Tick, tick, tick, tick…

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 [...]

Are You Maxed Out?

I hope everyone had a great holiday. I know I did, but maybe you didn’t make it through the holidays in the best shape. Perhaps you have hit the limit on your credit cards and now you have to pay them back. You have been making phone calls all over town asking to borrow money. [...]

Loan Types

If the world was perfect, everybody would have the money they need when they need it. It is unfortunate, but the world is not going to wait for the timing to be perfect to throw things your way. This is why loans are necessary. Loans have been around as long as the concept of ownership [...]

The Title Loan Process

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 [...]

No joke, no TV

We STIIIIILLLL don’t have TV. The installer for Dish could only get a signal from the HD satellite, and the channels really weren’t what we wanted. It wasn’t worth the price. Aside from that, there was no place to ground the satellite, so if it got struck by lightning our TV would have gotten fried. [...]

credit cards vs. cash advances

Payday loans and credit cards have a few things in common. Both are personal loans, a loan in which a lender does not secure the loan with any property. Interest rates of these two products are similar as well.

Why Title loans Easy To Get

“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.

Title loan myths

Critics of title loans say that title loans create bad credit issues and unnecessary debt. Title loans are like any loan, in that if the borrower does not make the payments on time, their credit score will be negatively effected. This fact is true not just for title loans. Including a car as the collateral in title loans helps to motivate loan payback. This can be viewed as a positive way to keep people out of debt. When people value their collateral they are more likely to repay their debts. Most people would not use their vehicle as collateral for a loan if it were not necessary. Credit cards are much more likely to cause unnecessary debt. Some people just do not understand the damage that credit cards can cause to their credit. Unfortunately, by the time people start to appreciate the value of a good credit score, they have already tainted their credit with “unnecessary” spending with the use of a credit card.

Avoiding Payday Loan Mistakes

What’s the Catch?

Payday loans are convenient ways to get cash when you want but if you don’t use this option wisely, it could simply be the cause of your financial ruin. Here are some of the worst mistakes people make …

Unsecured loans, more secure for you

If you need immediate access to money, but don’t want to risk loosing your car, consider an unsecured loan, which are not secured against any of the borrowers assets (such as their vehicle). This type of loan is available from many financial institutions under a variety of conditions and branding. Unsecured loans can be obtained via credit cards, personal loans, bank overdrafts, credit facilities, and corporate bonds.