|
|
 |
|
Bad Credit And Loans
Apply today or learn more about loans for individuals with less than perfect credit!
|
|
Bad Credit Car Finance
Ready to finance your next vehicle, but have less than perfect credit?
|
|
Bad Credit Home Loans
Yes! You too can enjoy the benefits of home ownership, regardless of your bad credit rating.
|
|
Bad Credit Personal Loan
Secured or Unsecured Personal Loans are available to those with less that perfect credit.
|
|
Debt Consolidation
Get back on track and consolidate your debts into one easy payment!
|
|
Credit Repair
Ready to take that next step towards repairing your credit? We can help!
|
|
Credit Cards
Find out which major credit cards are available to you regardless of your credit past!
|
|
Home Equity Loans
It's your home, its your equity, it's your cash. Don't let your bad credit stop you from obtaining a home equity loan.
|
|
Emergency/Payday Loans
When you need cash today, Payday Loans are a quick solution, regardless of your credit history.
|
|
|
|
|
|
|
|
Payday Cash Advance Loan | Emergency Loan
|
Using Payday Advance Loans Wisely: Emily’s
Smart Move
|
Thinking about taking out a payday advance loan
but worried about falling into a debt trap? Read
this real-world scenario of how one person
navigated the maze of payday advance loans to
stay out of debt.
When you're
ready to take the next step, our resources will
provide you with the options and information you
need to make a suitable well educated decision
on obtaining a PayDay Loan. |
|
Ever wonder how some people manage to take out
expensive payday advance loans and still come
out on top financially? It’s not easy, but it is
certainly possible. This is the story of Emily,
one person who used a payday advance loan to dig
herself out of a financial rut.
Emily’s charge card, car payment, cellular phone
bill, and rent were all due in three days,
$1,500 total. Emily had $500 in the bank. Her
monthly pay check wouldn’t come for ten more
days, and her boss said no to a payday advance.
Loans were out of the question, she thought. She
needed the money in three days, and a bank loan
would take that long just to mail her the
paperwork.
If Emily was late paying her $300 credit card
bill, she would incur a $35 late fee which would
make her balance exceed her credit limit,
earning her a $50 over-the-limit fee. She
couldn’t afford to be late on her car loan,
cellular phone or rent, even though there were
no late fees. Having paid each of those bills
late a few times in the past, she’d be skating
on thin ice if she did it again.
Cash Advance Payday Loans: Emily’s Salvation?
Emily decided to apply for a cash advance payday
loan. She knew it would be foolish simply to
trust a lender of these loans for information.
Searching on the internet, she found a website
that did not belong to a payday advance loan
lender, but instead reviewed the payday loan
lenders.
She visited the website of online payday advance
loan lender that was rated particularly well.
Emily knows there are a lot of cheats on the
web, so she was careful. Here’s what she looked
for:
• The loan company’s website had a link to the
Better Business Bureau. Clicking on the link,
Emily saw the company’s record: member in good
standing with no unresolved complaints.
• The loan company’s application clearly stated
what the fees were, and what the annual
percentage rate (APR) was. It also stated what
penalties Emily would have to pay if she did not
pay back the loan on time.
• Looking at a few other websites, Emily saw
that the original loan company’s loan terms,
fees, and interest rates were competitive.
• She double-checked that her upcoming paycheck
would be enough to cover all her outstanding
bills.
• She then checked into all the bills she would
have to pay in between her upcoming paycheck and
the one after that. After all, with her next
paycheck going to repay the payday advance loan,
she would need to make sure there was enough
money left over to pay her remaining bills. She
didn’t want to have to take out another loan
after that.
• Emily figured out that she would have $300
left over after she paid all the bills between
now and the next month’s paycheck. Living for 40
days on only $300 would be a challenge. But she
decided she could do it if she economized. She
would bring her lunch to work rather than buy it
in the cafeteria, and give up going out at
night--including un-inviting herself from a
co-worker’s upcoming birthday party at the
neighborhood bar.
• She posted notes on her refrigerator, steering
wheel, and wallet, reminding herself not to make
too many car trips, waste food, or splurge. She
made herself the goal of reading several books
she’d always wanted to read, rather than going
out. She got them free from the library.
Did Emily’s Payday Advance Loan Plan Succeed?
Fully prepared, Emily took a $1000 cash advance
from the ABC Loan Company and repaid it on the
15th along with a $50 fee. She saved $85 in
credit card penalty fees. She also stayed on the
good side of her landlord, car loan lender,
bank, and cellular phone provider.
The experience also brought home to Emily that
she was living too close to the limits of her
paycheck. She realized that she would be better
off moving out of her studio apartment, into a
room in an apartment of a few friends. She’d
also save money on gas by moving closer to work.
Today, Emily is grateful to the payday lender
for saving her from financial disaster. She’s
also proud of herself for being able to stay out
of the debt trap so many other payday cash
advance borrowers get into. She recommends to
all her friends that if they ever get a payday
loan, they do their homework, just like she did.
|
|
Payday
Loan
Borrow up to $1000 to
help you deal with a financial
emergency!
No Credit Check.
Short term Loans only require a source
of income and a checking account.
-
Funds deposited
directly into your checking account
-
Free No
Obligation Loan Quote
-
Same Day Service
-
Access to funds
immediately!
|
|
|
|
|
|
|
| |
|
|
|
Free E-book 'Credit Helper'
Bad Credit Loan Zone has made the popular Credit Repair E-Book 'Credit Helper' available to download absolutely FREE! If you're ready to work towards repairing your credit, this road map will take you step by step through the process. No registration required to Download this FREE E-book today! |
|
|
|
|
