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Typical Interest Rates on Bad Credit

Bad credit loans are becoming more and more popular. People of every ethnicity, age, socio-economic status, and gender are finding themselves battling low credit ratings. Fact is, it’s pretty tough to keep your credit score up in an economy that is far less than perfect. However, one way that people who are struggling help themselves, and their credit, is by utilizing bad credit loans. What Are Bad Credit Loans? Typically, when a person goes to apply for a loan through a bank, their income and credit rating is used to determine whether or not they are eligible. Banks have very strict guidelines for this, and it doesn’t matter what events surround the accumulation of bad credit. You were laid-off after an impeccable payment history? It doesn’t matter. A breadwinner in your home passed away? It doesn’t matter. What does matter is that you are floundering, need a financial break, and can’t seem to get one. Bad credit loans provide that break but often at a steep price. There are some lenders that specialize in quick no credit check loans. If […]

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Paycheck Advance Vs a Credit Card Advance

Emergencies arise, and thankfully, if you no longer have an emergency savings account, there are other options. Paycheck advances and credit card advances are easy ways to access cash you need in a short amount of time. However, is one better than the other? What Is a Paycheck Advance? A paycheck advance is a loan against your next paycheck. A paycheck advance store will approve your loan up to your standard paycheck amount. The terms are to repay it in full on your next pay date. The money is automatically withdrawn from your checking account. Advantages: • Can be approved for up to the amount of your standard paycheck • Great backup funding in case you’ve maxed out all alternatives • No credit checks Disadvantages: • High interest fees • Must be paid back by your next paycheck • Can overdraw your checking account • You can become dependent on paycheck advances What Is a Credit Card Advance? A credit card advance is accessing the available credit line of your credit cards. Instead of waiting for approval or the funds […]

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