Now that I got that off of my chest, lets get into the real details!

The key to streamlining the process even further is to understand what you’re getting into and what paperwork you need.  If you are sure that you can meet all of the qualifications and have the check stubs to back everything up, getting a loan is going to be extremely easy.  While there are no such thing as guaranteed payday loans, it’s not hard to meet these requirements and make sure that someone is going to qualify you.

How much money do you need?  Having a precise dollar amount will make this even easier because you can easily turn down a lender that does not offer you enough money, instead of scrambling to find it later on.  Most lenders will give you as much as 25% of your total monthly gross income (income before taxes), so use that to figure out if you are able to qualify for enough to cover whatever you need it for.

So what makes getting your loan online different?  It’s easier from the start because you don’t have to leave your house, and almost all lenders don’t require that you fax them any paperwork.  The no faxing payday loan is now the norm, so even if you live in the middle of nowhere, you can get a loan.

Shopping around is also easier online, and will help you find low interest payday loans.  When you’re dealing directly with the lender, you’re going to be able to see exactly what their rates are for the amount of money you are borrowing, which allows you to compare one lender to the next with ease.  While you’re doing this, you can also look around their websites to see if they are offering any sort of first time borrower specials.  Many lenders do this, and sometimes you are able to get a loan with no interest at all!

Easy payday loans are one of the best ways to get fast cash, but they come with great responsibility.  It only takes one mistake to turn something so easy into a complete nightmare.  Missing a payment, or only making the interest payment, will make the total cost your loan explode and become nearly impossible to pay back.  Get your loan, pay it back, and never return!  This is the only way to make sure that you stay completely out of trouble with payday loans!

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Fast Cash Loans

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

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

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

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

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

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

Fast Cash Without A Loan

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

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

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

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

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

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

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When we owe money on bills such as a telephone bill or electricity bill, they can build up quickly because of high interest charged on unpaid balances. The longer you go without paying the full amount, the more profit that the company will make. The best way to reduce the profit that they make off the account and save yourself money is to pay in full. Using same day payday loans for fast cash is the answer to this problem because of how well it works. The application is simple and you will have the money faster than you ever thought possible. You would then be able to use this extra money in order to pay the bill in full. Once the balance is paid you will no longer experience the pressures of mounting debt and late fees that grow every month. Keeping your electricity on is vital if you would like to maintain good health and keep food from spoiling due to lack of refrigeration. If you are going to keep everything running in your home you will need extra money. This loan can provide you with that money while helping you to avoid the horror of growing debt. This service is easy to understand and can provide the money you need.

When I need money now, I use payday loans, but in a safe way.  Easy payday loans may seem like they’re fairly harmless, but it’s very possible to end up in a serious amount of debt with them.  The most important thing is that you never rely on them.  Borrowing back to back loans is going to create a situation that can lead to a mountain of debt.  It’s nearly impossible to keep up with that many loans at one time, and everything is bound to come crashing down eventually.  So use them now for same day cash, but don’t extend the loan or borrow another one immediately!

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Bad credit payday loans are the norm.  These are super easy to get approved for, will get you cash in about an hour, and send you on your way.  All you really need to get approved for a loan like this is a job and a checking account.  Your credit score is irrelevant.  Some lenders may run your credit, but this has more to do with the rates that they charge, rather than whether or not you’re approved.  A good resource on learning more about how payday loans work is this page from Wikipedia.  You’ll learn about state regulations, and the nuts and bolts of a loan like this.

Automobile title loans are a bit harder to get since their requirements are so specific.  They require that you have a car that has been completely paid off, as well as the title to it.  The amount that you can borrow depends on the value of your car, and most lenders will go as high as 50% of that amount.  You do get the advantage of being able to pay back this large loan over several months, and payments are usually made biweekly.  If you’re considering a title loan as your best option, read this article from CNN.  The article will tell you that it’s a bad idea to get a title loan, but it’s written by someone who has never been in the situation to need one!  Instead, take away from that article tips on how to save money, especially the part about making “interest only” payments.

These are the two most common loans with no credit check, and are the same loans that everyone goes to when they need fast cash now.  They’re going to be expensive, and you may have a tough time getting the loan repaid, but they’re the only reliable source of money when you’re broke and have bad credit.  Whatever you do, don’t start relying on these loans as a source of money.  You already have bad credit, being in debt to a payday loan company is going to make your life miserable!

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A bad credit payday loan is obviously designed for someone who has messed up their credit in the past. It might seem like a good thing that lenders have no problem working with those with bad credit, but they charge way more money than they probably have to for these loans, which leaves people who are already struggling financially in a worse position. If you’re already behind on other loans and payments, it’s probably not a good idea to take on any more debt!

Since many people who borrow from these lenders are already in a bad financial situation, they end up not paying back the cash til payday loan. This is one of the main reasons that you have to pay so much for yours. It takes extra resources and money to track down all of the people who skip out on their loan, and you have to pay extra for that!

Another way to get cash with bad credit is the online title loan. These are bad credit secured loans that you can get if you have a car or truck that has been paid off in full. What makes these loans so incredibly risky is that if you don’t pay it back, or simply miss a payment, your car will be repossessed and sold off. The problem here is pretty obvious. You’re now in debt, have no car, and no transportation to get to your job and make more money for a new car! It’s wise to stay away from a loan like this, no matter how bad you need money.

There are a lot of creative ways to make money that don’t require a loan. It’s extremely important that you check out all of your other alternatives before you sign up for a loan. It will help keep you out of debt, while getting you fast cash now.

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Payday loan consolidation is going to help you out in more ways than you probably think. Odds are that if you’re in debt to payday lenders, you probably also have some other outstanding debts. Using consolidation will take all of those companies that you owe money to and work out a low monthly payment for you. They will contact all of these companies on your behalf and work to negotiate your debt amount as low as possible. So not only are you going to get completely out of debt, you’re also going to save money. The amount that you pay the consolidator will be worked out between you and the company, and they tend to do their best to stay within your current budget.

From my own experience, the best feeling after signing up for loan consolidation was the next day when there wasn’t a single missed call or voice mail from a collection agency. I had become so used to hanging up on these people when they called that I was almost in shock that I went an entire day without having to deal with a single one! There are obviously more long term benefits than this, but this short term gratification was fantastic. Now the only thing I worry about is making sure I have enough money to cover my monthly debt consolidation payment.

Payday loan consolidation is easy to do, the hard part is facing the mess that you’ve created. If you’re tired of the threatening phone calls and harassing letters, do something about it today and get your finances back on track.

Getting into major debt with same day payday loans and other types of fast cash is far too easy to do. It’s important to keep in mind that you’re not alone in this mess, but you’re doing something that most people won’t – you’re trying to figure out how to get back on your feet. Pat yourself on the back for getting started, and then go find a company to sign up with!

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Fast cash loans are expensive, but it not normally their high price that screws people up.  Instead it’s the timing of repaying the loan.  Can you imagine what life will be like if half or more of your next paycheck is already spent before you have a chance to cash it?  That’s exactly what’s going to happen when you use these loans!  You’re probably going to need another loan to cover the lost money, and all of the sudden you’re relying on loans to pay all of your bills.  This leads to insane amounts of debt that you’re going to struggle to pay back.  Payday loan consolidation is an option, but you really don’t want to get that far down the debt hole!

Should you decide that a loan is the right choice for you, use the tips below to make more money from the day that you accept the loan and the day it’s to be repaid to take some of the heat off.

Payday Loan Alternatives

The pawn shop is probably the most common place that people go to make money without a loan.  If you need money now and don’t have any time to spare, this is a good place to do so.  If you have more time to spare we’ll cover some better options in the next paragraph.  The key with pawn shops is that you spend the time to make whatever it is that you’re selling look as close to new as possible.  When your stuff looks like it’s in good shape, the pawn shop is going to give you more money, plain and simple.  Also keep in mind that there are some things that pawn shops most commonly buy.  These things are tools, guns, bikes, guitars, and high end electronics.  Selling that kind of stuff will also help you get more money.

Should you have more time on your hands, craigslist is the best place to sell your stuff.  Rather than selling your things for pennies on the dollar at the pawn, you get to set the price and get more for it.  The lower your price is, the faster it will sell, but it will probably still be more than what you’d get at the pawn.  Be sure to take good pictures of what you’re selling, people shop with their eyes and if your pictures are good they’re more likely to make you an offer.

There are also a lot of ways to work for cash.  I generally start with the people around me when I’m looking to make money like this.  I’ll explain my situation to family members, and tell them that I don’t intend on borrowing money, instead I want to earn it.  Usually they’ll have something that I can do for them, generally babysitting, but your friends and family might have other jobs.  This is the first place I start when I need money now.

Odd jobs are also available that will pay cash.  You can find these jobs in your local classified section of your newspaper or on the Etc. section of craigslist.

There are a ton of different ways to make money quickly, but these are the ones that I use when I’m in a pinch.  It will at least greatly reduce the amount of money that I need to borrow, if not take care of whatever emergency expense that I have in front of me.

Thanks for reading!

-Lydia

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I want to break this down by payday loans and title loans, so feel free to skip to whatever section pertains to the loan that you are interested in applying for.

Also keep in mind that interest rates change on a daily basis, and these are just averages and estimations.  Talk with your lender or payday loan store before applying to get exact numbers.

Payday Loan Rates

Each state has their own regulations on what payday loan lenders can charge, but the average is around $25 for each $100 that you borrow.  Broken down into an APR percentage, this number is extreme, but since the loan is repaid in less than a month an annual percentage rate is an unfair way to demonstrate their cost.  If a payday loan company was to charge a rate closer to what a regular bank would, they would only make a few bucks in interest on each loan.  That might sound great for you, but payday lenders wouldn’t stay in business for very long!

Another reason these loans cost so much is the risk that the lender takes on by giving you money.  There isn’t a credit check involved, so they have no idea of what your financial history is like to be able to determine the likelihood that you’ll pay the loan back.  This leads to a lot of loans going unpaid and to collections, which costs the lender even more.

So to break down what to expect to pay on your loan, we’ll offer this simple payday loan calculator:

As you can see, these loans get extremely expensive quick!  Also, this is for the initial loan amount, not factoring any extensions or refinancing.

Title Loans

Stat regulations on auto title loans are even more bizarre than they are with payday loans.  They vary wildly from state to state, so it’s hard to pinpoint a single number that you can expect to pay.

What does seems to be the norm, however, is 25% monthly interest.  That’s not 25% APR, but a monthly interest charge that adds up to an insane APR percentage.  Since title loans are normally repaid over the course of several months, you are going to pay a lot in interest.

One thing that I have to add, should you apply for a title loan, is that you should not accept the option to pay “interest only” for any period of time.  This is where title loan lenders prey on the uninformed.  They make it sound like a good idea, but all you’re going to do is pay the interest on your loan, and nothing towards the principle.  After months of paying interest, you will still be left to pay back the original loan amount.

To read some horror stories about title loans from CNN, click here.

My intention is not to turn you away from getting a loan like this, I just want you to know what you’re getting yourself into.  Knowing what to expect when you apply for something like this can go a long way to helping you make smart decisions when faced with the lender’s questions.

Thanks for reading!

-Lydia

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Pawn Shop – For when you need to sell stuff fast, learn how to get the most bang for your buck.

Data Entry Work – For when you have some extra time to earn money.  Learn how it all works!

Good Credit Loans

When you have good credit, don’t mess around with payday loans.  They are too expensive and since you don’t need to worry about the credit check, go get cash from the bank.  You’ll save a ton of money in interest, as well as get much more flexible payment options.  Rather than having two weeks to pay your loan back, you’ll have months.

The problem with getting fast cash loans from the bank is that they aren’t exactly fast.  Compared to payday loans these things move like molasses.  Expect it to take at least two or three business days for the loan to process and for them to run your credit.  Some banks work faster, and credit unions are even faster, but their speed is definitely a drawback.  That’s a price that you’re going to have to pay to help out your credit and get the flexible payment options for this loan.

One more thing about banks, some are beginning to offer a payday loan-like loan that comes with a much more fair interest rate and can give your credit a boost.  Smaller banks in the South are spearheading this, but it’s spreading across the country.  Check with your local banks to see if they offer anything like this.

Don’t Have Good Credit?

That’s fine, I don’t either!  This is where payday loans become an option.  They are extremely fast, and don’t check your credit.  In order to get a loan like this you’re going to need to be employed and have been at your current job for at least 6 months.  You’ll also need to bring home at least a thousand bucks a month in net income, be over 18, and have a checking account.

Bad credit payday loans are smaller than one from the bank, and depend on your monthly income and expenses to determine how much you can borrow.  Most first time borrowers can get $4-500 on their first loan, but as you develop a relationship with the lender you will be able to borrow more.

Most loans are repaid on your next payday, but some work in two weeks and others are repaid in 30 days.  Your lender will have specifics on their terms.

Auto title loans are another option, but far fewer people will qualify for this type of no credit check loan.  You’ll need a car that’s been completely paid off, have the title, and an extra key to the car.  These are secured loans, which means that you borrow money based on the value of your car (usually up to 50%).  The problem with these loans is that you’ll probably be able to borrow more money than you can afford to pay back.  What happens when you can’t pay the loan back?  Your car gets repossessed!

Don’t Have A Job?

This is where things get a little tricky.  Loans for unemployed people are available, but are extremely rare.  The problem is that lenders don’t want to work with someone who doesn’t have an income, and will struggle getting their loan paid back.  For the few lenders that will work with you, you’re going to need some sort of consistent benefits coming in to get approved.  These benefits can be unemployment, Social Security, or even disability.  I’ll tell you right now that finding a loan like this is going to be tough, so be prepared to do some extra work!

Don’t Have A Bank Account?

This is pretty tricky as well.  A payday loan company doesn’t want to work with you because they have no way of getting paid back.  If you expect that a lender is going to trust your word, you have another thing coming!  Wired payday loans were available at one point, but as lenders continually kept getting burned, they are now extremely rare.

An option is to get a second chance bank account, which will take a couple days to get completely set up, and then apply for a loan then.

I think that covers most situations that people may be in when looking for a loan.  Knowing what your options are before going to apply for a loan will save you a ton of time, and the headache of not getting approved.  In the case I missed something, drop me a line in the comments and I’ll update this post accordingly.

Thanks for reading!

-Lydia

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No faxing payday loans work by processing your application completely online.  There is no physical paperwork that you have to send over, you just fill out a form online and submit it for review.  If your application information matches their criteria you’re approved for a loan in just a few short minutes and can get cash.

How do they know it’s actually you?  The program that they use to check your application will reference you against other databases to see if what you put on your application matches what you actually are.  Think of it like a mini financial background check that allows them to see who you’re employed by and what your income actually is.  Don’t get this mixed up with a credit check, they don’t care what your credit score is, they just want to verify your employment and income.

Can I lie on the application?  You can do whatever you want, but lying on the application is not going to help you out!  Like I said above, they’ll verify all of the information on your application to make sure that it’s true.  Many lenders will automatically disqualify you for the loan if the info that you put is false.

Is it safe?  Yes, it’s safe.  Five years ago it wasn’t so safe and identity theft was rampant with online payday loans, but internet security has improved incredibly in recent years.  If you’re comfortable shopping online you can be comfortable with no faxing payday loans.  I don’t recommend applying for these loans on public computers, as an extra step of precaution do it from your home computer.

Getting fast cash online has never been easier than it is with no faxing payday loans.  You don’t even have to get up off of your butt to get cash fast!  What more can you ask for?

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