Dec
21

Cash Loans

Cash loans, or payday loans, are great and there are many reasons why they are great. You should know what some of these reasons are before you apply for one. With that said, continue to read on to find out why these loans are great and why you should apply for one.

The main benefit is how easy they are to get. You can fill an application out, submit it and find out whether you are approved, all within 20-30 minutes. It’s not necessary to wait around hours on end or days on end to find out if you’re approved, which is usually what happens with many traditional loan applications.

Cash Loans

Payday loans are quite secure and most lenders don’t share your information. Most lenders make getting a loan a straightforward process, which means you just need to follow the instructions the lender gives you, such as filling out the application in its entirety, and submit the application. Payday lenders tend to take security very seriously, which means you can have peace of mind knowing that the lender you apply with will keep your information safe and secured.

Perhaps the best thing about payday loans is the amount of money you can borrow. The amount you will qualify for depends on various things, such as how much money you earn, whether you are a new or returning customer and things of that nature. Generally speaking, you can usually apply and get approved for a few hundred dollars, if you meet all of the lender’s criteria.

Cash loans are obtained via an online lender. Don’t apply with any old lender, as you want to get a loan from a company that is reputable and one that provides excellent customer service. With that said, all you have to do now is find a good payday lender, apply for a loan and wait to see if you get approved.

Nov
28

Fixing Bad or Low Credit Scores? Continental Finance is a No Go!

fix bad credit scoreOkay, so I admit that I don’t have the best credit. Years of immature decisions, shopping trips at Macy’s in college and other wasteful endeavors, have led me to the point of needing credit repair. So when I received an offer in my email box to improve my credit rating, I jumped at the chance. Unfortunately, I should have hit delete! Consumers beware: Continental Finance does not have your best interest at heart.

Let’s start with the fees. When I first opened this account my limit was 300 bucks..not a ton, but a huge help for a student and a mommy (such as myself). Once all of the fees were processed, i was left with a limit of 53 dollars (there is an account set up fee for $99, a participation fee for $89 and an account maintenance fee for $49). So that we always remember how much they care, our friends at Continental Finance also charge an annual fee of $120 that is billed to your statement on a monthly basis. Oh and don’t forget your 30 dollar over limit fee!

Besides outrageous fees, Continental Finance has the worst customer service I have ever come across. The operators are rude, loud and obnoxious. Too many times my phone calls have been met with loud crunching sounds, blaring television sets and even babies crying. The company also feels the need to call you 5 to 6 times daily to remind you that you went over your limit, even if the bill is not due for two weeks and even if they reminded you the day before. Problems with your card? Suspect fraud? Ha! Try to find an operator to discuss credit card issues and see if you speak to a live person within 45 minutes. Oh the virtues of this company…will they ever cease to amaze?!

One card that I do like, nonetheless, is Capitol One’s Master Card. Even if your credit is not perfect, the company treats you with respect and dignity. Unlike Continental Finance, you do not have to pay a huge monthly minimum fee (Continental makes you pay at least 50 bucks a month, even if your bill is only $60). The customer service is just like any other credit card company’s service–prompt and polite. It also probably doesn’t hurt that Capitol One is a major company (so they probably won’t put you through as much nonsense as Continental Finance).

Obviously, the lesson of this story is to try and keep your credit score as high as possible. However, if your credit needs help, please learn from me and do not utilize Continental Finance. Try other companies (such as Capitol One) where you are treated like any other person who is in possession of a credit card. Just because you made some mistakes in the past, does not mean you have to put up with ill treatment in the present and in the future.

Oct
3

The Advantages of Online No Credit Check Installment Loans

no-credit-check-installment-loansMaking ends meet every month is a constant struggle, especially if you have bad credit. This is why online no credit check installment loans are becoming more popular. Unless you can borrow money from family or get it through some other means, online installment loans with no credit check might be your best bet. As long as you have a plan in place to pay the money back, borrowing a lump sum of money could be just what you need to get back on your feet again.

All About No Credit Check Installment Loans: What You Need to Know

If you’re interested in no credit check installment loans, we have the information you need. No credit check installment loans allow you to borrow a specific amount of money that you will later repay with a series of set payments. These payments almost always occur monthly. Life throws all sorts of curveballs your way, and thanks to these loans, those with less-than-perfect credit will have a chance of handling things properly.

Applying for no credit check installment loans online can help you handle life’s emergencies, such as:

  • An unexpected automotive breakdown.
  • Serious medical problems that you were not prepared for.
  • Household emergencies that need to be handled right away, including clogged sewage lines, broken water heaters, or air conditioning repair.

Online No Credit Check Installment Loans: The Option for People with Bad Credit

The benefit of no credit check installment loans is that they are suitable for those with bad credit scores. Banks and credit unions always check with the three main credit agencies before approving your loan. With no credit check installment loans, you won’t have to deal with this worry.

There could be a number of reasons that you have bad credit, and many of them might not be your fault. No matter why you’re in your situation, one thing is certain: You still need money to survive right now. When you avoid having to wait on credit checks or waste time filling out a huge pile of paperwork, getting your loan is easier.

Applying for No Credit Check Installment Loans: Keeping Your Budget in Mind

If you have bad credit, you already know what a downward spiral it can be. You have bad credit, which makes managing your finances difficult. When managing your finances is difficult, you may get behind on bills, which continues to worsen your bad credit and make it harder to get loans in the future. However, this doesn’t mean that you shouldn’t apply for installment loans with no credit check when you really need the money.

In certain situations, it’s far better to get the loan than to go without. For example, if your car breaks down and you have no way to get to work, you could lose your job. If you get a loan and get your car fixed, you will have debt to pay off, but you will also still have income. It’s up to every individual to manage his or her budget and come up with a trustworthy plan to pay back the debt from installment loans. Always take a realistic look at your budget to determine the pros and cons of taking out a loan at this time.

Installment Loans with No Credit Check: How to Ensure You Will Qualify

While these lenders won’t do a credit check, they will most likely look at your income to ensure you have the ability to make your installment payments.

Other qualifying factors for no credit check installment loans include:

  • Maintaining employment for the previous month.
  • Having a valid checking account.
  • Being 18 or older and a permanent resident or citizen of the United States.

Installment Loans No Credit Check: Land a Job First

Unfortunately, employment is almost always required for no credit check installment loans. While it’s true that the unemployed need money more than anyone else, most lenders simply won’t take a chance on someone who has no current ability to pay back the loan. If you’re unemployed, it might be better to look into state benefits versus applying for no credit check installment loans. Your main focus right now should be getting a job and getting your income back where it needs to be. That said, once you have a job and maintain it for a month, it makes sense to apply for no credit check installment loans to provide yourself with any of the uniforms, tools or other supplies you might need.

May
12

Best Quick Cash Loans

Best Quick Cash LoansIf you are in a bind or want to hedge your bets you may be looking to get a quick cash loan. It is wise to be aware where you take your money from where quick cash loans are concerned because they can carry some steep penalties and interest rates.

The United States has laws governing interest rates on secured loans and credit cards. Yet, for cash advances lenders can charge 500% interest. If that rate does not seem that bad for a loan of a few hundred dollars, after all you will have the money in two days from your employer, think again.

You will not be able to simply repay the money. But suddenly you will find yourself owing an exorbitant few thousand dollars in order to repay that loan and that is only by next week.

Happily (and sadly) the interest rates that can be charged happen to be curiously governed by the individual states. Now, can you guess in what state it is actually considered racketeering to charge huge excessive interest rates? It is not a state known for being progressive, nor for protecting its citizens. It is an at will employment state where people can be fired without cause, just as people can quit basically without notice or cause.

Hint: it gets hot there. Georgia, a state that has some of the highest identity theft and identity fraud in the nation actually has limits on how much interest can be charged for payday loans. What might be more surprising is it is forbidden under the state’s racketeering laws.

A full 32 states otherwise allow triple-digit interest. The rest pull in the interest and only allow it anywhere from 17 to 30%. Another surprise is that even Arkansas limits interest on all loans to 17%.

There are some schemes that claim they are immune to any U.S. law because they originate the loans on Native American reservations. Though, does it matter where the loan originates, or within what state the resident lives? It would seem the latter is true.

Other than moving to Arkansas, be sure that you only borrow as much as you need to and consider shopping for loans online prior to agreeing to take on a triple-digit loan. There are other opportunities out there for you and you do not have to make yourself a victim just because you need a little help this month.

The idea is that you do not want to have to repay the loan for years. Alternatives include working with several lenders, or trying person-to-person loans for your money as well.

The good part about the best quick cash loans is that you will not have to put any collateral forward in order to secure the loan. That means that there is really no need for any credit check. Even if the individual has bad credit, they will still receive the loan. The companies that issue these loans are looking to make their money back on interest.

Apr
17

Obtaining Fast Cash Loans

Obtaining Fast Cash LoansThere is no doubt that we are currently living in a difficult economy. Businesses are closing, being merged, laying off workers and downsizing. This leaves many workers without jobs, working less hours and perhaps holding down more than one job in order to make the budget work out.

Therefore, many families need a source of ready cash in case of a financial emergency, and that is where Fast Cash Loans comes in. Even though a family might be in the paycheck-to-paycheck syndrome, they still experience their share of unexpected cash needs like a car or an appliance breaking down, a medical emergency where a family member has to be hospitalized, or the out of town relative that falls ill and needs a visit.

It is also difficult to get a loan from the neighborhood bank anymore, as you have to jump through hoops to even be considered, and the wait is long. This is where a loan institution like Fast Cash Loans comes in.

Just about anyone can procure a short term loan by applying online and all they have as requirements for the most part is that they have a steady income and that they own a checking account. When they are approved, and most are, they receive their money by direct deposit to their checking account.

The terms of the loan are usually that the money plus interest has to be repaid at the borrower’s next payday, where the money will be withdrawn from the borrower’s checking account. This method seems to work well, as the loan amounts run the range of between $300 and $1,000. This makes it easier to pay back the amount out of a person’s pay.

This is really a very good service as it allows for middle income families to have a ready source of cash available for emergencies.

Mar
20

How Quick Cash Loans Work

Have you found yourself in a financial bind? If so, you are probably looking for a way to get a fast loan. Have you ever thought about getting quick cash loans? If not, this article will include everything you need to make a good choice about getting a quick cash loan in an emergency situation.

If you need money fast, there are quick cash loans available that you can easily apply for and receive online. There are many websites that offer this service. Many of them are legitimate, but you should be sure you research the company before you give them your information, no matter how much of a hurry you are in. It is important that you make sure you are using a company that isn’t going to steal your information.

How Quick Cash Loans Work

After you find a good company to use, find out what information you need to apply for the loan. Usually you will only need a few pieces of information. This normally includes a pay stub and your bank account number and routing number. This is so you can have the money automatically deposited into your bank account. This process will only take a few minutes of your time and loans are usually processed within about 15 minutes. Depending on which company you use, it could take up to 24 hours. Most of them only takes minutes though.

Once you get the money you need, you can take care of your financial emergency. Your first payment on the quick cash loan will be set up at a time you want it to come out of your bank account. Many people choose to have these loans taken out when they get paid. Remember that with these loans there are normally fees. Make sure you understand what the fees are and how the repayment works on the loan. These are very important to know before you get the loan.

After you pay the loan back, you can opt to get another loan if you need it. You also know there is somewhere to turn if you ever need a quick loan again. These loans can be very helpful in a time of need and should be taken advantage of if you find yourself in a bad financial situation.

Applying for these loans and getting them is very easy. Don’t hold off any longer and get the money you need today.

Dec
21

No Credit Check

No Credit CheckIf you have a poor credit rating but still require a loan to make ends meet, then perhaps no credit check cash loans are the perfect solution. In this guide, we’re going to give you some useful advice for ensuring you obtain one of these no credit check cash loans, so without any further introduction – let’s get straight to it.

Tip 1 – Try a credit union

One of the best places to find a no credit check loan is via a credit union. These organizations are usually run by members, and they have less strict requirements when it comes to obtaining a cash loan. What’s more, many of these unions have more than favorable interest rates – especially compared to a traditional loan from a bank.

In general, these are a fantastic place to begin your search for a loan, and you’ll often find a better deal here than anywhere else you try.

Tip 2 – Limit your applications

If you’re trying to get a no credit check loan, then it’s wise to limit the amount of applications you make. When you make too many loan applications, it is likely to trigger an inquiry into your credit rating – so if your rating isn’t very good, you want to avoid this if possible.

In most cases, you can research the criteria for any given loan before you make the application, and ultimately this will allow you to discover whether you’re likely to qualify for the loan before you make your application. In most situations, it’s far wiser to do this crucial research first – before you take the next step of sending your application in for review.

Conclusion

Overall, a no credit check cash loan will be a real lifesaver in many situations – and if you follow the advice in this guide, you’ll greatly improve your chances of getting one.

Dec
21

Payday Loans

Payday LoansYears ago, payday loans seemed to be on the way out in a way. While many people were still getting these loans, the industry was taking a big hit because so many people were calling them out on terms and conditions. Throw into the mix that there was quite a bit of competition out there, and it was hard for the payday loans to fight both of those battles.

Then came a readjustment of sorts as how payday loan companies operated and what they offered started to change. While it appears they changed for the better, the terms and conditions still come with steep interest rates. Most of the companies now spread the payments out over time, however, which makes it to where not as many customers default on a loan.

They do actually pay more interest than if they were to pay the loan off the next week. It’s like the loan companies were allowed to let go of that demand and still keep the high interest rates. Additionally, the loan companies mostly operate online, and they have also continued to find ways to get the funds to their customers faster.

If you’re still looking for that traditional loan to help supplement your payday, you can choose to get one instead of an installment loan. Even some of the older companies were offering ways for customers to pay down their balances in installments. It’s up to you how you want to handle the loans, but they have picked up momentum and are here to stay.

In fact, more and more companies have popped up, and it seems as though they will continue to find ways to reinvent themselves. If you’re a little out of touch when it comes to these loans, see what you can find by checking out the different companies.