Unlike bank loans, there is no need to fulfill tons of requirements to get personal loans for bad credit. You only need to be a registered citizen and at least 18 years old. The lender will also need an active bank account in your name to transfer the money and reliable contacts. Your income is your collateral. Hence, you should have a solid and provable source of income. If you meet these basic conditions, you can get bad credit loans without long phone calls or meetings.
Anyone can join First Tech Federal Credit Union by becoming a member of the Financial Fitness Association for $8, or the Computer History Museum for $15. You can apply for the card without joining first. The intro 0% for 12 months and no transfer fee on balances transferred within first 90 days of account opening is for the Choice Rewards World MasterCard® from First Tech FCU. After the intro period, an APR of 11.99%-18.00% variable applies. You also Earn 20,000 Rewards Points when you spend $3,000 in your first two months.
Payday loans, like installment loans, are short-term, high-cost loans that often have a principal balance of less than $1,000. Unlike installment loans, instead of paying off the principal balance over several months or years, payday loans are typically paid off within one month (on the borrower’s next payday). Like installment loans, payday loans are helpful if you are experiencing an emergency bill or payment that must be paid within a few days or weeks. Direct lenders can provide funds for your payday loan usually within an extremely short amount of time – often within 1 or 2 business days!
First Liberty Loans is an online service that only provides access to lenders that have been predetermined as providing safe personal loans directly to consumers. You can apply right here online. We collect information about your bank account details, as well as employment details, and we keep all data confidential. We only use it to process your online personal loan application. Your information is always kept safe and secure when you apply online through First Liberty Loans.
In our day and age, there are many more options for financial relief than there were in the days of the Oregon Trail. If you are looking for title secured loan options in Missouri, look no further than TitleMax for your short term cash needs with a loan secured by your car or motorcycle title. One of the most reputable names in title secured loans, TitleMax can get you the money you need with just your car or motorcycle, the lien-free title to that vehicle, and your valid government-issued ID. When you use your auto title as collateral for a loan with us, you get the cash you need when you need it to pay bills, cover emergency expenses, or pay for any other unexpected financial hardships.
Financial experts say that the easiest and fastest way to get a loan is via a payday cash loan. The way this works is that you make a check for whatever money you want, plus the fees charged by the payday loan company and date the check based on your payday. You get the cash immediately and there is no credit or background check. If you have a job and get a paycheck, you’d qualify.
Costs of Repossession and Sale: A motor vehicle title lender may charge you for any reasonable costs that it incurs in repossessing, preparing for sale, and selling your motor vehicle if (i) you default on your motor vehicle title loan; (ii) the motor vehicle title lender sends you a written notice at least 10 days prior to repossession advising you that your motor vehicle title loan is in default and that your motor vehicle may be repossessed unless you pay the outstanding principal and interest; and (iii) you fail to pay the amount owed prior to the date of repossession. A motor vehicle title lender is prohibited from charging you for any storage costs if the motor vehicle title lender takes possession of your motor vehicle.

Getting a pawn shop loan, or “pawning” an item means giving the lender something of value and receiving a cash loan in exchange. It’s very similar to how title loans work, but the amount you get will be much smaller. The loan amount will be a fraction of the value of the item you bring in. So if you’re looking for emergency cash, you probably won’t get very much.
The information related to The Amex EveryDay® Credit Card from American Express, BankAmericard® credit card and Chase Slate® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.
If you’re having trouble getting a bad credit loan because you have no credit or bad credit, you may need to put up collateral. A collateral loan is different than an unsecured loan, whereby a creditor’s only recourse in the event of your defaulting will be to pursue legal action against you. More than anything, lenders want to get their money back after lending it out. They’d rather not deal with having to bring legal action against borrowers who can’t repay their loans. With collateral, the lender has a sort of insurance policy against you defaulting on your loan obligations.

If you have jewelry, electronics or other possessions with high resale value, a pawn shop may be willing to give you a short-term loan. You'll leave the item as collateral and get a ticket allowing you to repossess the items by paying back the loan plus an additional amount in fees or interest. If you're still short when the balance comes due, you usually can pay an additional charge to extend the loan. If you aren't able to redeem the item on time, the pawn shop can sell your property. You might be able to sell the items directly to the pawnshop in some cases.
We provide national personal loan services for people with bad credit, good credit and no credit. Our programs are designed to provide you with the most convenient personal loan at the most competitive rate. These personal loan programs are very flexible and loan amounts can be large or small depending on your needs. You can get approved very quickly by using our secure online application and the personal loans for people with bad credit can provide you with the approval you need.
MoneyKey’s Line of Credit loans online are ideal for unexpected expenses that may occur in your day-to-day life. These expenses could include home and car repairs or medical emergencies. When you need funds, you can withdraw any amount up to your available credit limit when using your line of credit online; however, it’s important to only take out the amount you need, as you will be charged interest and/or fees on any amount you withdraw.
this place is NOT a payday loan place. it is called king of kash signature loans. each loan is for 12 months so 1 year. it is not considered extensions or anything like a payday loan. it is just the percentage and interest and finance charges are Crazy and i cant afford any of the payments anymore. well on Monday i am faxing the guy i have been talking with at Mo dept of finance. he is going to look over the loan agreements and my payment history etc. and see if he can help me in any way or point me in the right direction for help if there is any... i am feeling pretty alone and helpless right now. the same lady keeps calling me from this place- called me the day after christmas at home and was very rude and said she would be calling me on Monday. i dont want to end up in jail or being sued for money i cant come up with or have my wages garnished. i dont even have enough coming in right now to pay all of our bills when they are due. i have $40 to go buy some groceries for a family of 4 to last 2 weeks. i feel like a awful mother! all i did was take out some loans to help cover some bills at the time and it is now ruining my life etc.
If you want to do business locally, credit unions can be a particularly good choice because they might be more flexible with their lending criteria than bigger banks – especially if you’re a longtime customer. Another option is getting a co-signer with better credit to sign for a loan with you. The lender will then use the co-signer’s credit to determine the terms.
A second example of where personal loans online can tide you over “rough spots” without your “feeling the financial bumps” would be if you are risking bank overdraft fees and various other forms of late fees. A small installment loan can prevent your having to pay such fees and will not normally cost you as much in interest as the fees would have been.
There are lenders that specialize in subprime loans for folks with no credit or bad credit. These specialty lenders consider factors other than borrowers’ credit scores, such as job stability, education, income, etc. They don’t mind taking a chance on someone with less-than-perfect credit, but they do so at a cost — namely higher interest rates and fees.
Finally, never consider taking out a loan if there is even a chance you can’t make the payments on it. Being desperate for a loan in an emergency can cause you to make an unwise decision. Carefully consider your situation and understand what all of your options are before you decide to accept any loan that you aren’t absolutely certain you can repay.
If you ask us whether we recommend these loans, the answer will be both yes and no. Our advice is to use them only if you really have no options other than to go and get a payday loan. These companies are better than traditional payday loans but they are still an expensive option. Here is a quick guide on what to do before you consider alternative payday loans.
Beyond that, the lender could potentially sue you or place a lien on your assets. If that happens, you can end up on the hook for paying court or attorney fees. In court, the contract you signed with the lender saying you agreed to repay your loan will most likely be held against you. The lender could also send your debt to a collections agency, and you could have your tax refund or wages garnished or even be required to repay your overdue balance in a single, immediate lump sum.
For most of us, being without a vehicle doesn’t just mean being stuck at home; it also means having no way to commute to work. With an online auto loan, you can often receive an application decision in minutes, and an online loan certificate or check in less than 24 hours. To compare quotes from multiple online lenders at once, use an online lending network like our picks below.
We believe in responsible lending. That is why despite taking proper measures to ensure the safety of our borrowers, we always advise them to take caution when choosing a loan deal or lender. It is crucial that you read the loan agreement carefully and thoroughly before signing. Knowing the terms of the loan beforehand is imperative. It also protects your interests as you can request the lender for some modifications of terms if you are not comfortable with some of them. You can browse through our easily navigable website to find out all about our loans and policies. Once satisfied, you can submit your loan application by filling up the form on our website.
After a long period of time from when I paid off my loan King of Kash contacted me stating I had an outstanding balance. They refuse to provide me any documentation. I sent them a Cease and Desist letter after I was laughed at on the phone when I told them that I would report them if they did not leave me alone. Because they waited to call me I no longer have any of my original documentation (this was years ago) and they have refused to provide me with any.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
Borrowers with higher credit scores are deemed to be more credit-worthy and therefore enjoy privileges like lower rates and easier approvals for loans. However, what happens when a borrower does not have a solid credit score? While securing a personal loan from a banking institution at that point is an uphill task, there are special debt instruments known as bad credit loans offered by alternative lenders that fulfill this purpose.
Bad credit and consumers with no credit history do not need to worry about applying for an online loan. No credit check is done. Providers throughout Winter Garden, Florida can help you to find the right loan for your situation and financial need. Borrowers are matched up to prospective lenders in as little as 90 seconds for approval of a sort-term loan.If you have an emergency, you may not have the time to apply for the traditional loans, which take several weeks or months before they are finally released. After the economic recession, many consumers were subjected to financial challenges which affected their borrowing ability. Those who had borrowed excessively were faced with loan defaults and their credit scores were tainted.
A line of credit from King of Kash is a happy medium between a credit card and a loan that has all of the benefits and none of the drawbacks. This revolving credit line can be drawn upon for whatever you need and the money you’ve used becomes available again after you’ve made your payments. On top of that, you only get charged interest on the money you use and in some cases, a line of credit can be better than a loan!
While the options for installment loans are limited when you have poor credit, that does not mean you should accept any loan you are offered; make sure you still research your options to get the best interest rates possible. Each loan will also come with its own loan fees, term length, and payment schedules, so pick the repayment requirements you’re most likely to maintain.
Hello i want to borrow $5000. My credit.score os 580. I was approved by a lender but the deal did not go through because the lender wanted my tax returns for the last two years. I work as an independent truck driver. I work under 1099 not w2. I have not done those taxes yet. Is there any lender that will loan me $5000 based on just my paystubs. I do have some 1099 tax statements from companies that i have worked for. But my taxes have not been done yet. Do you have any suggestions. Thanks
Compare personal loans & get pre-qualified. First, check whether a loan accepts people in your credit range. Next, consider the APR range and fees. Finally, take a look at the amounts available to borrow, the lengths of time for payoff, how long approval takes and more. Once you’ve narrowed your options, use WalletHub’s free pre-qualification tool to check your odds and potential interest rates with multiple lenders.
A title loan is a way to get cash using your car title instead of your credit score. When it comes to getting good information for car title loans, check with trusted online resources. The size of your title loan is determined by the amount of cash you need, your vehicle’s value, and your ability to repay. A typical car title loan may vary between $1,000 and $10,000 depending on the amount of loan desired and the value of the vehicle (asset). Borrowers can repay the car title loan with a single payment, or repay the loan on an installment plan.
With federal student loans, you have to be able to demonstrate a financial need for the loan. You also have to be a United States citizen or an eligible resident of the United States. You must have graduated from high school or have a GED to get a student loan. You also have to be working toward getting a degree or some kind of certificate, depending on where you’re going to school.
Your factoring company may contact your customers: Selling your invoices also means that the factoring company may be in contact with your customers about payment. The extent of these relationships can vary with factoring companies, but factoring companies often work with businesses in similar industries. So your customers may already be familiar with them.
Getting a pawn shop loan, or “pawning” an item means giving the lender something of value and receiving a cash loan in exchange. It’s very similar to how title loans work, but the amount you get will be much smaller. The loan amount will be a fraction of the value of the item you bring in. So if you’re looking for emergency cash, you probably won’t get very much.
fundsjoy.com is not a lender and we cannot predict what fees and interest rate will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. fundsjoy.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.
MoneyKey is a state licensed installment loan direct lender in many of the states it operates in such as Alabama, California, Delaware, Illinois, Mississippi, New Mexico, Utah and Wisconsin. However, in Texas, MoneyKey is a credit services organization (CSO) and a credit access business (CAB). In these states, the loans are funded by third-party lenders and are arranged and serviced by MoneyKey.
Regardless of the actual minimum down payment required by your lender, all potential homebuyers should aim for the ideal of a 20% down payment. Applicants who cannot provide a down payment of at least 20% will typically be charged Primary Mortgage Insurance (PMI), which acts as extra security against default for the lender. The PMI can add several hundred dollars to your monthly mortgage payment and should be included in your PITI calculations.
More or less the opposite of an installment loan, short-term loans, often called cash advance loans, are designed for smaller purchases that you can repay in full within a short period of time. In fact, the typical short-term loan lender will only offer loans between $100 and $2,500, making them a poor choice for larger purchases — particularly since you’ll need to repay both the principal and finance fees all at once on your due date.
In some cases, you may choose to extend your loan for another few weeks or months to avoid paying late fees, but it’ll cost you another round of finance charges to do so. If you know you will need a longer period of time to repay what you borrow, you may want to consider a personal installment loan instead of a short-term loan, as installment loans can be repaid in smaller monthly payments over six months or more.
Applications submitted on this website may be originated by one of several lenders, including: FinWise Bank, a Utah-chartered bank located in Sandy, UT, member FDIC; Opportunity Financial LLC, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans. Please refer to our Rates and Terms page for more information.
Ask for a re-aging. If you’ve had some delinquencies on a credit card but you then you got back on track, can ask the issuer to “re-age” your account. To do this, you must have made on-time payments for at least three months. If the bank agrees to re-age your account, they’ll erase the past-due notations on your credit report for that credit card. However, keep in mind that there’s a set amount of time collectors can sue to collect on debts. Look into this before you do any re-aging so that you are not tricked into re-aging, or “bringing back to life,” debts that are not collectible.
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In terms of interest rates and customer service, Oportun is relatively straightforward and easy to deal with. As a company it espouses only giving loans to those that can afford the repayments and it looks to have policies in place (such as proof of income) to help make this a reality. Its financial education and management resources are free and available to all potential customers and it works with nationwide credit bureaus to help customers with no or very low credit ratings to establish a more advantageous position for the future. 
Signature loans are suited to a number of situations. Whether you are going through a financial rut and need a quick injection of funds or you need to take care of an urgent expense, a signature loan can provide you with the money you need. Typically, you can borrow as much as $25,000 as a personal, installment or signature loan. A quick search for no credit check signature loans for bad credit may reveal a range of providers. Different lenders may offer varying offers. However, the fundamentals of the loan often remain the same. The lenders generally do not ask where and how you intend to spend the money.
If you find that there are problems with your report, request to the reporting body that they remove any of the items that you find problematic. If they aren’t willing to do so, then contact a credit repair agency and ask them if you think they would be able to help you. Remember, credit reporting bodies are required by U.S. law to give you at least one free copy of your credit report every year – don’t hesitate to ask them for it.
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If you are looking for some amazing Joplin Title Loans experts, you have come to the right place. Give us a call or fill out online Title Loans form so we can get started on helping you get the cash you deserve. Contact us so you can see for yourself how many different ways we are going to be able to help you out. Will loan on any car! You get to keep your car! We also offer a refer a friend program for $100 Cash! Apply Now

The University of Minnesota Academic Health Center monitored 52,000 people for a period of 16 years to find out the correlation between fast food intake and some common diseases. It reported that eating fast food once a week can increase the risk of coronary heart disease by 20%. The risk can go up to 80% for people who consume fast food products four or more times in a week.
In the end, it’s impossible to say where and how exactly will be considered your credit by lenders or other service providers; while one lender may reject you for a loan, another one may be happy to offer you an urgent help. But the best way for you to build your future, is to continue working towards a good credit history that will open a lot of doors for you.
In short, it’s wise to only apply to credible, well-known lenders like credit unions and banks. If a lender offers you a loan without even checking your credit, it’s safe to assume they are engaging in predatory practices. You need to find a bad credit loan, that you will be able to repay. There are some great loans for bad credit, but it is important to shop around and find the best lender for you.
Despite popular opinion, bad credit doesn’t make obtaining a loan impossible, just more difficult — and more expensive. Always keep in mind that just because you can get a loan doesn’t mean you should. Only borrow funds you can actually afford to repay, and always research and compare your options to ensure you have the best possible rates and lowest fees.
There are many people who through no fault of their own fell on hard times and were not able to keep up with payments on their loans and credit cards. Their credit history is then ruined because of the payment defaults.  Because of that, they are not able to get loans in Canada.  At AfterLoans we know life happens and sometimes things you can’t control happens to you. We provide loans in Canada, even to people with bad credit history. Feel Confident to apply.   Click Apply Now!
We have compiled a list of the best payday loan lenders for those times when a real emergency hits, and your bad credit prevents you from taking an emergency loan from elsewhere. To grade these payday lenders we scored them on how quick the loan was deposited into an account, how much interest was added, as well as what other support and services they offer. We have also provided a guide on how to avoid the less scrupulous lenders and also payday loan alternatives for you to consider.  
The online application is fast and efficient! I was hesitant about "linking in" to my online bank account......However this made the whole application process far quicker! I can honestly recommend Avant - especially if you are worried about being judged on any previous credit history problems......Avant didn't do that! Just a thorough and fair service with good APR.
There are occasions when everyone needs extra money fast to cover an emergency cost or a sudden unforeseen expense. At times like these, you need a lender who can make an instant lending decision and transfer your money on the same day that your loan is approved and to do that within minutes of approval on a 24/7 basis. At cashasap.co.uk, our service is specifically designed to help you with your urgent money needs. Your loan transfer is done immediately on approval and can be in your bank account within minutes even on bank holidays and at the weekends. 
This means that the vast majority of people who want to go to college can be qualified for federal student loans regardless of whether they have a bankruptcy, foreclosure, loan default or something else bringing down their credit score. You can even get approved if you don’t have any credit history to speak of. With traditional loans, lenders like to look at your credit report to make sure that you have some kind of track record before they give you a loan. Federal student loans don’t have these requirements and are pretty much available to anyone, regardless of credit history.
Secured loans from OneMain Financial require providing collateral such as a motor vehicle. Loan amounts range from $1,500 to $20,000. APRs on OneMain Financial loans can be anywhere from 18 percent to 35.99 percent. Term lengths are 24, 36, 48 or 60 months. OneMain Financial also charges origination fees that vary based on the state you live in. In some cases, it’s a flat amount, while in others it may be a percentage of the loan. The flat fees start at $30 and go up to $150, while the percentage-based fees range from 1 percent to as much as 5 percent. There is no minimum credit score.
Since the value of household items isn’t usually more than a few hundred dollars, the amount that people can borrow with a pawn shop loan isn’t usually more than a few hundred dollars either. Plus, the stuff that people use to put up as collateral usually has more sentimental value then it does dollar value. Is it worth losing family heirlooms just to secure a few bucks?
LendNation is more than the products and services we offer. It’s what we do, but not who we are. At our St Joseph location, we not only provide loans generally within one business day; but more importantly we provide a customer experience that is second to none. It’s more than a quick application process and excellent customer service; it’s treating you how we’d want to be treated ourselves. It’s what you deserve and it’s what we’re all about. Our location has been in business since 1995. We are located at 1409 Frederick Avenue, next to Subway. Come visit us to find a loan that works for you, or call (816) 232-2221 today.
Monevo Pty Ltd does not make loan or credit decisions, and is not a lender. Monevo Pty Ltd may receive a referral fee from the lender for matching customer details with that lender. The completion of the application form does not guarantee approval of a loan. The loan amount will vary depending on the lender who accepts the application within our database. $2000 may not be available to every customer. *The time taken to transfer a cash advance loan may vary. This website does not directly endorse a particular product and service. Any information on this website should be taken as opinion only.
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At Bonsai Finance, we strive to make accessing money through small personal loans simple and affordable, especially for those who have bad credit or even no credit at all.  Our job is to help you see the multiple benefits a personal loan- whether secured or unsecured- in order to get back on financial footing. Both of these types of personal loans are available from our agency and act as installment loans for bad credit or no credit candidates.
If you are considering an installment loan, but you still don’t fully understand what they are, it can often be helpful to view other forms of installment loans to get a better understanding of the features included in this form of finance. Below we will outline other forms of installment loans available to consumers. There’s a high chance you’ve had one of these loans in the past.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636.

Unfortunately, life is unpredictable and even if you know that in two weeks it will be your payday, you may face some problems requiring additional finance. In this case you won’t be able to repay your loan on time. How to behave in such situation not to get in trouble? First of all, it is better to inform your direct lender about the reason which has prevented you from paying on the agreed date.
PROCEDURES. The party who wants to arbitrate must notify the other party in writing. This notice can be given after the beginning of a lawsuit or in papers filed in the lawsuit. Otherwise, your notice must be sent to Synchrony Bank, Legal Operation, P.O. Box 29110, Shawnee Mission, KS 66201-5320, ATTN: ARBITRATION DEMAND. The party seeking arbitration must select either the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org, or JAMS, 620 Eighth Avenue, 34th Floor, New York, NY 10018, www.jamsadr.com, to administer the arbitration. If neither administrator can handle the dispute, a court with jurisdiction will appoint an arbitrator.
We will charge this fee, which is sometimes referred to as a “return check fee” or “non-sufficient funds fee,” if any check, other instrument, or electronic payment authorization you provide us in payment on your account, is not honored upon first presentment for any reason, including if the payment is returned by drawee for “not sufficient funds.” We will not charge this fee if the check, instrument or electronic authorization is later honored. This fee is equal to $27; however, it will never be more than the minimum payment due immediately prior to the date on which the payment is returned.

Pawn shops have been around for years. The idea of trading and bartering has been around for even longer. If you have items you don’t need any longer, a pawn shop can be a great place to sell them. You can even shop around and find fun items that others have sold. But if you’re looking for a cash loan in an emergency, you’d be wise to avoid pawn shop loans.
A signature loan can help in a variety of situations. Our lenders and lending partners offer loans of $1,000 to $35,000 and they can be used for any purpose you choose. Qualification depends on a number of factors including your credit rating, income, debt and bankruptcy history. *Most of our lenders and lending partners only require an e-signature to receive a loan, though some may require a few extra steps as well.
Our online service readily serves your need to connect with a lender. The process takes a few minutes. Fill out our secure online form and we send an encrypted copy to an authorized lender to approve. Once you submit your information, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees. If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next business day. Every inquiry received is handled with care and speed.
Loan Proceeds: You will receive your loan proceeds in the form of (i) cash; (ii) a check from the motor vehicle title lender; or (iii) a debit card. If you receive a check, the motor vehicle title lender is prohibited from charging you a fee for cashing the check. Similarly, a check casher located in the same of ce as the motor vehicle title lender is prohibited from charging you a fee for cashing the motor vehicle title lender’s check. If you receive a debit card, the motor vehicle title lender is prohibited from charging you an additional fee when you withdraw or use the loan proceeds.
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Financial emergencies hit everyone at some point. Chances are that even your boss knows what it’s like to be short on cash for needed expenses or payments. So, consider talking to your employer for an advance on your salary. It’s not a loan, but an advance. Your work is your collateral. There’s no interest to pay. And, all your employer can do is say, “no.”
There are alternatives to commercial personal loans that are worth considering before taking on this kind of debt. If possible, borrow money from a friend or relative who is willing to issue a short-term loan at zero or low interest. Alternatively, if you have high-interest credit card debt that you want to eliminate you may be able to perform a credit card balance transfer.
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