Payday Loans and Fast Cash Guide

Where To Find Easy Money Jobs

If you’re looking for fast cash, easy money jobs are one of the best ways to go.  An easy money job isn’t always a good job, but it will put money in your pocket fast with minimal work behind it.  There are lots more of these employment opportunities than you probably think there are, it’s just a matter of tracking them down so you can get paid.

In a previous post, Fast Cash Jobs, we went over things that you can do on your own to get paid, along with some jobs that pay cash.  The purpose of this post is to show you where you can find a job that requires minimal effort and pays decent.  There are thousands of these jobs so I can’t cover every option, but you should be able to get a good enough idea of where to start.

Look In The Newspaper

Newspapers may be going the way of the 8-track, but they’re still a valuable resource for finding an easy money job.  Find a newspaper (go to Starbucks if you can’t afford one) and flip back to the classified section.  In all of that 7 point font you should find an entire section dedicated to jobs.  Now I’m sure that you’ve seen this section before, but this time look a little bit closer and find the part of it that’s labeled “miscellaneous” or “odd jobs.”  In this section you’re going to find tons of random things you can do to get paid.  Everything from medical studies to help cleaning out a grandma’s garage can be found here.  The key to getting the good ones is to start early in the morning when the newspaper is still fresh.  You’re not the only one out there looking for these gigs, so you’ve got to be the early bird getting the worm!

Look Online

Maybe it’s because I live in the Bay Area, but there are some off the wall jobs on Craigslist.  I’m sure that you’ve been on that website before, but have you ever looked in the “ETC” section of the job postings?  You can be an egg donor, a movie extra, participate in a pain study, a taste tester, a basketball coach, just to name a few.  Even if you don’t find a a fast cash job out of your search, you’re bound to at least get a few laughs from the broad range of jobs that are out there.  I strongly recommend checking it out and subscribing to the RSS feed so that you can have new jobs delivered straight to you as soon as they appear.

Look In Your City

I know some of you may be above doing this, but day laborers make a good clip for doing random jobs.  There’s a spot in just about every city where they hang during the morning and people drive by looking for an extra hand for the day.  You never know what you’re going to end up doing that day, just make sure that you can get a ride back to where you were picked up in the first place!  The work won’t always be easy, but it’s always cash.

There are tons of easy money jobs out there, but you have to go find them!  Easier ways to get money are around, but are rarely as reliable as actually working for it.

Thanks for reading,

Lydia

Online Car Title Loan

Online car title loan is something in recent years that has seen a big growth as people look for ways to get short term loans to pay some unexpected bills. Most people have no idea what these types of loans are or exactly how they do work. This is a loan that will run usually 30 days and you will let someone else hold the title and keys to your vehicle, but you do keep the vehicle. Now the amount that can be lent to you will vary on different factors such as make of vehicle, mileage, and condition it is in. Most companies will let you borrow up to 2,500 on your car title, but every company is different so you will want to check their terms before you sign anything.

Many people wonder why these types of companies ask for the title to you vehicle. It’s actually really simple they have to protect themselves if someone does not pay the loan off. If you do default on the loan they have the right to your vehicle. When your loan does come due in 30 days you can also opt to pay the interest and extend the loan for another 30 days if you desire. The online car tile loan is popular for how easy it is to get one. You will need to have a clear title, drivers license, proof of income, and vehicle for inspection so you can get yourself a loan.

Selecting an online car title loan is easy. Simple forms to fill out make the application process smooth and quick. No worries about credit checks or going through a bank. This is a type of loan that can be done quickly and efficiently. If you need some fast cash for an unexpected emergency or a bill coming due this is an option to consider to get the cash you need.

7 Reasons A Payday Loan Is Smarter Than Using A Credit Card

Payday loans get a bad rap, but much of it is unjustified.  The credit card companies don’t want you to know which situations a payday loan makes more sense than whipping out the plastic or getting a cash advance.  I’ve talked about credit card cash advances here on Fast Cash Authority, but their use is very limited.  Payday loans are one of the best ways to get fast cash and, when used responsibly, are a very smart financial move.

Before we go on I should probably state that I don’t work for a payday loan lender, I don’t have sites in payday loan lead generation, or really have anything against credit cards.  I just want to share my experience with you.  There have been many situations where I had to decide if I wanted to charge something or get the cash from a payday lender.  I didn’t always make the right choice, and through my mistakes I’ll share what I learned.

There are many reasons why a payday loan is a much smarter choice than using your credit card, but these are my favorite.

1. No Credit Check – In 2007 110 millions Americans had bad credit.  With the economy taking us on the roller coaster we’ve been on, I’m sure that number has gone up quite a bit.  Since most payday loans don’t require a credit check they don’t affect your credit score in any way.  If you make the mistake of not repaying a payday loan you deal with collectors without an effect to your credit score.  Missing a credit card payment is going to tank your credit score.
2. Easier To Budget – If you have $400 in your hand, it’s much easier to figure out the best way to spend it than it is to deal with credit card balances.
3. Less Risk Of Dependence – Having a credit card in your wallet is a risky move.  It’s simply too easy to pull it out, swipe it, and walk out with you newest fancy.  With a payday loan you actually have to get off your butt and go to the store to get it.  The time it takes to put on your pants and get out the door is going to give you 10X the time to decide if it’s a good decision than it takes to whip out your credit card.
4. Cheaper Than Late Fees – Payday loans are pricey, but they don’t have anything on a credit card late fee!  If a payday loan costs you $25 for every $100 borrowed, it will cost you much less than the $40 credit card late fee and won’t ding your credit score.
5. No Long Term Relationship – With a credit card company it can be very difficult to sever your relationship when you’ve had enough.  Obviously you have to pay your balance, but closing an account isn’t very easy.  With a payday loan, you pay the loan back and you’re done.
6. Save Money Over The Long Term – Having the option to pay back the minimum amount on a credit card gets people into debt trouble all of the time.  If you’re only paying the minimum you’re already in trouble and with a $500 charge you’re going to pay more in interest than if you would have used a payday loan.  With an APR of 15% and making the minimum payment on a $500 charge will cost you $150.87 in interest, according to bankrate.com’s minimum payment calculator.  The average payday loan rate is $25 for every $100 borrowed, so that loan would only cost $125 in interest.  Not having the option of making small payments also prevents lots of people from falling into the debt trap with payday loans.
7. Cheaper Than A Credit Card Cash Advance – Credit card fine print gets pretty “fine” when it comes to cash advances.  They will go to great lengths to prevent the average person from understanding how much they’re going to pay if they choose this route.  The interest rate on a cash advance is usually a few points higher than the purchase rate, around 22%.  Here’s where it gets really tricky, many credit card companies will apply your monthly payment to purchases first and cash advances next.  This means that if you carry a balance you’re going to be stuck with the high APR racking money up each month.

I’m sure that there are lots of people that will disagree with me on this, that’s fine.  I know from my own experience that there are lots of times that a payday loan is better than a credit card.  If you think I’m wrong, let me know in the comments!

Thanks for reading!

Lydia

7 Ways to Work For Cash

If you can work for cash, you can make some fast money.  I’m certainly not going to advocate that everyone find an under-the-table job, but desperate time call for desperate measures.  What I’m going to do is show you some of the work for cash jobs that are most common, and some tips on landing them.  Jobs that pay cash are only limited by your own resourcefulness, there are millions of odd jobs that someone would be willing to pay cash for (including one that I’ll pay for at the end of the post).

You can work for cash today if you know where to start looking.  The guidelines for the jobs that I’m going to outline here are: 1. You don’t need money to start, 2. You may need some equipment, 3. You need some skills, and I’m sure at least one of these will apply to you and 4. They are legal.  There are lots of illegal ways to make money, but I won’t discuss any of those!

My list of work for cash jobs!

1. Landscaping. Every house in your neighborhood has some sort of yard, and every yard needs maintenance.  For this, you’ll need some equipment, at least a lawnmower and hedge clippers, to begin.  Having a partner with all of this makes it much easier to carry all of your equipment from house to house.  Set up your stuff in a central location and head door to door and offer your services.  Come up with low prices ahead of time.  If you aren’t a familiar face in your neighborhood, be sure to dress up a little bit so your potential clients won’t feel like you’re there to rob them.
2. Wash Windows. This is my favorite cash paying job, probably because I’m good at it.  The premise is exactly the same as landscaping, except you need a bucket, a squeegee, towels, and soap, plus the technique.
3. Walk Dogs. If you enjoy the company of dogs, you could walk dogs for some fast cash.  For the sake of the dogs, please have some experience with dogs before you try and do this.  You can also offer to pick up poop, take out trash, bring in mail, etc. for an extra fee (of course).
4. Strip. I’m sure that not everyone is going to agree with me on this one, but it’s a great way to make a lot of money fast (if you have the body for it).  Most strip clubs are always looking for dancers, and even if you get the afternoon shift, you’re going to walk out with more cold cash than you walked in with.  There’s obviously a small investment in stripper gear, but sexy underwear will probably get you the job!
5. Handyman. A handyman can make a ton of money really fast.  This requires that you really know what you’re doing and have the tools for it.  It’s as simple as printing up some business cards or fliers from your computer and plastering them all over the neighborhood.  A tip though, be very clear about the things that you don’t know how to do or you’ll end up in trouble.  If you don’t know electrical, state that up front instead of trying to figure it out as you go, you could hurt yourself and make your customer’s situation worse.
6. Babysit. I don’t think this one needs much explanation, just watch for friends and family that are working lots of hours and offer your services to them.
7. Freelance. If you’re skilled at anything on the internet, there’s someone will to pay cash for your services.  Things like writing, SEO, programming, graphic design, and photo editing are always in high demand.  Sites like Get A Freelancer are full of people looking to pay for your skills.  There is quite a bit of competition over there, so if you’re looking for fast cash, start with the people that you know and see what services you can offer them.  I’m always looking for ghost writers for another project I have, and pay a penny a word (a fair rate) for articles.  If you have writing skills, and understand a bit of SEO and copywriting, use the contact page to email me.  You’ll need a Paypal account to receive payment.

Keep in mind that if you’re planning on making a living doing some of these things, you’re going to need some licenses and insurance, but for a quick buck you’ll probably be fine without.  Good luck and go make some fast cash!

Thanks for reading,

Lydia

Fast Cash At The Pawn Shop

I love a good pawn shop, and I love making fast cash at pawn shops!  This is my go-to method when I need some money, and I’ve learned some tricks to get me even more money along the way!  The idea of pawn shops goes back for centuries and millions of people have gotten the fast cash that they provide to help make ends meet.

If you’re considering going out and pawning your stuff, be sure to read this article all the way through.  I’ll share some tips that have gotten me more money for each item that I’ve sold.  I don’t have any facts to back up how much more I’ve made, but after you’ve sold enough stuff it’s easy to tell when you’re getting a much better deal.

Don’t forget that pawn shops are great for buying cheap stuff too.  If you’re strapped for cash, but need some new tools or a bicycle, it makes much more sense to head to a pawn shop.  You may even be able to trade for it and not have to spend a dime!

There are three tricks to help you get the most for your stuff at a pawn shop.  You have to know what they usually buy, how to improve its condition, and a bit of bartering skills to get yourself paid as much as possible.  Before you head out the door, check pawn shops online to find the ones in your area.  Figuring out which ones are close to you, and which ones are competitors is important (more on that later).

What Do Pawn Shops Buy?

Most pawn shops will buy anything.  Which also means that they sell everything.  I actually went into one pawn shop in Mesa, Arizona and the dude behind the counter offered to sell me the entire pawn shop!  There are some things that are going to get you paid much more than others.  This applies to just about every pawn shop on the planet as well.  These things are-

• Jewelery
• Tools
• Bicycles
• Musical Instruments
• Weapons
• Electronics

The reason these are the things that are the highest paying is that they are always in demand.  Guitars will never go out of style, and neither will bicycles or jewelry.  Pawn shops make their money selling these things, and you’ll make money selling them as well.

Keep in mind that there are some high-end versions of these things that some pawn shops won’t take.  If you have a million dollar diamond ring, or a ‘57 Les Paul, they’re probably going to tell you to find somewhere else to hawk them since they’re so expensive and they don’t have that kind of cash on hand.  Another thing that many of them do, which may throw a wrench in your gears, is offer consignment on large ticket items like this.  Obviously, this isn’t going to help you much if your rent is due tomorrow and you’re two hundred bucks short.  If you live in a big city, odds are that there are hundreds of places that you can sell your stuff and you should be able to find one that’ll offer cash for it.  You can look into jewelry stores, jewelery pawn shops, Guitar Center, other pawn shops, or even throw it on craigslist to get the cash you need!

“Reconditioning” Your Stuff

This is a trick that I’m pissed took me so long to figure out.  Many times, you can spend a couple bucks to get something cleaned up and in better shape to get yourself more money from the pawn shop.  The best example is guitars, I’ve pawned three guitars over the years and all were about the same quality and price when new, but one of them got me paid $150 dollars more than the others.  Why?  Because I cleaned it up really well, restrung it, and tuned it.  It cost me about $4 for the guitar polish and $7 for the strings.  I paid $11 and got $150 extra!  That’s a smart investment.

Anything you pawn should be treated this way.  Do you think your local pawn shop is going to clean up those screwdrivers you’re heading down there to pawn?  I don’t think so!  Will they pay you more if they come in nice and shiny?  Probably!  Clean equals quality in the minds of many shoppers and pawnshop owners.

Sometimes something as simple as a cord can dramatically hurt the price that you’re paid.  Take video game systems, for example.  If you go to sell your Xbox and it’s missing the power cable, you certainly aren’t going to get all of the money that you could if you went to the store and spent a few bucks on a new one.

Do Some Negotiation

Keep in mind that the price they offer you for your stuff isn’t a set-in-stone number.  You can barter with them, and you should.  It can be the difference in getting a fair price and getting nearly nothing for the things you’re pawning.  Most pawn shop dudes are going to make an educated guess on what they should pay you, and you have to keep in mind the “relative” cost.  This means that even if you paid $500 for something that you aren’t owed anything close to $500 for it.  You have to consider what the pawn shop will be able to sell it for, and that they have to make money on it as well.

If the pawnshop employee is being difficult and not willing to barter with you, tell them that you’re heading to “fill in competitor’s name here.”  If you have things that are of value and they’ll be able to sell quickly, they’re going to change their tune and be much more willing to work with you on a price.  This has always been the most effective negotiation tool for me.

To sum it up; research your local pawn shops, gather up the stuff that they pay the most for, clean it up, and put your negotiating hat on.  Get out there and get paid!

Thanks for reading,

Lydia

Car Title Loans

Car Title loans really do come in handy when you’re broke and there’s no where to turn. Car title loans has always helped me to get the money, I needed and I know they will help you too. They help you find the right loan that is right for you. All you have to do is fill out the 3 minute application online. Nobody wants to be broke and have to wait until the next paycheck comes around. The best thing you could do is get a easy title loan give them your pink slip and you’re on your way. It’s the end of the month and you broke from paying bills and making payments on those credit card bills. The best thing to do is get a title loan because they are simple to get and you don’t have to worry credit checks. I have applied over the internet for title loans and I was happy to get the amount of money I needed and they were very fair and I was able to get the cash on the spot there was no waiting, within 15 minutes I was out the door and didn’t have to worry about complicated loans.

I really loved how they came to my rescue I was out of money and needed fast cash, other loan companies wanted to do a credit check and they charged very high interest rates. They also have good customer service and they make sure your needs are met I needed to borrow $300 but I qualified for $250 the salesperson called her manager and I was able to get the $300 that I needed they were really understanding. I would definitely recommend title loans to my friends and family members because of the very low monthly payments and if you have problems paying on your due date they will work with you and extend your payment if they have too because they really work with people who are struggling to make payments. If you get turned down by other loan companies title loans is the best place to go.

Finding The Best Cash Til Payday Loan

Cash til payday loans are a great option for you when you’re strapped for cash, but not all loans are the same.  They all come with different terms, requirements, and interest rates.  Some lenders are much more legit than others.  Can you trust a cash till payday loan online?  With so many choices out there, how do you find the one that is right for you?  Read on to find out!

What Are Cash Til Payday Loans?

When you need a loan til payday the best choice is the payday loan.  Their premise is simple, you have a job and need a loan, so a payday lender will let you borrow money until you get your next paycheck.  The basic qualifications are to have a job for a while, make at least a $1000 a month, have a checking account, and be able to prove who you are.  You’re lent money based on how much you make at your job, and you pay the loan back in two weeks.  The average first loan is around $400-500.

The interest rate on payday loans is pretty high, but that is the price that you have to pay to get money that fast and with no credit check.  On average, a payday loan will cost you $25 for every $100 you borrow.  This equals out to a triple digit APR, but on a loan that has such a short term and a high risk it’s the only way a payday lender can make money while managing their risk.

To repay your payday loan you’ll either write a post-dated check for the amount due or have the lender automatically withdraw the money from your checking account.  If you have a choice, choose the check.  If you happen to get behind on paying the loan back, the last thing you want is for the payday lender to have access to your checking account.  They’ll leach money til they’ve been repaid (plus some serious fees!).

How To Get A Cheap Cash Till Payday Loan

The key to getting a good rate on your cash till payday loan is to be a smart shopper.  You should act like you’re buying a TV while you’re doing this.  If you’re going to spend you hard earned money on a TV, you’re going to spend some time finding the best price that you can, so why don’t you do the same with cash til payday loans?

Always start online.  Online cash til payday loans are much easier than going to the store, and are generally much faster.  Don’t just check one company’s website, look at 10 or 15 before you decide which to choose from.  If you can’t find their rate, they probably aren’t a legit lender.  Which leads me to…

Cash Til Payday Loan Lender Websites

When you’re looking for a cash till payday loan online, you’re going to come across three different types of websites.  The most common are the actual lenders.  These are easy to spot because they will have their interest rates and fees somewhere on the site, and a customer login form.  If there’s no login form, it’s not a lender.

The second most common type of website is the “lead generator.”  These websites are not payday lenders.  They work to collect your info and sell it out to the payday lender that most closely matches your needs.  It’s easy to know when you come across these because they are nothing more than one page with a bunch of graphics, promises of instant cash, and a box for you to put in your information.  Lead generators aren’t necessarily bad, they can actually save you a bit of money since they find the lender that will get you the loan that matches your needs, but some of them will sell your information to telemarketers.

As for the third type of website, you’re reading it right now.  There aren’t a lot of sites in the payday loan industry that are purely informational.  This is one of them, and all I want to do is give you what you need to make an informed decision, not sell you anything.

Finding Legit Cash Til Payday Lenders

For every fair and honest payday lender, there is one that will have no problem taking all of your money from you.  I’m not trying to scare you out of getting a loan, I just want you to know to be careful.  The easiest way to stay safe with a cash till payday loan is to remember the average amounts that we talked about above.  $25 per $100 borrowed, and $400-500 lent for the first loan.  If you are offered anything that is way off of those amounts, that should instantly be a warning sign that you’re going to be taken advantage of.

Some of the bigger payday lenders have “watchdog” sites set up that monitor their activity and will give you an idea of how legit they are.  Most payday lenders will have pissed someone off along the way, so don’t let a few bad reviews turn you away.  Read lots and form an opinion for yourself before signing up for the loan.

Trusting Cash Til Payday Loans Online

The cash til payday loan online industry has grown leaps and bounds over the last five years.  Originally, the process was very complex and full of identity thieves waiting to steal your info.  Nowadays, with huge technological advancements, online payday lending is relatively safe.  Your information is safe and secure as long as you don’t give it to a crook.

The thing that you have to watch out for with online payday lenders is that not all of them operate within the boundaries of your state’s laws.  Instead, they work within the laws of their state, which will be on that has very loose regulation, and will be able to charge extreme fees if you miss a payment.  Some of them have also approved loans for people that live in states where payday loans are illegal.  This wasn’t necessarily a bad thing for the borrower, but it was still against the law.  So, remember the things we talked about above and be sure to pay your loan back on time!

You are now armed with the information you need to make an educated decision on your cash til payday loan.  Remember, start online and check out some rates before you get on the road and head to your local lender for fast cash!

Fast Cash

Everyone needs some fast cash every once in a while.  Good, hard-working, people still get unexpected expenses and need a little boost from time to time.  If this sounds like your situation, you’ve come to the right place.  We’ll take a look at different ways to get a fast cash loan, what it takes to get it, and the risks that are involved.

Getting fast cash now comes in many forms.  The most common is a fast cash payday loan or other short-term type of loan.  These are no credit check loans and are great since your credit score has no effect on being qualified or how much you can get.  Things like having a job and owning a car are what usually determines these types of loans.

Fast Cash Payday Loans

Payday loans and payday cash advances are great for getting cash fast.  There are probably a few payday loan lenders in your area that would be happy to have your business, and even more online.  The premise of a fast cash advance is that you are qualified for an amount of money based on your income and bills.  You’ll either write a post dated check for the amount you owe, plus interest, for the date that your loan is due and they’ll cash it, or you’ll give them your bank account information and they’ll automatically deduct it from your checking account.

The benefits of fast cash advance is that you’ll get the money you need right away, but the disadvantage is that they charge a lot of interest.  The average amount is $25 per $100 borrowed in the United States.  This is the price we must pay to get cash in a pinch, and if you’ll have the money after you get paid again, this isn’t such a big deal.  The key to getting the most from a fast cash loan is to not rely on them to get you through the month.

Auto Title Loans For Fast Cash

Auto title loans are a quick way to get some cash fast.  Auto title lenders are known for the speed that they can get you the cash you need.  All you need is to own a car that is paid off and you’re probably eligible for a loan.  Some car title loans require that your car be at least a specific value, but others don’t, and this will vary from region to region.  Most lenders here in California require that the car be worth at least $5000 to qualify for a loan.  Don’t worry if yours isn’t, you just need to shop around to see which lenders will work with you.  A pink-slip loan requires no credit check and sometimes not even an employment check.  This means that you can get your hands on some cash when you’re really down on your luck.

The obvious downside to a title loan is that if you fail to repay the loan, they can take your car.  Don’t borrow more than you can afford to prevent this from happening.  Just because they offer you a lot of money doesn’t mean that you have to take it from them!

These are just a few of the secured and unsecured fast cash personal loans available.  There are loans that are available through banks and credit unions for those who still have good credit, but most banks can’t compete with the speed that these other lenders can.

Whichever method you choose, be sure to pay it back on time.  If you borrow more than you can afford, you’re on the road to financial disaster.

What I Do When I Need Cash Today

When I need cash today I have a few routes that I traditionally take.  I’ve been through everything and have figured all of this out the hard way!  There wasn’t sites like this one (or even the internet!) the first time I needed a payday loan, so now I feel that it’s my duty to share all of this with you guys.  My method won’t work for everyone, but if you at least read it you’ll understand what direction you should head in.

My first move when I need money today is to look around at all the crap in my apartment and figure out what I can sell.  I tend to collect stuff (which is probably why I’m always broke!) and I’ve learned lots of different places that I can sell it.  Pawn shops are a great place to start when you don’t really know what’s around you.  If you’re familiar with your area then you probably know which stores buy CD’s, books, video games, and other stuff.  Those types of stores are going to get you more money for your stuff, but you have to spend the time driving from place to place to get rid of everything.  Don’t forget that you can also get cash for cans and bottles if you have those laying around your house as well.

If I don’t have stuff to sell, it’s time for a loan.  When I need a cash loan today I usually head down to the local payday lender that I’ve been going to for the last eight years or so.  They have all of my info on hand, so getting a loan is very easy.  Unfortunately, they can take a full day to get me my money.  If I need something faster than that I look around online for the fast no-fax payday loan lenders.  There have been a couple of times that I was able to get money deposited into by checking account in less than an hour.  These lenders are all over the internet, so spend some time finding the one that best suits your needs.

If I need a cash advance today but nobody can get me the money that I need, I turn to my skills.  While I don’t have kids of my own, I’m a really good babysitter.  My friends know this and I’ll offer to babysit their kids for the night, or ask if they can pay it forward on a night later in the week.  There are tons of different things you can do like this.  Go mow lawns or clean houses or find something that you’re really good at to get paid for.

Those are the steps that I follow when I need money today.  Like I said above, these aren’t the only options.  What they are is a great start for you to figure out what you can do to get money today and keep your life moving forward.

Same Day Cash Loans

One of the often talked about same day cash loans came to my rescue not long ago. I had just been paid by my employer, but all of sudden a few unexpected bills were due. A friend of mine recommended I take out the same day cash advance loans that are often advertised. I was a bit leery at first but I did not want to add to my credit card balance and would never ask any of my relatives for money, or for that matter my wife’s family. I know you have to have a bank account and of course I had one. The problem was not that I do not have any money, the situation was that I did not want to touch sacred funds or deal with credit.

I almost forgot to say why I needed one of those same day cash advances. My son was having his 18th birthday and I wanted to buy him a Blackberry and pay cash, because I dreaded signing another 2 year agreement with the phone company, which then would have given me a discount. The only alternative was to get a loan for about $400. All this was accomplished online and it was quite easy. A series of standard questions were asked and within a few hours the money was in my checking account. You can figure out the rest. I will tell you anyway. My son was ecstatic and I did not have to disappoint him. The higher interest rates charged on the payday loan did not worry me. My next check which I would receive withing the next two weeks would pay the loan back. Since the loan was getting paid back almost immediately and the amount was not excessive, the few dollars of interest was definitely affordable.

I understand that it is unwise to depend on same day cash loans to get through life, but in my case it solved a potential unsettling situation. Incidentally, my friend who recommended the company to me borrowed a similar amount to buy a car to use temporarily after his died on the road. He too paid back the loan immediately. Where he resides it is tough going to get to work by public transportation and he did not want to be late. In these economic times it does not take much for the boss to find an excuse to terminate you. Cash loans can be a useful tool to get you by when some unexpected expense appears. The companies explain to you, like they did to me, not to abuse this service. I read some negative reviews by credit card companies and banks about the evils of these loan companies. It is just that they resent the competition.

Online Title Loans

Online title loans are a quick and easy way to get fast cash, without a credit check. Vehicle owners are able to keep their vehicle and drive it wherever and however they choose, while at the same time getting the money they need.

There are essentially two different ways that vehicle owners can obtain an online car title loan. In both cases, the applications and loan process can be conducted over the internet, yet there are a few distinct differences between the two.

The first way, which is also called a title lien loan, essentially places a lien on your clear title of ownership. This loan is provided to you, regardless of your geographical location and without seeing the vehicle in question. The application process is a little more difficult than the second type of loan. Borrowers are required to show proof of residency, proof of income, proof of full coverage insurance, and proof of a free and clear title, among other documentation.

The second type of online title loan, which is actually a vehicle pawn, may or may not allow the owner to keep their car or truck. A lien is not placed on the title, but a signed contract is required. The application process is simple, often only requiring a few basic items such as proof of income and proof of vehicle ownership. In the case of a vehicle pawn, the perfect running condition of the vehicle is not always necessary, since the amount of the loan is much smaller. Should the vehicle owner fail to repay the pawn, the pawn broker simply sells the vehicle for scrap and recovers their money.

I personally have used both options, and I prefer the pawn option over the loan. I did not like the application requirements of the first, paying back the loan was a bit more difficult, and the fees were higher. In addition, I had to wait for the Department of Motor Vehicles to give me back my free and clear title once I repaid the loan, which was a major headache. In the case of the online title loan with the pawn broker, getting the loan and repaying the loan was very easy. Nobody bothered to change my title, and they allowed me to continue driving my vehicle.

On the other hand, the first option offered me more money during the online auto title loan application. I was permitted to pay back the loan in smaller, monthly payments. In the case of the vehicle pawn, I had to either pay back the whole entire amount in one lump sum or pay the interest every month. It actually took me longer to pay back the pawn than it did the loan.

No Credit Check Payday Advance

Getting a no credit check payday advance is a cinch. The reason they do not do credit checks is that payday loans are not extensions of any type of credit. They charge a very high fee that helps cover any loans that end up in default and they make a hefty profit working with a lot of people who cannot borrow money elsewhere.

It is amazing to walk into a no credit check payday advance store and walk out with fast cash. You are treated like the best customer in town and no one asks any embarrassing questions. You can use your loan for any reason you want; they do not care at all! Heck, if you just want to go out on the town and have a real good time that is okay too!

You may wait with baited breath while your application is up for approval but do not worry. Millions of people do this every day and they get approvals. The only thing that might slow you down or prevent a payday loan is if you have recently gone bankrupt or if you have not paid other payday loans. Those things they will find in their own system. Some high risk people are just too high risk for anyone to trust! That is why it is important to repay your short term loan on time and in full.

You must be of adult age with a bank account and monthly income of $1000 for approvals. Online loans are similar and do browse around for the very best deals. You may also find a no fee first loan at a local store front location to save money. People have no or bad credit histories for many reasons. That should not prevent you from getting emergency money from a no credit check payday advance lender.

My Best Payday Loan Experience

My best payday loan experience happens over and over when I need fast cash and go to one local payday loan store called Loan Mart, in Oklahoma City, OK.  It always surprises me because I am only in the store once a month and only there long enough to get my payday cash advance.

Somehow, the clerk in this payday loan store is able to remember my full name, and details about what we talked about previously, plus the things my daughter or son-in-law have mentioned when they have come into the store.  This clerk must have a photographic memory and full recall to remember all the things she remembers.  She doesn’t even have to ask me my name; she just goes and pulls out my file.  This happens even when there has been a longer time than a month between my instant cash payday loans.  I only go in monthly because that is how often I am paid (and it’s the only lender in my area that does monthly payday loans!).  For this reason it’s the best payday loan company, in my opinion.

This clerk really knows how to do her job quickly and efficiently.  There never is a long wait even when there are several people in line.  She can talk to you while processing your transactions and not miss a beat.  I can tell from her personal photo at her desk that she is a young mom with a very young child to take care of at home.

Surely she has her own financial and budget problems, but this young clerk makes getting a Loan Mart payday loan fun and friendly for others who patronize this payday loan store.  I am sure this is the best payday loan experience that I have had in years, and it really helps smooth out the difficult task of making ends meet by using a payday loan to bridge a cash shortage from time to time.

I have tried to find the best payday loan online before, and struggled to find one that offers good rates.  Payday loan lenders aren’t always very forthcoming with their rates and fees, but when you come across one that is you know that you’ve found a good company.

You can find a lender like this in your area, or online.  The best payday loan lenders are the ones that are honest and upfront about their services and fees.  I know that it can seem difficult, but if you spend some time looking at their sites, you can find one that will suit you and your families needs.

Note: This is a guest post by my friend Sue Wells from Oklahoma.  -Lydia

Get Paid To Take Surveys Online

This article about how to get paid to take surveys is a guest post by a good friend of mine, Charles Schumer, and his experience with it. -Lydia

I had heard that it was possible to get paid to take surveys online so I went on the internet to do some research. First, I wanted to be sure I was not just wasting my time as many of these surveys can take over an hour to complete. Second, I had to test some of these survey sites out. This took a little time and energy on my part but it was worth it. One was just a scam survey site and I was actually mad at myself for spending so much time on their website. It is called AW Surveys.

I tried a few other survey sites hoping to get fast cash to take surveys online and the majority of them have a high payout amount. This would mean working for a long time before ever getting paid. It was discouraging but I trudged on. I was soon glad I did when I happened upon Greenfield Online. It is also called Ciao Surveys. This website pays you immediately through PayPal. If you earn one dollar and want to be paid you just hit the payment button and within three days you will see the money in your PayPal account. In two and a half months I have earned $37.00! This is amazing! This survey site even emails me to remind me each day about their surveys and lets me know if they are paying surveys. All completed surveys count as an entry into their monthly sweepstakes contest too. They post pictures of each month’s winner in their community section. There is also a forum for you to meet other members and share information. I have learned a lot from this section.

I was very hesitant to start taking surveys online but I am so glad I did. The money has helped me pay my bills and I look forward to the next time I get paid to take surveys online. If you put more time into this than I did (just a few hours) you could stand to make a lot of money. With online surveys your effort and time is rewarded, and the more you put in the more you get paid.

Easy Cash Loans

Easy cash loans are just that – loans you can go in and get in minutes. You can do this marvelous feat at your local payday cash advance loan store and get immediate approval and cash on the spot. You just need to meet a few easy qualifications like being an adult and having income. It is necessary to have a bank account and recent statement that shows a positive balance.

Borrowing easy cash loans online is also quick and simple. Online you do not have to show anything to anyone; the easy application will ask for the information that is needed for your approval. You must be old enough and have income of about $1000 per month or more. You still need the bank account because online loans are transacted electronically in and out of your account.

Getting fast cash in between paydays used to mean hitting up your parents but today you can avoid that embarrassing situation. No one online or in a cash advance store cares why you need money to borrow or for what purpose the loan will be used. Look for an online lender that does not require any faxing because that takes time and may cost you money to do the faxes. When searching online look also for the best deals.

You can really find a great deal at a local payday loan store. Many will offer you a “no fee” loan for your first loan with a store or company. This is great and can save you a lot of money in the fee. For example, if you wanted to borrow $350 the fee might be a whopping $45 or so. By borrowing at new stores each time you avoid fees. Just don’t get caught in getting repeat loans! Remember, easy cash payday loans are truly easy to get!

Fast Cash Personal Loans To Get Money In A Pinch

We sometimes cannot help it, but there are times that we need instant cash to meet the deadlines of our bills and personal loans. Have you experienced waiting for the end of the month to get your paycheck because you are almost broke, but then your electric bill is due two days before payday? All your friends are out of cash and your parents cannot be depended to spare you some for they have bills to pay on their own. Instead of getting you electricity cut off, there is now a simple solution to your problem. Fast cash personal loans can be depended upon in times of dire need.

Pay those bills, fix the piping or repair your car even if payday has not yet come. With a fast cash personal loan, you can get the cash you need when you need it. Just be ready to pay it back in full, complete with its high interest rate.

With fast cash loans, you do not need to wait for months like when applying for a loan in the bank. Fast cash personal loans are approved in a flash. Not only is the approval fast, the handing of the money is as quick as well. You just have to wait 24 hours and you can be sure that the cash you need is now deposited in your bank account. This type of loan is more commonly known as payday loans because the approval comes in just 14 days, just until the next pay cheque. The loan can be repaid after the month’s end, when you get your salary. You also have the option to pay after a few weeks, once you settle your interest payments.

As mentioned earlier, warning is given to borrowers who would like to make fast cash personal loans. The interest rate for which can be as high as 30% of the original loan or even higher if you decide to extend your payment options. Given this requirement, you should consider fast cash personal loans when you’re in a rough situation.

For emergencies when you really have to make a loan, search the internet for lender options. Compare the interest rate and the payment terms of the various fast cash lenders online and choose the one that is ideal for you. Borrow only the amount you need and return it as soon as you get your salary. These loans are certainly the fastest when you find them online. In some situation you can get cash in as fast as one hour when you get your loan online.

Title Loans For The Unemployed

Is it really possible to get title loans for the unemployed?  The (vague!) answer is sometimes, but it takes a bit of research to find them.  When you’re unemployed there aren’t a lot of options for fast cash, but those options are starting to grow.  The crappy economy had opened new opportunities for short term lenders to make more money and offer new types of loans.  One of the more common ones are unemployed title loans.

I’ve actually used this type of loan in the past.  I was living in Los Angeles and was broke as a joke with no job.  I grabbed the phone book and started dialing every title lender and pawnbroker in the entire Southern California area until I found one that could help me out.  That took about two days, but it paid off!  Nowadays, you don’t have to waste that much time on this since you have the internet at your finger tips.

Unemployed Title Loans

How in the world can you get approved for a loan without having a job?!  It’s because most title lenders don’t give a damn whether or not you have a job!  All they care about is how much your car is worth and if they’ll be able to find it if you don’t repay the loan.  Not every auto title lender is this way, but a good portion of them are.

Pink slip loans are simple.  It’s a secured loan that uses your paid off car as collateral.  You’re lent money based on the value of the car and you repay it in 30 days.  If you don’t pay the loan back, your car is repossessed and sold.  Secured loans carry much less risk than unsecured ones do, so you can be lent money even without a job.

How To Find Title Loans For The Unemployed

This is the tricky part.  You have two options to find your loan, online or offline.  I recommend starting online since you’re already in front of the computer.  What you have to do is find every online title loan lender and contact them to see if they can help you out.  If not, move on and find the next one.  There are thousands to choose from.

Offline title lenders can be very hit or miss.  Some of them are run by total jerks that only want your money, while others really want to help you out.  The only way to figure out who’s who is to get on the phone and dial away.  It’s really easy to get frustrated after being turned down a few times, but if you’re pleasant with the lender, they are much more likely to give you a hand.

Be Careful!

Since title lenders are going to get their money whether you repay the loan or not, they have no problem lending you more money than you have a shot at paying back.  You may be offered a loan of $5000 if you have an expensive car, but if you’re unemployed you have no chance in hell to pay that back.  Take only what you need and can afford to pay back!

Title loans for the unemployed are out there, but it will take some work on your part to track them down.  What are you waiting for?  Get going!!!

Fast Cash Articles

Hey all,

I just ran across a few cool articles in my never ending search to find you the best ways to get fast cash that I though I would share with you.  The first article is called Make Money Fast and it goes through various ways to make money on the street.  Have you ever thought about being a street performer to put some cash in your pocket today?  I hadn’t, but it really made me think that all those years I spent learning the guitar could be put to some good use!  The article also goes into making money with recycling and starting an online business.  Both of these are more great ways to get some fast cash.

The second article I want to share with you is called Quick Ways To Make Money.  This article is similar to the pawn shop article here, but goes into much more detail about how to learn to part with your stuff and set up a garage sale.  The key to a good garage sale is promotion, and the method outlined in the article is a way I never thought of (of course I’m not giving it away, read the article to find out!).

All in all, I think these methods are two more great ways to get fast cash when you need it.  As this site grows there will be many more of these to come, so stay tuned!

Thanks for reading,

Lydia

30 Day Payday Loans Getting You Help When Needed

Have you ever tried 30 day payday loans? Many people have and the popularity of these types of loans just continues to grow. In tough economic times you will see more and more people getting these types of loans to see them through some financial woes that may crop up. I have used them myself for fast cash and can tell you they were a lifesaver for me and saved me money on bank charges I would have incurred. Let’s take a closer look at these loans and see exactly how they work and how they can help you out when needed.

At one time or another everyone finds themselves in a little credit crunch and many have no idea where to turn. A 30 day payday loan can be the answer for many people if they are used properly and not abused long term. These loans are usually good for 30 days and must be paid back in that time frame. Most payday loans these days are 100-500 dollars and you will also pay an interest charge on the amount you borrow.

Finding 30 Day Payday Loans

The process is simple and almost everyone is approved as no credit check is need. All you need is a stable income and a checking account and you can get one of these loans. The money is usually deposited into your checking account in hours or sometimes even faster. When your loan comes due your account is then debited for the amount you borrow plus the interest charges. It’s a really simple process and no long forms to fill out and with almost everyone approved you can see why they are so popular.  These are the best type of payday loan for people who are paid monthly.

These types of loans can be very beneficial for you and help you in many ways and save you money as well. These days bank charges keep going up and this type of loan can help you avoid those if they happen to crop up. Other things such as car payments, wedding gifts, and car down payments are just some of the things that 30 day payday loans can be used for. Most people use them to avoid bank charges, but really the list is endless on what these loans can be used for when needed.

The key is do not abuse these types of loans and borrow only what you can afford to pay back. Many people get in trouble by overextending themselves and borrowing what they cannot afford to payback. These loans work great as long as you use them for what they were meant to help you out when needed. Always read the terms of the contract so you know exactly what is expected of you so no surprises ever crop up. 30 day payday loans can be a lifesaver so use them wisely and they can be your best friend in time of need.

Getting Same Day Cash

Are you low on cash? Need some same day cash until your next payday? Have you ever considered trying a payday or title loan to help you meet your bills until your next paycheck? Many people are confused about how same day cash loans like these work, but let’s look at how they work and if they are right for you.

Always remember that everyone needs a little financial help now and then.  Half of Americans live from paycheck to paycheck, so that means that 152,029,862 are going to need some assistance to pay their bills when an emergency expense arises.  Most of them will use whatever credit cards they have to cover it, but for those of us that have bad credit this can be very difficult.  The same day loans that are outlined in this article require no credit check, so they are great options for fast cash loans for people with bad credit.

Same Day Cash Advances

Payday loans are loans that are given to people to help pay a bill if an emergency arises very quickly. These same day cash advances work very fast and can get you money within a few hours.  They usually need to be paid back when you receive your next weekly or bi-weekly paycheck. What makes these loans so popular is they are quickly processed and many times you can have the cash in your account the same day depending on various factors.  These same day cash loans have no credit check and all you need is a job and a checking account. This is one of the fastest ways to get same day cash and with short forms to fill out getting your money is a breeze.

Payday loans are also available online.  They function the same as regular payday loans, but the entire application process happens online, and the money is deposited into your checking account electronically.  Same day cash loans online can be an extremely fast way to get money directly into your checking account.

Same Day Cash With Title Loans

Title loans are another type of same day cash loan. Title loans are where you use your car title as collateral to get some cash to help you out in a pinch. These types of loans also have no credit checks and the online forms are very easy to fill out. You can have your cash in as little as 15 minutes which is something many people like about these types of loans.  To get a title loan you will need a clear car title, drivers license or state issued I.D., and the vehicle must be inspected. Some title lenders do not require proof of employment, so these are an option for fast cash loans for the unemployed.  After all these requirements are met your money will be deposited into your account.

Payday loans and title loans are some of the most popular ways to help you pay those added expenses that come in when your a little short on cash. As far as the terms of these loans everyone is a little different so you will need to read the terms of your agreement before you sign anything.  Always make sure you do not get a payday loan or title loan that is beyond your means. These fast cash loans are meant to help you out and should not become something you depend on every week. These two options above are a great way to get same day cash when you’re in a pinch and a little short on funds. If used properly they can be a valuable asset for you.

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