Posts Tagged ‘no credit check’
Tuesday, January 6th, 2009
no moar waten fur cazzh
Waiting is hard when you need something now. Long traffic lights or lines at the post office can drive a person batty. Perhaps one of the most aggravating things to wait for is money, especially when you really need it. Everyone has to wait for their paychecks, but we expect it. But when an unexpected expense pops up, that wait can become almost unbearable. In this situation you might be able to call on your family and friends to borrow some cash, but what happens if they have their own debts to pay? In fact, I was just talking to my mother last night, about some upcoming expenses of mine. She said she would lend me some money, so that I wouldn’t have to acquire any debt, but she was already in debt herself and couldn’t afford to. Luckily these expenses of mine are not urgent and they can wait until I do have the spare cash. I just wish I didn’t have to wait. If I had needed the money now, if I was like most people I might look to the bank for a loan. However, loans from a bank usually take time to process the application. Additionally, most banks have very strict requirements for confirmations, verifications, and qualifications. To top it off, if you don’t have a certain credit score you won’t be able to obtain a loan. All together, it can take up to 72 hours for a bank loan to be approved.
If you can’t wait for your paycheck (or it won’t be enough), and a bank loan takes too long, the alternative is a title loan. Auto title loans, also known as pink slip loans, are loans that are granted to a borrower in exchange for the temporary possession of the borrower’s car title, or pink slip. The borrower gets the cash they need and still gets to drive their car. All you need to do to get a title loan is to fill out an application with references, bring in a clear car title, valid drivers license, proof of income, and the vehicle for inspection. The loan process takes as little as 15 minutes, and you get cash in less than 24 hours! It doesn’t get any better than that. No long lines, and no lengthy background or credit checks. To learn more about title loans visit your local title loan lender today. You can get up to $10,000 with a California Title Loan.
Tags: auto title loan, auto title loans, bad credit, california, car title loan, car title loans, easy application, fast cash, need cash, need money, no credit check, pink slip loans, quick cash, Title Loans
Posted in Personal loans, Title Loans, bad credit, bad credit, credit, credit checks, tips | No Comments »
Monday, November 3rd, 2008
You may have heard the term signature loan used when talking about payday loans. This is because a signature loan is, as the name states, a loan that can be acquired with only your signature, no collateral is required. Paycheck loans are very similar in that regard. Payday loans are a fast and effective way to get a small loan without the hassle of a credit check. Traditional loans often require lots of paperwork, with little cash in return.
Your payday lender can deposit your loan amount straight into your checking account with only a few pieces of documentation. When applying for a paycheck advance loan you give the lender your checking account number and permission to withdraw the amount you borrowed plus interest in about two weeks. After 2 weeks, you might be provided with the choice to renew your loan and extend the borrowing term. However you can only carry one outstanding payday loan at a time. This prevents the borrower from getting in over their heads.
A payday or signature loan can be used for any reason at almost anytime. Payday loans are a very valuable resource when it comes to controlling emergency situations and managing unexpected financial disruptions.
Payday loans, whether they are referred to as cash advances, paycheck advances, payday advances, signature loans, or paycheck loans, have been around for a many years. Recently lenders are becoming more and more competitive, which is great for the borrower. Consumers have the freedom to select a company they feel comfortable with, that offers good interest rates, fantastic customer service and puts money in their pocket where they most need it. When the consumer chooses when and where they want to get their loan they are going to maintain the upper hand and stay in control of their financial decisions.
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Posted in Payday Loans, Personal loans, bad credit, bad credit, credit, credit checks | No Comments »
Friday, October 31st, 2008
Title loans are small loans where the collateral is the borrowers car title. This type of personal loan is easy to get and the application process is simple. Auto title loans are normally short-term loans and the monthly premiums are low. Pink slip loans are a good choice for people that need cash fast and don’t want to go through a bank and credit checks they require.
The title loan process normally takes just 24 hours. The maximum amount you can be loaned is dependent on the evaluation of your car. It is typical for a lender to offer up to 50% of the value of the car. In order to pawn your vehicle, it must be paid off and have a clear title. To begin the loan process the borrower fills out an application, which asks for income information and references. The borrower must then provide the lender with the clear car title and a valid drivers license or state issued ID. Lastly, the borrowers car is appraised to determine its value.
Unlike regular pawn shops, auto pawn title loans let the borrower keep their car for the length of the loan. Every state has title loan regulations in place that protect the borrower as well as the lender. To learn more about title loans in your area, contact your local title loan provider.
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Posted in Good credit, Personal loans, Title Loans, bad credit, bad credit, credit, credit cards, credit checks | No Comments »
Monday, October 13th, 2008
…Or Canadian Thanksgiving if you prefer.
Today I am thankful that our Slingcatcher was delivered this morning before work. We now have all the components of our new television solution. We’re just having some trouble setting up my parent’s network to allow for remote viewing. I can’t wait to see it in action.
If any of you are interested in a Slingbox, use the link below to save some cash.
Special ‘friends only’ offer: Save up to $30 on Slingbox
In other news, my roommate got his credit card this weekend. The interest rate is over 20%, yikes! Not something you’d want to carry a balance on, good thing he wasn’t planning on it.
No matter how much the world changes, some things will always stay constant. There will always be a need for cash when unexpected expenses come along, which always seem to come along at just the wrong time. Today you can be thankful for the evolution of payday advance loans over the last decade, providing a quick solution that is a hassle-free personal loan.
Your finances are your business, and with paycheck loans available online now, there’s no need to trouble your friends and family. Paycheck advances are a simple solution to an age-old problem. Once you decide an online payday loan is right for you, you’ll have to choose the right lender. Different websites will offer different interest rates, which are posted to help you make your decision. Terms and conditions should be considered as well in addition to lending rates. Look for a secure website that will protect your personal information. A good lender should be up front about their policies, and willing to answer any questions you may have.
While there is some disagreement over the “high” interest rates on payday loans, however these rates similar to what traditional banks usually charge for a small dollar transaction. For example, ATM fees are normally $1.50 per $100 transaction and insufficient funds fees for a $100 bounced check can be over 8% APR. Just about any lender is going to charge high interest rates on short-term transactions. Arthur B. Kennickell, a Federal Reserve Bank economist, says, “these finance companies are picking up the slack left from the savings and loans, says it is part of the continuing restructuring of the industry.”
When you are shopping for a loan, keep in mind that loan repayment should be as easy as obtaining the loan. Get all the necessary information up front, before you receive a loan. Generally, the loan amount and interest is automatically withdrawn from your bank by the lender on your next payday. Qualifying is easy, any employed person can be approved for this type of loan. Additionally, no credit checks are performed and most applicants can be approved instantly. What are you waiting for?
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Posted in Payday Loans, Personal loans, Title Loans, credit, saving money, tips | No Comments »
Wednesday, October 8th, 2008
There are times in life that cash is needed for emergencies or other things that just can’t wait. Obtaining a payday loan is one common solution for getting the money you need now. Payday loans are a type of personal loans, and are also known as paycheck loans or cash advances. A personal loan is a loan that offers credit to the consumer and is intended for personal use. This type of loan is most often unsecured and is based on the integrity of the borrower and their ability to pay. Payday loans are defined specifically as a paycheck advance or payday advance; they are small, short-term loans that are intended to cover the borrower’s expenses until their next payday.
One of the biggest advantages of payday loans is that bad credit will not prevent loan application approval. The application process for a payday loan is as follows:
Filling Out A Payday Loan Application
The application for a payday loan includes personal identification information and information for references. A valid government issued ID, bank statement, and pay stub are required to complete the process. The lender then cross checks all your information to verify each item has the same address. References are used to verify your address and home phone number.
The lender will also call your place of employment to verify that you are indeed employed there. The information of a spouse or co-applicant (if you have one) will also be verified.
Application strength is determined based on length of current residency and employment. If the address on your ID matches your current address and you have lived at this loc
ation for a good while, this is considered by lenders to be a strong qualifying factor. Also, if you have been working for the same employer for an extensive amount of time, this makes for a stronger application. A home phone number and multiple references will also strengthen your application.
It is important to keep the above information in mind when applying for a paycheck loan. Having this knowledge and being prepared with all of your information will make the application process quicker and easier. The information provided above is a simple list of the things that are generally considered when an application is evaluated by a payday lender.
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Posted in Payday Loans, Personal loans, credit, tips | No Comments »
Tuesday, July 22nd, 2008
“Fast Cash”, “Bad Credit OK!” and “Instant Approval!” are phrases that you’ve probably heard used when it comes to title loans. This is because title loans have an easy application process and quick turn around times for receiving cash for the loan. Many people think these qualities are related to bad deals, or are red flags when it comes to the lender. In reality, title loans are not as high-risk as you might think.
A pink slip loan usually lasts no longer than 30 days and is considered a short-term loan. A car title is used to secure the loan. Both the lender and the customer benefit from the loan. The borrower receives money when they need it and the lender profits from collected interest. People are most likely to repay their loans if the collateral they provide to the lender is important to them. This is because in auto title loan agreements if the loan is not repaid, the lender may gain possession of the car and sell it to collect the debt owned from the loan.
Collateral helps prevent financial loss for the lender in case the borrower is unable to make the required loan payments. Collateral makes up for any black marks on a credit score. However car title loans are not just for people with bad credit. In fact most title loan lenders don’t even look at a borrower’s credit score.
Title loans are beneficial to the customer as long as the loan agreement is kept. This is true for every loan. No one should take out a loan if they do not intend to payback the full loan amount. To find out more about title loans, contact your local title loan lender.
Helpful links:
www.autopawn.net
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Posted in Title Loans | No Comments »
Friday, July 11th, 2008
As discussed in my last entry, payday loans are a kind of personal loan. Personal loans establish consumer credit for personal use, usually unsecured (meaning it “is a loan that is not backed by collateral. Also known as a signature loan. Unsecured loans are based solely upon the borrower’s credit rating. As a result, they are often much more difficult to get than a secured loan, which also factors in the borrower’s income. However, an unsecured loan is considered much cheaper and carries less risk to the borrower. —wikipedia) and based on the ability of the borrower to pay. A payday loan is by definition a paycheck advance or cash advance. It is a small, short-term loan that is to be used to pay a borrower’s expenses until their next paycheck.
So how do you get a payday loan? Lenders look at the the following to determine whether or not a loan application will be approved:
Applicants must be at least 18 years old and have an active checking account.
• Bank Statement- Before receiving a payday loan, applicants are required to provide a recent bank statement.
• The bank account must have been open for 30 days or more
• The statement must show recent activity. The loan will likely not be more than $100 if there is little to no activity on the account, for example a deposit that is followed by an immediate withdrawal of most of that deposit.
• The loan can be reduced by 50% if the statement shows any of the three items below:
• More than five non-sufficient funds
• A negative balance greater than $200 occurring any time on the statement
• Two or more stop payments
Proof of income
• A pay stub is required prior to obtaining a payday loan.
• If you are unemployed but receive monthly income from Social Security, Disability, etc. an Entitlement Statement provided by you will verify income.
• If you are self-employed, Federal Tax Return statements from the past year will serve to verify monthly net income.
• Borrowers currently receiving unemployment benefits as their sole source of income will only qualify for a loan of $100 or less.
• Only Social Security benefits in the customers name qualify as income when determining the loan amount. Benefits received in you and your child’s name do not count.
Valid Photo ID
• Valid photo ID is required before a payday loan can be issued.
• The ID must be government issued. School IDs, library cards, and Social Security cards will not be accepted.
Personal Check
• A personal check with the borrowers name and address pre-printed on the check must be provided.
• Starter checks are not acceptable
• The signature on the check must read exactly as printed.
• Account numbers must be pre-printed on counter checks.
Subsequent Loans
• Proof of an open checking account is required for subsequent loans. A current bank statement, an ATM statement, or a call to the bank will suffice.
• Proof of current income is also required for each subsequent loan. A check stub, and Entitlement Statement or a call to the employer is valid.
For more information on payday loans visit: PaydayOnlineUSA
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Posted in Payday Loans, Personal loans | No Comments »
Wednesday, July 9th, 2008
In an economy this tough it can be hard to keep on top of things. When your friends and family are living all spread out across the country, or maybe even the world, everybody has their own financial issues to handle. Only a few decades ago you didn’t have a lot of options if you were strapped for cash and required a small loan. Even back then, as it is now, the closest of relatives and the dearest of friends can only help out financially for a certain amount of time. Now a days title loans are so prevalent it is easy to obtain a short-term loan by yourself, alleviating the stress and pressure that money trouble can put on relationships. What’s more, when you make your own financial decisions you maintain your independence.
Title loans are short term, high interest loans that require a clear car title and no credit checks. Interest rates are high due to the fact that they were originally created as interim loans. Because there are no credit checks, title loans can actually improve your credit score by reducing the number of inquiries in to your credit history.
Creating a realistic plan for paying off your loan will help it benefit you the most. First decide how and when you can make payments toward the principle and the interest. Just like any loan, don’t fool yourself. Consider what you really need and get in over your head.
Even though you may be more aware of other kind of loans, including home loans, home equity loans and car loans, title loans have existed for ages and are quite popular in the financial world. For every property that requires a title, there is a title loan to go with it. If a lender is willing, you can secure a loan with any title. When it comes to short-term loans, loans on car titles are the most accessible by far. The best thing about a title loan is that the borrower gets to keep their car for the duration of the loan. This is another way in which title loans allow you to be independent while dealing with your financial requirements.
For more information about title loans visit www.AutoCashUSA.com
Tags: auto cash, auto money, auto title loan, auto title loans, AutoCashUSA, car cash, car money, car title loan, car title loans, credit score, fast cash, finacial independence, interest rate, no credit check, payment plan, personal loan, short-term loan, title loan, Title Loans
Posted in Personal loans, Title Loans | No Comments »