If you are wondering what the top 5 ways of getting a cash loan fast are, then this is the article for you. Ultimately at some point in everyone’s life, they will need to get money quickly in order to pay for an emergency such as a hospital stay or just a loan to help you get back on your feet. This can be especially tricky if you have a bad credit rating and the banks do not want to let you borrow money from them as they do not trust that you will pay it back. So for those of you who are in that situation or who would rather not take a loan from the bank, here are some simple cash loan solutions for you. Firstly, you can borrow money from your family if they have the financial capacity to loan you the money. This can however have certain downfalls. For example you may have to swallow a bit of pride to ask them for the loan. Another issue that may occur is that you cannot repay them in the time allocated and this can lead to additional pressure from the people you were looking to for support.… Read More

If you are in need of instant cash, getting a cash loan may seem like a very appealing option. There are ways to get a cash loan without a bank account. Make sure you know upfront that cash loans can be dangerous to people without the funds to pay these back, and can ultimately put you in a worse financial situation. You can apply for a cash loan through a bank, or through a less regulated “loan-provider”. Traditionally, the application process through a bank is more in-depth, and entails more stringent credit and employment checks. These types of loans are usually termed “personal loans”. While these loans come with the guarantee of being provided through a reputable institution, the downside is that stringent credit checks are run before you can be considered for a loan. You are unlikely to secure a loan through a bank if you do not have a bank account, as there is no way for a bank to then check your credit history or to get a feel for how you usually conduct your financial affairs. The easier route for someone without a bank account would be to apply for a loan through a less regulated… Read More

So what is Cash Converters Payday Loans Advance? There comes a time when the money many people earn is just not enough to cover certain bills. It could be that many people over-indulge or maybe they spend too much during the Christmas season and end up with a problem at the end of the month. Many people will agree that it takes only 30 minutes to put you in debt for the rest of your life. Luckily, there is a solution to this problem and that solution is Pay Day Loans Advance. So, what is it? Many people ask this question: What is Cash Converters Payday Loans Advance? – and the answer simple. A Pay Day Advance loan is finance paid on short term that will be added to your following salary at the end of the month. The thing that you have to remember about this type of loan is that although the cash is given to you with your next pay cheque, your account will be debited the following month you get paid. You can visit any Personal-Finance-Center and give them the following information: you will need to produce a valid Identification Document, proof of residence – this… Read More

In order to determine to answer the question of how much mortgage can you afford, there are quite a few aspects you have to look at. You have to look at this even before you begin looking for a house to purchase. The reason for this is because you have to know how much you can afford to pay on your loan each month without putting strain on yourself and your family. Once you have a figure to work with, it will make it a lot easier for you to find a house to buy and you can look at all the options that are within your budget. The bank will look at your income as well as your spouses.  They will also need a list of all your expenses; this way they can see how much money you have left after your expenses, which will help to come up with a figure of how much you can afford to spend on a mortgage. You have to be able to prove your income, so be prepared to collect pay slips or bank statements, or even both. Lying about your expenses also won’t help you because if you get too much… Read More

Although Capitec home loans are not actually available, anyone who is a client of this bank may apply for personal finance of up to R120 000. The terms of the loans range from one month to sixty months; obviously the longer the term the more interest you end up paying back, so the shorter the term you choose, the better. Should you apply for a loan at Capitec, you will be happy to know that you are also granted access to some of the lowest cost transactions in the country as well as extremely competitive interest rates. You can visit your nearest branch to determine how much of a loan you qualify for, or you can make use of their online features to determine this if you have the time. There are many benefits to banking with Capitec, and even though it is not home loans that may draw you to this bank, it could be the fact that should your loan be approved, your cash will be available within minutes. Also, if you have your salary paid into your Capitec account, you immediately qualify to get lower interest rates on loans. Another reason why getting credit with this bank… Read More

To get temporary bridging finance means that you borrow money on a short term basis, normally at a higher interest rate than normal. There are quite a few different lending companies that one can choose from when they are interested in something like this, so your best option will be to choose the one that seems the most professional, trustworthy and has the best interest rate. A loan like this is perfect for business or personal reasons; many business people take out this type of temporary cash when they purchase properties from auctions. A personal legal issue us enough reason to take out bridging finance too; there are many different reasons why people make use of such a loan, but the main reason is to have cash while you wait for your home to be sold. In order for you to qualify to get temporary bridging finance while you await the sale of your home, there is quite a process you have to follow with most of the lending companies. After you have filled in your online application, you might be asked for a copy of your ID, proof of address, bank statements, valuation certificate, mortgage statement and a list… Read More

Looking for tips to help settle debt? These can easily be found as so many people are in serious trouble with debt. Everyone has money problems some time in their lives, but some can handle it better than others can. While some people will make do with what they have, others will make loans and borrow until they can’t anymore, which will result in them having even worse finance trouble. Going for counseling does help as it will show you how to deal with the stress related to debt and that will make things slightly easier, but it won’t make your debt go away. If you owe people/companies a lot of money, one of the best tips to help settle debt is to consolidate. This means that you will take out a big loan and use it to pay off all of your debt and get yourself back on track, then you will just have the one consolidation loan to pay off and nothing else. To consolidate your debt is what many people are doing these days as they see it as the only way out of their money problems. Loans are always trouble and you shouldn’t use them unless… Read More

You can borrow cash even when blacklisted these days as there are lenders out there who are willing to lend money to anyone, as long as they are able to pay it back. If you’ve had debt problems in the past which resulted in you being black-listed now, you don’t have to worry about not being able to borrow cash when you need it. The only thing you have to worry about is the interest rate that the lenders will charge you because of your bad credit. You could go under debt review, if you aren’t already, this will help you keep your spending under control. Debt consolidation is another option for people with debt problems and you can still borrow cash even when blacklisted. Your bad credit doesn’t matter, as long as you find the right people to lend money from you shouldn’t have a problem. Being under review is not a bad thing either, but people will be able to pick it up if they search through your background. Being blacklisted is terrible because you aren’t able to purchase anything on credit, or rent a house or buy a car, etc, but if you urgently need cash it… Read More

Online micro loan facilities are really useful if you are trying to get finance quickly or are only looking for a loan for small amounts. In the past if you were looking for a small personal loan then loan sharks and other money lenders would have been your best bet. However, they do not call them sharks for nothing. Informal lenders often charge exorbitant interest rates and had very strict conditions that could turn your small loan into a big debt. There are better options now and financial websites are often able to recommend a good lending company that will keep your interest rates reasonable and give you sufficient time for repayments. Looking at financial websites online micro loan facilities is a great place to start. Financial experts and business people often provide feedback and answer questions about the process of taking out loans. They explain ways to avoid the loan sharks and can help you to get finance quickly whether it is small amounts you’re after, or if you are looking for a large loan. Not every lending company will be willing to take risks like offering personal loans, particularly if you have a poor credit record or a… Read More

Borrow money with a bad credit record and you are on your way to get blacklisted finance. The only way to get out of your cycle of debt is to pursue debt consolidation. In South Africa, lenders are extremely lax on their lending conditions and will give you loans until you cannot see a way out. The difficulty with these loans is that they are rarely secured loans, which means you are left with very high interest rates and even higher repayments. If you choose to consolidate all of your debt, it means a lower interest rate and only one repayment for month which helps you to take control of your finances more effectively. The reason it is a bad idea to borrow money with a bad credit record is because you are likely to enter a cycle where you owe more than you can possibly repay. This is fine if you anticipate a short spurt of debt, for example when you are purchasing your house or car, but not fine in the long term. You get on blacklisted finance lists when you don’t make your monthly repayments. For many of us this happens because there are too many lenders… Read More