Payday Loans and Fast Cash Guide

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 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

Get Fast Cash With Same Day Loans

Same day loans can get you the fast cash you need when you want it.  Most loans that pay the same day are going to be very short-term and carry a high interest rate, but that’s the price you’re going to have to pay for the speed.  Life comes at you fast, and many times it’s extremely difficult to plan for the things that come up.  If you’re anything like me, all of the bad and expensive things happen when the bank account is getting close to zero and it’s still a week before payday.  I know I’m not the only one that has this black cloud following me around, hence why I started this website and am writing this right now!

The most common same day loans are payday cash advances, title loans, and some bank loans.  We’ll take a look at each of these a bit closer so you can know your options and get the loan that is right for you and your current situation.  If you can’t find a loan that fits, spend some time cruising around this site to find other creative ways to make fast cash.

Same Day Payday Loans

Payday cash advances are the most popular same day secured loans around.  In a brick and mortar payday loan store, you’re almost always going to get your loan the same day.  The things that would slow this process down are not having your paperwork together, holidays, and a poor performing payday lender.  If a payday lender tells you that you can’t get your money within the day, you should probably find one that can.  That’s a sign of a lender that doesn’t have their stuff together.  They write the checks with their money in the bank.  If it’s a problem with the approval and you have all of the things you need to be approved, something wacky is going on and you should move on.

To make sure that you have all of your paperwork together, you have to bring the right things and know that you’re going to be approved from the get-go.  The basic requirements that payday lenders have is that you’ve been at your job for 6 months, make at least a grand a month (bring a few paycheck stubs), have ID, have references, and have a bank account (usually checking).  Each lender is going to have their own terms, so these may vary.  This means that you need to bring your checkbook, at least two paycheck stubs, your ID, and know who your references are going to be.  After you have an account going with the lender, you’ll only need your ID and checkbook.

Also, keep in mind that these are no credit check loans, so you don’t have to worry about your credit score.  Some payday lenders will use Teletrack to see if you’ve written lots of bad checks lately or have any other screwy stuff going on, but this usually won’t prevent you from getting approved.

Online payday advances are also available.  Not only are these same day loans, some are even same hour loans!  They operate very fast, and can get you money in a pinch.  For many of these lenders to get you money that fast it has to happen during business hours, but even during non-business hours they operate very fast.

Same Day Title Loans

Title loans are same day cash loans that are very easy to qualify for as long as you have a job.  Your car is the collateral in this secured loan.  This means that if you don’t pay the loan back, they’re going to repossess your car.  If you pay the loan back though, there is no need to worry.

The same rule applies about have all of your stuff together before heading down to the lender to make sure that you get your cash as fast as possible.  In the case of auto title loans, you’ll need your ID, a paid off car (duh!), the title (look in the glovebox), an extra key, and bring a few paycheck stubs along to be safe.  Not all title lenders verify employment, so these are also an options for same day loans for unemployed.

Same Day Personal Loans

You’re probably thinking that a bank offering same day payout loans is impossible, but the times they are a changing, my friends.  A new trend that started in North Carolina is banks that offer payday loan-like terms, but with much better rates.  They do require a credit check, but most people are qualified, even with bad credit.  Not only are these loans a good way to get fast cash, but you can also use them to rebuild your credit.  There are a few banks in Arizona and Georgia that do this as well, so check with your local branches to see what they offer.

These aren’t the only loans that payout the same day, but they are the most common and easiest to get.  Keep in mind there is always fast cash out there for you, you just have to figure out how to get it!

Thanks for reading,

Lydia

Fast Cash Ideas

Are you currently having money problems? You may need some fast cash ideas to get you out of the financial pitfalls. Payday loans and other fast cash loans are available, but  you must expect to pay back a higher interest rate before grabbing any of these. It can cost too much if it would last long and can even become a bigger problem.   Loans like that have their place, but aren’t always the best options.  Here are some alternative and effective ideas to get fast cash:

Knowing these ideas for fast cash can lead you to come up with even more unique ones. These are just examples to let you know that money is not that hard to earn. You just have to do some good thinking strategy and give it some effort and surely a great blessing would come to you.

How To Get Money Now

When you need to get money now, it’s easy to feel like the whole world is against you.  I can tell you from experience that isn’t the case!  This guide will show you some of the options available to you to get fast cash without doing anything illegal or immoral.  There is help available, you just need to know where to find it and be a bit more creative and resourceful than you already are.  Money is laying around everywhere, you just have to figure out how to get it.

We’ll take a look at loans, selling things, and doing odd jobs to show you how to get money now.  This certainly isn’t an all encompassing list of ways to get fast cash, and your own experiences, abilities, and resources are going to determine which way you choose.

Get Money Now With Fast Cash Loans

When your baby needs diapers and you can’t buy more, you need cash as fast as possible.  This is a great time to turn to short-term loans.  There are two common types of short-term cash loans that can get money right now for you.  Payday cash advances are the most common, and title loans are also a common option.  Let’s take a look at each of these so you know what they are and if you’ll be able to be approved for them.

Payday cash advances are short-term loans that are based on your income rather than credit score.  There isn’t credit check involved, so you can get money now with bad credit.  The basic requirements for these loans is to have a job, ID, and a checking account.  Many lenders have policies on how long you have to be at your job (usually six months) and a minimum monthly income (usually $1000).  The first loan that you get from a payday lender will usually be fairly small, around $500, but they will increase as you gain credibility with the lender.  Interest rates on these loans is pretty high, and the average is $25 per $100 borrowed which means your $500 loan will cost you $625.  This is the price that has to be paid to get money fast like that.  Most payday loan terms state that the loan is to be paid back after 14 days, which would cover your next payday.

Title loans are also a good way to get money now for people with bad credit.  The requirements for these loans is having a car that is paid in full, the title (look in your glovebox), an extra key, and ID.  These loans are secured, so that means that your car is the collateral and if you fail to repay the loan they will repossess your ride.  Some title lenders don’t require proof of employment, so you can get a cash loan if you’re unemployed.  The terms are similar to those of payday loans, but the length is usually thirty days and the loan has to be paid in full that day.

Get Fast Money Now At The Pawn Shop

I’ve written in detail on this site about how to make money at the pawn shop, so I’ll keep this fairly short.  Selling stuff that you don’t need anymore is almost like getting free money.  Now I don’t recommend selling other people’s things, unless you have their permission.  One way that I’ve done this before is to ask them ahead of time for the crap they don’t need and I split the money with them.  Work the angle that you’re doing them a favor by helping them clear the clutter in their house and getting them money for it.  If you can work that out with a friend or family member you figured out how to get free money now!

It may be a good idea to call the pawn shop ahead of time to see what kinds of items they need the most right now.  If they need stuff that you have you may be able to save yourself from having to load your car full of things you aren’t going to get money for.

Work For Cash

You can get money now if you have a skill that someone else can use.  Work for cash certainly isn’t as fast as getting a loan, but you get money that you don’t have to pay back.  If you’re good with kids, offer to babysit your friend’s kids.  If you have a lawnmower, go mow some lawns for cash.  If you have good looks, go dance for money.  Working for cash is only limited by your skills and creativity.  If you can do something better than most people, there are people out there waiting to pay you for it!

Like I said above, this list isn’t every way to get money now, but there should be something here that you can use to cover your needs right now.

Thanks for reading and good luck getting money now!

Lydia

Where To Find Easy Money Jobs

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

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

Look In The Newspaper

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

Look Online

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

Look In Your City

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

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

Thanks for reading,

Lydia

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

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

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

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

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

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

Thanks for reading!

Lydia

7 Ways to Work For Cash

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

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

My list of work for cash jobs!

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

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

Thanks for reading,

Lydia

Where Can You Find Loans For The Unemployed?

Finding loans for the unemployed may seem like an impossible challenge, but fear not! This guide will show you what your options are and where to get fast cash without a job.  Obviously, there aren’t as many choices as there would be if you had a job, but all hope is not lost.  A crappy economy helps out people in rough situations since there are more people out there who are down on their luck.  This means that new options are available for unemployed loans than there were just a few years ago.

Cash loans for the unemployed come in many of the same forms as they do for those that have jobs.  Generally, they are short-term loans that have no credit check.  Bad credit loans for the unemployed are certainly available, it’s just a matter of figuring out which one is right for you.  Keep in mind that not every lender is going to be willing to help you out, it’s going to take a bit of time and work on your part to find the one’s that will.  But that’s okay right?  Time is the one thing that you have on your side!

Unsecured Loans For The Unemployed

As I said above, with the huge influx of unemployed around the world new options have become available for getting fast cash when you don’t have a job.  There are now a handful of payday loan lenders that will let you borrow money without a job.  Unfortunately, you need some other sort of income coming in to get it.  This could be unemployment benefits, social security, or disability benefits.  Not all lenders will offer a loan for the unemployed, so it’s a good idea to start researching payday loans in your area to find the ones that do.

For those of you that aren’t sure how payday loans work, I’ll explain.  These are short-term cash loans that are repaid when you get paid next.  They carry a high interest rate, but are extremely fast.  Many payday lenders will get you the money you need within an hour.  The amount of money that you can borrow depends on how much you receive in benefits, and the first loan is usually pretty small (around $400) and will increase as you build a relationship with the lender.  These fast loans for the unemployed are great to get money in a pinch, but dangerous to rely on as a source of income.

Secured Loans For The Unemployed

If you have bad credit, a secured loan will probably be your best resource.  Pink slip loans for the unemployed are a very popular choice.  Not all title loan lenders will offer loans without proof of employment, but quite a few do.  Using your car as collateral instead of having a source of income will help you get the fast cash you need.  These loans are usually paid in full in 30 days, and the interest rate is almost as high as payday loans.  Title lenders are usually local in your area, but some do operate online.  The best way to find out which ones can help you out is to contact them directly either through their website or on the phone.

Remember, if your auto title loan is not repaid they will take your car from you.  If you borrow more money than you can afford to pay back you’re going to lose your ride.  Be smart with these loans and don’t borrow on the hope that you’ll have a job before your loan is due!

These are the two most guaranteed options for getting loans for the unemployed.  There are other options out there, but they are much riskier (and sometimes illegal) and I really don’t recommend them.

I wish you the best getting a loan and finding a new gig!

Thanks for reading,

Lydia

Fast Cash At The Pawn Shop

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

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

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

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

What Do Pawn Shops Buy?

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

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

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

“Reconditioning” Your Stuff

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

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

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

Do Some Negotiation

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

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

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

Thanks for reading,

Lydia

Car Title Loans

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

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

Are Bad Credit Payday Loans Available?

Bad credit payday loans are available to most people.  You just need to know which lenders to go to!  I’ll show you how to find the right one in this article.  Having bad credit can make you feel awful, even when you’re not looking for a loan.  The good news is that you don’t always need good credit to get a fast cash loan.  Most payday lenders don’t even look at your credit score when determining your loan, but there are a few other things that they check out.

Payday Loans For Bad Credit

Payday loans are a fast and easy option to get money with no credit check.  This means that if you can meet the rest of their qualifications, you can probably put some money in your pocket!  The basic qualifications for a payday loan (and each lender will have their own specifics) are-

If you can meet these simple qualifications you can get a payday loan with bad credit.  Just about everyone who applies will qualify, and the amount you’re able to borrow depends on how much money you make.  The first loan is relatively small, but the amount will increase as you build a relationship with a lender.  Usually, you only have to fill out a full application once, and they will keep your info on file so that you just have to verify that information is still correct and true.

While most payday lenders won’t check your credit score, some will use Teletrack to see if you’ve recently written bad checks or taken out any other loans that will affect you repaying your loan from them.  Teletrack doesn’t look at your credit score, it just looks at financial history (in most cases).  If you haven’t written any bad checks in the last couple of months, you really don’t have anything to worry about.

Bad Credit Payday Loans Online

You can get a payday loan for people with bad credit online.  The entire process is the same as a traditional payday loan, except you don’t have to leave your house.  Finding a legit online payday lender is a bit more difficult, but if you spend some time reading through their websites it should be easy to gauge their validity.

There are two different methods of application for these loans.  Traditionally, you would download the application, fill it out, and fax it back with your paycheck stubs and signature to apply.  With some major technological advancements in security, faxless bad credit payday loans are now becoming the norm.  The entire process happens online, and you get approval via email.  These loans are the fastest around, and many lenders will deposit money into your account within an hour of approval.

Bad credit payday loans are certainly available and easy to get.  Be sure to spend some time looking at different lender websites to find the one that best suits you and offers the fairest rate on your loan.

Thanks for reading!

Lydia

How To Write For Money

The Internet has been continuously evolving to be a great avenue for almost anyone to be capable of earning money through article writing for various online contents. Many are discovering the other face of writing for money as not just something, which is driven by the need to earn fast cash, but moreover, it provides a wonderful opportunity for many people to tap their most kept hidden talents. Now, internet has not just served to be a source of entertainment but an amazing chance to write for money.

Here are some effective tips that you can consider if you want to get started in this line of work by knowing how to write for money and eventually ending up successful in this niche.

Building Your Profile – this is the primary step that you must take to gain clients in the process. You can start your own website where you can place your sample works and other previous credentials to impress many potential clients to come your way.

Participate in A Wide Variety of Forums – With this kind of job increasingly rapidly in the online world, many interactive forums are being made for potential writers to be a member of and participate in. If you are an expert writer already, then you can share some tips and helpful insights on how to follow the successful path you have taken. On the other hand, if you are a novice in the industry, then these are the perfect places to get started. Many of the threads in such forums offer amazing job opportunities that you can grab and start with.

Sending Out Numerous Applications – nowadays, you can be sure to find many online sites, which serve as job portals for a wide variety of writing jobs concerning online content. You can easily register and be a member for free in any of these available sites and apply for particular listings of writing tasks. You can check out getafreelancer.com, craigslist, odesk, and a lot more.

If you need more training on how to write for money, you can surely find lots of resources and free videos on how to make effective articles that would really give you some steady form of income. Blogging should not be underestimated as well for it can definitely bring in lots of cold cash for you especially with the help of advertisements and a few affiliate programs.

Finding The Best Cash Til Payday Loan

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

What Are Cash Til Payday Loans?

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

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

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

How To Get A Cheap Cash Till Payday Loan

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

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

Cash Til Payday Loan Lender Websites

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

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

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

Finding Legit Cash Til Payday Lenders

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

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

Trusting Cash Til Payday Loans Online

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

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

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

Fast Cash

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

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

Fast Cash Payday Loans

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

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

Auto Title Loans For Fast Cash

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

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

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

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

What I Do When I Need Cash Today

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

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

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

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

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

Same Day Cash Loans

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

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

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

Online Title Loans

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

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

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

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

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

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

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