Five Easy Tips to Get a $10,000 Bad Credit Loan

The prospects of getting a loan seem nonexistent for people with poor credit ratings — do not even mention trying to get $10,000 loan. This view is mistaken, there are plenty of non-traditional lenders who can help a bad credit loan seeker.

Tip One: Search for a Friendly Loan

This type of loan is called a Friendly Loan because that is exactly what it is. You need to set aside your ego and approach a friend or family member who is on sound financial footing and ask them for the loan. In all honesty, getting a friendly loan is going to be easier than borrowing from other lenders. You do not have to undergo a background or credit check or supply any form of documentation as you would for any other $10,000 bad credit loan. Even if you are presently unemployed, family members understand the challenges you are facing. Just be sure that everything regarding terms and interest rates are put in writing and signed by all the parties to avoid any future conflict.

Tip Two: Search for an Employee Loan

If you cannot bring yourself to ask a friend or family member for a $10,000 loan, your next best bet is to approach your employer. Or, there may be a credit union that serves your company. Usually there is no credit check and little documentation is required to prove who you are. Also, loans can be deducted directly from your paycheck. This may be your second best route to getting a $10,000 bad credit loan.

Tip Three: Search for a Collateral Loan

If you own a home, getting an unsecured $10,000 bad credit loan is even more possible. You put your house up as collateral and negotiate with the lender for the best possible interest rate. This is possible even if your credit report is not the best it could be.

Tip Four: Search for a Personal Loan

If you do not have any fixed assets, do not despair. Look for licensed lenders who specialize in offering bad credit loans. Even though you may need the cast badly, understand that these type of lenders charge very high interest rates. Think hard before you sign on the dotted line. Do you really need the money? Are you willing to absorb the interests costs as part of the burden to get a $10,000 bad credit loan?

Tip Five: Search for a Payday Loan

Another option you may want to consider when buying a $10,000 bad credit loan is the payday loan. This sort of loan requires no credit check and is rather easy to get if you are gainfully employed. You will need to give the lender your social security number and other documentation to prove your identity. You can usually land this type of loan within one business day.

Not Funny Money

Getting a $10,000 bad credit personal loan is not really difficult if you take the positive approach. Just be sure you have the financial wherewithal pay if off in a timely manner. Loans of this type should be considered thoroughly before you obligate yourself. Do not get a loan of this type for fun. Be responsible.

5 Sneaky Airline Charges to Avoid to Make Your Payday Advance Last Longer

Your best friend’s getting married, but you’ve run out of cash. So, you get the quickest fix you can think of to finance your trip – a Canadian payday loan. With cash on hand, you call up for tickets. But wait! Are you a hundred percent certain the deal you’re getting won’t be ripping you off the payday advance you just got?

Thanks to skyrocketing fuel costs and a tanking economy, airlines are rushing to make up for their losses by charging clients for basic amenities that used to be free. Is your luggage over the weight limit by a pound? Need a pillow to nap on? Want your favorite seat? You may want to forego these little things, unless you want your entire payday advance go up in smoke while you take the trip. Below are 5 of the airline fees you could end up paying and how to avoid them.

1. Book smart. Yes, booking your flight through a phonecall is convenient, but it’s a convenience you’ll have to pay for. Third-party websites like Orbitz and Expedia charge roughly $7 for every ticket booked online while Frontier, United Airlines, and Delta Air Lines charge $25 for the same. Avoid this charge by booking directly on your airline’s website and be sure to check first if the airline charges a booking fee – Southwest Airlines doesn’t.

2. Be seat-savvy. Do you know you are charged extra for choosing where to sit? United charges between $14 to $109 while AirTran charges a flat rate of $20 for each seat. If you want to pick out where to sit, check in the soonest time possible online. Usually, if you check in 24 hours before your flight, you wouldn’t have any trouble picking out your seat without additional charges.

3. Forego in-flight luxuries. If you’re thinking asking a stewardess for a blanket or a pillow won’t eat into your payday advance, think again. Your airline will charge you for in-flight luxuries like pillows, a cool drink, and a bag of chips. Just in case you’re curious, it’s $3 per bag. To avoid paying at least $2 per non-alcoholic beverage or $7 for a blanket and a pillow, try bringing anything that you may want or need with you.

4. Carry your carry-ons. Checking luggage will eat away at your payday advance if you’re not careful. Delta, United, Northwest, and American charge $15 for your first checked luggage. And, if you go over the 50-pound limit, you’ll have to pay a hefty overweight fee – as much as $175 for United and $39 for AirTran. To avoid these charges, you can either pack everything you need into a carry-on bag or ship heavy bags to your hotel ahead of your flight.

5. Avoid the curbside. Yes, avoid the curbside – the curbside baggage check, that is. US Airways and Northwest charge $2 per luggage per curbside check-in.

Use these tips to avoid wasting your payday advance. Sure, it’s easy to ask for more of the payday loans Canada lenders offer, but by knowing these 5 sneaky airline charges and how to avoid them, you can get the best bang for every borrowed buck.

Loans Till Payday – Payday Loans and Cash Advance in Ontario, Canada
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Toronto, Ontario, Canada
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Tips For Getting A Fast Personal Loan

Every now and then, almost all of us find ourselves in need of being able to get a fast personal loan for some purchase or expense that needs to be taken care of right now. Perhaps it is unexpected medical expenses, perhaps it is an overdue bill that fell through the cracks, perhaps it is the deal of the century on that new flat screen TV you have been wanting, or a host of other very valid reasons.

The question becomes how do you maximize your time and still be able to get that personal loan as quickly as possible? Obviously this is a much smaller issue if you have credit and resources equal to Bill Gates or Warren Buffet but very few of us are in that situation. If you have good or excellent credit, you can get a loan approved fairly quickly at the bank where you do most of your financial business or maybe at your local credit union. But even at that, the word fast and loan typically do not go hand in hand, as even with good credit, that approval process can take several days.

And the problem becomes even worse if your credit is less than stellar or even determined in the category of bad credit. Your typical lending sources are going to take at least a week to process your application, and due to their much more stringent requirements, chances are very good that the end result will be that they will not approve you.

So what can you do?

If you have the time, make sure your credit report is as clean as possible. Most credit reports for consumers contain errors, and if the consumer does not dispute those errors, they will remain on your credit report almost indefinitely, having an excellent potential to make your credit score much lower than it really should be.

But if you don’t have time to hassle with that because you need a FAST personal loan, you need to look at other options which are not traditional like a bank or a credit union. There are many places that make personal loans to consumers other than banks and credit unions, and many of them even specialize in getting loans approved for people with bad credit. You need to understand and accept that the interest rate on that loan will very likely be higher, but a high interest rate on a loan that gets approved is much better than a low interest rate on a loan that is NOT approved, right?

You also have the option of getting a cash advance loan, sometimes also known as a payday loan. This type of loan can typically be approved in a matter of a few hours and does not even require a credit check, so if you have bad credit, this type of loan might be ideal for you. But one of the big disadvantages is that this type of loan is usually due in full on your next payday, and is not the kind of loan where you can spread out your payments over a number of months or even years.

If you need a fast personal loan, it can be had and that holds true even if you have bad credit, so don’t let your need or want go by the wayside just because you don’t think you can get a loan because you can!