference right away. We, Progressive Payoff, will not charge for an early payoff of your loan, no collateral, no renewal fees and no recurring cycle of payments to Progressive Payoff. We, Progressive Payoff, also do not require a credit check from our clients. All we ask is for our clients to have a 90 day bank statement, current pay stub, a voided check and photo ID. Life is tough enough, at times, being able to borrow money, then pay it off, should not be.