April 2018 – Govdocs Aquake

getting fast unsecured loans – how payday loans can be a solution

04/20/2018

11:17 pm

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One of the reasons that a conventional loan application may take a long time to be reviewed and approved is that for larger sums, many lenders may seek security for your loan against some form of your assets (e.g. your home). If you need access to fast cash, lengthy administration delays are not going to help, so looking for fast unsecured loans may be a better idea.

What are fast unsecured loans?

If you’re borrowing a smaller amount of money, the lenders may feel that their risks are manageable and that they do not need to seek further security against your assets. This means less paperwork all-round and very possibly a much faster decision on your loan request.

An example of such a loan is called a payday loan.

What is a payday loan?

A payday loan exists to provide borrowers with fast access to cash over a short term – typically the amount is repaid in full on your next or next-but-one payday. As the sums are smaller, the pay day loan companies may be able to offer an almost instant decision once you’ve keyed in a few simple facts about your fast cash loan requirements.

On the agreed repayment date, the lender will debit your bank account to recover the loan plus interest and any charges (such as transfer fees) – all of which will again have been agreed with you in advance.

Using a payday loan, you could have the cash advance money appear in your bank account less than 2 hours after it was approved, or the very next day, depending on whether your bank can accept immediate transfers. That’s fast!

Can anyone get a loan like this?

Anyone borrowing money needs to meet certain conditions. In the case of fast payday loans, the specialist internet providers of payday loans try to keep these to a minimum. They typically include:

1) holding an active USA bank account and debit card
2) being in permanent employment which provides permanent income
3) having a permanent USA address

Bad credit histories need not be a problem depending upon the severity of the issues and how much you’re trying to borrow.

Fast unsecured loans when used responsibly may help you deal with a short-term cash flow problem (such as urgent car repairs or an unexpected, urgent bill) or take advantage of a buying opportunity (for example, something that is on sale for a limited period only).

Same day cash

by aquake

04/19/2018

3:52 pm

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bad credit check, payday, same day cash

Many people have experienced the ‘bad month’. A pile of unexpected bills and sudden essential expenditure – however well you normally manage your monthly finances, these sorts of events can throw you into chaos. That’s when you may need to be able to call upon a bad credit payday loans.

What is a same day cash loan?

Sometimes you may need money – and fast! Conventional loans through banks may be fine for larger items but because of the sums involved, they typically require a detailed application process that may take some time to reach a decision.

It is possible though to take out what’s called a payday loan. As the name implies, this type of cash advance loan is typically for smaller amounts to help you get through to your next payday – usually between $100-$1000, though these amounts will vary depending on your chosen payday loan company.

Once you do get paid, you repay the loan in full immediately (plus any interest and fees) and therefore avoid lengthy repayment schedules and commitments etc.

How fast can it work?

The benefit of dealing with smaller amounts over short periods is that the risks for the lenders are lower, so typically they can move faster than in the case of a conventional loan.

The specialist providers of payday loans have websites through which you can make a simplified application and receive an almost instant online decision. If that decision is ‘yes’ then the money could be in your bank account within 2 hours – if your bank can accept immediate transfers. If not, then the money will usually be in your account the very next day.

What’s needed to get a fast loan?

Typically the requirements are simple. You’ll need:

an active US bank account with a debit card usable against it;
a permanent job and regular income from it;
a permanent US address where you normally reside;
to be asking for a payday loan that is within your financial ability to repay.

Will bad credit histories be accepted (online payday loans no credit check)?

Typically yes – although it does depend on ‘how bad is bad’ and how much you’re trying to borrow. You may find that if you do have a poor credit history then borrowing smaller amounts rather than larger may increase the chances of your fast cash loan request being approved.

So, if you need a cash advance on your payday, then looking at same day cash loans through the specialist payday loans companies on the internet may be a good idea.

Benefits of a pre paid debit card

by aquake

04/19/2018

3:14 pm

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credit card, debit card, e-bank

For some people, having a credit card may seem like a bit of a temptation to spend. While cutting up all of the plastic in your wallet may seem like a good idea to keep temptation at bay, in today’s modern world it can be difficult in certain circumstances to manage without a card of some sort. Fortunately what’s called a pre paid debit card may be the answer to the dilemma!

In fact, this form of plastic card is not really a credit card at all. When you use them, the money you spend is money that you already have loaded onto the card either as cash sum or a bank transfer. The cash loaded on the card is the maximum that you can spend, giving you control over your money – and no late payment or interest charges.

This typically makes a pre paid debit card a safe and simple way of paying for items:

1) you don’t have the risks of theft or loss that can sometimes accompany carrying large amounts of cash
2) if the card is lost of stolen, you just notify the card provider and ask for a stop to be put on the card. This prevents someone else from being able to spend your money
3) you also have the convenience of being able to purchase things where a card is essential, for example items on the internet or over the telephone

Prepaid cards are available from internet online providers. Because they are not credit cards and will only allow you to spend what you already have, you may find that credit history checks are not necessary.

Some prepaid card suppliers also provide e-bank accounts. An e-bank account, if it is available from your prepaid card provider, can typically provide you with many of the benefits of a standard bank account. You could have your salary paid straight into it for example and it is possible to set up standing orders to make regular payments. You can manage your funds online and view recent transactions and statements.

If you find that you do need cash in hand, you can use the pre paid debit card in just about any standard hole in the wall machine. In common with many other types of cash card though, you may find that the amount of cash you can withdraw in any one day is limited (say to £250 per day, though this may vary depending on your provider).