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Three Ways To Handle A Problem
There is always more than one way to solve a problem. In Longview, you should know that you do have some options besides a loan. Take a minute and review a few of the other options that you might have.
A Free Loan
Not all loans have to have interest. There are many ways to borrow money that do not involve your typical lender. Here are some examples.
One great source of a free loan is your family. For most of us, our family is there to help us and if they have the means, they will do so. This does not mean that you should take such a loan for granted though. In fact, it is just the opposite.
If you handle a loan from a family poorly, you can burn a valuable relationship that is worth more than money. If you borrow money from family, you need to take it as serious as a bank loan. Pay the money back as soon as possible and keep records.
Another source of a free loan is your employer. Your paycheck is usually delayed. The money that you get paid for today, you earned two weeks ago. This means that you have probably already earned some money and if your boss will give you an advance, you can score a free loan.
For an employer, it is a winning deal. There is no risk to them and no cost, except for a bit of extra paperwork. What they get out of it is a happier employee, so do not be afraid to inquire with your employer to see if they can advance you money.
Sell Some Property
Selling property is another option that could work for you.
Most of us have some stuff just laying around. Stuff that is of no use to us but could be sold for some money. Even if you can not get all of the money that you need to handle your situation in Longview, every bit helps reduce how much you need to borrow. The less money you borrow, the less interest and fees you will pay.
There are a lot of ways to go about selling property. One of the simplest is to simply have a garage sale. A few price stickers and a couple of cheap signs and you are all set. The best time to have a garage sale is on a Saturday morning. If you have not sold it by noon, it is time to close up, it is not going to happen.
Another way to sell is with an online Craigslist listing. This is a way you can sell your items quickly but you need to use caution. Once you place an ad, you will almost instantly start being contacted by scammers. Only sell your items for cash and in person at a safe place. Never take checks or any other payment method.
Take Out A Loan
Ultimately, a loan might be the option that works best for you in Longview. If this is what you decide on, take a minute and look at the types of loans that might be presented to you.
These are the most common types of loans in Longview. They are convenient and easy to qualify for but there are a few problems that you need to take note of.
If you take out a payday loan, you will have a lot of fees to pay and you will have to pay the loan back very quickly. Most loans are due to be paid back in just 10 to 14 days which can be a problem if you are not prepared. Also you will pay fees based on how much you borrow. These can vary but might be anywhere from $15 to $25 per hundred dollars borrowed.
A title loan is also very easy to get and can be had for more money than a payday loan in most cases. There is a catch though, you need to guarantee the loan with your vehicle title. This means that if you default, that Longview title loan company can come get it.
For a loan with an APR of well over 200 percent, the risk to your vehicle can be hard to swallow. Be careful before you agree to this type of loan and look at your other options first.
Yes, even if you have bad credit, you may be able to qualify for an installment loan. Of course, the interest and fees will be high but the ability to split the payments up can be useful.
With lower payments, you can more easily fit a loan repayment into the budget. That can give you the time to get your financial affairs in order.
In addition, because your loan length is longer, you may be able to take out more money. Of course, it should go without saying, that you should only take out as much money as you need to get by. The more you borrow, the more you will need to repay.
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- Staff Summary
This article will tell you hot to get a loan quote in the Longview area. See how to get a fast quote and learn about some other options.