Payday Loans and Fast Cash Guide

What It Takes To Get Fast Cash Today

When you need fast cash today, there are literally thousands of ways to do it.  You can get a loan, sell some of your stuff, get a job, or even recycle the crap laying around your house.  In this post I’ll cover the bulk of these, but it’s nearly impossible to show you every way to make money now.  Hopefully by reading through this you’ll be able to get an idea of what will work for you, and your situation.

Fast Cash Loans

Easy payday loans are everywhere.  To get approved all you really need is a job, a pulse, and a bank account.  Rather than bore you with the details of how to get a loan like this, I want to go over some situations where it may be hard to get approved for one reason or another.

First off, if you’re credit score sucks, don’t worry.  The bad credit payday loan is the norm.  If they checked everyone’s credit, loan processing would take forever, and no one would get approved.  So don’t let your credit score prevent you from applying for a loan.

If you have outstanding payday loans, you have a pretty big problem on your hands.  However, there are still a couple of no Teletrack payday loans out there, but they are becoming pretty rare.  Teletrack also checks if you recently had a bankruptcy and how often you overdraft your bank account.  When you find a company that does this, expect to pay a bit more for the loan.

What about if you are only paid once a month?  30 day payday loans are available from Think Cash, but they have pretty strict lending requirements and don’t lend in every state.  The best thing to do in this situation is to call around to your local lenders and see if they offer similar programs.  Automobile title loans might also be a good option here because they give you months to pay the loan back, but some do require that you make biweekly payments.

No job?  Here’s where things get tough.  Loans for unemployed are almost impossible to find.  The only way that a lender would consider working with you is if you are on some sort of benefits (unemployment, SSI, etc.), and even then it’s pretty rare.  You’re going to be better off doing the things discussed in the second half of this post that don’t involve borrowing money.

What if you have a great credit score?  Go to your bank or local credit union and see if they offer fast personal loans.  These are similar to a payday loan, but give you much better rates.  With the new banking regulations that are coming, the ones that are trying to get rid of payday loans, banks are starting to offer loans like this to draw in those that can’t borrow money anywhere else.

Fast Cash Without A Loan

There are a ton of ways to get same day cash without having to borrow money.  What you do depends on how much time you have available, what you’re good at, and how much money you need.  When I need money now, I use the things discussed below before considering a loan.  This will reduce the amount that I need to borrow, which costs me a lot less in the long run.

If you have a credit card, you may be able to get money from that.  A credit card cash advance is another expensive way to get the money you need, but it can be a big help in a pinch.  To get an advance this way, you’re going to have to call the customer service number on the back of your credit card and talk to the rep to get the PIN number for your card.  Then you just go to an ATM and withdraw cash.  These are pretty expensive, but can be helpful.

Odd jobs are another great way to make money fast and easy.  When I do this, I hit up my family members and friends to see if there is anything that I can do for them.  Generally, I’ll land a few babysitting gigs and will walk away with quite a bit of cash.  You can do whatever it is that you’re good at, but your family will be very appreciative since you’re not hitting them up to borrow money, instead you’re earning it.

Selling off your extra stuff is pretty straightforward.  If you must have cash today, go to the pawn shop.  If you have a little bit more time, sell it on Craigslist, you’ll get a lot more money for it there.

Recycling scrap metal, cans, bottles, and plastic is another way to get fast cash today.  It will usually take a little bit of help and a truck, but you can make quite a bit this way.  Non ferrous metal (stuff that magnets don’t stick to) is going to get you the most money at scrap metal recyclers.

As you can see, there are tons of ways to make a quick buck.  I hope that something here works for you, or at the very least helped you figure out something that does.  Being broke sucks, but when you have a clear way to make money, the stress is gone and you can think clearly again!

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.

Get Cash Now With These Three Steps

If you need to get cash now, there are some easy steps that you can follow to put some money into your pockets today.  I’m certainly not going to show you ways that are illegal or unethical to get money, but I will show you practical and resourceful ways to make ends meet as fast as possible.  There are millions of ways to get fast cash now, but the three that I’ll outline here are the most consistent, fastest, and easiest.

Keep in mind that you aren’t alone in your situation.  Half of all Americans live paycheck to paycheck, which means that 50% of broken refrigerators and radiators in this country require financial assistance to pay for.  Many people will just put these expenses onto their credit cards, which is a bad idea in my opinion.  Credit cards are good for buying a new TV or a set of golf clubs, but shouldn’t be relied on for emergency expenses or to help pay bills.  Instead follow one, or all, of these three steps to put money in your wallet and keep your life moving forward.

Get A Loan

Your credit score and employment status will determine what types of loans that you can qualify for.  With so many different types of loans available, I’ll only cover a few but you should be able to figure out which is going to be best for you.

The fastest loans around are payday loans.  If you need to get a cash loan now, this is probably the best way to go.  Your first payday cash advance will probably be for $400-500, but that chunk of money can be a huge help in a pinch.  To qualify for a payday loan you’ll need to prove your employment with paycheck stubs, have an active checking account, and be able to prove who you are.  Each lender will have it’s own terms and interest rates, but you can expect to pay around $25 for every $100 borrowed.  It’s expensive, but that’s the price for fast cash loans.  Another great thing about these is that there is no credit check involved.

The cheapest loans are going to come from your bank.  If you have good credit you can get a great interest rate on a loan, but expect it to take a few days to get you cash now.  You’ll also have to pay application and processing fees to get your money.

The riskiest loans are title loans.  While a title loan has its risks, it’s also pretty useful for many people to get a fast cash loan.  The premise of these loans is that you put your paid off car up as collateral and borrow money against its value.  If you fail to pay the loan back, your car will be repossessed (that’s the risk!!).  If you don’t have a job, these can be an option for an unemployed loan.  Some title lenders don’t have employment verification, so you may be able to be approved.  Be cautious with these loans, and be sure to not borrow more than you’re going to be able to repay!

Get A Fast Cash Job

I know that I said above that these are the easiest ways to get cash now so I’m not going to suggest any overly difficult!  If you have a skill that can make you some money, this is the time to exploit it.  For example, when I’m broke I offer to babysit my friend’s kids.  This will put a few hundred extra bucks into my pocket in couple days and only costs me time.

Some common fast cash jobs are:

There are many more, but for the sake of brevity I’ll keep it to that.

Get Rid Of Stuff

Pawn shops are an absolute asset when you need to get cash now.  They’ll buy your stuff that’s piling up in your house and help you get the money you need to get out of your financial situation.  Keep in mind that a pawn shop will be most likely to buy tools, jewelry, guns, bikes, electronics, and guitars.  If you have things that are outside of those, you should still try it out, pawn shops will buy just about anything.

Make Money Now

There are many times that I’ve been in a pinch, therefore based on my own experiences, here are some ways to make money now.

I had been laid off from my 26 year IT career back in May of 2004, was only able to obtain a seasonal tax preparer job, my unemployment payments were decreasing, creditors were harassing me, and I was on the verge of bankruptcy. The first thing I did right after I was laid off was to clean out my 401k and use it to make some extra mortgage payments and to pay for my health insurance premiums. The part I used to pay for my health insurance premiums was not penalized the 10% early withdraw fees. Then there was one month back in the summer of 2006 where I had real difficulty coming up with all of our mortgage payment for that month.

Sell Stuff To Make Money Now

I called my brother and asked him if he wanted to buy my notebook computer from me for the $350 we were short for the mortgage, and he agreed and bought it. Along with my notebook, I was able to make money fast with taking a lot of the other stuff laying around my house and selling it off.  I hit up pawn shops, used books stores, clothing consignment shops, and anywhere else that bought used stuff.  Luckily, I live in a big city so I had lots of places to choose from.  If I had lived in a small city I would have turned to Amazon or eBay to make money now online.

There were several other times that we were short of money for food, where I took my huge spring water bottle full of pennies to the bank or supermarket coin counting machine, and cashed them in so we could make ends meet and have enough food for those weeks. Also to make money now, I gathered up some of the antiques that my grandmother had left me when she died back in 1999 and took them over to an antique shop and sold the ones they wanted to buy. Then I gathered up several unused electronics and took them to our neighborhood pawnshop to sell for good money. This was how much I was slowly slipping into poverty.

Get Help and Get Money

It finally got to the point where I had to apply for charity care at a hospital to help pay some of my medical expenses that my limited basic insurance would not cover, and I had to apply for medicaid and food stamps and utility assistance, had my SUV repossessed in January 2007, declared Chapter 7 bankruptcy in February 2007, and sold our house in January of 2008. Today I’m still in a poverty financial situation, however I’ve also found numerous ways to make money now on the internet, which  helps my financial situation.

Luckily, I found Lydia’s blog, Fast Cash Authority, and she showed me many new ways that I would have never of to make fast cash.  I was always very tentative about payday loans and other fast cash loans, but she showed me that they’re legit and how to use them without getting into trouble.  The resourcefulness that she’s showed me has really helped my life begin to turn around.  And to repay what she’s shown me, I wrote this blog post for her!

Thanks for reading,

Dawn Applegate

Fast Cash With Bad Credit

If you need fast cash, bad credit shouldn’t hold you back!  There are tons of way to put cash in your wallet today.  The key is knowing what you’re options are so that you can make an educated decision about which one is best for you and your situation.  There are loans available that require no credit check, or you can go around the entire credit problem and sell off your stuff to get yourself paid.

Remember that loans that don’t require a credit check are going to cost much more than a traditional bank loan.  The lenders have to incur the high risk that these loans have.  I’m sure that you’re going to pay this loan back, but there are tons of people that don’t each year.  They drive the cost of getting a loan way up for the rest of us.  Another reason that fast cash loans are so expensive is that they can get you money within a day, and you pay it back in a couple of weeks.  You’re also paying for speed and short terms.

Fast Cash Loans For Bad Credit

The most common fast cash loans with bad credit are payday loans.  These loans are both easy to get and get you paid fast.  You have to have a job to get a loan (and a payday!), but aside from that most people who apply will get a loan.  The terms of the loan usually have you pay it back in two weeks by writing a post-dated check for the total amount due.  Like I said above, these loans carry a pretty high price.  The average payday loan interest rate is $25 for every $100 borrowed, and the first loan is usually around $400.  These numbers will vary by lender, and if you spend some time cruising the internet you can find loans that are much more favorable.

While payday loans don’t require a credit check, some lender do use a service by a company called Teletrack.  This is sort of a background check that will look and see if you already have outstanding payday loans, how often your checking account has been over drafted, and any bad checks you may have written lately.  If you’re good on those three counts, you don’t have to worry a bit about your bad credit.

If you’re going to have problems with a Teletrack check, read this post on no Teletrack payday loans.

Title loans are also a good option for a bad credit fast cash loan.  Again, there is no credit check involved.  They use your paid off car as collateral to get you paid.  The amount that you get depends on what the value of your car is, and they’ll usually lend up to 50% of its value.

Fast Cash Jobs

I’ve gotten a really good response from the little bit that I’ve written on fast cash jobs in the past, so I figure that it’s time to elaborate a bit to show you guys what the options are like out there.  The trick if you want to earn fast cash is to harness the things that you’re already good at to make some money.  I obviously don’t know what you’re good at, so I can only offer up some ideas, but this should at least get the brain juices flowing.

You can break fast cash jobs into three categories; skills, services, and labor.  We’ll take a look at each of these so that you can figure out which you have to offer and how to make money from them.

I’m also not advocating that everyone find jobs that pay under the table, but when you need instant cash you have to do what it takes to get it (without breaking the law!).  Another really good thing about doing this is that you may find that you can make some decent coin with what you have to offer, and in turn make a real business out of it.  I don’t really think that fits the scope of this website, but keep that in the back of your mind.

Fast Money Jobs With Your Skills

Everyone is good at something, you just have to figure out what it is that you can do to get you paid.  These skills are usually in building something or with crafts.  If you can weave an awesome basket there is probably someone out there that will pay good money for it.  Think of this like a freelance job, you have a skill that someone would pay good money for and you need to find your customer base for it.  Some of the more common skills based fast cash jobs are:

There are certainly thousands of more options than that, but you have to figure out which you can do.

Fast Cash Jobs With Your Services

You can define “services” however you like (I’m not judging!), but for the sake of this article I’ll define it as doing something for someone else because they don’t want to and have the money to pay you for it.  These overlap with the skills category a bit, but are different in the fact that most people could do it if they wish to, no special skills required.  The most common services are:

Again, this is just for the sake of sparking your brain.  Figure out what kind of services you can offer and go get paid to do them!

Real Fast Cash Jobs

I’m calling this one “real” only because you have to get up and go to a job to do it.  The labor category is a bit stricter and well defined than the others, and if you like it you may actually be able to turn it into a career.  The most common types of the best cash jobs are:

You can also find lots of jobs like this hanging out where the “day-laborers” hang out in your town.  A good friend of mine does this on his days off from his normal job and makes an extra thousand bucks a month doing some of the best easy jobs around!

There is a lot of money out there that’s waiting to end up in your pocket.  Spend a few minutes racking your brain to figure out what it is that you can do to get it!

Thanks for reading,

Lydia

Can You Really Find Fast Cash In One Hour?

I get a lot of questions here on Fast Cash Authority about whether or not it’s really possible to find fast cash in one hour.  The short answer is yes, it’s very possible.  It isn’t the easiest thing to do, but if you know what you’re about to learn it will make it much easier.

One thing that you have to remember is that the payday lenders want to get you money as fast as possible, and faster than their competitors.  That’s a major reason why this business is so successful.  A bank can’t even process your application in an hour, let alone get you money!  Please don’t become frustrated with your lender, they’re doing their best to get you your money.

How To Get One Hour Fast Cash

There are a few tricks to increase the speed that you can get your payday loan or title loan, and these tricks rest on your shoulders.  The lender will move as fast as they can to get you what you need, but you have to be prepared.

The first and easiest thing to do to speed up your loan is to work while banks are open.  You’re probably thinking that banks don’t have much to do with fast cash loans, but if they aren’t open your money won’t be available in your bank account.  A payday lender can transfer you money, but it will sit there until the bank opens for business and approves the transfer.

Also keep in mind that some payday lenders require that you have a minimum balance in your checking account before they’ll lend you money.  If you only have $100 in your account and the lender requires $200, find a different lender or borrow that money from a friend (risky!).  You have to be in a position to borrow the money to get it as fast as you want it.  This leads to having all of your necessary documents ready before applying.  Have a few paycheck stubs, a list of references, your driver’s license, social security card, and whatever other paperwork the lender requires.  You’re going to seriously slow down the process if you don’t have something that you need to qualify.

Finding A Lender

I recommend starting online to find yourself a fast cash loan.  There is minimal human interaction with the approval process, which means that computers will make the decision based on predetermined qualifications.  This is way faster than having Chatty Kathy down at the payday loan store perusing through your paperwork to figure out if you can be approved!

It may slow you down a bit, but be sure to look at a few different lenders before making a decision.  They’ll each have different terms and guarantees.  You may be able to get paid much faster and save a few bucks in the process.

The Fastest Way To Get A Loan

The best way to get one hour fast cash is to follow the preparation steps outlined above and go to a payday lender that you’ve already been to.  If you paid back your last loan on time and are in good standing with them, they will approve your next loan in no time at all.  They keep records of your history there and should have all of your info from your last loan, so approval should be nearly instant.

Thanks for reading,

Lydia

Where To Turn For Fast Cash Now

Knowing where to turn when you need fast cash now is very important in today’s economy.  This article will show you your options and who you can trust.  There are lots of different places that you can turn for fast cash, and I’ll go through the ones that are the safest and most effective.

One important thing to remember is that you’re not alone in this.  Half of all Americans live from paycheck to paycheck and it’s also been estimated that around 30% of them have bad credit.  The average income hasn’t increased nearly as fast as the cost of living has, so there are tons of other people, like you and me, looking for quick cash.  This is part of the reason that the cash loan has become so popular.  Fast cash loans are a great resource for emergency expenses, the key is to not rely on them.  When you begin to rely on pay day loans as a source of income, you’re on the road to financial disaster.

Get Fast Cash Now

The easiest and most reliable way to get fast cash is with the instant cash advance.  These advances usually come in the form of payday loans, but other sources are available.  To qualify for a payday loan you need a job, a checking account, and proof of who you are.  Payday loans are the best cash advance for most people, and I recommend looking into those first when you need fast cash now.

If you have a car that is paid in full, you can also look into title loans.  These loans are another great no credit check loan.  The premise of these is simple, you use your car as collateral and borrow money based on the car’s value.  Generally, auto title lenders will go up to 50% of the car’s value and the loan is to be repaid in full after 30 days.  To get a car title loan you need a paid off car, the title, an extra key, and your driver’s license.  Some automobile title lenders do not require proof of employment to approve the loan, you you may be able to get a loan without a job.

Earn Fast Cash Now

Lots of jobs are available that pay cash the same day.  These jobs certainly are not for everyone, but if you have what it takes (or doesn’t take) to do them you stand to make some fast cash.  The job that pays the most and the fastest is being a stripper.  Most clubs are always looking for new dancers, so there is a good chance that you could make money today.  Starting off you probably won’t get the good shifts, but you’ll still make a few hundred bucks.  Other fast cash jobs are bartenders, bouncers, and valet drivers.

If you’re resourceful you can do odd jobs around your neighborhood for cash.  If you can mow a lawn or walk a dog you can make a small business out of your house to make fast cash now.

The key to getting fast cash now is to be prepared and resourceful.  There is money everywhere, you just have to figure out how to get it without breaking the law!

Thanks for reading,

Lydia

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