Payday Loans and Fast Cash Guide

Where To Find Bad Credit Fast Cash

Need fast cash but have bad credit?  Don’t worry too much, most of the options that are out there to help you get cash don’t care what your credit score is.  No credit check loans are everywhere, and since they don’t check your credit they are much faster than standard loans.  In this post I want to run through a few of these loans so you can understand what your options are.

Any fast cash loan isn’t going to give a damn about your credit score.  The most common type of these are payday loans, and if they were to check credit scores and only lend to people with good credit they wouldn’t have many customers!  In order to get one of these loans you’re going to need a job that you’ve been at for over six months, make over a thousand bucks a month after taxes, and have a checking account.  There are some lenders out there that will offer money to people who don’t meet those criteria, but they are rare.

You can find lenders for these online or locally.  There really isn’t much difference between the two, except searching for payday loans online will yield a lot more companies for you to find the best rates with.  Going locally, you’re stuck with only the ones in your area.

Title loans are another (much riskier) option.  With this type of loan you are using your car as collateral, which means that if you don’t pay it back the repo man shows up and takes your ride!  Generally you can get more money with this type of loan, and longer terms, but the risk is obviously higher.  To get approved for a loan like this you need a car that’s paid in full, its title, and an extra key.  Most lenders will let you keep driving your car while your loan is out, but not all of them.  Promise me that if you choose this loan you pay it back!  Title loan lenders don’t screw around and will take your car from you!

There is also the option of selling some of your stuff or working for cash, but I’m sure I don’t need to tell you that your credit score is irrelevant to those!

Finding bad credit fast cash is not tough to do at all, it just gets tricky trying to figure out which route to take.  There is a ton of info all around this website about the different types of loans, and how to save money on them.  Take a look around and learn how get your loan without getting ripped off!

Different Ways To Get Fast Cash

If you are in need of fast cash, there are a lot of different ways to get it.  Some work better/faster/easier than others, but in the end all of them will put the much needed money into your pocket.  In this post I want to take a look at a few different ways to get money now.  Some of them you may already know, but hopefully some are new to you and will spark your brain to help you get paid!

The most common way to get money fast are payday loans online.  These work just like your local payday loans, but are much easier and faster.  You also have the ability to search through hundreds of lenders that you wouldn’t be able to normally do in your neighborhood.

If you are unsure how these loans work, they are unsecured, fast, and expensive!  To get approved you’re going to have to prove that you’re employed and have been there for a while, you make over a thousand bucks a month in net income (post taxes), and have a checking account.  It’s actually really simple, and since these are no credit check loans you don’t have to worry at all about them running your credit.  The lack of credit check also makes these loans extremely fast, and you can have your money in as quick as an hour.

Another way to get money quickly is title loans.  These loans are secured and use the value of your car to allow you to borrow money.  In order to qualify for this type of loan, you need to have a car that has been paid off in full and possess the title for it.  Some title lenders will require that the car is also insured.  A title loan will have a longer term than a payday one, usually around 30 days, and offer more money since they will go as high as 50% of your car’s value.  The risk, however, is that if you don’t pay your loan back your car is going to be repossessed and sold.  Don’t think they’ll cut you some slack and let you be late on your loan, doing so will having you waking up and your car not being in the driveway!

Getting fast cash online is a possibility as well.  There are a ton of scams out there, but some programs are legit and will help you get paid quickly.  We’ve written in detail about this in our posts on Project Payday and how to get paid to take surveys online.

Should none of the above options make sense for you and your situation, you can also turn to selling stuff.  Using Craigslist you can post a bunch of stuff that you have laying around the house to try and sell it.  This will make you a lot more money than selling your stuff at a pawn shop, but it is a lot more work.  I’ve found that I get the best results on Craigslist by listing all of the stuff that I want to sell separately, rather than all together.  Again, this is more work, but it helps people searching that website find my stuff a lot better, which results in selling it faster.

There are a million ways to make a buck, but the ones discussed above are tried and true.  If you’re pressed for time and need money now these are the best ways to get started!

Fast Cash In Your Situation

There are a lot of different ways to get fast cash, likewise there are a lot of different situations that people might find themselves in when they need it!  In this post I want to show you what your options are, based on different financial circumstances.  The situations that we are going to cover in this post are those with good credit, those with bad credit, those who are unemployed, and those who don’t have a bank account.  This might turn out a little on the long side, so feel free to jump to wherever you need!

For Those With Good Credit

I have a feeling that most people who visit this website don’t fall into this category, but I figure it only makes sense to include it!  Fast cash loans for people with good credit come in any shape and form you want them to.  That means that every option for a loan is open to you.  Does that mean that you should still get a payday loan?  Probably not!  Instead, leverage your good credit score to get a loan from a bank or credit union.  This won’t exactly be fast cash, but it will save you a lot of money in interest fees, and give you a lot more time to pay it back.

I think that the only situation where you would get a payday loan with good credit is when you absolutely must have cash within the next day or two.  This is the only major benefit that this style of loan provides over getting a loan from a bank.

Getting Cash With Bad Credit

This is where things get more interesting.  Personal loans for people with bad credit are hard to get from the bank or credit union, so other means have to used.  Some examples of no credit check loans are payday and title, and these are very easy to get if you meet their basic requirements.

In order to get a payday loan, all you really need is to be a legal citizen, have a job, and have a checking account.  Most payday loans will go as high as $1500, so there is plenty of money to be had!   These are short term loans that normally have to be paid back on your next payday, and will generally be automatically withdrawn from your checking account.  Some people struggle with this style of loan because they end up even more broke the day they pay it back then they were when they borrowed the cash.  Use these with caution!

Title loans are a secured loan that use the value of your car to get you cash.  In order to qualify for this loan you have to have a car that has been paid off in full and posses the title to it.  If you have a nice ride, it’s pretty easy to get a lot of money with these loans.  Generally, a title loan is to be repaid in full 30 days from the day you accept the loan.  Keep in mind that if you don’t pay the loan back your car is going to be repossessed, so be careful!

Fast Cash For The Unemployed

This is where things get really sticky.  There aren’t a lot of options for borrowing money when you don’t have an income.  In the case that you have some sort of regular benefits coming in, you may be able to use those to get a payday loan.  These generally don’t happen online, so you’ll probably have to go pound the pavement and visit your local payday loan lenders.

Selling stuff is always a good way to raise cash fast.  Going to the pawn shop is good in a pinch, but to make the most money you want to sell your stuff to other individuals.  Putting your stuff up on Craigslist is probably the best way to do that.  A simple tip for Craigslist is to list all of your stuff separately, rather than lumping it all together.  This will help searchers track down what they’re looking for.

Fast Cash With No Bank Account

The first step to get fast cash in this situation is to go get a bank account.  You’re probably saying, “whatever dude, I can’t get a bank account!”  I don’t care why you don’t have an account, but you can get one!  Go visit http://secondchancebankaccounts.net and sign up for an account.  Once you do that, you are open to all of the other options discussed above!

As you can see there are quite a few different ways to get fast cash.  They all have their own merits, but are normally unique to each situation.  Figuring out which route to take is generally the most difficult part, but I hope that I’ve cleared some of it up for you so you can make the right decision!

Thanks for reading,

-Lydia

Is It Possible To Get $5000 Fast Cash?

When you’re in need of a lot of fast cash, there are only a couple of avenues for you to turn down.  $5000 is a pretty big chunk of change, and hard to get from a payday loan company.  Payday loans are rarely that large, unless you make a ton of money at your job (well over six figures).  Instead, you are going to have to look in a couple of different places, which we’ll cover in this post.

If you are one of the lucky few that still has a good credit score, head down to your local credit union and apply for a loan.  This isn’t exactly fast cash, but it will get you the money that you need in a week or so.  The biggest benefit of taking this route is that you are going to get an affordable rate on the loan.  Rather than paying the ridiculous fees that payday loan lenders you are going to get a much more reasonable rate, probably somewhere in the 8-15% range, depending on your credit score.  Also, rather than paying it back in a couple of weeks, you’ll have at least a few months to make payments on it.

For those of us that don’t have good credit, the options are very limited.  Title loans are an option, but your circumstances have to be very specific for these loans to work.  In order to get a $5000 title loan you need to have your completely paid off, and it be worth at least $10,000 market value.  Most title lenders will lend up to 50% of the value of your car, so if you have a nice ride there’s a chance at getting that much money.  The problem is that most car loans are for 3-5 years, and for a car to retain $10K worth of value over that time is pretty rare.

Should you not be able to get a title loan the only way you’re going to be able to raise $5000 quickly is to piece together every dollar you can borrow or earn.  That might mean a payday loan, plus selling stuff online, plus working odd jobs.  It’s not going to be easy, but it’s not impossible to do!

Getting $5000 fast cash is something that anybody can do, it’s just a matter of knowing which route you should take based on your situation and working your butt off to get it!

How To Choose The Best Payday Loan Store In Your Area

Finding a payday loan store is easy, if you live in a city like Phoenix they’re on every corner, but how do you know that the one that’s close is the best payday loan lender in your area?  You don’t unless you do some simple research ahead of time.  In this post I’ll show you what you can do to make sure that you’re going to a legit lender and getting the best rates around.

To figure out if a payday loan store is legit and doesn’t have a reputation for ripping people off, hit your favorite search engine.  Search terms like “XXXX lender scam” or “XXXX lender reviews” to see what people are saying (obviously replace those X’s with the name of the lender).  Expect a few bad reviews, some people despise payday lenders, but if every one that you see is negative it’s a good idea to pass onto the next guy.

Payday loan stores are very cut throat with other locations in your area and will jump through hoops to get you to choose them instead of the other guy.  So use that to your advantage when trying to find the best deal.  Get out your local phone book and start calling payday loan store locations and chat with them about what their rates are like.  Don’t be scared to say something to the effect of, “Well, the payday lender around the corner is offering half the interest that you guys are,” you’ll be surprised at the responses that you’ll get.  I’ve actually been able to get my first loan with a lender half off from what they originally offered.  Bartering doesn’t work with 99% of businesses, but it still has a home with payday loans!

Once you find the payday loan store that you like, it’s a good idea to stick with them for your next loan (if you ever need one).  Most lenders will lend more money with better interest the second or third time you borrow from them, assuming your relationship is in good standing.

Where To Turn When You Need Money Now

Take a deep breath.  If you need money now, there are places to get it.  The situation that you’re in right now will determine where you get it from, but I’ll offer some options that are all legal and fairly easy.  One important thing to think about is how you ended up in this situation and how to prevent it from happening again (but I’ll save that for a different post!).

This post will outline some options for when you need money right now, and will be in order from the fastest to slowest.  The decision you make will depend on how fast you need cash and what you can do to get it.  These certainly aren’t the only options for fast cash and your options are really only limited by your imagination and resourcefulness. When you need fast money it’s easy to just jump in and get a loan, but there are also other options out there, so be sure to read through this entire post before making a decision.

Ideas To Get Money Now

The first and fastest option for fast cash is to get a loan.  Payday cash advances and title loans are always available and can usually put money in your pocket today.  In order to get a payday loan you need a job, an ID, and a bank account.  For title loans, you need a car that’s paid off, the title, an extra key, and an ID.  Some title lenders don’t require that you have a job to get a loan, so getting a loan while unemployed is an option.  Neither of these loans require a credit check, so they’re options if you need money now with bad credit.

If you aren’t comfortable with a short term loan like that, you can turn to the pawn shop.  I’m sure that there’s some crap laying around your house that’s worth some money.  Pawn shops usually accept and pay the most for electronics, tools, guitars, jewelry, and guns.  If you have other stuff, like books, CD’s, and movies, you can sell them at local record stores and book stores.  Any place that sells used whatever you want to sell will probably buy it from you.  This is the route that I take when I need money now.

Having a skill or good looks can help you get a job that pays cash.  You can do odd jobs, mow lawns, wash windows, or even strip for cash.  I’m sure that many people aren’t comfortable with the idea of becoming a stripper, but clubs are always looking for new talent and you’ll certainly make some cash!

If you’re willing to wait a few days to get your money, you can turn to the internet.  Selling stuff on eBay is always a good way to make some fast cash.  This falls into the same category as the pawn shop does, but it requires some online skills as well as a camera and a Paypal account.

There is hope!  Just get out there and make some fast cash.  If you need it, you can get it.  Use this guide as a starting point to figure out what you’re good at and how you can use that to get money when you need it (like right now!).

Thanks for reading,

Lydia

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 for the unemployed, 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 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.

I Need Money Now!

There have been lots of times that I need money now, and through my resourcefulness and experience I made it through each time.  Luckily for you, I’ll share what I know with you so you don’t have to figure things out the hard way!  There are lots of different options for you to choose, and it’s really hard to say which one is the best without knowing what your exact situation is like.  Because of this, I’ll go through the most effective ones only to show you what has worked for me when I need money now.

The most important thing that you can do right now is to keep yourself from panicking.  Being broke is extremely stressful, but if you let that stress get to you, you’re not going to be able to think and act clearly to get fast cash.  This is a time that you have to be at your best, so get yourself together and calm down a bit.  Things will work themselves out!

I Need To Borrow Money Now!

When I need to borrow money right now I have a payday loan lender that I trusts and trusts me.  If you meet the qualifications for a payday loan, there isn’t any safer or more reliable source of instant cash.  The qualifications are pretty simple.  You’ll need a job, proof of who you are, and a checking account.  There are some payday lenders that will work with savings accounts, and others that will loan money if you don’t have a job.  These lenders are much less common, but they’re out there.

Online payday loans may even be a better source for instant cash, simply because they operate much faster than their store counterparts.  The entire approval process is automated with a no-fax payday loan, so there is a good chance that you’ll have the money that you need within an hour.  Payday loans really work, but you must be sure that you’ll pay them back or you’ll end up in worse shape than you are now.

To find the best payday lender you’ll have to do some research (don’t worry, it doesn’t take long).  Find a few websites and see what they have to offer.  Most payday lenders are fairly similar, but each will have different interest rates.  If you can spend ten or fifteen minutes now to find the best rate, you’ll save a ton of money when you have to pay it back.

I Need To Make Money Now!

There are also cash paying jobs out there that will put money in your pocket today.  These jobs certainly aren’t for everyone, but if you have the right skill-set they can be very lucrative.  The most common cash paying job is becoming a stripper.  Strippers don’t make a little bit of cash, they make a lot, and if you have what it takes and what it doesn’t take to do it many of your cash problems could be solved.  Most clubs are always looking for new dancers and can probably get you on the stage tonight if you’re ready to do it.

Other cash paying jobs are bartenders, servers, and bouncers.  Each of these jobs takes their own experience and skill level, but if you have it you should do it!

Other Ways To Make Money Now

Here’s a short list of ways to make money now:

This certainly isn’t an all-encompassing list, so you’ll have to figure out what you’re good at that could get money now.  Everyone is good at something, it’s just a matter of figuring out how to get paid for it!

Thanks for reading,

Lydia

Get Fast Cash With Data Entry Jobs

Many people have used data entry jobs throughout the last few years to make ends meet and get the fast cash that they need.  Many of these jobs are freelance, and you can work at home, right on your computer.  Freelance data entry has become even more popular as of late, due to the huge amount of people starting businesses online and needing an extra hand.  What this means for you is that you can capitalize on it and make yourself some money!

Data Entry Jobs, An Opportunity for Hard Times

Data entry is basically entering data into a specific type of system for the medical, legal or any commercial industry. As early as the late 1950′s, data entry arrived on the employment scene as viable means of income. In those days, mag card, micro fiche and early DOS computers aided in entering various types of data into a system or program. Incomes ranged from $18K annually to mid 20′s. Skills and experience were crucial to earn higher salaries. The number of records entered per hour as well as keystroking speed determined data entry operators’ salaries. Most of these jobs became obsolete when high speed computers emerged. Data Entry today is an opportunity for hard economic times. And, many can be done from a home office.  Speed is the key with data entry jobs at home.

Full-time or Part-time Work

Work at home data entry jobs at present can be full or part-time, depending on the nature of the data entry work. Salaries depend on the type of data entry required. For instance, many large online companies offer the opportunity to earn fast cash with data entry work that is mainly focused on order entry into their order system. Data entry is a huge opportunity for cash-strapped individuals who can input records quickly and have a good keystroking speed equal to at least 40 words per minute. This is a definite consideration for anyone who needs the insurance of additional income.

My Experience With Data Entry Jobs

From personal experience, there are numerous avenues of opportunity to earn an additional $400 a month on a part-time basis by simply working with an online company that pays for ezine articles. In this case, the pay is based on two things: per word pay and per page views by search engine users. So, with good use of English language, punctuation, information research and knowledge of Search Engine Optimization, it’s possible to earn an additional income of up to $1,000 a month for full-time work. This is very different from past experience entering payroll records for a large data entry company in the past. Choose data entry jobs that don’t have a high “burn out” level due to monotony.

Data entry jobs can be painfully boring, but when you work at home you have the leisure to break up your time, or listen to your favorite music while you work.  Don’t forget that working from home requires a high level of discipline to stay focuses and complete your tasks.  It’s really easy to just invite your friends over or flip the TV on instead of entering data!

Thanks for reading,

Lydia

Fast Cash No Credit Check

Fast cash with no credit check is available and easy to find, when you know where to look…

No credit check loans are becoming more popular each day as the economy continues to decline.  This sucks for the overall population, but good for you in your situation!  The poor economy has opened all sorts of opportunities for people to get loans that were never around before (payday loans for the unemployed?!).  I’m sure you want me to stop rambling and show you were to find these types of loans…

Payday Loans

I would venture a guess that more than 90% of all payday loans do not require a credit check.  These are the easiest fast cash loans with no credit check.  All you need to get a payday loan is a job, a few paycheck stubs, your ID, and a bank account.  Each payday lender is going to have their own specifics for these loans, but these are the basics.

Payday loans are repaid by either writing a post dated check for the total amount due, or by having the lender directly withdraw the money from your bank account.  If you’re offered a choice between the two, go with the post dated check so the lender doesn’t have access to your account.

Even though these loans don’t require a credit check, many use a service from a company called Teletrack to see what your financial history is like.  They’re not looking at credit score, but rather if you’ve written bad checks recently or have outstanding payday loans.  Not all payday lenders use this service, and in order to get around it you’ll have to spend some time contacting lenders to see where you should apply.  It’s really easy to do this online, and if you have no luck there get a phone book and start dialing.

Title Loans

Another good way to get fast cash with no credit check is with title loans.  These loans require that you have a car that is paid in full, but you can get quite a bit of cash in just a few hours.  In order to qualify you need the title to your car, your ID, and an extra car key.  The amount you’re able to borrow depends on the value of the car, and most title lenders will go as high as 50% of the car’s total value.  Each lender has their own specifics on whether you keep driving your car while the loan is active, so check out a bunch before you decide on which one is right for you.

These loans are usually to be repaid in full at 30 days.  If you don’t have the money, you can usually file for some sort of extension, but use that as a last option.  Do everything you can to repay the loan.  You can begin that by only borrowing what you need, instead of what you’re offered.  Title lenders are notorious for lending too much money, leaving the borrower unable to repay the loan.  If you don’t pay the loan back, they’ll repossess your car.

Other Fast Cash Loans No Credit Check

Your mom probably isn’t going to check your credit!

All kidding aside, there are a few other options.  You can get a cash advance from your employer that will front you money from your next paycheck.  This is becoming less common, but many small businesses will still do it.  Also, you can get cash from your credit card if you have one.  This is expensive, but you do have the option to pay it back over time.

Pawning your stuff will get you fast cash with no credit check as well.

Thanks for reading!

Lydia

Which Fast Cash Loans Are Right For You?

With all of the fast cash loans available, how do you know which one is best for you?  Most just assume payday loans are the way to go, but there are other options for fast cash.  Each situation warrants a different type of loan, and where you’re at right now in your life will determine which fast cash loan is the one you should choose.

I’ll never tell you what you should or shouldn’t do, but do keep in mind that fast cash loans aren’t cheap.  You’re going to pay for the convenience of getting money without a credit check with the kind of speed that these companies have.  Everyone can use a little help every now and then, and emergencies certainly arise (usually when we’re broke!), but to rely on these fast loans is a bad idea.  When you end up using payday loans for more than one pay period, you’re going to have a hard time breaking the cycle and getting yourself free from their trap.

That’s my disclaimer.  Use fast cash personal loans when you need to, but be responsible with them so you don’t end up in serious trouble.

Fast Cash Payday Loans

The requirements for a payday loan are pretty basic, but you need all of them to qualify.  If you don’t, this loan isn’t for you!  Basic requirements for these loans are-

If you meet these requirements, you should consider a payday loan.  If it’s your first time applying for a loan, you’re probably not going to get as much money as you hope you are.  The first loan is always much less than what you can afford.  Payday lenders want you to establish yourself as a credible borrower before they hand out the big bucks.  The average first loan from a payday lender is around $400, which may be enough for you but keep that number in mind.

As for the interest rate, the national average in the US is $25 per $100 borrowed.  That means that your $400 first loan is going to cost you $500 when it’s repaid.  Again, that’s the price we have to pay for fast cash!

Repaying payday loans happens one of two ways.  The most common for storefront payday lenders is to write a post-dated check for the day the loan is due for the total amount owed.  Most terms are 14 days, but each lender is different.  The second method is an automatic deduction from your checking account.  Automatic deduction is much more common in…

Fast Cash Loans Online

Payday loans are also available online.  They have the same requirements as storefront payday loans, but you never have to leave your house!  There are a few differences though.  Application for these loans happens totally online as no fax payday loans are becoming more popular.  Some online lenders require that you fax them proof of your paycheck stubs and ID, but as technology and internet security have improved this is less common.  Also, the money that you receive will be automatically deposited into your bank account, and automatically withdrawn.

Be sure that you’re going to be able to repay this loan.  Since these lenders will have your bank account information, they’ll be able to withdraw money from you until they get repaid.  If you miss your payment, it will be very difficult to get back onto your financial feet!

Fast Cash Title Loans

Another no credit check fast cash loan is the pink slip loan.  These have lots of different names (car title loans, auto title loans, pink slip loans) but they are all the same thing.  This is a secured loan, which means that you put something up as collateral to get your cash and they can take that thing away from you if fail to pay the loan.  The requirements for these loans is pretty basic, and some lenders don’t do employment verification, so this could be an option for fast cash loans for the unemployed (as long as they meet the rest of the requirements).  The basic needs for a car title loan are-

Some lenders have a minimum amount that they can lend, and won’t lend if your car is valued at less than $5000.  If this is your case, just find a different lender.  The amount of money that you can borrow from this fast cash loan depends on how much your car is worth, and most lenders will go up to 50% of the car’s total value.  Interest rates are similar to payday loans, but the length of the term is usually 30 days and the loan has to be repaid in full.

Many people get in trouble with title loans because they are offered more money than they’re able to pay back.  If you need $100, borrow $100.  The title lender is probably going to offer you as much as they can, so be ready and turn the amount down if it’s too high.

Now that you know your options and requirements, you can make an educated decision on which loan is going to be the best for you.  And always remember that fast cash has a high price, so don’t rely on fast cash loans to get you by each month!

Thanks for reading,

Lydia

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.

Which No Credit Check Loan Is Right For You?

With the economy slipping along with credit scores, a no credit check loan may be just what you need to get out of the situation you’re currently in.  A bit of good news is that the bad economy has made no credit check loans easier to get than ever, since so many people are in need of them.  If your credit score isn’t what you want it to be (who’s is?), you have lots of places to turn for help.  This article is going to show you how payday loans, personal loans, and title loans can get you the fast cash you need without a credit check.

How Expensive Is A No Credit Check Loan?

Keep in mind that these types of loans are going to be more expensive than their traditional bank counterparts.  These are short-term loans which will carry a much higher interest rate and fees. Unfortunately, this is the price that we must pay to get loans with no credit check.  I’ll never tell you to avoid these types of loans, since for many it’s the only place they can get money.  My main goal of this website is to inform you of all of your options so that you can make an educated decision when you go out and get a loan.

No Credit Check Payday Loans

Payday loans are the most common no credit check unsecured loan.  If fast no credit check loans are what you’re looking for this may be the way to go. If you have a job, an ID, and a checking account you can get a payday loan without collateral.  The application process is very fast, and you will usually have your money the same day.  While there is no credit check, the payday lender may use Teletrack to check if you have outstanding payday loans or have recently written bad checks.  There are payday loans with no Teletrack and all it takes is a phone call to a lender to find out.

Like I said above, payday loans are expensive but are always available if you can meet the requirements.  The average rate for a payday loans in the US is around $25 per $100 borrowed, and the average first time loan is around $500.  As you develop a relationship with the lender, you will be able to borrow much more money.  $1500 payday loans are easy to get if you have the income to back it up.

Paying back the loan is simple, you write a post dated check for the date that the loan is due for the amount borrowed, plus interest and fees.  They cash it on that date, and assuming that you had the money in your checking account, you’re free from the payday lender.

No Credit Check Personal Loans

Personal loans with no credit check are becoming more and more common every day.  These loans are very similar to payday loans, but are for much larger amounts and have longer terms.  The average personal loan is around $2500 and has to be repaid in three months.  Many people get into trouble with these loans because they opt to have a lower interest rate, but repay the loan in full.  Odds are, if you didn’t have that $2500 in the first place, you aren’t going to have it 90 days from now.  I could certainly be wrong about you, but many people end up in this trap.

Most people will find these no credit check loans online, since there aren’t many local personal lenders like this.  The interest rate is lower than payday loans, but only because the loan is spread out over a longer time.  No credit check personal loans are the best unsecured option when you need a lot of money, and will be able to pay it back.

No Credit Check Title Loans

Title loans are a great choice when you have a car that is paid off.  It’s a secured loan, so that means that you’ll probably get more money (depending on your car’s value) than you would a payday or personal loan, since your car is collateral in the deal.  The downside of this is that if you fail to repay the loan, they take your car!
In order to qualify for a title loan you need a car that’s paid in full, the title for the car (look in your glove box), an extra key, and proof of who you are.  Some pink slip lenders don’t require proof of employment so this is a good option for loans for the unemployed.  You’re usually able to borrow up to 50% of your car’s total value, and the loan is paid in full in 30 days.

Some people get in trouble with no credit check loans like this because they borrow more money than they have a shot at paying back.  If you need $863.45, only borrow $863.45!  Getting any extra money is going to make it more difficult to repay the loan.

These are the three most common no credit check loan options.  There are other ones out there, but they have very strict requirements or require home ownership which really doesn’t fit the scope of this post.  Use these options to get yourself the fast cash you need, when you need it.

Find an Easy Payday Loan

Finding an easy payday loan is, well, easy.  You just need to figure out how you want to get the loan in the first place.  There are lots of different ways to get payday cash advances, so we’ll take a look at each method in this article and how to make the process as easy as possible.  The great thing about this country is that, even with bad credit, you can always get fast cash!

The foundation of all payday loans is the same.  You need to have a job or some source of income (some payday lenders offer loans for unemployed), proof of who you are, and a bank account.  They loan you money until you get paid again, and at that time your loan is due to be repaid.  The loan is repaid with a post-dated check or automatically withdrawn from your bank account.  There is no credit check involved, so even those with terrible credit can get money when they need it.

There are essentially three types of payday loans; the traditional payday cash advance, online payday loans, and faxless online payday loans.  Really, they all work the same, but there are some things that you need to know about each one so that you can find the quick easy payday loan that you’re looking for!

Easy Payday Cash Advance

With a traditional payday loan, you’ll head to a store that also does check cashing, sends money, and all sorts of other things that people with bad credit need.  You fill out a form that states how much money you make, who you are, and what your basic living expenses are and give them that along with some paycheck stubs and your ID.  they take your paperwork and process it to determine how much money you can borrow.  Since there’s no credit check involved, just about everyone who applies will qualify.  The things that normally keep people from qualifying is not having the proper paperwork, or not being at a job for long enough to show what their income is really like.

The way to make this a fast, easy payday loan is to go to a payday lender that you’ve already done business with.  They keep records of all of your transactions, so all of your stuff is already going to be on hand.  This makes it very fast and easy to get your money.  If you don’t have a history with a company, speed the process up a ton by giving them a call to see what you need to bring with you ahead of time.  Having everything with you already will make the entire process easier and you’ll get your money faster.  Each company has their own terms for what kind of paperwork they need, so be sure to follow this step.  Many companies will get you money within the hour if you have all of your poop in a group!

Easy Payday Loans Online

The easiest payday loan online is the one that doesn’t try to rip you off!  I’m certainly not saying that all online payday lenders are bad, but some of them give all of them a bad name.  All of their applications are going to be fairly the same, as will the approval process.  If you know someone who has used an online payday loan before and had success with them, use that company.  If not, spend a little time reading reviews of them so you can figure which ones are legit (I know that isn’t fast or easy, but it’s your money we’re talking about here!).

Again, have all of your stuff together before sitting down to apply.  Have your paycheck stubs and bank account number with you.  You should already know where you’re going to go to fax the application back.  There isn’t a bigger headache I can think of with all of this than when you need money, but can’t find all of the stuff you need to get it.  So get your paperwork together beforehand to get an easy online payday loan.

If you can’t find (or figure out how to use) a fax machine…

Easy No Fax Payday Loan

These loans are so easy, they get a separate section from regular online payday loans.  Easy faxless payday loans are a breeze, but the same rules apply that you have to find a legit company.  Many of these companies will operate in states that have very loose laws and regulations on payday loans and have no problem charging you extreme interest rates!

For those that don’t know what a no fax payday loan is, it’s essentially the same as every other loan outlined above, but there’s no physical information sent off for approval.  The entire application and approval process happens online, and you’ll prove your identity, employment, and bank account information virtually.  There’s usually an automated phone call that they use to very some of the information, so you may need to have your cell phone with you.

From start to finish with some companies you can apply, be approved, and get your cash all within an hour.  Easy, fast payday loans do exist!

Always remember that the risks involved with a payday loan are high, and relying on them to make ends meet is dangerous for your financial health.  In order to get the lowest rates and most lenient terms, you should look for a brick and mortar lender in your neighborhood.  If there aren’t any, or they aren’t allowed to operate in your state, you should look for loans online.  Either way, be sure that you’re going to be able to pay it back before signing up, and if not you should look for other means to get easy money.  Spend some time cruising around this site, you’re bound to find an idea that will help you get the fast cash you need!

Thanks for reading,

Lydia

Make Money Now

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

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

Sell Stuff To Make Money Now

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

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

Get Help and Get Money

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

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

Thanks for reading,

Dawn Applegate

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

« go back — keep looking »

Page optimized by WP Minify WordPress Plugin