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As soon as a borrower gets paid at work, the lender is first in line to get paid on a loan that often comes with triple-digit interest. They time the payment when youre most flush, says Montezemolo.
Theoretically, payday default rates should be pretty low. However, thats not what the rent a center cash loans found. The report analyzed 1,065 borrowers in North Dakota who took out their first payday loans in 2011. The state allows borrowers to renew payday loans, and using a database of lending activity in the state, researchers were able to track the borrowers over time, and across different lenders from whom they may have borrowed. Nearly half of the payday borrowers -- 46 percent -- defaulted within two years.
A third of the borrowers defaulted within six months. Those findings are consistent with previous studies, the paper says, including a 2008 analysis by researchers at Vanderbilt University and the University of Pennsylvania. It showed a 54 percent default rate among payday loan borrowers in Texas within one year.
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Any ideas as to the ramifications to my EX and the Loan Officer and possibly the Bank, for perpetrating this Fraud…. And, Yes, I have ALL the documentation to confirm what they did, and much much more. If you want the definitive answer you should probably ask the lender directly. The source of that cash may also be scrutinized. We are in the process of starting the final loan approval as we are 2 12 months out from closing (new construction).
We have a FHA loan with 3. 5 down and has already placed the down payment and earnest rent a center cash loans into escrow.