Archive for April, 2012
Sunday, April 29th, 2012
Instead of worrying about whether there is enough left in the coffers to take care of this month’s bills, smart people turn to interest free payday loans as a temporarily making ends meet. The need for extra cash
is not limited to any one group of people, especially during tough economic times. Sometimes the money is necessary for an emergency, but it might also be used for something fun. Lenders are not asking how the money is spent, but they want to make sure they will receive their money back.
Before applying, a certain set of requirements must be met. At the very least, the applicant needs to be of age. They also must correct identification on hand. Most lenders will also require that a regular source of income be available and that borrowers have a checking account. Lenders give the applicant a certain period in which to pay off what they owe. This might be based upon when one’s next check arrives or it may be within 30 days. For borrowers that prove to be reliable, loan amount increases may be available in the future. Best of all, the approval time is short and for times where there is a cash crunch, nothing is more important than time.
What is your opinion? Let us know.
Thursday, April 26th, 2012
Cash advance centers have continued to grow because individuals have come to see the value in taking out small loans to bridge those moments where cash flow is short. This is a big help when a home is short on groceries or a utility bill is past due. For some, that loan may be the beginning of a new life, perhaps helping to cover the down payment on an apartment. Best of all, these short-term loans are approved at a quicker rate than loans from a traditional bank. Instead of waiting weeks to find out if approved, most applicants find out within twenty-four hours. Some institutions deliver results in as little as sixty seconds.
The manner in which the loan amount is disbursed varies. Many lenders wire loan amounts directly into an applicant’s checking account. To apply, one needs a source of steady income and proper identification to start. The loan does carry fees, which tend to be higher than that of a loan from a bank. Applying online means a person does not have to take time from work. Complete the application day or night. Each institution has different guidelines as to how to repay the loan. It might be in full or through required minimum payments.
Monday, April 23rd, 2012
It has been proven time and again that many people find they need a little cash to help make it through until they receive their next paycheck. Emergency cash from a national payday loan center makes this process
simple. It used to be individuals had to go in person and fill out a loan application. The approval process was also much more stringent. Now, instead of waiting days, money can be directly deposited into a checking account within hours of approval. Most take no longer than 24 hours. The biggest bonus is that the application process can be done online.
Most of what they look at is a steady source of income. The loan requires a fee, which may be a percentage of the loan amount or a fixed fee. When the amount is due, the loan and any associated fees are payable. Some financial institutions are set up for minimum payment amounts to keep the account in good standing. For first time customers, the amount may be smaller. If a customer proves reliable, they may become eligible to borrow a higher amount, if the time comes. It relieves a bit of the stress that comes with worrying about paying necessary bills.
Sunday, April 22nd, 2012
When my neighbor’s new puppy started acting sick, she called the vet to take her in to get examined. The office made the appointment for the next morning but told her that payment
was due at the time of the visit. My neighbor didn’t get paid until Friday and this was only Tuesday. She didn’t know what she was going to do. She had to get the puppy taken care of now before it got sicker but she had no money to pay the vet in the morning. I saw her later that afternoon and she was happy – she told me she was able to pay the vet in the morning for the puppy visit. She’d heard about guaranteed payday loans for bad credit risks and she’d gone to the store to see if they could loan her money until the end of the week. They were able to and she said it was so easy.
She told me that they verified her job with her employer and then told her that the money would be deposited into her bank account by the end of the day. It would be accessible for her to pay the vet with in the morning. She said that a co-worker had suggested that she try guaranteed payday loans for bad credit risks. She was glad she did and so am I. Now she can go to the vet appointment in the morning and get the puppy taken care of properly.
How many of you met the above challenge? Feel free to share your thoughts.
Thursday, April 19th, 2012
My son was turning thirteen and at the same time, I’d had to unexpectedly replace the battery on my car. Since I’m a single mom, it really hurt me in the pocketbook when I had the extra car expense come up at the same time I was trying to save up for my son’s birthday present. As I ate lunch with a co-worker and spilled my worries out to her, I told her I wished my son’s birthday was only one week later because after my next paycheck I’d financially be OK again. I just didn’t have enough money this week to stretch between the car battery (which was a necessity) and the birthday present. She asked me why I didn’t go to a cash until payday store and get a loan until the following week when my next paycheck came.
I’d never considered borrowing cash until payday but when she mentioned it, I realized that it was a great idea. I went to a local store that I passed on my way home that evening. I was so easy. I was approved right away. All they did was verify my employment and told me the money would be deposited into my bank account by morning. My son had a great birthday. He loved his present. I paid my loan back the following week. It was a great idea to get a loan to tide me over. Now I know what to do if I get into a tight financial situation again.
Have any of you been in such a situation? Care to share your adventures? Please do…
Sunday, April 15th, 2012
The water heater broke in the house my husband and I just bought last month. With all the other expenses we’ve had getting the house set up, I didn’t know how we were going to pay for a new water heater but it was certainly something that we couldn’t do without, especially now, in the winter. I finally told my husband that I thought the only thing we could do was to get a cash advance on a credit card. Then we’d be able to replace the hot water heater. We hated to do it but didn’t see any other alternative.
As I was venting to my friend about the financial hardships of owning a home, she asked me if I’d thought of getting a payday loan to tide us over until we get our next paycheck. She told me the interest and fees would be much less than what we’d pay by taking a cash advance on a credit card. I’d never thought of a payday loan but spoke to my husband that afternoon about it. I went down to a loan store later that afternoon. I couldn’t believe how easy it was to get approved. The money was in our bank account the next morning and we were able to get the hot water heater right away. I’m glad we got the loan – it was much easier and cheaper than borrowing from our credit card.
Friday, April 13th, 2012
My daughter recently hurt her wrist while playing outside with her sister. Knowing payday wasn’t until the end of the week, I wasn’t sure what to do as the doctor’s office told me they wanted payment when I brought her in for the appointment. My sister told me that she’d recently gotten a loan at a new one hour payday loan store right down the street from where I work. She told me that it was very easy to get approved. I walked down during my lunch break to see if they could help me.
As soon as I walked in and talked to someone, they assured me that as long as I had a verifiable job and a bank account, they could approve me right away. I filled out the paperwork with the information they requested and before I knew it they told me I was approved. I couldn’t believe how easy and fast it was. They said the money would be in my bank account by the end of the day. I went back to work, called the doctor’s office and made an appointment for my daughter the next morning. I couldn’t believe how quick and convenient getting a one hour payday loan actually was. I’m so glad I got the loan and I’ll not hesitate to go back, if the need arises.
Saturday, April 7th, 2012
When our car broke down, we didn’t know what to do. Payday was still five days away and without the car running we couldn’t get back and forth to work. It was obvious that we needed to get the car fixed right away but we needed cash to do it. I talked to a good friend one afternoon and she asked me if I’d gone to a New Jersey Cash Advance store to see if they could help us. I hadn’t, so she told me where she’d gone before to get a short term loan to tide her over until her paycheck came in.
That very same afternoon I went to the New Jersey Cash Advance store my friend had recommended to me. I was amazed. It couldn’t have been easier. All they needed was proof of our income and to verify our bank account. They assured me the money would be in our account in as little as 24 hours. I couldn’t believe how simple it was! We were able to get the car fixed that very same day. We didn’t have to miss any work and easily paid the money back the following week after we received our paycheck. I’m so glad we got a cash advance and won’t hesitate to get one again if we ever need it.
Thursday, April 5th, 2012
Payday loans, or cash advances are commonplace nowadays. Many people are using these loans to get the money they need for emergencies and for whatever else they might need. A person should be cautious with these loans since you have to pay them back almost immediately. If you are considering a cash advance San Antonio services you need to know what to expect from this lending service. You must have identification, a checking account and proof of your income in order to get your cash advance loan. How does this process work?
You will write a check in the amount that qualifies according to your income and/or limits mandated by the state regulations. When you write your check the company gives you the money for your loan. You use the money however it is you need to use it. When your next paycheck comes in, you will get your written check back in exchange for the cash amount for the check. Every cash advance San Antonio transaction is a legal agreement and must be adhered to according to the legal guidelines which have recently changed. You will also be charged a premium interest fee for this kind of cash advance so use this option wisely.