Instant cash payday loans are all over the news lately. In America, many states are looking to ban payday loan lenders altogether or at least cap the APR that they charge. In the UK, instant cash payday loans are in the news and certainly causing a stir, but not yet to the degree as in America.

Here’s one article from Mirror.co.uk investigative reporters Penman & Sommerlad about payday loan companies that are based in the UK. Yikes!

Instant cash payday loans have high annual percentage rates, but it cannot be said enough that APR’s are an annual rate and cannot accurately be applied to short, 30 day loans. Also, any responsible lender will clearly state on their website that instant cash payday loans are for cash emergencies and are not meant for regular use or a supplement to your income.

With all the bad press that payday loans are getting, many new companies are boxing clever and sticking a new name on an old product. Don’t be fooled by the “microloans” and “microcredit” tags and always read the fine print.

Everyone can rest assured that with all the changes in the market, SameDayCash will continue to work with reputable lenders when connecting UK consumers to short term loans for cash emergencies. We may call short term loans by multiple other names, but we’ll continue to stress that these loans are for cash emergencies and they need to be repaid within a month. A borrower should always think about the affordability of a loan before they borrow any money.

Searching for the best unsecured loan can be a daunting task, but it’s a lot easier now that there’s easy access to the internet. A simple search online will turn up pages of unsecured loan options along with numerous loan comparison sites to help you narrow the field.

An unsecured loan online is a quick and easy alternative to traditional bank loans and often they may be the cheapest small loans around. Online loans generally require less documentation and customers are likely to receive the funds the very same day of submitting an application.  You’d be hard pressed to find a big bank with such service.

Large unsecured loans online can be used to pay for schooling, a wedding, medical bills or other large expenses. Small unsecured loans online are best used for quick cash emergencies such as an unplanned veterinary or utility bill. Thankfully with the internet, the options are endless.

SameDayCash connects UK consumers looking for quick cash loans online with UK lenders who can help.

Image via CrunchBase

Are you down with micro-blogging or are you still one of those people asking, “What is Twitter?”  If you are part of the latter group, well then it’s time to jump on the bandwagon.

Twitter is the latest craze that is sweeping the blogosphere.  140 character updates has folks honing their writing capabilities and promoting all kinds of businesses, websites, products or even just themselves.

SameDayCash has dipped its toe in the Twitter waters, but we’re more interested in finding great people to follow.  We’re not talking celebrities like Ashton (aplusk) or Oprah (oprah), but instead we’re looking for serious news and top tips.

A few of our favourites are a tag-team duo of sorts, WongaMan and WongaWoman.  These two keep it real with some personal updates but more importantly they point you towards other great websites for budgeting and personal finance.

A popular Tweeter is mashable who posts relevant Twitter news and updates and lots of information about social media in general.  Serious Twitter fans should follow Biz Stone.  He doesn’t talk much about work, but mostly his whereabouts which are fun to read.

Let us know your favourite Tweeple so we can be sure to follow them too!

Fans of budgeting and financial management are getting spoiled for choice these days. No longer do end-users need to purchase expensive software bundles or themselves be accountants in order to enjoy the luxury of a budget management system. Today there is an array of tools from simple budget calculators to more in-depth tools that link to your bank account and continually monitor your expenses.

A few favourites include:

• Wonga Budget Calculator

This is a basic budgeting tool with a friendly user-interface.  You can save your work and come back to it or print it off to take a copy with you. With your wage slip in hand and a grasp on your monthly bills, you’re ready to get underway.

• Buxfer – Personal finance software

Buxfer is free online personal software for budgeting and expense management. Buxfer can link all your bank accounts and credit cards into your Buxfer account so you can manage them all from one location. You can see where your money goes and also create budgets.

• Geezeo – Personal finance for everyone

Geezeo is also a free online personal software tool that links to bank accounts and you can access Geezeo from any computer, not just your own home or work computer. Users can create discussion groups and can work together to meet their own personal financial goals. Lots of great tools here.

Managing your own finances and getting out of debt is very much an “in” thing these days, and when the masses talk, smart companies listen. Get on the bandwagon and start crunching some numbers!

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• Manage your money online with these services (news.cnet.com)

Exciting news for Blackberry owners – the Blackberry Apps World has gone live and is ready to download!  Will these apps compare to iPhone apps?  Only time will tell.

I’ve just downloaded BAW to my BB Bold.  It was quick and seamless, and in just five minutes I’m ready to roll.  Of the top downloads, the interesting ones, in my personal opinion, are:

• Shazam – music sharing etc

• Calorie Count Nutrition & vClinic mobile Health – health and diet management

• ITookThisOnMyPhone.com – photo upload and sharing

I’ve yet to actually download an application and give it a test drive; however the graphics are great, the information is sufficient and it feels like a real expansion of my smart phone capabilities.

I’m looking forward to scanning the blogs for all the reviews, but in the meantime I’ll dream about an online loan or payday loan application for my Blackberry.