I don't have any credit history, although I have used a payday advance once before. I haven't been approved for a signature loan at my bank but was wondering where else I could go. I make roughly 800 monthly with no other bills. I'm not sure where to go but was wondering if anyone had been in the same boat and had suggestions.. I've been at my job for nearly a year but my account balance usually remains low which is why I haven't been approved at my bank.
My account balance remains low because I deposit my paychecks and withdraw cash. The only reason I'm looking for 500-1000 is to pay a deductible because my car was broken into, as well as replace the laptop that was stolen. I do save most of my money, just not at my bank. I only use the bank to cash my checks without fees. I realize that's bad on my part which is why I'm here asking if anyone has suggestions for my question, not suggestions for how to save money for the future that I need now. I already have money saved, I encountered something unexpected and need to borrow more. Thank you for any real help.
PLEASE!! DO NOT take out a loan like that! I experienced how these types of places work. Here is the thing, all loan places will require collateral of some sort. Payday loans basically take your next paycheck as collateral. Most others will take the title to your car. The loan i took out with my car title was for $1500. If i remember correctly, it was a 3 month payback period. The important thing to know about these loans is that the interest is calculated EVERY month. The interest rate they give you is the monthly interest rate, not the APR %. On my loan, the APR % (in very small print) was 300%. They do not actually want your money. They want your collateral! They will approve you for an amount under 1/2 of what it is worth. If your collateral is worth $1500, they will lend you up to about $700. If it is not paid back, Mississippi FULL, by the due date, they will take your collateral. After all, it's worth more than double the amount they lent you.
For Finance and credit solutions I always visit this site where you can find all the solutions. :Where can I find a small non payday advance loan ($500-$1000) with 6-12 month payment.? I don't have any credit history, although I have used a payday advance once before. I haven't been approved for a signature loan at my bank but was wondering where else I could go. I make roughly 800 monthly with no other bills. I'm not sure where to go but was wondering if anyone had been in the same boat and had suggestions.. I've been at my job for nearly a year but my account balance usually remains low which is why I haven't been approved at my bank. Update: My account balance remains low because I deposit my paychecks and withdraw cash. The only reason I'm looking for 500-1000 is to pay a deductible because my car was broken into, as well as replace the laptop that was stolen. I do save most of my money, just not at my bank. I only use the bank to cash my checks without fees. I realize that's bad on my part which is why I'm here asking if anyone has suggestions for my question, not suggestions for how to save money for the future that I need now. I already have money saved, I encountered something unexpected and need to borrow more. Thank you for any real help. Follow 3 answers
Hey. Just some advice. I make about the same as you a month, i'm 22 and live in CA. I'm going through a financial class called financial peace university. Dude you gotta check it out. I just want to caution you from doing payday advances, or any loan for that matter!! It's not worth it! Anyway, really man I'm getting married in a couple months and I'm not stressed because I live on a monthly written budget, I've gotten out of debt and don't use credit cards and I live within my means. Anyway...good luck with everything. Let me know if you have questions
Your account balance remains low... so why would a lender give you money when you can't afford to make a monthly payment to pay them back with interest? Try this: Practice paying back the loan and put $150 a month into a savings account. Within 6 months you will know what it means to pay back a loan and on top of that.... you won't need one anymore and get to keep the interest.
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