If you need a quote for cash in a hurry, we can help. Take just a minute and fill out the short loan form below to get a fast decision. It is completely free and you may be able to get an offer for the money that you need, even with bad credit. Get started now.
How To Get Your Offer
So you have decided that you need an emergency loan? Sorry to hear that you are in money trouble, but we may be able to help. We make it easy to get the money that you need, even with bad credit.
How can we do that? Easy, because we are not a direct lender. That might sound strange but it is true. A direct lender only has one set of borrower requirements. If you are not what they are looking for, you may get denied.
No, what we do is give you access to a network of lenders. More lenders means more chances of getting an approval which is very important if you have bad credit. Save yourself the frustration of having to fill out multiple quotes ate multiple websites or stores.
Now, how do you get that quote. It is very easy.
- First, you have to do a little data entry, not much though. Just enter your basic contact information and income information in the form at the top of the page. It should take just a few minutes to get this done.
- Next, you just read the legal terms and hit submit. The info is then securely sent to the loan network for approval.
- If approved for a cash loan, a single lender will send you an offer. In most cases, you will be directed to their website where you can read the terms and complete the process.
- If you decide to accept the loan, you can have the money in your Harlingen checking as soon as the next day. If not, just walk away, there is no commitment.
Couldn’t be easier, right? Now all that is left to do is decide whether you should accept that loan or not. Here are some things that you should think about.
- Can you get the money elsewhere?
You may have other sourced to get that money that won’t charge you interest or fees. Get a free loan from your employer in Harlingen or borrow from a family member in Longview. Zelle sends money instantly. Other options include selling something of value or throwing a spur of the moment garage sale.
- Can you do without the money?
Sometimes we think that we need something when we really want it. If you can do without, it would be better to do so than to borrow money with a high APR loan.
- Can you afford the loan?
You might need money but if you can not afford it, you should not take it out. Even if cash would come in handy now, you would only be buying time. You would then find yourself in an even worse position a few weeks down the road.
Getting Your Money Back On Track
Once you get through that emergency, it is time to get those finances back on track so that you never need an emergency loan again.
The best way to do that is to get your budget in order. A proper budget leaves room for saving, at least 10 percent of your take home pay. Write out all of your expenses and include 10 percent for savings. If your take home pay does not give you enough to meet this budget, you need to either decrease your spending or increase your income.
Let’s take a look at cutting your expenses in Harlingen first. There are a lot of ways that you can do that.
- Shop Your Bills.
When was the last time that you shopped your regular bills. This includes things like cable, satellite, car insurance and if you are deregulated, electricity. Take a few hours and make some calls to get a better estimate.
- Cut The Cord.
Speaking of bills, now might be the time to cut that cable or satellite completely. Switch to a streaming service and save an easy $90 a month off of the average cable bill.
- Cut Your Food Expense.
This is an area where you can make some huge savings. You have to eat but you can do so at home. Go out to dinner less and take your lunch to work. Also switch to cheap bases like rice and potatoes and learn to do all of your own cooking. Pre-processed meals are expensive and unhealthy.
If cutting your expenses does not get you there, your next option is to add a little money by taking on extra work in Harlingen. Here are some jobs to consider.
- Selling Scrap Metal
More than just cans, you can sell all types of metal like sheet aluminum, steel, copper and more. Harlingen Recycling at (956) 428-7407 will be happy to take the metal off of your hands and give you money for it.
- Pick Up An Overnight Shift
Retailers need employers ad WalMart is no exception They are even open 24 hours a day which means that they have a shift that will fit your schedule. Apply in person at 1801 W Lincoln St, Harlingen, TX.
- Donate Plasma
If you are okay with the needle, CSL Plasma is ready to give you money for donating. Do a good deed and get rewarded at the same time. Check them out at 603 N Ed Carey Dr, Harlingen, TX.
You see, there are a lot of ways to pick up a little extra income and doing so might just help you get that budget in order. Having a balanced budget will help you no matter where you are. They will stop you from having to take out emergency loans in Harlingen, emergency loans in San Marcos or payday loans in any city.
If you find yourself in need of money help often, consider contacting a charity for help. The United Way of Northern Camern County may be able to help you with this.