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Free Loan-Repayment Processing Helps Microfinance Nonprofit Grameen America Increase Macro Impact on Women

SUNNYVALE, CA and LOS ANGELES, CA–(Marketwired – March 04, 2015) – Grameen America, a nonprofit microfinance organization that helps women in poverty start and expand small businesses, and PayNearMe, the electronic cash transaction network, today announced implementation of PayNearMe as a free new loan repayment option for Grameen America’s borrowers.

After a successful launch in Charlotte, North Carolina, the organization will now roll out the electronic cash transaction network in branches across the country beginning with Oakland, California and Brooklyn, New York.

Many of Grameen’s 43,000 members use their loans to start sole-proprietor businesses such as jewelry resale and nail design, which allows them to support their families while also giving them a flexible schedule to take care of their children. The majority of these businesses operate in cash. Using PayNearMe, borrowers are able to repay their loans using cash at their local 7-Eleven store.

“This innovative partnership is a remarkable advancement for our program that benefits our borrowers and staff alike,” said Andrea Jung, Grameen America’s president and CEO. “PayNearMe has made the payment collection process easier and more efficient. PayNearMe’s cutting-edge technology allows us to expand opportunities and extend access to financial services to thousands of aspiring entrepreneurs from New York to California.”

By eliminating the need to count, collect and deposit cash repayments, Grameen staff gain 40 minutes each day that they can spend with borrowers, providing financial education and facilitating problem-solving for the borrowers’ businesses. Using PayNearMe streamlines Grameen’s accounting processes while enhancing financial controls and efficiencies, which will allow the organization to build capacity to reach 150,000 women by 2018.

“We no longer stress about the amount of cash we are carrying to the bank, and the borrowers feel safer not having to congregate in one place every week with large chunks of cash,” said Ursula Lalone, Grameen’s Charlotte, North Carolina center manager. “With PayNearMe, we don’t have to count and collect cash. It’s a huge advantage to focus our meetings on helping the women invest, save and grow their businesses.”

Most of the 7,800 participating 7-Eleven stores nationwide are open 24 hours a day, seven days a week, making it easy and convenient for borrowers with even the most complex schedules to stay on top of their loan repayments.

To make a payment, a borrower simply walks into the 7-Eleven, hands the cashier their PayNearMe payment code and the cash payment. Additionally, if they choose to pick up some groceries while they are in the store, they can pay for everything in one easy transaction.

“Grameen America is living proof that the term ‘micro’ is relative,” said Danny Shader, PayNearMe’s founder and CEO. “A microloan to one person can make a macro impact on another. We’re proud to support Grameen’s work by offering this payment option at no cost to the borrowers. Everyone should have a right to pay the way they are paid, without having to jump through hoops.”

About PayNearMe
PayNearMe is the electronic cash transaction network that enables consumers to pay rent and utility bills, repay loans, buy tickets, make online purchases and do much more with cash. Consumers can conveniently make payments on their own schedule and in their own neighborhood in less than a minute at one of over 17,000 trusted locations, including 7-Eleven® and Family Dollar® stores across the United States. For more information, please visit:

About Grameen America
Founded by Nobel Peace Prize recipient Muhammad Yunus, Grameen America is a 501(c)3 nonprofit microfinance organization dedicated to helping women who live in poverty build small businesses to create better lives for their families. Grameen America offers microloans, training and support to transform communities and fight poverty in the United States. Since opening in January 2008, Grameen America has invested over $230 million in more than 43,000 women. Started in Jackson Heights, Queens, Grameen America has expanded across New York City and in Indianapolis, IN, Omaha, NE, Oakland, CA, Charlotte, NC, Los Angeles, CA, San Jose, CA, Austin, TX, Union City, NJ, San Juan, PR and Boston, MA. Learn more at

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Loan Offer Raises Questions Over Fees


Posted: Fri 6:13 PM, May 03, 2013

AAReporter: Mike McKnightEmail

Updated: Fri 6:42 PM, May 03, 2013

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Loan Offer Raises Questions Over Fees

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A quick cash loan offer has left a borrower with higher fees than expected. The Better Business Bureau issued a consumer alert for Mobiloans.

Susan Mortensen of Omaha needed a small loan to pay some bills so she said a mailing from Mobiloan lead her to an on line sales pitch. It said, “To find out how much you can borrow just click on apply now.” So Susan did and entered her bank account number as requested. Susan said, “I went on and applied just to see if I could get approved. They automatically accepted me and deposited money without ever asking me what I wanted. She got $1,200.

The Better Business Bureau reports 70 complaints about Mobiloans. The BBB issued a consumer alert. Omaha BBB President Jim Hegarty said consumers report not understanding what the loan involves and higher than expected fees. Hegarty said, “Most of the payment goes toward interest so people make payment after payment after payment the there’s little change to the loan amount.

Susan estimates if she continued with he loan payments it might cost her about $2,000 above the $1,200 she borrowed. Susan said, “I accept responsibility for accepting the loan and making the payment. I just think it was shady the way they went about it.”

Fact Finders found Mobiloans is connected to The Tunica-Biloxi Tribe in Louisiana. The State Of Washington where there have been complaints issued an alert stating the Tribe claims sovereign immunity and asserts it is not subject to regulation by the state.

Calls and Emails from Fact Finders to Mobiloans have not been returned for comment.

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Learning How Pay Day Loans Meet Your Needs | Weird Ramblings

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Online payday loans provide these lacking cash the methods to deal with needed expenses and emergency outlays during periods of financial misery. They should only be applied for however, if a client boasts a great deal of information about their specific conditions. Make use of the ideas in this article, and you will probably know no matter if you have a great deal in front of you, or in case you are going to fall into a risky capture.

Before you apply for a payday advance, make certain it will be possible to spend it again following the loan phrase comes to an end. Typically, the loan phrase can stop right after only about fourteen days. Online payday loans are only for many who will pay them again quickly. Be sure you will be getting paid a while very soon before you apply.

Expect the payday advance firm to phone you. Each firm needs to authenticate the data they obtain from each and every prospect, which means that they have to get in touch with you. They must talk with you personally before they accept the loan. As a result, don’t let them have a number that you simply by no means use, or use when you’re at the office. The longer it will require to enable them to speak to you, the more time you must wait for money.

By no means remove a payday advance for frivolous items, like jewellery, shopping, or even a trip. Folks make your oversight of consistently getting that loan for such unnecessary buys. With the level of fascination you must pay back, they ought to only be suited for significant charges, or emergency situations.

Online payday loans have recently turn out to be very popular. There are actually a multitude of alternatives, so it will be a wise thought to compare prices and conditions from 4 or 5 distinct creditors before, you select the loan. Study every one of the disclosures for each loan that, you are thinking about. Make sure that you clearly know the rates of interest, and then any charges that might be charged.

The very best idea designed for making use of payday cash loans is always to never need to rely on them. In case you are struggling with your debts and could not make comes to an end fulfill, payday cash loans usually are not the way to get back in line. Try setting up a spending budget and preserving some cash so that you can stay away from these sorts of loans.

Examine the polices about payday cash loans in the express your location. Some claims do not let payday cash loans, due to really high interest rates that, are area of the loan contract. These claims believe that along with the predatory mother nature in the payday cash loans, they also inspire bad financial procedures, in the consumers who rely on them.

Cash advance organizations are looked at as “loan sharks”, who happen to be out to obtain your money, and benefit from bad folks. Nonetheless, they actually do produce an significant support in some scenarios. It is quite essential to by no means use money from this sort of firm, except if you fully know the regards to the contract.

Many individuals make your oversight of trying to seal their accounts in order to try to escape from paying back the payday advance firm. Even if this may appear appealing, will not do that. The business can sue you if you do that, and you will probably wind up being dragged by means of the courtroom and owing far more than you will have in the event you paid them again legitimately.

In case you are considering that you might have to normal over a payday advance, reconsider that thought. The borrowed funds organizations collect a substantial amount of info from you about such things as your company, along with your deal with. They are going to harass you continuously till you have the loan paid back. It is advisable to use from family members, sell points, or do whatever else it will require to simply spend the money for loan away from, and go forward.

Some payday cash loans are referred to as label loans. They need the individual requesting the loan to make use of the label for car as, collateral for the loan. This can be only an alternative if, the car has a very clear label without liens connected. The label is presented through the loan company until, the loan is completely paid back.

Though the cost of getting a payday advance is just not cheap, it genuinely only causes large problem when you do not spend the money for loan again promptly. Even with sky-high interest rates, normal payday cash loans are because of in 1 to 2 weeks. This will not give much time for large quantities of fascination to accrue. If you fail to manage to spend the money for loan back time, however, the fascination is a huge, expensive dilemma.

By no means use a lot more than it will be possible to repay. You have possibly noticed this about credit cards or other loans. Although in relation to payday cash loans, these tips is even more significant. Once you know it is possible to pay it again immediately, it is possible to avoid a great deal of charges that generally come with these sorts of loans.

Since you now find out more about getting payday cash loans, consider getting one. This article has offered you a lot of information. Make use of the ideas in this article to get ready you to apply for a payday advance as well as pay back it. Spend some time and judge sensibly, to help you quickly recuperate monetarily.


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Payday loans are anything you need to fully grasp prior to deciding to get one or perhaps not. There is a lot to take into account when you think about getting a payday loan. For that reason, you might want to increase your understanding about the subject. Go through this informative article to acquire more information.

Try out consuming meals at home. You would be surprised at just what you can conserve by planning clean foods in your own home. Should you prepare huge amounts and refrigerate, you can have ample to consume for days. Despite the fact that eating at restaurants is much easier, you are going to find yourself spending more income. This will likely really assist in relation to paying off your payday loan.

Before taking out a payday loan, ensure you understand the payment conditions. These loans bring high interest rates and stiff penalty charges, and the rates and penalty charges only raise when you are later making a settlement. Tend not to remove financing prior to fully reviewing and understanding the conditions to prevent these complaints.

When studying the offered terms of a payday loan offer, be sure to evaluate if there are actually any penalty charges evaluated for prepayment from the bank loan equilibrium. By doing this, it can be easy to avoid paying unnecessary curiosity when the cash required to pay back the borrowed funds are, acquired sooner than originally predicted.

You will never know that is on the other side from the pc, so you need to be careful when getting a payday loan. Look for info on the website which can be used to get hold of the financial institution. If they should not be reached, you should not rely on the corporation at all.

If you are looking at looking for a payday loan however are uncertain where to begin you might like to attempt to check out various sites that position payday lending websites from most trustworthy to very least. There are some websites focused on weeding out the poor loan companies from the excellent kinds.

You ought to discover how much time you have to shell out the loan rear. Occasionally, you may be charged an additional fee if you do not make your payments with time. Some finance companies will charge ridiculously higher concealed service fees if you fail to shell out the loan rear promptly.

Be selective in the person you notify you are getting a payday loan. Several carry an incredibly bad view of the market, and may seem on you for having to deal with a payday lender. You may have ample stress as it is throughout a payday loan, so tend not to increase it.

Should you may need quick cash, and are looking into payday loans, it is wise to avoid taking out a couple of bank loan at the same time. When it might be appealing to see various loan companies, it will likely be harder to repay the loans, when you have many of them.

If you obtain a payday loan, ensure you have your most-recent shell out stub to demonstrate you are hired. You need to have your most recent banking institution document to demonstrate you have a existing available checking account. Although it is not usually needed, it will make the process of getting a bank loan much easier.

Payday loans can be a life-saver for many individuals who may have an urgent situation or even a situation. Even though the finances are essential rapidly, make time to assessment shop prior to taking out the bank loan. The service fees, curiosity, along with other costs associated with payday loans may differ commonly throughout this sector where there are discounts can be found.

Your credit score record is very important in relation to payday loans. You might nevertheless get financing, but it will likely cost dearly with a heavens-higher monthly interest. In case you have excellent credit score, payday loan companies will reward you with better interest levels and specific payment applications.

Think hard prior to taking out a payday loan. No matter how very much you imagine you will need the amount of money, you must realise that these particular loans are really pricey. Naturally, when you have not any other way to set foods about the kitchen table, you must do whatever you can. Nonetheless, most payday loans wind up charging individuals twice the volume they borrowed, as soon as they pay for the bank loan away.

Payday loans can give you dollars to pay for your bills today. You only need to know what to prepare for in the complete process, and with a little luck this article has offered you that info. Be certain to use the tips in this article, as they will help you make better decisions about payday loans.


Producing The Very Best Payday Loan Selections In An Emergency …

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For those who have ever had funds issues, you know what it can be like to feel worried as you have zero alternatives. Luckily, pay day loans really exist to assist like you get through a difficult financial time period in your lifetime. Nonetheless, you must have the right information and facts to possess a very good knowledge of these types of businesses. Below are great tips that will help you.

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Consider very carefully about how much cash you will need. It is actually luring to get a financial loan for much more than you will need, but the more money you ask for, the better the interest rates will probably be. Not simply, that, however, some businesses may only obvious you for a specific amount. Take the most affordable volume you will need.

Will not obtain more money than you can afford to repay. Before you apply for a cash advance, you need to figure out how much money it will be possible to repay, as an illustration by borrowing a amount that your particular up coming income will handle. Be sure to take into account the interest rate too.

Before you take the dive and choosing a cash advance, think about other sources. The interest rates for pay day loans are higher and for those who have far better alternatives, try out them initial. Determine if your family members will financial loan the funds, or try a standard financial institution. Payday cash loans should certainly be a last option.

To save cash to your cash advance, try out promoting things at home you never use anymore by way of websites on the internet like eBay and Amazon online. Although you may not believe you have many beneficial items to promote, you almost certainly do. Examine your publication collection, compact disc collection, and other electronic devices. Although you may could only produce a few hundred or so dollars, it can nonetheless aid.

When looking for a cash advance it could be a good idea to try out, and pay for the financial loan in full through the because of time without increasing it. Interest levels are through the roof for these kinds of personal loans, and so the faster you pay back again the loan the greater number of funds you may preserve.

Before you sign up for a cash advance, talk to any family or friends people who have presently completed so. Question them concerning their experience and find out which payday financial institution they selected. The greater number of investigation you are doing ahead of time, the greater your chances can be to prevent entering into additional financial problems.

Understand what a cash advance is. A cash advance is really a higher-interest financial loan for a limited time time period. These are typically typically completed with a single visit to the cash advance workplace. To acquire almost instant funds, you should write out a verify towards the payday financial institution for the value of the money, in addition to the interest cost, and any charges. The lending company cashes this verify at some agreed-with upcoming time, typically a single, or two weeks.

Have a cash advance only if you wish to protect particular costs right away this would largely incorporate bills or health-related costs. Will not enter into the habit of smoking of taking pay day loans. The high rates of interest could definitely cripple your financial situation on the long term, and you should figure out how to stick with a financial budget as opposed to borrowing funds.

When you are searching for a payday financial institution, search on the internet to be able to evaluate prices and discover the least expensive provider. Furthermore, choose a financial institution that mentions, “no faxing.” This means that you are able to give all your information and facts online, while not having to go through the hassle of faxing a paystub. You can full the full purchase online, without making your home. Fill out the web based type together with the information and facts the loan originator requires, and you may have funds settled directly to your checking account within one to two time.

The main hint when taking out a cash advance is usually to only obtain what you are able repay. Interest levels with pay day loans are nuts higher, and by taking out more than you are able to re-spend through the because of time, you will end up paying out a great deal in interest charges.

Because there are typically additional fees and phrases invisible there. Many individuals create the oversight of not undertaking that, and they wind up owing considerably more than they obtained from the beginning. Make sure that you are aware of completely, anything that you are putting your signature on.

Speedy money using handful of strings affixed can be extremely enticing, most particularly if are strapped for money with bills turning up. Ideally, this article has launched your vision towards the distinct elements of pay day loans, and you are actually completely mindful of what they can do for you and the current financial situation.


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Are you hoping to get a payday loan? Be a part of the competition. A lot of those who definitely are functioning happen to be receiving these financial loans at present, to obtain by till their next income. But do you really determine what online payday loans are typical about? In the following paragraphs, you will see about online payday loans. You might even discover things you never ever recognized!

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There are a few payday loan firms that are acceptable on their individuals. Take the time to look into the organization that you might want to adopt financing by helping cover their prior to signing nearly anything. Many of these firms do not possess the best fascination with imagination. You must be aware of on your own.

Pay day loans are a very good way to obtain cash in a rush. There are several firms that offer you this specific service, and the expenses associated with these sorts of financial loans change. Appear to find the best deal in the financial loan so that you can pay it off easily and without having substantial continuing financial debt.

Don’t be enticed by any advertisements for online payday loans. They are made to draw in you to definitely them, but they don’t listing all of the particulars. They can make online payday loans appear to be a foolproof method to get cash fast, but that isn’t the way it is. Do your own study, to pick one which has phrases that work for you, so you can pay out it back.

Prior to deciding to sign up for a payday loan, speak with any friends or family participants that have presently done so. Question them concerning their encounters and discover which paycheck lender they picked. The better study you are doing ahead of time, the more likely you can be to steer clear of getting into additional fiscal issues.

The term on most paydays financial loans is around 14 days, so ensure that you can easily pay back the money for the reason that time frame. Breakdown to repay the money may result in expensive charges, and penalty charges. If you feel there exists a probability that you simply won’t be able to pay out it back, it can be finest not to take out the payday loan.

There are actually more than ten thousand paycheck lenders in the United States on your own, and much more internationally. Utilize this fact to your benefit. Play opponents off from each other for greater bargains. Discover having the best bargain, and try to take advantage of this information as leveraging more than somebody near to you.

When you find yourself considering getting a payday loan coming from a particular organization, take a look with the Much better Business Bureau at While there are several very good, moral paycheck financing firms, not all are dependable. When you see any complaints filed, also read the company’s answers.

Pay day loans can be a life-saver for most people who definitely have an emergency or possibly a crisis. Even though the finances are required easily, spend some time to evaluation store before taking out the financial loan. The charges, interest, as well as other expenses associated with online payday loans differs commonly throughout this industry and there are bargains available.

Are aware of the charges you will be accountable for. You can actually want the money and feel you’ll deal with the charges afterwards, but the charges do accumulate. Check with the organization for written proof of all charges you will be accountable for. Achieve that prior to applying for the money, and you may not need to pay back a lot more than you lent.

Restrict your payday loan credit to 20 or so-five percent of your complete income. Lots of people get financial loans for additional cash compared to what they could ever dream of repaying in this particular quick-word design. By acquiring just a quarter of the income in financial loan, you are more likely to have sufficient money to settle this financial loan when your income eventually will come.

Are you Interested in receiving a payday loan without delay? In any case, you now know that receiving a payday loan is surely an option for you. There is no need to be concerned about without having sufficient cash to manage your money later on once again. Make certain you listen to it wise if you want to sign up for a payday loan, and you should be okay.