Category Archives: Loans

Personal Loans for Bad Credit

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When it comes to your credit even a few missed payments these days can result in a lender denying you a personal loan. With lenders taking precautions and not really lending to anyone with a blemish on their record, it is hard today to get a personal loan through a bank. If you already own a home and have equity you may be able to get a home equity line through the bank that carries your mortgage. Having an established credit history will weigh heavily in your favor and this is probably one of the best ways to borrow, in comparison to a credit card or other risky and expensive online loans. However, there are personal loans for people with bad credit available.

If you belong to AAA or a credit union these establishments are a lot more lenient on their customers. The rates are low and they go on your personal history taking many factors into consideration such as employment and debt to income ratio, as well as your credit report. By not just using your bad credit score your chances for acquiring a loan are much better and you may find that there are personal loans for bad credit. You may have to settle for one of their higher interest rates initially but you can refinance after a short period of time to reduce the interest.

Depending on the amount you were looking to borrow a secured credit card for someone with bad credit is yet another way to go. While you will need to put a deposit down in order to get the card, after a short amount of time showing on time payments you will not only be offered an increase in your credit line but you will be rebuilding your credit as well. The interest rates are higher than your average card but they will provide you with credit for emergencies. These are available personal loans for bad credit history.

There are some unconventional ways never considered before and for good reasons. Many online lenders advertise daily the promise of getting you the money you need now and without a credit check. While initially this may sound appetizing, one look at the repayment plan should get anyone to immediately change their minds. For some people with terrible credit and no assets, however, it is sometimes the only way to go when seeking personal loans for bad credit. Be careful to only use the service for emergencies and pay back the loan as quickly as possible because the fees can add up to three to four times the amount borrowed.

Instant Payday Loans Online

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Everyone, at one time or another, needs cash in a hurry. When your car breaks down and you have no other way to get to work – and your boss will fire you if you don’t show up – you need cash fast.

It’s the first of the month and you don’t have the rent money – you need cash fast.

Your child is sick – and the doctor prescribes meds – but you’re broke – you need cash fast.

When you need cash fast, the easiest, safest way to get it right away is with a legitimate payday loan online.

A payday loan can be used to get emergency cash by simply filling out an online application, or even by applying by telephone. You’ll then get a quick answer and when approved, the cash will soon be in your bank account. As long as you are currently employed, you have a great chance of being approved.

Payday loans are more expensive than other loans – and it pays to shop around and check rates and other fees. And they are designed to repaid quickly, usually within two weeks, although some companies offer extensions.

One company – Discount Advances – meets all of these requirements and offers a 25% discount on your initial finance fee for new customers. Of course, this offer can change at any time, so be sure check with them.

They understand that you are already stressed out when applying for a payday loan. They take customer service to the max! Your complete satisfaction is their number one priority. I don’t have to tell you how important this is when you’re stressed out and borrowing money. They work with you to make sure you understand all the “fine print”, make sure that your application is complete, so that you have the best chance of getting approved for your loan.

DiscountAdvances’s goal is to provide you with Maximum Benefits, Maximum Security, Maximum Service and Maximum Satisfaction with Minimum Paperwork, Minimum Fees, Minimum Hassle and Minimum Time.