Payday Loans and Fast Cash Guide

Title Loans

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

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

How Title Loans Work

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

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

The Risks Of Car Title Loans

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

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

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

My Title Loan Story

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

Thanks for reading!

-Lydia

Fast Cash With No Job

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

Loans For The Unemployed

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

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

Sell Stuff For Fast Cash

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

Fast Cash With Seasonal Work

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

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

Thanks for reading,

Lydia

Get Cash Really Fast

There are tons of ways to get cash really fast, but unfortunately most of the claims that you see that promise “$5000 Overnight, While You Sleep!” or something to that effect are all a scam.  My goal with this site is to show you ways that will put money in your pocket today, without getting ripped off or ending up in more trouble than you started in.  I’ve spent a good portion of my life broke as hell, and I made the mistake of falling into these traps a few times.  If you remember one thing from reading this, it should be free money is never free! It’s extremely easy to jump on the first opportunity for money when you’re desperate, but you must still keep your wits!  You can get cash really fast in smart ways that keep you safe, without doing any unrepairable damage to your financial life.  I’m certainly not an angel, and have done some dumb things throughout my years on this planet, but I don’t want you to make the same mistakes that I made (and tons of people are making while you read this!).  If it sounds too good to be true, it probably is.  I don’t put anything on this site that I wouldn’t personally use myself. The safest and most reliable way to get cash really fast is with a payday loan or other fast cash loan like that.  You have to pay the loan back with interest, but you’re not doing anything that is going to screw you up down the road.  When used intelligently and responsibly, a short-term cash loan is going to put money in your pocket today and allow you to keep your life moving forward. There are other ways to get fast cash like pawning stuff or getting a fast cash job.  Spend a few minutes cruising around this site to learn more about those. I just ask that you don’t sign up for something that seems to good to be true, or you’ll pay dearly for it later on! If you’re looking for info on www.cashreallyfast.com read this. Thanks for reading, Lydia

No Direct Deposit Payday Loans

No direct deposit payday loans are still very common, and easy to find.  This post is a follow up to my last post on the pros and cons of direct deposit payday loans.  There are tons of reasons that you might not want to have your payday loan directly deposited into your checking account.  Personally, I feel better when someone hands me cash or a check, but that might be due to my mild distrust of technology…

You have to keep in mind that even if a payday loan lender doesn’t do direct deposit you still have to have an open and valid checking account (savings account in some situations) to get a payday loan.  Read this article about fast cash with no bank account if that’s the situation that you’re in.

Payday Loans With No Direct Deposit

I’ll be frank with you, you’re going to have a hard time finding this type of payday loan online.  How else are they going to give you money?  Do you want to wait for a check to show up in your mailbox?  If these loans are available online, I would love to know how it works and which lenders are doing it (if you know leave a comment).  Many people hit a brick wall at this point.  They feel like online payday loans are their only option and have nowhere to turn when they can’t get a loan.

So what do you do?  Put on your shoes and hit the street!  Old school payday lenders are still all over your town or city, and they write checks or give cash.  If you need cash, call ahead to see which lenders will give you cash straight up.

Have you ever wondered why most payday lenders also do check cashing?  So they can charge you interest on your payday loan, then charge you to cash your check!  Payday loan arbitrage, I say!

The Best Thing About No Direct Deposit Payday Loans

If you’ve read my last post about payday lenders that do direct deposit, you already know this so don’t spoil it for everyone else.

Without direct deposit you’ll write a post dated check to repay your loan.  That is awesome!  This means that your payday lender doesn’t have direct access to your checking account and can’t leech money out of your account if you happen to get into trouble.  Direct deposit also equals direct withdrawal!

No direct deposit payday loans are all over your town.  Sure, it’s not as cozy and convenient as doing it all online, but when you need to get cash fast you’ll have to do something to get it!

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.

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!

How To Make A Quick Buck

As the popularity of this site has grown, I’ve gotten a lot of questions about what the best way to make a quick buck.  The answer is actually very simple, sell something!  Figuring out what that something is can be a little more tricky, so we’ll spend this post looking at some easy ways to turn your crap into cash.

You could certainly turn to loans or other traditional methods for getting fast cash, but if you have the stuff on hand and know a few people, this method will get you the money that you need without having to pay it back.  Obviously, it’s important that you only sell stuff that’s yours to sell, and please keep it legal.

Have A Yard Sale

The flat-out easiest way to make money is by having a garage sale.  They keys to a successful garage sale are organization and promotion.  If you want to make a lot of money doing this, you’ll have to follow both of these.

Give yourself at least a week to get all of your stuff together and plan the sale.  In this week you can find other people to participate in the sale (this may seem counter intuitive but the more stuff and resources you have, the better the sale), you have to round up enough change, and spend time promoting your garage sale.

A word on good garage sale signs – Your signs have to be able to be read while in a car doing 40 MPH.  If you can’t read them from a moving car, you’re screwed.  So many people fail at this part, and it’s so easy to fix.  Instead of thinking like a traditional garage salesperson, pretend that you’re designing billboards for the side of the highway.  Bigger is definitely better, keep only the important information, and black on white is definitely best.  Put your signs in your neighborhood, as well as on every single major intersection around your home.  Think big!!

Be prepared to haggle a little bit with your customers.  They’re going to want to pay you pennies for something that you think could be worth a bit of cash.  You have your stuff out there to sell, be ready to sell it!

Make A Quick Buck Selling Gold

Since I’m not in the business of buying or selling gold, I can offer unbiased advice on the subject.  My biggest point of advice is that you don’t listen to everyone else’s advice!  There are so many people out there who are ready to scam you on this, don’t fall into their trap!

Don’t go to gold parties, don’t mail your gold in, don’t go with the first offer you get!  I’m going to be blunt about this, mainly because most people become idiots when they’re offered a good amount of money for their gold and jump on the first offer they get.  Here’s the deal, get a few opinions and go to the ones that have been buying and selling gold during good and bad times.  These are jewelers and pawn shops.  They’ve been specializing in this stuff since the freakin’ gold rush!  Go to a few different places before making a decision, I know it’s quite as quick of a buck as it could be, but the buck will be bigger.

Make A Quick Buck In The Kitchen

This is one of the most successful money making ideas.  Do you work with people?  Do you have friends?  Do they eat?  I’m sure you can answer yes to (most of) these questions.  If you’re good in the kitchen you can make quick buck by cooking things that travel well and selling them.  Think tamales, sub sandwiches, cookies, brownies, and all sorts of finger food.

You could go door to door with this if you were feeling entrepreneurial.  When they ask you what charity you’re going to donate the proceeds to, tell them that you’re working to get your kid into private school to get him/her the things that you never had growing up (or some over the top story like that).

These obviously aren’t the only ways to make a quick buck, but they should get your brain juices flowing to figure out how you can apply this to your own situation.

Thanks for reading,

Lydia

How To Get Fast Cash

If you’re trying to figure out how to get fast cash, you’ve come to the right place.  Here at Fast Cash Authority, we dive into just about every possible way to put money into your pocket today.  Through our research and experience, we’ve concluded that there are three basic means to getting fast cash; sell stuff, work for it, or get a loan.  This entire site is build upon those three pillars. In this post, I’ll sum up all three of those for you, as well as provide some links so you can learn more.

Get Fast Cash By Selling Stuff

The best way to get cash fast is to get rid of the crap laying around your house.  This is the best way simply because the work is minimal and you don’t have to pay anything back.  I tend to collect crap so this is my go-to method for getting money when I need it.

You can start this process at the pawn shop.  They’ll buy just about anything that is in good condition.  If you’re a bit more savvy you can find stores that specialize in buying what you have to sell.  Video games go to the video game store, guitars to Guitar Center, etc.  Following this method will get you the highest payout since pawn shops aren’t experts in every field to offer you the proper amount for what you’re selling.

Read more on pawn shops here.

Read about getting money for recycling here.

Get Fast Cash By Working For It

There are tons of different odd jobs you can do to make money today.  Personally, I’m a great babysitter so I watch my friend’s kids when I need to make a quick buck.  If you’re good at something there is probably someone around that will pay you to do it.

Read about fast cash jobs here.

Read about easy money jobs here.

You can also make a quick buck online.  There are legit programs, like Project Payday, that will help you get money today.  Be wary of most online cash deals, since most of them are scams (remember Google Fast Cash?).

Get Fast Cash Loans

When all else fails, fast cash loans are the most reliable and easiest way to get money today.  The catch is that you have to pay it back.  The most common loans are short-term ones like payday loans and title loans.  These loans are considered short-term because they’re repaid in 2-4 weeks, and carry a high interest rate.  Another great thing about loans like these is that they usually don’t require any sort of credit check, so you can get cash with bad credit.

To learn more about payday loans click here.

To learn more about title loans click here.

The worst thing you can do right now is to wait.  If you’re trying to figure out how to get fast cash the best way to learn is to get started and figure it out as you go.  You’re going to learn a lot in the next few days and this will make it tons easier next time you’re in this situation.

Fast Cash Loan

The fast cash loan is a way to get yourself some money in a pinch.  These loans are certainly expensive, but when you need money fast, they’re one of the best ways to get yourself out of money trouble.  When used responsibly, short-term loans can be a very useful tool to keep checking account in the green.

There are a few types of fast loans that can get you the cash you need on demand.  The two most common types also work great for people who don’t have good credit.  These are the payday loan and the auto title loan.  Both types of loans can get you cash fast, and are some of the few loans that don’t require a credit check.  Personal loans from the bank are also a viable source of quick cash.  These require a decent credit score, but offer much better terms.  Let’s take a look at each one in a little more depth so you can decide which is best for you.

Fast Cash Payday Loan

The fast cash advance payday loan is the method that most people turn to when they’re short on cash between paychecks.  These types of loans aren’t available in all states and are under loose regulation, so be sure to shop around to find yourself the best deal possible.  All you need to be approved for this type of loan is proof that you have income, proof of who you are, and a bank account.  It’s really that easy.  They don’t care about your late credit card payment or your defaulted loan, they want to give you money.  The fast cash advance loan is perfect for hard working people just like yourself to get the money that you need to make it through to the next paycheck.

Fast Cash Title Loan

Auto title loans are a risky business, but can get you some serious money when you need it.  The premise here is that you put up your car as collateral for your loan.  You’ll need proof of who you are, the title to your ride, and an extra set of keys.  The keys will be returned to you after you’ve repaid the loan.  This secured fast cash loan can get you quite a bit of money, without needing to look into credit scores or, sometimes, employment verification.  There’s a catch (there always is), if you don’t pay back your title loan, they repossess your car.  This is one of the most common bad credit fast cash loans and they make a lot of money by repossessing and selling cars, so be sure that you’re going to be able to pay the loan back before you sign anything.

Some title loan lenders are so serious about getting their money or repossession, they’ll stop at no lengths to get it.  One title lender in Arizona went as far as to install a GPS tracker on the car as a term of the agreement.  This allowed them to find the car, no matter where it went!  The lesson here is to be sure that you can pay the loan back before getting it.

Fast Cash Personal Loan

It’s sometimes easy to forget that banks lend money too, and not everyone has bad credit (okay, most of us do…).  Many banks can approve small loans very quickly and get you the money you need the same day.  They’ll offer much better terms than a auto title or payday cash advance lender will, meaning you’ll get a much lower interest rate and longer to pay the loan off.

There will always be fast money available somewhere, and these are just the most common options.  Good credit, bad credit, or no credit, if you look hard enough someone will be out there waiting to give you the fast cash you need.

• Can’t Find What You’re Looking For?

• Mandatory Reading

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

• Hall Of Fame Posts
• Cash Really Fast Fast Cash Loans No Credit Check Loans Title Loans Payday Cash Advance Loans For Unemployed