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‘Cash Advances’

More Families Turning to Pawn Shops when Money gets Tight

Just about every household experiences it from time to time: money gets tight and there is no cash on hand until the next payday arrives. Unfortunately, though, many people cannot wait up to two weeks to take care of important expenses. More and more families are taking their possessions to local pawn shops to get cash loans to tide them over until the next paycheck gets deposited in the bank. Jerri Smith runs a household, and she said in a recent interview, “I am a single mother and I made less than $37,000 last year on my job and every now and then I need a little help. I don’t need a bank account or good credit to get a loan from a pawn shop. All I need is a valid ID and an item with ‘reasonable’ value.” Smith is 30 years old, she works as a retail manager in the suburbs of Chicago Heights. She said that without loans from the local pawn shop she would have nowhere else to turn when she needs financial assistance. According to Smith, “My credit is bad so I can’t get a bank loan. I no longer have a bank account, which means I can’t get a payday loan either. And I don’t own my car so a title loan is out too.” The economy has been improving as of late, but pawn shop managers say that middle class folks, like Ms. Smith, have become some of the most frequent customers at many pawn shops across the land. According to a manager at the Cash America Pawn location in Chicago Heights, “The majority of our customers are middle-class. Having somewhere to go for a quick loan is necessary during hard times like these.” The Cash America chain is operated by Fort Worth, Texas based company Cash America International Incorporated. They operate over 850 pawn shops in 21 different states. At most pawn shops, people can purchase video games, electronic devices, DVDs and even jewelry. Business at these locations, like the Harvey Pawn location in suburban Harvey, remains consistent and is actually growing. Brian… Read More

Financial Tips for Properly Managing Money

Proper money management is essential when it comes to Unexpected Emergencies. Most people never had a class in school on basic financial skills. This result in having little savings and letting bills accumulate. If you do not have extra money for a car repair or Unexpected Bills, then you can take out a Payday Loan. It helps to follow Financial Tips and become smarter about managing your money. A personal budget helps with tracking with what you are earning and spending each month. It allows you to track where all of your money goes and shows where you need to decrease spending in some areas, which allows for putting more money towards savings. It also helps to make financial goals. Setting Financial Goals Most people understand it is good to save money. On the other hand, it can be hard to save when your income is already spent. Financial goals are a good start at saving more money and overcoming debt. An emergency cash fund is essential for anyone with a family and children because an emergency can happen at any time. This approach helps with practicing discipline when it comes to managing your money. Practicing Good Habits You can set aside some of your budget to go towards your financial goals instead of spending. It helps to get in the habit of investing or saving first before thinking about spending. Practicing good habits are an important aspect of good money management skills. Understand how Investments Work Many people face financial problems because of not fully understanding what they are getting into. It is important to understand how investments, stocks, car loans, and credit cards work before putting any money into the financial product. If you are interested in investing in stocks, then you should not invest money based on a tip from a friend. Before investing any money, it helps to read about the subject first and find out how it works. Sometimes Cash Loans are the only option when needing extra money. It is important to understand how a cash advance works and pay the money back on… Read More

Borrowing Money for Unexpected Emergencies

Most people experience a variety of Unexpected Emergencies, such as natural disasters, unemployment, Unexpected Bills, Unexpected Sales, and medical bills. It helps to be prepared in advance and have the money to cover all of your expenses. Unfortunately, some people are not prepared and may need to borrow money. A Payday Loan is a short term loan that is usually paid back by the next pay period. These types of companies allow customers to borrow from $100 to $2000. The amount can vary depending on the company and your income. Car Repairs Most people use their vehicle for getting to work and around town. It is important that your vehicle get proper maintenance, such oil changes and new tires. Repairs are expensive when a vehicle breakdown. The problem unusually occurs when you are low on money. It is the responsibility of a driver to always keep money on hand for repairs and gas. Natural Disasters If a hurricane is going to cause major damage in your city, then there is the possibility of having to evacuate the area. Bad weather occurs at the spur of a moment. If a hurricane is coming, then people have from four days to a week to prepare for the storm. It takes money for food, gas and hotel expenses. Medical Bills Families with children are always incurring medical bills. Children are clumsy and always getting into something. For example, if your child breaks her arm, then you are going to have to pay for medical bills. Families with insurance have to pay a portion of their medical bills. If you do not have insurance at all, then you have to pay the entire bill. Most people have to borrow money when faced with an emergency without extra funds. You can borrow money from friends, coworkers or family members. Borrowing from people in your personal circle let them know you are having financial problems. Some people have a problem with talking and will tell other people about loaning you money. On the other hand, family members can also be struggling and do not have the… Read More

How To Save Money On A Cash Advance

When you consider the amount of Bad Check fees that you may incur, it may be worth considering advance loans until your next pay day. Insufficient charges on Bank fees can cost on average between $15 and $25. Typically, for every $100 borrowed there is a 15% to 20% interest charge from a cash advance lender. With a cash advance however, you have more options to rollover the advance into your next pay period without being penalized for your emergency economic situation. What Is Payday Loan Consolidation? The Federal Trade Commission has made it mandatory that whenever you borrow money from a financial institution you will know about the Truth In Lending statement. This statement is a cumulative report which will make all charges and terms available to you up front. You can use this statement to make comparable and wise choices on who you borrow from at the best rate. What happens sometimes, because an advance loan is used in an emergency, is that the borrower can not pay back the money right away. What was an advance has now turned into bad credit loans. Once again, there is a cash advance solution with loan consolidation programs. All of your loans will be put together as one and you can have one payment every month. You can reduce harassment because when the loan is consolidated you are only in debt to one creditor. Pay the one loan and you are paying all of them. With your advance loans company knowing that you have a plan to pay back your debts they will work with you to pay off your accumulated debt in as little as six months and as long as 18 months depending on your circumstances. Ways To Save Money On A Cash Advance In an emergency, you may not have many options for borrowing money, but you still have choices. A cash advance in a pinch is a quick way to get money. If this is your first time borrowing money you can ask for a discount. Some companies will offer 50% of your first finance charge.… Read More

Advance Loans With No Credit Check

If you are searching for someone who can help you with short-term advance loans, we can help you to get the money that you need today. If you can come to our office today long enough to fill out an application, there is a good chance that you can leave with a check in your hand. We want to do whatever we can to help you get back on your feet no matter what the reason is. It seems as if people just don’t make enough money to support themselves these days. This is why they turned to payday advance loans. If you need a cash advance today, you also have the option to apply online. Keep in mind that this method may take a little longer to get your money because you will have to wait on the bank to do a direct deposit. However, a cash advance online is definitely going to be more convenient. You can apply any time 24 hours a day seven days a week. We may not get back to you until the weekend is over. If you are okay with waiting, we can help you. Before you decide whether or not you are going to apply for advance loans, make sure that you can meet the qualifications. For example, we will expect you to provide a proof of income. This is generally a pay stub. We will also ask that you bring in a bank statement. If you don’t have this information, you can always print it from the website of your bank. And last but not least, we will expect you to have a current driver’s license. If you can meet these three requirements, we will be able to better assist you. Keep in mind that you are going to have to spend countless hours in our office waiting for a credit approval. Instead, you can be approved in as little as 15 minutes. The reason behind this is because we aren’t going to do a credit check. Everyone who does business with our company receives the same interest rate. This is… Read More