When the worst happens, sometimes you do not have enough money on hand to cover your expenses. If you need money to cover an emergency auto bill, doctors visit, etc, we can help. Lone Star Cash Services can help you get in touch with the money that you need. Fill out one short form and get an offer from a lender in our loan network.

Wallet in Balch Springs WIth Money From A Payday Loan

Cash Loan Opportunities

You may have more choices than you think in the Balch Springs area. Look at a few of your most popular options.

Payday Loans

When you need money in a hurry, the first thing that comes to mind is probably a payday loan or cash advance. These loans have several advantages. First, they are easy to get. You can apply very quickly and they can allow people with bad credit to get a cash loan. Second, they fund quickly. In most cases, the funds will be deposited directly into your account on the next business day. The downside to payday advances is that they come with fees. The fees can be high and you should consider if they are less than what you would otherwise pay in late fees or even overdraft fees. If they are less or you just have no other source of funds, consider going with a payday loan.

One thing you must consider before taking out a Balch Springs payday loan is whether you have any good alternatives. If there is a cheaper way to get the money that you need, it should be considered. Here are some things to consider.

  • Friends/Family: Nothing beats a free loan. If you think someone that you know might be able to spot you a few bucks until payday, go that route. Just be careful not to burn the bridge and pay your loan back quickly.
  • Cutting Expenses: A penny saved is a penny earned. Try to defer payments or contact creditors to see if interest only payment options are an option. If you are late on rent, try to work something out with your landlord.
  • Craigslist: Almost everyone has something that they can sell online. Look around your home and see what you can do without. Just don’t sell something that you would have to buy back again in a few days.

Qualifying

Qualifying for a cash advance in Balch Springs is rather simple. You will need a checking account, a job, a phone and a social security number. Installment loans will need all of the same things but may require a bit more credit history to qualify. You can normally qualify for a payday loan with poor credit.

Installment Loans

Install loans are very similar to payday loans in that you can get the money fast and that you still may be able to qualify even with bad credit in Balch Springs. The difference is in how you pay the loan back.

The ability to split your personal loan up into smaller installments is a great thing. It can make what would have otherwise been an unmanageable loan, manageable. Small loan payments might just give you the time you need to get things in order.

Another benefit to this loan type is that you may be able to get more money. If you need thousands of dollars instead of hundreds of dollars, it might be a loan to consider.

F.A.Q’s

What will the fees be on my cash advance loan?
This will vary from lender to lender and will be based on a set fee per $100 borrowed. Make sure that your lender fully discloses the exact amount that you will need to pay back. If you are at all confused, do not sign.

How long do I have to pay back my loan?
If it is a payday loan, you will typically be required to pay the loan back within 14 days. Installment loans will vary depending on the amount borrowed and your lender.

What if I can not pay my loan back on the due date?
If you think that you will be unable to pay the loan back on time, contact your Balch Springs lender as soon as you know. They may be able to arrange an extension or refinancing of the loan. Note, there may be additional fees and you should attempt to pay back at least a portion of the principal

I have bad credit, will I qualify?
For cash advances, perfect credit is not required. As long as you have a job in Balch Springs and a checking account, most lenders will be able to work with you.

Balch Springs Money Options
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Summary

This short article is about options. See your options for getting cash via a loan and some other choices that you may consider.