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Check your options before you borrow: For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan If you are on government benefits, ask if you can receive an advance from Centrelink: Email: http:www.
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Here are some examples.
T he huge possibility for profit in this industry has caught the attention of Silicon Valley investors, who look at the people on the fringes of the banking system and see a huge potential customer base. Almost 10 million American households have no bank account.
A further 25 million households (almost 1 in 5) have a bank account but also use non-bank financial products like payday loans. Think Finance has benefited from this flow of Silicon Valley money.
Sequoia Capital (which personal loans no payments for 12 months funded Oracle, Cisco, Yahoo and Google) and Technology Crossover Ventures (which has invested in Facebook, Netflix, Spotify and Vice) have each backed the company. Through a spokeswoman, Technology Crossover Ventures declined to comment. Sequoia did not respond to requests for comment.
While lending companies and their investors rake in money, however, the situation is more precarious for the more than 3 million Americans who take out online payday loans each year. The very purpose of an online lender affiliating with a tribe is specifically and expressly so that they can lend in violation of state laws, Ellen Harnick, a payday lending expert at the Center For Responsible Lending, told HuffPost.
And it's the poorest Americans -- the ones who need quick cash to address the most pressing issues in their lives -- who are most at risk.