Payday Loans and Fast Cash Guide

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.

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.

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.

How Do Payday Loans Work?

For most people the first time they need a payday loan they are in a financial emergency.  The stress of needing money trumps the importance of really figuring out what they’re signing up for.  They look for the first place that can get them some cash, and go with that one.  I’m not going to tell you that a payday loan is a bad idea, instead I want to show you how they work so you can make an educated decision on why you need one and where to get it from.  Staying responsible with payday loans is extremely important since getting yourself into debt is easy to do.  You may have to find a debt management group to help you out if you get into trouble, which is something that no one ever wants to do!

The reason people gravitate towards payday loans is that just about everyone applies gets approved.  There’s no credit check, no BS, just some paperwork and cash in your bank account.  Payday lenders will have their own specific qualifications, but the basics are:

That’s all there really is to how payday loans work.  You can borrow money based on how much you make, but the first loan is usually much less than the total amount that you can afford.  The reason for this is that first time borrowers are a much higher risk from the payday lender’s point of view.  If you ever need another loan you can go with the same company and you’ll be able to borrow much more.

Interest rates are high with all short-term loans like this.  When calculated into an APR it can be well over a thousand percent.  You have to realize that payday loans aren’t paid back over years, instead they are repaid in a couple of weeks.  If you were have a “traditional” APR of 14-18% you would only end up paying a dollar or so in interest, which would be great for you but unrealistic for a payday lender to stay in business.

On average, you’ll pay $25 for each $100 that you borrow on a payday loan.  That means that a $600 loan will cost you $750.  Keep that average in mind when you’re shopping around for a loan and if you come across something that is way higher or lower than that proceed with caution.

There are two common ways that a payday loan is repaid.  The “old-school” method is to write a post dated check for the day the loan is due for the total amount.  The second method, which is most common with online payday loans, is for the lender to automatically withdraw the money from your checking account.  If you get the option, I recommend going with the post-dated check so that the lender doesn’t have any sort of access to your funds.  I’m sure that you’ll pay your loan back, so you won’t have to worry about that, but I always err on the side of caution.

In order for you to get a good rate on a payday loan you have to be a smart shopper.  I know that you’re situation is stressful, but it you can stop for a second and treat this like you’re buying a car you will save yourself a lot of money and frustration.  I use the analogy of buying a car because no one hauls ass to the closest car dealership and buys the first car that they see.  Spend a few minutes to see what is out there and what their rates are like.  Trust your gut during the whole process.  If something feels fishy, it probably is, and your business will be appreciated elsewhere.

Payday loans are a great way to get cash in an instant.  If you know what you’re getting yourself into you’re much more likely to have a good experience with a payday loan and keep yourself out of trouble.

Feel free to use the Contact Us form if you have any specific questions.

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.

Where Can I Get Fast Cash?

I get the question “where can I get fast cash?” a lot here at Fast Cash Authority.  The answer boils down to three things that you can do to get cash fast.  Usually, you’ll end up getting a loan, but the most important thing is to take the necessary steps to reduce the amount that you need to borrow.  This is best done by selling off the extra crap in your house and working fast cash jobs.  I’ll break these down in more detail below so you know what you’re doing.

The easiest way to get cash fast is to sell off the crap that you have in your house.  If you’re like most people, you have a garage full of things that are valuable, but you don’t use them any more.  It could be electronics, sporting equipment, tools, or anything that never really goes out of style.  You can round everything up and head to the pawn shop, or head to stores that only buy what you’re selling.  Pawn shops are easier, but the specialty stores will pay more.  Be sure to spend a few minutes cleaning up your stuff before selling it, you’ll get more money.

Fast cash jobs are everywhere.  You can go mow your neighbor’s lawn, or hand out fliers for your local pizza shop, or babysit your friend’s kids.  Figure out what you’re good at and have the tools on hand to do and go do it.  Have a bunch of cans and bottles laying around?  Go recycle them.  Are you a big guy?  Go be a bouncer.  I think you get it, look for immediate opportunities and go take care of it.

Doing the things above will reduce the amount of money that you need from a loan, or even eliminate the need altogether.  Payday loans are a great way to get the rest of the money that you need.  They are safe, reliable, and easy.  You can get them online if you live in an area where there aren’t many payday lenders around, or you can kick it old school and go to the store to borrow cash.  Either way you go, you’ll get the cash that you need.

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.

Make Money Fast And Easy

This post is going to be a bit of a recap of all of the ways to make money fast and easy that we’ve written about here on Fast Cash Authority.  When you need to make money fast, there are a few valuable traits that you must possess.  Most importantly, you have to be resourceful.  There are millions of ways to make money, and you make come across something that not a lot of people have thought of and make a ton of money.  Also, you have to be creative.  Creativity, when paired with resourcefulness, is the key element to getting paid easily.

Keep your eyes peeled for any opportunities that may arise while your figuring out how to make money fast and easy.  You are the only thing that holds you back from really getting cash fast!

Make Money Fast And Easy Online

The internet is the new frontier of making money.  For every legit method, there are dozens of snake oil salesmen and gurus that want to take your money.  The biggest problem with this is that making money online seems so easy, when in reality it’s pretty tough, and the gurus sell it as being easy.

The post Fast Cash On The Internet goes into detail about two websites, Cash Crate and Project Payday, that allow you to get paid by taking surveys and signing up for free offers.  The work is actually very easy, you get paid fast, but you have to keep the work up to maintain an income.

If you’re looking for a way to make money online that involves more work, but will get you long-term income, check out the Keyword Academy.  The TKA is essentially a school that will teach you how to make a living blogging.  Right now, it only costs $1 to get started.

Make Money Easy And Fast

When I need to make money fast, I take all the crap in my house and go sell it.  This is super easy, and you don’t have to pay anything back.

The post Cash For Books will show you how to get the most money for your books.  Fast Cash at The Pawn Shop will teach you how to maximize the amount that you can get from pawn shops, as well as the best stuff to sell.

Earn Money Fast And Easy

If you’re willing to work a little bit there are tons of different cash paying jobs that will get you money fast and easy.  I’ve broken this into two categories, fast cash jobs and easy money jobs.

Guaranteed Bad Credit Loans

You know those days we all have? Those days where everything goes wrong? Recently, I had such a day when my old furnace died needed replacing. I wanted to panic because I was short on repair funds. With cold weather starting, I needed a fast solution. I needed money quickly to make the necessary repairs. I researched and found an excellent solution, guaranteed loans for bad credit.

Now my credit isn’t the best because of some economic setbacks. I knew my bank would not loan me the fast cash I needed. The perfect solution appeared when I discovered I would qualify for one of these guaranteed bad credit loans. These loans are perfect for people like me, with credit issues such as a bankruptcy, credit card default or a number of events that make us ineligible for traditional types of bank and credit loans.

I was delighted to know a loan institution would offer guaranteed loans with bad credit that were easy to apply for and tailored for people whose credit was not perfect. My loan had no credit check, and approval was amazingly quick. The information I provided to them came with reassurances of safety and confidentiality. I was approved for the loan I needed with a fair interest rate and terms and conditions I understood and accepted.

Being approved for guaranteed loans for bad credit I found was the answer to my heater woes. I would recommend applying for these loans when you need funds for emergencies, needs and other issues. Don’t let your bad credit discourage you from applying for these loans. These special loans have a high rate of approval for applicants. You have nothing to lose and everything to gain by applying for these special loans. Why wait any longer, simply fill out the application, provide the information, wait and collect your funds.

Direct Deposit Payday Loans

Direct deposit payday loans are one of the most convenient ways to get fast cash.  They are also becoming more and more common as technology and internet security are improving.  The premise is simple, you get a loan and they deposit it directly into your bank account.  This is extremely easy and you may never have to leave your house to get a loan and pay your bills.  But how does this all work and is it safe?  We’ll examine both of these questions below.

Payday Loans With Direct Deposit

I’m pretty sure that you already know how payday loans work, but in the case that you don’t read this post of fast cash payday loans to get the juicy details.

With a regular payday loan, you’ll either walk out with cash in hand or a check to go to the bank and deposit.  For hundreds of years this has worked great, but technology has made us a bit lazy and would rather do the entire process in our underwear!

A direct deposit payday loan will put the money directly into your checking account, and withdraw it directly (more on this later) when the loan is to be repaid.  You’ll have to give your bank account information to the lender in order for them to directly deposit your money.  This information is found on your checks, you’ll need the routing number and the bank account number.  The routing number is the one on the left of your checks and bank account number is on the right.

In order for you to get your money fast and have it available right away you’ll need to meet a few requirements.  First, you have to already have some money in your account.  If you’re over drafted not only will you lose some of your loan to repay it, but there will be a hold on the payment and the lender probably won’t lend you any money.  Also, do your best to get the loan while the banks are open for the day.  If the banks are closed in your time zone, you won’t be able to access your money right away.

The Downside Of Direct Deposit Payday Loans

While this all may seem pretty convenient, it certainly has its risks.  I wouldn’t worry too much about your bank account info being compromised, but what you should worry about is the opposite of direct deposit, direct withdrawal.  They’re going to be able to take their money back when it’s time to repay the loan.  You’re probably thinking, “no big deal, one less trip out of the house.”  What happens if you don’t have enough to cover the loan?  You’re either going to overdraft your account or fail to repay the loan.

The scary part hits when you fail to repay the loan.  Payday lenders become leeches onto your bank account in this situation.  They’ll keep adding on interest and withdrawing money from your account until they’re satisfied.  It’s a very slippery slope that you’re sliding down in this situation!

If you’re good at monitoring your bank account and are sure that you’ll have no problems repaying your loan, a direct deposit payday loan is an easy and convenient way to go.  If you’ve had trouble with stuff like this in the past, I recommend sticking to the old school way of getting a loan.

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!!!

Getting Cash Is Easy

Getting cash when you’re strapped is pretty easy.  Probably much easier than you think it is.  I’m not going to tell you to go do something dumb and illegal, but show you some real ways out there that will get cash fast for you.  There are thousands of different things that you can do, but they really fall into three categories; get a loan, sell stuff, or work for it.  We’ll explore these three categories a little more closely in this article.

Keep in mind that I can’t give you the magic bullet that will solve your money problems.  Every situation is unique, so what works great for one person may not work well for another.  What I will do is show you what kinds of options are out there and you can take what I write and apply it to where you’re at right now.  It’s not hard to get fast cash, but it does take some creativity and resourcefulness.

Get Cash Now With A Loan

When you’re  trying to figure out how to get fast cash you’re going to see tons of ads and offers for loans.  Do you know why this is?  Simply because it’s the fastest and most reliable way to get money fast.  The catch is that you , obviously, have to pay the loan back.  Most short term loans are designed to be repaid when you get your next payday, so it will fall in line with when you’re going to have money again.

The most common type of short term loan for fast cash is the payday loan.  They’re also called payday cash advances and personal cash loans.  The premise is simple, you get a loan based on how much money you make and you pay it back after you get your next paycheck.  For details on how to be approved, read this article on fast cash payday loans.

There are other types of loans like this.  If you have a car that is paid off, you can get a car title loan.  If you have good credit you can get a small loan from the bank.  If you haven’t depleted your mom, ask her!

Getting Cash Fast

My favorite way to put money in my pocket quick is to sell all the crap that I hoard around my house.  I’m the queen of garage sales, and tend to end up with a lot of stuff that I don’t really need.  I certainly had the best intentions when I bought it, but now I need the money!  It’s time to head out and sell everything!

Pawn shops are a great place to start, but if you know of places in your area that specialize in buying the stuff that you have, you’re going to make more money.  For example, a used video game store is going to give you more money for your systems and games than a pawn shop will.

Fast Cash Jobs

My grandpa always told me that there are no free lunches in life.  I don’t believe that 100%, but I do know that a great way to get fast cash is to work for it!  There are tons of things that you can do get money.  If you’re interested in getting cash this way, read this post about fast cash jobs.

When you really boil it down into a plan, it’s really not hard to get fast cash.  If you keep sitting there and stressing out about it you may end up talking yourself out of a really good idea.  So get started now and do something!

Adjust Withholding To Get Extra Money

I’ve written pretty extensively here about the different ways to get fast cash, so I can’t believe that I haven’t thought of this yet!

If you have a job and are having trouble making ends meet, adjust the withholding amount from your paycheck!  It’s so simple, yet so overlooked.  If you’re going to need this money on your next paycheck pay close attention to when your pay period starts and stops.  You’ll need to discuss this with your HR or payroll department.  The paperwork has to process in time to take effect on the next check.  Adjusting your tax withholding amount can put a lot of money back into your paycheck.

To figure out how much, use this withholding calculator from the IRS.

Fast cash isn’t always free cash, and this is one of the not-so-free cases.  Any money that you withhold from the Man will have to be paid when it’s tax time, so be ready to pay handsomely in April!  The good thing though, is that the IRS doesn’t charge interest on your withholdings, and if you can’t afford to pay all of your taxes they have tons of different payment plans and options to help you out.

I’ve got to add a warning in here though.  Dodging your bank or payday lender on money is one thing, but you can’t run from the IRS.  They have the full power of the government to get the money that you owe them!  This means that they can shut down your bank account, take your stuff, or do whatever they want to get themselves paid.  There are a few things in life that you can’t really screw with, and the IRS is one of them.

Free Payday Loans, Are There Such A Thing?

Do free payday loans actually exist?  The uncomplicated answer is yes they do exist, but they are rare and usually have some sort of catch involved.  You have to understand that by free they don’t mean that you get free money, they mean that you don’t have to pay any interest on the loan.  Free money sounds nice, but the amount of money you can save without interest is almost as nice!

Payday loans can be really freakin’ expensive.  The average interest rate on a payday loan is $25 for each $100 borrowed.  That equals out to $125 for every $500 borrowed, or a $1000 payday loan will cost you $1250.  That’s the unfortunate price for high risk short term loans!  If you can dodge that interest rate even once, you’ve saved a ton of cash!

Find A Free Payday Loan

The most common way to find a free payday loan is when lenders are having specials to get new accounts.  They’ll offer a free first time fast cash payday loan.  I’ve always called this “crack marketing.”  It’s the idea that the first hit is free and you’ll certainly come back later on for another.  After the first free loan, they’ll usually charge you a little higher than the average amount to get their money back.

There’s a big workaround in all of this.  The trick is to note all of the free first time payday loans you see, and make the rounds every time you need a loan.  It’s certainly a pain in the ass to pull this off, but it can save you a ton of cash if you use payday loans often.

When looking for free payday loans don’t expect that your local lenders are going to be very friendly when you call and ask if they’re giving away free money today.  They want to make money as much as you want to get money right now!  The best place to start in your mission is online.  You’ve come to a good place already and are off to a good start, but I don’t sell stuff, I just give advice!  There are thousands of online payday lenders out there so be sure to check out a lot of them before signing up.

I should probably tell you about payday lender websites before you hop along on your journey to get fast cash.  Most sites you come across are going to be “lead generation” sites that will give your info to a bunch of actual lenders in order for them to get paid and you get a loan.  This isn’t a bad thing at all, but you have to be ready for your phone to light up and your email inbox to quickly fill up as soon as you put your info into one of those boxes.  You’re going to get a ton of loan offers right away.  Be ready to get a loan when you fill out the contact form!

To sum this ramble up – Yes, free payday loans do exist and they are legit, but it takes work to find them and even more work to exclusively use them.

Tips For Getting Fast Cash

Payday loans are one of the many tips for getting fast cash that I have found throughout my life. I recommend that everyone know how they work and how to use them in the case that they need one later on. Everything may seem good right now, but the future is pretty hard to predict and you may need some financial help down the road. As long as you have a job and a checking account, you can get a payday loan. One of the biggest benefits of payday cash advances is that they can put money in your pocket very fast. The interest on a cash advance is high, but that is the price for fast cash that we have to pay to get it when we need it.

Payday loans are a good way to get fast cash, but is it safe?

It is hard for many people to trust payday loan lenders because of the bad rap that a few of them have put on the rest of them. Some payday lenders are absolute sharks, and want nothing more than to leach as much money as they can from you. The good thing is that most of them aren’t that way, and figuring out which is which is fairly easy as well. The key is to trust your instincts with these loans, and after spending some time looking at different lenders and their websites you will be able to tell. Always keep in mind that the average rate for a payday loan is $25 per $100 borrowed, so anything that is very different from that should be seen as a red flag.

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