Posts Tagged ‘cash advance installment loans’
Wednesday, May 2nd, 2012
No credit check cash advance loans make it easier on people who otherwise would be unable to procure a loan because of a less than ideal credit history. The fact is, though there are many people
with good credit, there are also plenty without. The lender that makes a determination based other things will usually have a higher rate of approval. No credit check also means there are no extra inquiries on a credit report. Inquiries can sometimes affect any future credit applications, so keeping those to a minimum is necessary.
Depending on where a borrower lives, the loan may be applied for at a cash advance center or online. Some lenders deal strictly online. The application process is quick. The approval might be in as quick as an hour. Most potential borrowers know whether they have been approved in less than 24 hours. Quick cash advance loans take care of emergencies, such as a late car payment or electric bills. For some families, the loan may be the difference between whether they have food to eat. Borrowers will find that the loan comes with an interest rate, fixed fee, or percentage according to the lender preference. When it comes time to pay, the amount can be paid in full or through a minimum amount due.
Have you been in this situation? Let us know.
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.
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…
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.
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.
Thursday, March 29th, 2012
Cash advances for merchants, or businesses work differently than your standard individual cash advance or payday loan. Instead of signing over your next paycheck, you are signing over a portion of your future sales to the entity issuing the merchant cash advance. These lenders commonly work with only retail, restaurant and service companies with a lot of credit card sales but that are unable to qualify for standard loans. The interest rates vary, but are usually much higher than payday or cash advance loans for individuals. Business owners should be careful about which company they choose to work with. Merchant cash advances should be treated like any other loan and you need to do your research before choosing this option.
The merchant does not make payments to this type of “loan” and the companies that issue the money for these cash advances do not call them loans. Instead, the lender takes a percentage of the daily credit card sales of the merchant’s establishment until the merchant cash advance amount and the premium is collected. This is usually to happen within 12 months or less. The main selling points to merchant cash advances is that there is no due date for payments, no fixed payment and the money gets paid back faster.
Monday, March 26th, 2012
Millions of people get lawsuit and other kinds of settlements all over the country every day. Most large settlements are not given out all at one time. Instead, these larger settlements are given as a monthly or yearly set amount like payments. When you want your money now a cash advance settlement could be your answer. This is how you get your money fast and leave the payments behind. The agreement you make with the cash advance company will have fees attached since they are providing you a service. This means you will likely have to give up a portion of the total settlement in order to get a lump sum amount.
What should you look for when researching and choosing a cash advance company to get a lump sum for your settlement? You want the lowest rates you can get so that you are getting the biggest lump sum you can get. You also want there to be no credit checks, no monthly payments, no hidden or up-front fees and a cash advance settlement company with a good reputation to help you. The basic agreement is that you sign over your settlement to the company in exchange for a lump sum in your pocket.
Saturday, March 24th, 2012
are short-term, high-cost and interest loans that allow you to get quick money based on your income. You need identification, a checking account and proof of your income in order to obtain one of the cash advance loans. Most quick online loan offers require that you sign over your next payday check to the lender or you write a check that is not cashed until your next payday. It is a legal agreement that also comes with high interest charges. Depending on the state it can be as much as 15% for the first $100 of your loan. If you borrow $600 each $100 you borrow can have interest attached to it.
The amount of money you can get with a cash advance loan varies depending on your income and the state in which you live or borrow the money. Some quick online loan entities are allowed to offer up to $1500 for a cash advance loan. Every state has guidelines that govern these entities, how much they can loan to person, how much interest they can charge and other guidelines. You need to know these guidelines before entering into any agreement with a payday loan lender. You should use this resource under discretion and use this option wisely.