Lone Star Cash Services puts consumers in touch with the money that they need to pay for the unexpected. If you find yourself in need of some emergency cash in Garland, take a minute to fill out our short loan quote form. It takes just a minute to get a no obligation quote, so why not get started.
Quick Cash Loans
When most people think about an emergency loan, they think about the Payday Loan. This is not the only loan available to you in Garland though, even if you have bad credit. Let’s take a look at these two loan types.
Also known as cash advances, these loans are just what the two names imply. They are short term cash loans designed to be paid back on your next payday. These loans are usually for low amounts of less than $1000. Have an emergency auto repair that needs to be made or need to get to the dentist right away, this might be the loan for you.
To qualify, all that you will need is a job, checking account, phone number and a valid social security number. You will also need to be at least 18 years old. Do keep in mind that these loans have fees, not interest. If you were to calculate the interest rate out with the fees and the short loan time, the rate is very high. If you decide to take out one of these loans, take out just what you need and no more.
You might think that an installment loan is out of reach if you have bad credit but this may not be the case. We may be able to get you an offer for one of these loans because we get you access to one of the largest loan networks of lenders around.
An installment loan is a good choice because it would give you a longer loan term. This means that the money that you borrow will be broken up into smaller chunks upon repayment. The smaller individual payments might just be easier on your budget.
Smaller payments can give you longer to get your money situation in order in Garland. Get back on your feet without being strapped by a large single loan payment.
You Have Choices
Before you commit to your loan, you might want to look at your alternatives. So, get your quote and then compare it to other options such as:
Borrowing From Family
What bears a no interest loan? Pretty much nothing but this might not be an available option to you. If it is, a free family loan can give you the money that you need and more time to pay it off and get paid back.
Need more money and more time to pay it off? Then an installment loan is what you are looking for. These loans will be greater than $1000 in most cases and can be paid out over a longer time period. To get approved, you will need all of the above requirements and a fair to good credit rating.
A penny saved is a penny earned. Try cutting bills and expenses to make up for your money shortcomings. Get payments delayed or deferred when possible. Just call your creditors, you might be surprised at your options. Also, put suspendible services on hold. Cable bills, internet services and gym memberships come to mind.
Garland Loan F.A.Q’s
- Why are the fees so high on Payday Loans?
Put yourself in the lenders shoes. They are basically providing someone who can not meet their current financial needs an unsecured loan. They need to charge higher fees to be profitable. No high fees, no payday loan providers. Do take into account the fees when considering this type of loan. If the fees are less than what you would have to pay in late fees or overdraft charges, it might make sense to you.
- My loan is coming due in a few days and I can not pay it back. What can I do?
Contact your lender right away and ask about extending your loan or refinancing it. There may be fees attached, so keep that in mind.
- I have been turned down for credit cards recently, can I get approved?
The credit requirements for these types of loans is much less. Even with bad credit, you may get approved.
- After I get approved, how long until I get my money?
Loans are almost always funded on the next business day. They will be deposited directly into your Garland bank’s checking account.
- What happens if I apply on a weekend?
You will get paid on the first business day so loans will fund on the following Monday in most cases. Bank holidays can also delay funding.
Garland installment loan article.
- Staff Summary
This article will tell you how Lone Star Cash Services can help you get a loan quote and will help you decide if a loan is for you. See the difference between loan types so that you can make the right decision.