Personal Loan Payday Loan Kiosk Machine

The future of consumer small dollar lending? Automated kiosk machines and smart phone apps.

No doubt, there will be continued demand by consumers for immediate cash in their hand, but for B2C small dollar lenders to scale will require their investment in technology, apps, SAS, automated kiosk machines…

Today’s kiosks have the ability to:

  • Apply for a loan
  • Submit the application including identification scanning
  • Underwrite and score the consumer loan application
  • Approve/decline the consumer loan application
  • Consumer agreement to loan terms and Esignature
  • Enable the consumer to receive loan funding via an ACH, debit card, cash…
  • Process consumer payments via bank account, EFT, cash, gift card…

No need to lease a location, hire a multitude of employees, and on and on and on… Result? Profits.

The thing is, THE FUTURE IS HERE! Email Subject: “KIOSK”

Loan Machines Here Today

Loan Machines Here Today


Payday Loan Kiosk Machine Revenue Share Opportunity

I’m in need of a store front owner to allow a state-of-the-art payday loan KIOSK machine to be placed in their location.

This is a revenue share proposal.

No out of pocket expense to the store owner.

This new technology, enables a consumer to apply for a PDL and receive cash within 60 seconds.

Kiosk operates 24/7.

The KIOSK manufacturer has been in the PDL space 11 years.

They have 90 KIOSK loan machines.

US expansion is the goal.

The KIOSK manufacturer provides ALL capital to fund the PDL’s.

The KIOSK manufacturer ships, delivers, and sets up the PDL machines with Internet; no expense to you.

The KIOSK manufacturer has developed software to analyze each consumer loan applicant’s individual credit history, and enable the borrower applicant to select a loan principal amount, and fund the loan immediately via the KIOSK in cash, debit card, or bank deposit.

The KIOSK scans and dispenses checks as well.

The borrower simply approaches the KIOSK, chooses the amount they desire to borrow, enters an SMS code to verify their phone number, places their ID on the built-in scanner, a built in camera takes their photo, borrower “signs” agreement with their fingerprint and they receive CASH IMMEDIATELY!

KIOSK manufacturer maintains a 24/7 call center. They handle all inquiries, issues, questions, collections…

A single KIOSK can service up to 500 borrowers/day.

Kiosk dispenses loan proceeds in cash and accepts repayments by cash, check, debit card…

Consumer loans can be repaid via the KIOSK, via the KIOSK manufacturer’s website or phone.

No consumer bank statements required.

No borrower CRA reports required.

Consumer data HIGHLY secured.

Consumer does NOT need to fill out ANY documents. Consumer does NOT submit bank statements OR pay stubs.

Ultimate goal is KIOSKS in convenient locations throughout USA. In malls, metro/gas stations, supermarkets, casinos,

Kiosks and software is completed and ready for immediate deployment.

60 seconds from application to cash in hand to consumer.

These KIOSKS & this technology is WORKING TODAY!

Interested in exploring?

Email your name, State, and phone number to
Put in the “Subject:” KIOSK MACHINE

Jer – Trihouse


ACH for State and Tribe Lenders-Google Payday Loans

Wondering why payday loan ads are still showing in Google Adwords?

[Now Available for tribe and state lenders: ACH, credit card payments, Image Cash Letters (ICL) and ACH transaction verification for NACHA compliance. 24+ banks signed on. Email ]

I just checked my Google search results for “payday loan” on both my cell phones, my laptops, my desktop computers and my iPad. Payday loan ads are still showing. [Confession: I owe Check-N-Go roughly $12 because I clicked on their Google PPC ad. SORRY!]

Google delayed implementation of their new Google PPC adwords program an additional week. And, they’re “rolling it out” in a piecemeal fashion.

Here’s a link to Google’s official Policy Page: Google Payday Loan Adwords Policy.

In a nutshell, this is big brother Google’s payday loan guidelines:

  • When promoting financial services and products, you must comply with state and local regulations for any region that your ads target — for example, include specific disclosures required by local law.
  • Your ad may be disapproved for:
  • Failure to provide legitimate contact information for a physical location for the business being promoted
  • Failure to disclose associated fees
  • Failure to include links to third-party accreditation or endorsement where affiliation is asserted or implied, particularly when it serves to improve the reputation of the site


Personal Loans: Google defines personal loans as “lending money from one individual, organization, or entity to an individual consumer on a non-recurring basis, not for the purpose of financing purchase of a fixed asset or education. Personal loan consumers require information about the quality, features, fees, risks, and benefits of loan products in order to make informed decisions about whether to undertake the loan.”

  • Examples: Payday loans, title loans, pawnshops
  • Not included:: Mortgages, car loans, student loans, revolving lines of credit (such as credit cards, personal lines of credit)

“Advertisers for personal loans must prominently disclose additional information on their destination site or app.”

  • Your ad may be disapproved for:
  • Failure to provide minimum and maximum period for repayment
  • Failure to provide maximum Annual Percentage Rate (APR), which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law. [What about tribe – sovereign nation lenders?]
  • Failure to display a representative example of the total cost of the loan, including all applicable fees
  • We want to protect our users from deceptive or harmful financial products.
  • We do not allow the promotion of:
  • Personal loans which require repayment in full in 60 days or less from the date the loan is issued (we refer to these as “Short-term personal loans”). This policy applies to advertisers who offer loans directly, lead generators, and those who connect consumers with third-party lenders.

High APR Personal Loans

  • “In the United States, we do not allow ads for personal loans where the Annual Percentage Rate (APR) is 36% or higher. Advertisers for personal loans in the United States must display their maximum APR, calculated consistently with the Truth in Lending Act (TILA).This policy applies to advertisers who make loans directly, lead generators, and those who connect consumers with third-party lenders.”

So… what about tribe payday lenders? What has Google decided is their fate?


CFPB vs ACH Processor Intercept EFT

ACH Processor for Payday Loan and Car Title Loan Lenders Charged by CFPB

42. For example, an ODFI complained to Defendants that one of its clients, an auto title lender, which was debiting varying amounts from consumers’ accounts multiple times, did not have the contractual right or proper consumer authorization to do so, stating that it was “not ok [for the] merchant to us[e] the ACH to ‘sneak’ attack a consumer’s account, [as] it will only draw regulatory attention.” Continue Reading..


Why We Teach Entrepreneurs How to Make Money Lending Money

By: Jer – Trihouse Consulting

Jer and Team Trihouse have taught thousands of entrepreneurs the correct way to identify, evaluate, negotiate, perform due diligence on, finance, turn-around and operate payday loan, car title loan, and installment loan businesses; the business of making money by lending money. Some people think we’re nuts for doing this, but the truth is that we’re far from crazy.

We make money doing it and so can YOU

Continue Reading..