Payday Loans and Fast Cash Guide

3 Reasons That No Fax Payday Loans Are Smarter Than Traditional Ones

No fax payday loans are a fairly new phenomenon, and I think that many people still doubt the fact that they actually work.  This post is intended to help those people understand them and see why they’re better than getting off your butt and heading to the payday loan store.

First off, a no fax payday loan (also called a faxless payday loan) is an online loan that doesn’t require you to fax any paperwork over to be approved or get your money.  It might seem odd that you can get a loan without actually having to sign anything, but all of those details are included in the application process.  This is a completely legit way to get fast cash.

So, why are faxless payday loans better than going directly to the payday lender?

  1. It’s safer. Internet security has improved by leaps and bounds in the last few years, which is why these loans can exist in the first place.  It’s just like shopping online and all of your information is secure and safe.  There’s also no physical cash that changes hands, which can be risky when your payday lender is in a bad neighborhood and there are people waiting outside that know you just got some cash!
  2. It’s faster. Not having to fax anything, deal with lines at the lender, or have an actual human approve your loan will speed the entire process tremendously.  This is also good for you because there is no opinions or human error involved.  If you meet the criteria that the lender has set for their approval process, you’ll get the loan.
  3. It’s easier. You don’t have to go anywhere, you can even apply for a loan right here on this site!  It really doesn’t get much easier than that!  The money is even deposited directly into your checking account so you don’t even have to go to the bank.

As you can see, no fax payday loans are the best choice when you need to get a fast cash loan.  If you have all day to spend at the payday lender and a good way to protect your cash, go ahead and head down to your local lender.  If not, take care of everything you need right here!

What’s The Best Place To Get A Fast Loan?

When searching for a fast loan there seems like too many options to be sure that you’ve made the right choice.  Everyone knows that when stress is high we make bad decisions, and the stress of being broke and needing fast cash is higher than just about anything else!  So what do you do to make sure that you’re getting the best fast loan?  Start by taking a deep breath and reading through the rest of this post before doing anything else!

Fast loans come in all shapes and sizes.  Payday loans, title loans, personal loans, or even a loan from your mom.  The most important thing that you can do right now is determine what your current situation is like and how much money you actually need.  If you have a steady job and make decent money, a payday loan is probably the best choice.  If you have a car that’s been paid off, go with a title loan.  If you have great credit, get a fast personal loan from a bank or credit union.  Each situation calls for a different choice, so be clear with where you’re currently at and you’re on your way to making a good decision.

Knowing exactly how much money you need will help save you from making the dumb decision of borrowing too much or too little money.  If your refrigerator is broken and you need it repaired, figure out exactly what it costs to fix it before getting a loan.  Borrowing too little causes obvious problems, but borrowing too much can be an even bigger pain in the ass.  If you end up getting too much cash you’re going to have a problem paying it back.  Think about how much your groceries are going to cost when you are paying 140% APR on borrowed money!

When you’ve determined what you need and what method to use you should spend some time researching online and in your area.  Fast loans vary a lot in their price, so be sure to get a few quotes before making a final decision.

Clearing up your situation is the best move to ensure that you make the best decision on a fast loan.  Don’t let the stress that you’re feeling cloud your mind, relax and know that there is help out there.

Where To Find A Bad Credit Car Loan

I know that a bad credit car loan isn’t exactly fast cash, but I feel that it fits the overall theme of this site and helps people who are financially down on their luck get to where they need to be!  Bad credit doesn’t always have to hold you back, whether it be a car loan or a payday loan.  When there’s a will, there’s a lender!

The biggest problem that you’re going to face when applying for bad credit car loans is the price that you’ll pay for it.  People with good credit will always get the hook up on their loan, for those of us that aren’t that fortunate (or responsible) we have to swallow the fact that bad credit loans are expensive!  The reason that these loans cost more than the good credit type is that when your credit score sucks banks have you predetermined as high risk.  This increased risk is then offset by the lender by charging you more for it.  They figure that if a high risk borrower doesn’t end up paying the entire loan back they should get as much as they possibly can for they payments that they do get.  I’m sure that you’ll do your best to repay the loan, but there are lots of people that don’t.

There are lenders that specialize in car loans for bad credit, and many of them will operate from inside used car lots.  They specialize in figuring out how to get you the money that you need to get yourself a new or used car.  They’ll usually finance your loan and sell you the car at the same time.  This can be easy, but it’s not the only way to go.

If you’re more comfortable getting your loan from somewhere else you have a few other choices.  I would always try your local credit union first.  They are much more likely to give car loans for people with bad credit than a bank will, and their interest rates are going to be much, much better than a bad credit lender will.  If you have no luck with a credit union, seek out one of the bad credit lenders in your area.  Be sure to get quotes and the typical APR from at least two or three of these places before you apply.  Their rates can vary wildly, so spending time researching can save you thousands of dollars in the long run.

Don’t let your bad credit stop you from getting a new ride.  You can get a loan, and you can help build your credit score back up by successfully making your payments each month.  Use this as an opportunity to improve your quality of life and your financial situation in the same move!

Save Money With Check Cashing

Not having a bank account sucks, but with a few tips you can make check cashing work for you without breaking the “bank”.  There are dozens of check cashing locations in every town, and they’re usually centered around the downtown and working class neighborhoods.  They figure that these are going to be the places that will draw the highest traffic of people that are stuck without traditional finances.  There are tons of reasons why you wouldn’t have a checking account, and check cashing stores (and I) don’t care what your reasons are.  I just want to show you how to not get ripped off by them!

The good thing about there being lots of check cashing places in your town is that you have the option to shop around.  Their rates can vary from 2% all the way up to 8% or 10%.  If you live somewhere that has more than a few in close proximity, be sure to call ahead to check what their rates are before hitting the road.  The difference between 2 and 8 percent on a $1000 check is $60!  That’s enough to make anyone spend a few minutes finding the best rate.

After you find a check cashing service that won’t rip you off, stick with them!  Check cashing fees generally go down after you have been using a company for a while.  Most of them will have a higher introductory rate, and from there it goes way down.

Also, some check cashers use different rates for the amount that you cash.  They’ll charge higher rates for smaller checks, so if you’re only cashing a small check it might be a good idea to hold on to it until you can cash more (if that’s at all possible).

Don’t forget that banks cash checks as well.  If you’re cashing your paycheck look at the front to see what bank your employer uses (Bank of America, Wells Fargo, etc.) and go there to get it cashed for cheap.  I know that Wells Fargo only charges $5 for each check that you cash that is from one of their account holders, just be ready for a sales pitch about opening an account.  If you can do that, you’ll save a ton in cashing fees.

Even if you don’t have a bank account you still have the choice to save money when getting cash.  Spending a few extra minutes to figure out where to cash your checks can save you a ton of money down the road.

Where To Turn When You Need Money Now

Take a deep breath.  If you need money now, there are places to get it.  The situation that you’re in right now will determine where you get it from, but I’ll offer some options that are all legal and fairly easy.  One important thing to think about is how you ended up in this situation and how to prevent it from happening again (but I’ll save that for a different post!).

This post will outline some options for when you need money right now, and will be in order from the fastest to slowest.  The decision you make will depend on how fast you need cash and what you can do to get it.  These certainly aren’t the only options for fast cash and your options are really only limited by your imagination and resourcefulness. When you need fast money it’s easy to just jump in and get a loan, but there are also other options out there, so be sure to read through this entire post before making a decision.

Ideas To Get Money Now

The first and fastest option for fast cash is to get a loan.  Payday cash advances and title loans are always available and can usually put money in your pocket today.  In order to get a payday loan you need a job, an ID, and a bank account.  For title loans, you need a car that’s paid off, the title, an extra key, and an ID.  Some title lenders don’t require that you have a job to get a loan, so getting a loan while unemployed is an option.  Neither of these loans require a credit check, so they’re options if you need money now with bad credit.

If you aren’t comfortable with a short term loan like that, you can turn to the pawn shop.  I’m sure that there’s some crap laying around your house that’s worth some money.  Pawn shops usually accept and pay the most for electronics, tools, guitars, jewelry, and guns.  If you have other stuff, like books, CD’s, and movies, you can sell them at local record stores and book stores.  Any place that sells used whatever you want to sell will probably buy it from you.  This is the route that I take when I need money now.

Having a skill or good looks can help you get a job that pays cash.  You can do odd jobs, mow lawns, wash windows, or even strip for cash.  I’m sure that many people aren’t comfortable with the idea of becoming a stripper, but clubs are always looking for new talent and you’ll certainly make some cash!

If you’re willing to wait a few days to get your money, you can turn to the internet.  Selling stuff on eBay is always a good way to make some fast cash.  This falls into the same category as the pawn shop does, but it requires some online skills as well as a camera and a Paypal account.

There is hope!  Just get out there and make some fast cash.  If you need it, you can get it.  Use this guide as a starting point to figure out what you’re good at and how you can use that to get money when you need it (like right now!).

Thanks for reading,

Lydia

Title Loans

Title loans are a great way to get fast cash.  They certainly have their risks, but title lenders are renowned for the speed that they can get you cash in.  Some auto title loans will get you the money that you need in minutes.  You read that right, minutes!  All you need is to own your car and have it paid off to qualify for a fast cash auto title loan.  There isn’t a credit check involved, and sometimes you don’t even need to show that you have a job, so no credit check loans are certainly available.

Auto title lenders have come under scrutiny as of late for their lending practices.  They were regularly lending amounts of money that the borrower would have no chance paying back within the term.  Part of this blame has to be put on the people borrowing the money, the title lender was doing their job and lending money, the borrower shouldn’t have agreed to accept a car title loan that was so far out of their means.  With this in mind, don’t fall into this trap.  If they offer you a ton of money and you only need a part of it, only borrow a part of it!  If you can’t handle that kind of responsibility, you should look into a payday cash advance.

How Title Loans Work

You can get a fast cash loan for your car title by finding a lender in your area that offers fair rates and has good business practices.  They’ll evaluate the price of your car and offer you a loan based on your cars value.  Usually, the max loan that you can get is 50% of the car’s total value.  Some lenders (especially here in California) have a minimum value that a car must be in order to get a loan, usually more than $5000.  This doesn’t mean that you’re out of luck getting car title loans if you drive a hooptie, you just need to shop around and find a lender that doesn’t have the minimum.

In order to get approved for your car title loan and get cash fast, you’ll need to be able to prove your identity (driver’s license), an extra set of keys to your car, and a copy of your car’s title.  Some lenders have programs that help people who don’t have a copy of their title.  Be sure to check your glove box thoroughly before deciding that you don’t have a copy of it, since that’s where it usually hangs out.

The Risks Of Car Title Loans

A title loan is certainly not without its risks, and these risks are pretty great.  It’s almost too easy to get approved for a title loan and many people fall into the trap and end up losing their car and a lot of money.  Since a car title loan is a secured loan, your vehicle is the collateral to back it up.  This means that if you don’t pay the loan back, they own your car.  So not paying your loan means that you lose your ride.  In some states, they don’t even have to give you the money they get from selling your car!

The title lenders know that lots of people aren’t going to pay their loan back, and they build this into their business model.  They make almost as much money repossessing cars as they do in interest and fees on the loans.  They take repossessing cars very seriously, and one title lender in Arizona went as far as to install GPS trackers into the cars so that they could find them if they needed to be repossessed.

Don’t let these scary thoughts turn you away from title loans.  If you’re responsible about the amount of money that you borrow and are diligent about paying it back, it’s a very viable option for getting fast cash.

My Title Loan Story

I had lost my job and had started a new one a few weeks later.  My first paycheck hadn’t come yet from my new job and I was stuck without money or proof of employment.  The only place I could turn was a title lender that didn’t require employment.  I was able to get about $600 and was able to pay it back without problem.  After reading the fine print on the loan, I’m very glad I was able to pay it back.  Without my car I wouldn’t have been able to get to my new job!  Viva fast cash!

Thanks for reading!

-Lydia

Fast Cash With No Job

Getting fast cash with no job is easier than you probably think it is.  It’s extremely easy to get down on yourself when you’re broke and jobless, but as long as you keep your brain working and your resourcefulness up, you can get out of any jam you may be in.  Fortunately, there are loans for the unemployed, and if you can’t get approved for one of those you can turn to some more old-school methods.  I’ll show you some ways to get fast cash without a job.

Loans For The Unemployed

When you’re without a job there isn’t a whole lot you can offer as a payment for a loan, but the few things that you do have work great to help you get approved.  Since the economic recession that we’re in began, payday loan lenders saw a huge opportunity for them to capitalize on, the jobless!  This means that many (but not all) payday lenders will have a program that will give cash loans for the unemployed, but the catch is that you have to have some other sort of monetary benefits coming in.  These benefits can include unemployment, social security, and other government checks that you regularly receive.  Like I said above, not all cash advance lenders do these loans so be sure to call ahead or research the ones in your area that do.

Another loan that you should look into if you’re unemployed is title loans.  Auto title loans don’t always require proof of employment for approval.  What you do need is a car that’s been paid in full, the title, proof of who you are, and an extra key.  Be careful with these lenders though because they’re notorious for lending way more money than a person has a shot at paying back.  If you fail to pay the loan back they’ll repossess your car!

Sell Stuff For Fast Cash

I’ve beat this topic to death here on Fast Cash Authority, but it stands to be the best method for getting money in a pinch.  Take all the crap laying around your house or apartment and go sell it!  You can sell stuff at pawn shops, used book stores, scrap metal recycling places, anywhere that offers money for used stuff can get you paid.

Fast Cash With Seasonal Work

You have to be good at something, everyone is, and learning to put those skills to use can help you make ends meet when you don’t have a “real” job.  If you’re good with kids, babysit your friend’s.  If you’re a great basket weaver, sell baskets at craft fairs.  If you’re an exhibitionist, become a stripper.  There are tons of options out there but you have to figure out what it’s going to take to put your skills to use.

Most importantly, don’t give up hope.  I’ve been in your situation before and the time will come when you can look back on it and laugh about how broke you used to be.  Use your smarts to get you out of this, even if it means not getting a job.  You can get fast cash with no job, but you have to go out and do it!

Thanks for reading,

Lydia

Get Your Fast Cash

Trying to figure out where to get your fast cash?  With so many different websites and lenders trying to sell you something or get you to borrow money from them, how do you decide?  It’s tough, you have to learn to filter out the B.S. and be able to see what’s legit and what’s not.  In this post we’ll take a look at fast cash loans, and show you some ways to make an educated decision on which one is going to be the best for you, without getting ripped off.

With so many different possible scenarios that you may be in, I can’t say, “go to XYZ Payday Lender, they have the best rates.”  There are different laws and regulations in each state that prevent there being a blanket answer to the question of where you should get your fast cash.  Your situation may be different as well, some lenders are much more lenient than others and can provide money to people that other lenders can’t.

Get Your Fast Cash Loan

When you’re looking for a loan, payday loans are the most common choice.  There certainly are other choices, but since these are what’s used 85% of the time, that’s what we’ll discuss.

If you’re looking to get the best rate on a payday loan, you’ll have to shop around.  You have two options for how to do this.  You can browse online or look around in your city.  I recommend starting online (since you’re already in front of the computer).  When browsing online, you’re going to come across two different types of websites; lenders and lead generators.  If you want to deal directly with a lender, you can go that route.  If you want to have someone shop around for you to get the most money, go with a lead generator.

How do you tell the difference?

The simplest way to tell the difference between lenders and lead generators is if there is a box for customers to login, it’s usually a lender.  Lead generators aren’t going to have return customers, so they don’t need it.  A lead generator will generally only have a contact box that you fill out and have lenders contact you.

If you take the route of lead generators to get your fast cash, be ready to have a ton of people calling and emailing you with loan offers as soon as you fill the contact box.  That’s how that side of this business works.

Getting The Best Rate

Many lenders aren’t going to be up front about their rates.  If you find a payday lender that is, you’ve found an honest and legit business.  Keep in mind that the average interest on a payday loan is $25 for each $100 borrowed, so use that average when determining if you’re actually getting a decent rate or not.  You’re going to have to look through a ton of different sites to find a smokin’ rate, but some patience will help you get your fast cash cheap.

Get Your Fast Cash Locally

If you don’t want to use the internet to get fast cash, you can turn to the payday lenders in your area.  The most useful tool in this process is the yellow pages.  Most local payday lenders will be helpful when you call them, so grab the phone book and start dialing up lenders in your area.  Ask them what their rates are like, how they accept repayment, length of terms, and what paperwork you need to get approved.

If you follow these steps you’ll have no problem at all getting your fast cash.  I hope that I was able to clear some things up in a very confusing industry.

I Need Money Now!

There have been lots of times that I need money now, and through my resourcefulness and experience I made it through each time.  Luckily for you, I’ll share what I know with you so you don’t have to figure things out the hard way!  There are lots of different options for you to choose, and it’s really hard to say which one is the best without knowing what your exact situation is like.  Because of this, I’ll go through the most effective ones only to show you what has worked for me when I need money now.

The most important thing that you can do right now is to keep yourself from panicking.  Being broke is extremely stressful, but if you let that stress get to you, you’re not going to be able to think and act clearly to get fast cash.  This is a time that you have to be at your best, so get yourself together and calm down a bit.  Things will work themselves out!

I Need To Borrow Money Now!

When I need to borrow money right now I have a payday loan lender that I trusts and trusts me.  If you meet the qualifications for a payday loan, there isn’t any safer or more reliable source of instant cash.  The qualifications are pretty simple.  You’ll need a job, proof of who you are, and a checking account.  There are some payday lenders that will work with savings accounts, and others that will loan money if you don’t have a job.  These lenders are much less common, but they’re out there.

Online payday loans may even be a better source for instant cash, simply because they operate much faster than their store counterparts.  The entire approval process is automated with a no-fax payday loan, so there is a good chance that you’ll have the money that you need within an hour.  Payday loans really work, but you must be sure that you’ll pay them back or you’ll end up in worse shape than you are now.

To find the best payday lender you’ll have to do some research (don’t worry, it doesn’t take long).  Find a few websites and see what they have to offer.  Most payday lenders are fairly similar, but each will have different interest rates.  If you can spend ten or fifteen minutes now to find the best rate, you’ll save a ton of money when you have to pay it back.

I Need To Make Money Now!

There are also cash paying jobs out there that will put money in your pocket today.  These jobs certainly aren’t for everyone, but if you have the right skill-set they can be very lucrative.  The most common cash paying job is becoming a stripper.  Strippers don’t make a little bit of cash, they make a lot, and if you have what it takes and what it doesn’t take to do it many of your cash problems could be solved.  Most clubs are always looking for new dancers and can probably get you on the stage tonight if you’re ready to do it.

Other cash paying jobs are bartenders, servers, and bouncers.  Each of these jobs takes their own experience and skill level, but if you have it you should do it!

Other Ways To Make Money Now

Here’s a short list of ways to make money now:

This certainly isn’t an all-encompassing list, so you’ll have to figure out what you’re good at that could get money now.  Everyone is good at something, it’s just a matter of figuring out how to get paid for it!

Thanks for reading,

Lydia

Low Interest Payday Loans

I needed money on three occasions and I went online to find payday loans with low interest. The many companies all had competitive loan rates and I learned that the company had integrity. The check was in my account within 24 hours. All this after answering a few questions online. The loan was taken out until my next paycheck and then promptly paid. Since the loan was for only two weeks the interest was negligible. High interest will not be excessive for small amounts ($400) and a short duration.

Two other times I followed the same procedure. The loan was paid back promptly in approximately two weeks. The company explained what I already knew, the loans are for emergency purposes, not for non-essential reasons. The other two loans I signed for were for auto repairs. I was far from my place of employment and the public transportation was unreliable. Losing my job for tardiness was not an option. The final loan made to me was for a surprise party and presents for my son. His sadness on not receiving the promised gifts, also was not an option for me.

Low Interest Payday Loans are in existence for good social purposes. When the banks who charge high interest rates on their credit cards attack the Payday Loan companies, it is unfair. The credit card companies do not want the competition and use false moral arguments to denigrate the Payday Loan companies. The banks cannot in honesty state that they alone should be allowed to issue loans. Competition is required to give people choice.

In these times when fast cash is needed for a short time, these loan companies are lifesavers. When there is no place to turn for cash, low interest rate payday loans supply you with needed services. Consider low interest payday loans online, the next time you are in a tight financial situation.

Money Order Scams

I know that I’ve been on a kick lately about helping to protect my readers from trouble, and money order scams are no different.  I feel that it’s my responsibility to show you some of the shady stuff that goes on with people looking to give/get fast cash.  For every legit payday lender or pawn shop owner, there are dozens of other snake-oil salesmen out there that want nothing more than to take advantage of you.

How Do Money Order Scams Work?

There are a lot of variations of the scam, but they all have the same basic premise that takes advantage of you and your bank.  In essence the con artist will send you a money order that is counterfeit or fraudulent which you deposit into your bank.  Your bank will then allow you to withdraw some or all of the money right away, before they figure out that the money order is fake.

The most common occurrence of the money order scam is on eBay or Craigslist.  You have something for sale and someone buys it using a fake money order, and you’re screwed.  This usually happens from international buyers that say that they have a hard time using their credit card or some other form of payment to buy your wares.  Many times, they’ll even offer to pay more money than the item’s value and the shipping costs to entice you into accepting the money order.  After you ship the item and the bank denies the money order, there isn’t much you can do.

The Nigerian money order scam is similar to this.  There are many variations of this so if you see something similar, stay away!  This scam usually starts after receiving an email from a Nigerian prince/princess/millionaire that says their money is stuck in a bank in their country and they need your help to get it out.  They send you a check or money order (which is, of course, fake) which you are supposed to deposit and wire a portion of it back to them.  You make money by keeping a percentage of the funds.  Obviously this is fake, so don’t fall for it!

What Can You Do?

The most important thing that you can do is to not consider this a way of making money!  If it seems too good to be true, it probably is!

If curiosity is getting the best of you and you want to pursue something like this you have to take a few precautionary steps to make sure you don’t end up in trouble.  The first and easiest step is to ask them to issue you a check or money order from a US bank that operates in their country (Wells Fargo, Bank Of America, etc.).  If they say no, the deal is off.  That is a major red flag.  Secondly, trust your gut.  Consider how realistic an offer like this really is and how risky it could be for you.  If it doesn’t pass the gut check, turn it down immediately.

Cash Loan For A Car’s Pink Slip

Getting a cash loan for a car’s pink slip is one of the easiest ways to get fast cash.  The only requirements for these loans is proof of who you are and your car’s pink slip.  Some lenders don’t even require proof of employment, so this may be an option for getting a loan when unemployed.  Let’s take a look at what is involved in getting an auto title cash loan, and the risks that are involved if it’s not paid back.

After deciding which lender you’re going to use, pay them a visit.  They’ll take a look at your car and determine its value.  The value of your car is what decides how much cash you can be lent.  Some lenders (more common here in California) have a minimum value of a car in order to give the loan, for these situations the minimum is usually around $5000.  After the value is determined, you’ll usually be lent up to 50% of the car’s value.

After being offered a loan amount, be very careful that you don’t borrow money that you can’t afford to repay.  Title lenders are known for lending way more money than the borrower could pay back within a reasonable amount of time.  They can certainly be helpful for those that are down on their luck, but their “generous” lending amounts can put some people in more trouble than when they were when they started.

If you can’t repay the loan expect your car to be repossessed.  There is usually a “grace” period before they send out the repo-man, but during this period you’ll incur huge fines and penalties.  Pink slip lenders are very serious about getting their money back.  One lender in Phoenix is so serious they install GPS trackers into all of the cars they lend against so that they’ll be easy for the repo-man to find later.  Be sure that you know what you’re getting yourself into before accepting this type of loan.

I’m certainly not trying to scare you away from pink slip loans.  Just be aware that the lender is certainly not on your side and wants every penny they can get from you.  If you’re responsible with repaying the loan on time and don’t accept more than you can afford, you’ll be very successful with title loans and have one more option for getting fast cash.

Thanks for reading,

Lydia

How To Spot A Fast Cash Scam

If you think that you’re looking at a fast cash scam, you probably are.  The old saying goes, “if it walks like a duck, and talks like a duck, it’s probably a duck!”  There are some qualifying factors that you can spot that will be sure fire signs that something is a scam, and we’ll go over those in this post.

The most important thing that you can do is to trust your instincts.  We have that “sixth sense” built into us for a reason, and if it looks or sounds fishy step away!

Fast Cash Scams

The internet is full of con artists.  This stems from the ability to hide behind an avatar or fake email address.  I probably see, and can spot, these more than most because I consider myself an internet marketer and deal with the shady side of the internet on occasion.  If you have the ability to spot a scam, you’re well on your way to saving your ass in lots of different ways.

There are some tell tale sign that will always lead you into a scam.  The biggest and most obvious is an offer of free money.  Money is never free, and if it was it would ruin the entire financial system of the world.  There’s always work or a catch involved.  Most of the time you have to pay a little bit of money to get your “free” money, and then after paying your small fee you have to keep paying it as a “membership fee” to keep getting free money.  Now one might say that is an investment, but we’re not dealing with the stock market, we’re dealing different con artists.

Another common type of scam is the ebook or course that guarantees a six-figure income online in just a few weeks.  Making money on the internet is tough work, and if it was that easy the entire world would be glued to their computers all day making a killing.

Are Payday Loans A Scam?

The easy answer to that question is not all of them are a scam.  There certainly are some shady cats in the payday loan industry, but the few bad apples give all the tasty ones a bad name.  Most of the outrageous claims that they make are to get your attention and have you use their service instead of a competitors.  90% of all payday loans are the same, with the same interest and same speed.  The other 10% is broken into the low cost payday loan and the scam artists.

The most important thing is to trust your gut when you think that you may be facing a fast cash scam.  If you still aren’t sure, take a day to think about it and if it still makes sense then, go for it!

Get Fast Cash With Data Entry Jobs

Many people have used data entry jobs throughout the last few years to make ends meet and get the fast cash that they need.  Many of these jobs are freelance, and you can work at home, right on your computer.  Freelance data entry has become even more popular as of late, due to the huge amount of people starting businesses online and needing an extra hand.  What this means for you is that you can capitalize on it and make yourself some money!

Data Entry Jobs, An Opportunity for Hard Times

Data entry is basically entering data into a specific type of system for the medical, legal or any commercial industry. As early as the late 1950′s, data entry arrived on the employment scene as viable means of income. In those days, mag card, micro fiche and early DOS computers aided in entering various types of data into a system or program. Incomes ranged from $18K annually to mid 20′s. Skills and experience were crucial to earn higher salaries. The number of records entered per hour as well as keystroking speed determined data entry operators’ salaries. Most of these jobs became obsolete when high speed computers emerged. Data Entry today is an opportunity for hard economic times. And, many can be done from a home office.  Speed is the key with data entry jobs at home.

Full-time or Part-time Work

Work at home data entry jobs at present can be full or part-time, depending on the nature of the data entry work. Salaries depend on the type of data entry required. For instance, many large online companies offer the opportunity to earn fast cash with data entry work that is mainly focused on order entry into their order system. Data entry is a huge opportunity for cash-strapped individuals who can input records quickly and have a good keystroking speed equal to at least 40 words per minute. This is a definite consideration for anyone who needs the insurance of additional income.

My Experience With Data Entry Jobs

From personal experience, there are numerous avenues of opportunity to earn an additional $400 a month on a part-time basis by simply working with an online company that pays for ezine articles. In this case, the pay is based on two things: per word pay and per page views by search engine users. So, with good use of English language, punctuation, information research and knowledge of Search Engine Optimization, it’s possible to earn an additional income of up to $1,000 a month for full-time work. This is very different from past experience entering payroll records for a large data entry company in the past. Choose data entry jobs that don’t have a high “burn out” level due to monotony.

Data entry jobs can be painfully boring, but when you work at home you have the leisure to break up your time, or listen to your favorite music while you work.  Don’t forget that working from home requires a high level of discipline to stay focuses and complete your tasks.  It’s really easy to just invite your friends over or flip the TV on instead of entering data!

Thanks for reading,

Lydia

Fast Cash On The Internet

Fast cash on the internet was at one time very easy, nowadays you have to be a bit more careful.  There are still options abound, but most of the super easy ways have gone by the wayside.  I’ve spent lots of time trying out these methods and have found the two that I know will make you money today, without having to put in a whole lot of work.  I would venture a guess that 99% of all make fast cash on the internet programs are a scam.  The two that I’ll show you in this post are legit, and I know because I use them both!

I’m not going to tell you that these are the only options out there.  They are two of the safest and most reliable.  In some situations you’ll have to spend a few bucks to make a lot more, but most offers are free.  If you’re willing to spend an hour or so a day doing this, you’ll certainly make a few hundred or thousand bucks a month.

Fast Cash With Cash Crate

Cash Crate is one of the oldest and most reputable survey and free offer sites on the web.  They have two different types of offers.  The free and easy ones are the surveys.  These surveys will only take a minute or two to complete and will pay upwards of $.75 for each one.  There are also offers that you can complete that may cost you a buck or two, but will pay out $20 or more.

The way I used Cash Crate when I started out was doing the free offers for the first month.  I made a bit under $500 and then used that money to pay for the paid offers the next month.  When I was doing this religiously, I was averaging $1500 each month.  This isn’t an autopilot system, you have to keep it up if you want to keep making money.  The “work” isn’t difficult by any means, but it does get a bit monotonous after a few hours.

Fast Cash With Project Payday

Project Payday is my new favorite way to make fast cash online.  The best part is that they’ll pay you if you don’t make any money in your first day!  That goes to show how serious and confident they are in you making money!

You make money on Project Payday by signing up for free offers.  To sign up you’re going to need a credit card, and cancel all orders before they charge you (you usually have two weeks).  You can expect to make at least $50 a day if you spend the time on this.  Project Payday also pays weekly, so you’ll get your cash fast!


Make Extra Money For Christmas

If you need extra money for Christmas, you’re not alone!  This a hard time of year for millions of people.  We all want to give our loved ones the things that they really want, but when times are tough we simply can’t afford them.  Most people will charge up their credit cards during November and December, and spend the rest of the year trying to pay them off.  What if you could do it differently?  What if you could earn that money and not have to pay it back?

There are tons of different ways to make extra money for Christmas, and the opportunities are different in each city.  The thing that remains the same is that there is ton of money being spent, and you have to figure out how to get a piece of it.  I’ll go through some basic ideas in this post.  Take these ideas and apply them to what’s going on in your area.

How To Make Extra Money For Christmas

Seasonal jobs are everywhere during Christmas time.  Get in your car and see where all the other cars are, that’s where the money is being spent and where you can go get some extra cash.  If it’s the mall, go from store to store and see what seasonal positions they’re looking for.  Most will be easy, part-time jobs that don’t require much experience.  You can usually get these gigs with a smile and a good attitude.

Another great place to look for these jobs is on craigslist.org.  Go to your city and click on the “ETC” link under the job listings to see what odd jobs are available.  Some of these are going to be easy jobs that you can complete in a day, while others will be help for the whole season.

Make Stuff To Earn Extra Money For Christmas

If you can make crafts or cook well, you can make a ton of extra money during the holidays.  I have a friend that makes a really good pumpkin pie, and she sells a few hundred of them to coworkers and friends during the holidays.  At $10 a pop she makes enough money to fund her Christmas presents and kick off the new year with money in the bank.  Her recipe came off the internet, and she bakes off a few of them in the beginning of November for people to eat and tells them that she’s taking orders.  Super easy, and super profitable.  Tamales are also a popular and easy thing to make and sell during the holidays.

If you’re good with crafts you can make wreaths, ornaments, or other decorations.  People eat this stuff up, and if you have something that you can make you’re going to do well.

Get A Loan

If you can’t figure out how to get extra money for Christmas and don’t have a skill, time to get a job, or credit cards, you can always go get a loan.  Short term loans are great to help you cover the expenses of the holidays.  Payday loans carry a high interest rate, but are very convenient and easy to get.

Fast Cash No Credit Check

Fast cash with no credit check is available and easy to find, when you know where to look…

No credit check loans are becoming more popular each day as the economy continues to decline.  This sucks for the overall population, but good for you in your situation!  The poor economy has opened all sorts of opportunities for people to get loans that were never around before (payday loans for the unemployed?!).  I’m sure you want me to stop rambling and show you were to find these types of loans…

Payday Loans

I would venture a guess that more than 90% of all payday loans do not require a credit check.  These are the easiest fast cash loans with no credit check.  All you need to get a payday loan is a job, a few paycheck stubs, your ID, and a bank account.  Each payday lender is going to have their own specifics for these loans, but these are the basics.

Payday loans are repaid by either writing a post dated check for the total amount due, or by having the lender directly withdraw the money from your bank account.  If you’re offered a choice between the two, go with the post dated check so the lender doesn’t have access to your account.

Even though these loans don’t require a credit check, many use a service from a company called Teletrack to see what your financial history is like.  They’re not looking at credit score, but rather if you’ve written bad checks recently or have outstanding payday loans.  Not all payday lenders use this service, and in order to get around it you’ll have to spend some time contacting lenders to see where you should apply.  It’s really easy to do this online, and if you have no luck there get a phone book and start dialing.

Title Loans

Another good way to get fast cash with no credit check is with title loans.  These loans require that you have a car that is paid in full, but you can get quite a bit of cash in just a few hours.  In order to qualify you need the title to your car, your ID, and an extra car key.  The amount you’re able to borrow depends on the value of the car, and most title lenders will go as high as 50% of the car’s total value.  Each lender has their own specifics on whether you keep driving your car while the loan is active, so check out a bunch before you decide on which one is right for you.

These loans are usually to be repaid in full at 30 days.  If you don’t have the money, you can usually file for some sort of extension, but use that as a last option.  Do everything you can to repay the loan.  You can begin that by only borrowing what you need, instead of what you’re offered.  Title lenders are notorious for lending too much money, leaving the borrower unable to repay the loan.  If you don’t pay the loan back, they’ll repossess your car.

Other Fast Cash Loans No Credit Check

Your mom probably isn’t going to check your credit!

All kidding aside, there are a few other options.  You can get a cash advance from your employer that will front you money from your next paycheck.  This is becoming less common, but many small businesses will still do it.  Also, you can get cash from your credit card if you have one.  This is expensive, but you do have the option to pay it back over time.

Pawning your stuff will get you fast cash with no credit check as well.

Thanks for reading!

Lydia

Bill Consolidation: Some Important Facts To Remember

Watching yourself trapped by a huge amount of debt is certainly awful. However, if your financial hardship was the outcome of a medical condition or job loss – you perhaps saw it arriving. Irrespective of this, the question that pops up in your mind is what your next step should be. You can go for bill consolidation loans since they are feasible solutions to bring you out of a rough spot.

• First of all, assess your bills. Contemplate whether you’d be utilizing your bill consolidation loan to pay off your credit card debts, utility bills or your student loans. Understanding what kind of bills you’re paying would help you find out how they can be consolidated. Student loans, for example, can be consolidated at a cheaper rate.

• Explore the bill consolidation loan provider carefully. Check their past performance with the Attorney General’s office in your state and the Better Business Bureau. Both of them can inform you whether any complaints have been lodged against them. The Attorney General’s office can also let you know whether any inquiry or probe is pending.

• Make a decision whether a loan fits your needs. This is dependent on the amount that you owe, number of your bill payments every month and the amount you require to compensate for them. Various companies come with bill consolidation services but they aren’t trustworthy all the time.

• Get your credit score. The higher your credit score, the more is the likelihood you would qualify for a loan at an affordable interest rate. If your credit is less than adequate, the interest rate offered to you would possibly be waywardly high. You might have to search for a family member or acquaintance who has good credit and a confirmable job to be co-signer for your loan.

• Work out the payment offered by the bill consolidation company. Find out whether you’re able to manage the payment without acquiring further debt or leaving other bills outstanding. If not, then you might have to go for filing bankruptcy.

Explore a number of companies prior to deciding. Consult a financial expert. You can contact your creditors to lower your interest rates. There are some consolidation companies that give assurances which they cannot fulfill. Watch out for predatory lenders. Just ensure you don’t fall prey to them by performing some homework.

Cash For Cans

Cash for cans is very different than many of the posts here on Fast Cash, but it’s a very viable method for getting money when you need it.  It helps you, and it helps the planet, and these are two things that are important to me, so I’m going to write about it.

Recycling cans for cash has gotten a bad rap in many large cities because of the homeless population digging through trash cans to get a little money to survive, but that doesn’t mean that you shouldn’t use it to get fast cash.  There are aluminum cans everywhere, and it’s just a matter of finding, gathering, and returning them for you to get paid.  You don’t need to cruise around town with a shopping cart full of cans (although, it wouldn’t hurt!) to get paid.  Ask friends and family what they have on hand, or go to your local restaurants to see if you can take them from them.

My own experience with recycling aluminum cans for cash is here in California.  We pay a five cent deposit on every bottle and can that we buy, and that money is returned by recycling centers when the cans are brought back.  I know that this isn’t the case in every state, but there are scrap metal recycling stations everywhere that will take your cans for cash.  In most cases, all you need to get cash is an ID from your state and they’ll accept your cans.  In some states, like Arizona, there are much stricter regulations on giving your scrap metal to these recyclers due to high rates of copper theft, but if all you have is aluminum you shouldn’t have much trouble.

How much can you make?  It’s usually around $12/lb. for aluminum if you recycle with scrap collector.  Keep in mind that a pound of aluminum is quite a few cans, so you better get out there and get collecting!  Before you end up with tons and tons of trash bags filled with cans, figure out where you’re going to recycle them and how you’ll get them down there.  Nothing is worse than being stuck with bags filled with potential money and nowhere to cash it in!

Not all states pay cash for glass recycling, but here in California it can be a very profitable business.  Wine bottles alone will yield a dime, so there is a lot of money to be made.

Thanks for reading!

Lydia

Credit Card Cash Advance

A credit card cash advance is a reliable way to get fast cash.  It certainly has its risks, but if you have a credit card it’s always available.  When used responsibly, there is no reason why a cash advance on a credit card should be avoided.  This article will look at how they work and how to make sure they aren’t abused.

The main benefit of a cash advance on credit cards is that money can be had “on demand.”  All you need is an ATM that accepts your type of card (Visa, Mastercard, etc.) or call the phone number on the back of the card to get your money.  If you call the number on the back of the card, your money will usually be transferred directly into your bank account.

Credit card cash advance fees are very high.  There will usually be a fee that you pay when the money is received, and a monthly fee may also be charged for using it, and the fee is usually the same no matter how much you’re advanced.  Some credit cards offer awesome deals on cash advances, but unfortunately most don’t.  The credit card companies that charge higher rates will usually charge higher interest than your APR on purchases, so you’re getting the double whammy.  To make things worse, when interest rates are tiered like this your monthly payment will go toward paying the lower APR first, and let the higher interest part keep building up.

In order to make sure that you don’t abuse cash advance credit cards and put yourself into worse debt, do your best to not use that card again until the cash advance is paid back.  This will help keep your balance lower and allow your next monthly payment to pay towards the advance rather than the purchases that you would’ve made.

I’ve read stories of people taking a cash advance from credit cards to pay their credit card bill!  I don’t think I need to tell you how bad of an idea this is, but when it comes to money people can do some dumb things.  Another place where cash advances are seriously abused is at the casino.  With the hundreds of ATM’s on the floor and the slight chance of being able to make more money, people easily fall into this trap.  I did it once, and regretted it after the hangover wore off!  Please don’t become a funny story like this and use your cash advance responsibly!

When used responsibly, credit card cash advances are another great way to get fast cash when you need it.

Thanks for reading,

Lydia

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