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Handling A Pearland Money Emergency
There are a lot of different ways to handle an emergency. Here are some ways that others in Pearland have chosen to handle their money problems in the past. Check them out and see what works best for you.
Take Out A Loan
Loans are of course a possible solution. That is, after all, probably why you are here. You have a lot of different loan choices. Take a look at the biggest ones.
- Payday Loans
Also called cash advances, these are short term small dollar loans. The average payday loan is just over $300 but you can take them out for up to $1000.
To qualify for a payday loan, you need a source of income and a checking account. Have those two things and you are well on your way to getting an approval. These loans are very forgiving when it comes to credit.
Of course, you must keep in mind the fact that lenders consider these high risk loans. This means high fees so use them cautiously.
- Title Loans
If you have a vehicle with a clear title, you can use it to get a fast cash loan in Pearland. Just bring it in to a local title loan store and walk out with money.
The big problem with this type of emergency loan is that you are putting your vehicle up for collateral. You had better believe that if you are late, they will come and take it. Can you afford to be without a vehicle? If not, tread carefully.
- Pawn Loans
This is another loan that requires collateral but in this case, it can be almost anything of value.
Simply bring a valuable into a local Pearland pawn shop and put it in hock. The shop will give you a percentage of the value of an item as a cash loan. You then repay the loan and fees/interest and get your item back.
These loans are very easy to get but there are two problems. One, you lose immediate access to the item because the pawn shop will hold it. In addition, you can not take out much money. You only get a small percentage of the used value of an item so most of these loans tend to be under $100. Not much money.
Cut Your Expenses
A penny saved is a penny earned. It is a cliche but it is true. If you can cut your other expenses, you may be able to avoid taking out a loan in the first place. Here are some ways to do that.
- Defer A Payment
Did you know that if your account is in good standing, you can defer a car payment. Simply call your lender and ask to skip a payment. They will simply move it to the end of the term and you can save hundreds of dollars this month.
- Put Services On Hold
A lot of services can be put on hold or simply cancelled. Gym memberships and satellite/cable subscriptions are the biggest ones. You can typically put these things on hold for up to 6 months at a time. Just keep in mind that you will not be satisfying any term commitment during this time.
- Eat Cheap
You have got to do what you have got to do. If you typically buy your lunch, it might be time to brown bag it for awhile.
You can also cut down your at home meal costs by sticking to cheap staples. Dry beans, rice and potatoes are cheap and can be made into dozens of different meals.
Last but not least, you can simply do without. If the loan that you were considering was for something that is not an emergency, it might be a better choice to just skip it entirely.
If you need the loan for a necessity, you might be best taking it but you should first compare it to the cost of not having it. If late fees on your rent, for example, are less than the cost of the loan, skip it.
Fast cash loan answers in Texas.
- Staff Summary
When you need money in a hurry, you have no time to wait. This article can help you not only get a quote for a loan in Pearland, it can also help you see all of your loan options.
Read this before you get a loan anywhere.