Federal Laws:


The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974.  It requires lenders to give a good faith estimate (GFE) of all closing costs that borrowers must pay.  It was designed to help borrowers from being forced to pay “hidden fees” at closing.
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The Truth in Lending Act (TILA) requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate, and the number, amount and due dates of all payments necessary to repay the loan.  The TILA also requires additional disclosures and places many restrictions on mortgages.
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The Fair Credit Reporting Act (FCRA) was designed to prevent inaccurate or obsolete information from entering or remaining on a credit report.  The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information.
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The Equal Credit Opportunity Act (ECOA) was designed to ensure that all qualified people have access to credit and prohibits discrimination based on sex, marital status, age, race, national origin, or public assistance benefits received.
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Direct Deposit Loans Online


No matter how hard you try to stick to your monthly budget, it is not an easy thing to do. As a result, you often find yourself running out of cash before receiving a monthly salary. Whether you have a medical emergency, an unexpected house repair, or an appliance purchase, you have to deal with the situation as it comes. This is where online loan via direct deposit happens to be very helpful. They are hassle-free, easy to access, and doable in a matter of several minutes. Upon a successful online application, the money will be directly sent to your personal account.

Benefits and drawbacks of online loans

Applying for an online loan used to be quite a complicated procedure. You had to go to a storefront location, complete an application form, provide bank statements, and wait for an answer.

Now, it is up to you to complete an online application. There are two main requirements to be fulfilled: official employment and a viable bank account. By providing your bank account number, your lender can send funds directly to your account within 24 hours of approval. Here are the major benefits you should focus on:

  • Variety of options. There are many lenders that provide direct deposit short-term loans. If you don’t want to proceed with extensive research, you can refer to loan-matching agencies.
  • As long as you can specify all the necessary details, you can easily apply for a direct deposit short-term loan whenever and wherever you feel like it.
  • Freedom of use. You can use the money received from a short-term loan for any legitimate purpose.

Apart from obvious benefits, there are some things you should be careful with. Here are some of them:

  • Need for a bank account. You need a bank account that is authorized for receiving direct deposits. Your lender uses your account number for sending your loan and collecting your repayments.
  • High fees. Short-term loans can assign higher service charges compared to other loans, both in upfront and ongoing costs.
  • Disreputable lenders. Although there are reliable lenders, there are some who hunt on people with financial needs. Ideally, you should check the loyalty of the particular lender with the local government to make sure it follows the legislative norms.

Getting instant money via direct deposit

The Automated Clearing House (ACH) provided lenders with the ability to transfer direct deposit loans within several minutes into your account. Today, there are lots of short-term money lenders such as TriceLoans offering attractive conditions for loan takers. Most of them count on the direct deposit avenue to send the funds to their customers. To apply for instant direct deposit loans, you will have to specify various personal details. Among them are details of the bank account where you want the money to be deposited once the lender approves your request. Remember that not all bank accounts approve a direct deposit loan to a debit card, so you should make sure that the one you intend to use does.

Once you provide your account number and your routing number, funds will reach your bank account. When it is high time to pay the debt, the lender will need the same details again. Having this information, they will ask your bank to transfer the money on the due date.

How much time will it take for the money to reach your account? TriceLoans provides one-hour direct deposit loans that are usually slow and require more time compared to other loan applications. What’s good is that it works during the weekends and after business hours. Consider these aspects before sending your application. If it’s something urgent, you can hardly wait for a long time.

There are some limitations to be assigned to your request. Depending on eligibility of your account and the local laws, the maximum amount you can have will be determined. The amount of loan and the duration of paybacks will estimate the service charge to be paid. Even though state policies govern most personal loans using direct deposit, it is necessary to pay close attention to the amount being charged since they vary between different lenders. For online payday loans to a debit card, this is usually not a difficult thing to be done. The major point is to look through all the terms and conditions of your cooperation in order to avoid any misunderstandings in the future.

Closing note

Don’t let unexpected financial issues turn your life into a real disaster. People often find themselves in circumstances that they cannot keep under control. When a house needs an urgent repair or taxes are raised by the government unexpectedly, you may feel yourself stuck. In troubled times, it’s good to know that there is always a way out. Fortunately, such companies as TriceLoans are there to give you the cash infusion that you need.