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* Q - Can you get another second 2nd loan if you already have a loan?
* A - Yes you may get a second loan or apply for a consolidation loan.
* Q - How long does it take to get approved for a loan?
* A - It varies. It can take 5 minutes 1 hour or 24 hours.
* Q - What do I need to get a payday or personal loan?
* A - You will need proof of income or assets. Some loans require good credit. Some loans are no credit check.
* Q - What documents do I need to get a payday loan?
* A - It varies depending on loan. In most cases - Proof of ID, paycheck stubs or bank statements and proof of residence.
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Personal Loans for Bad Credit: Why Payday Loans Are a Viable Option
By Joycelyn Crawford
The task of finding the necessary funds to help clear financial problems is complicated by the fact that some lenders still take a close look at credit histories. This is no good when the situation is an emergency, so as personal loans for bad credit go, a payday loan is not a bad option.
There are great advantages to fast loan approval, and accessing the required cash quickly, but it is important that the consequences of all loan agreements are known before signing up to anything. All personal loans have terms and conditions that affect the affordability of the loan, so it is essential that the terms of a payday loan are carefully considered.
What Are Payday Loans?
As the name suggests, a payday loan is an unsecured loan that is granted on the back of an upcoming paycheck. This means that the loan is paid back in one sum on the very next pay day. This might seem like an ideal solution to getting personal loans for bad credit, and they are certainly useful. But there are conditions that need to be considered before applying.
On the positive side, because these loans are approved with the paycheck in mind, the lenders are not interested in your credit history. This means that whether an applicant has a bad credit score or a terrible one, they can still get the loan if their income is enough. What is more, fast loan approval is assured because there is no time wasted checking on a credit history.
However, the loan limit is small, usually no more than $1,500 and the interest rate is very high. Married to the fact that this personal loan must be repaid in 30 days, it means that a payday loan can be very expensive.
Making a Payday Loan Work
So, if it so expensive, what use is a payday loan? Well, they are particularly useful in financial emergencies, when raising money fast is more important than how much interest is repaid. In that way, it is a perfect personal loan for bad credit management, with small debts repaid one at a time. The only issue is the repayment of the loan.
Because of the fast loan approval service that is offered, an applicant can get the green light within an hour and the cash deposited into their bank account by the end of the day. It means that within 24 hours the whole problem can be dealt with. So, a final notice on a mortgage payment or an outstanding credit card debt can be looked after.
What is essential is that the personal loan is less than the income due to arrive. A $1,500 loan at 30% interest requires a single repayment sum of $1,950, which will be taken directly out of the bank account. If the paycheck is only for $2,500, however, this creates a major problem in meeting general monthly obligations.
Finding the Right Lender
The best place to find payday loan providers is online. This is because the lenders there are experts in providing personal loans for bad credit management, offering the lowest interest rates in the market, and best repayment terms. However, always be sure to check out the reputation of online lenders with the Better Business Bureau website before agreeing to anything.
While fast loan approval is a great positive, and the no credit check approval process, the most important details are to be found in the small print. A payday loan is expensive, but missing that single repayment will be met with serious consequences. It may be worth exploring other personal loan options to find the most suitable loan deal.
Joycelyn Crawford is an expert in Easy Loans for Bad Credit and Easy Home Loans. Visit her site at EasyLoanForYou.com
Article Source: https://EzineArticles.com/expert/Joycelyn_Crawford/82514
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Payday Loans With Bad Credit: How to Clear Them Fast
By Hilary Bowman
For any of us, the need to access cash quickly can pop up without warning. Often we have no time to go through the normal loan application process, and when poor credit ratings are a factor to consider, there is one option that provides at least some certainty. Getting a payday loan with bad credit is possible for practically anyone.
There are problems with this route, however. The promise of fast access to cash means lenders providing these loans are able to charge much higher interest rates than normal, some as high as 35%. So, while approval for emergency funds is almost assured, a hefty repayment sum is equally certain.
What is more, the repayment term is usually very short, in some cases as short as 14 days. It depends firstly on the terms of the payday loan, and secondly when the next paycheck is due to arrive (thus the loan name).
Avoiding a financial disaster can be tricky if the right attitude is not applied from the start, so here is a brief guide to taking control of the debt that can so easily build up.
Organize Your Budget
Most of the time, borrowers will only have one payday loan, with bad credit making it difficult to take on any more. But when the sum borrowed is high, the repayment schedule is usually stretched over three or more months. This can create a need for further loans, which then overlap to increase the repayment pressure.
It is important to make a careful study of the situation, and to accurately budget the repayments. Identify each loan and when repayments are due, as well as how much the repayments are. Draw up a timetable if necessary for easy reference. A major flaw amongst borrowers is that, after getting approval for emergency funds, they do not stay on top of the situation.
Once the timetable is clear, allocate the necessary amounts to pay off the payday loans. It may need some serious sacrifices to pull off, so maybe wait a while before booking that vacation to Florida.
Consider Debt Consolidation
If the debt is too difficult to manage, then there are a number of debt consolidation loan programs that can be considered. These ultimately clear in one go all of the troublesome payday loan, with bad credit often ignored by lenders. These programs are designed to help, primarily.
A debt consolidation program means that the debt is fully repaid using another loan that is structured to have much lower monthly repayments over a longer period. When a borrower gets approval for emergency funds, they rarely have the luxury of choosing the loan deal, but this sets the issue right.
There are also debt settlement programs available. These differ from consolidation programs in that they are used to clear perhaps 50% of the debt in one go. This makes a difference in terms of repayment sums, but part of the payday loan debt remains.
Consider Bankruptcy
The final option for clearing payday loans with bad credit is bankruptcy, and while this is not the most desirable solution, sometimes it is necessary. This option is reserved only for those borrowers who are clearly unable to meet repayments and are completely overwhelmed by the debt.
This means that the debt is erased, relieving the borrower of any need to repay the loans. But there are consequences to be aware of before finally lifting the pressure that approval for emergency funds brought.
Once the application for bankruptcy is approved, the chances of getting another payday loan (or any loan) approved can be rated as slim to nil for about 2 years.
Hilary Bowman is a Financial Expert who specializes in Loans for People with No Credit and Bad Credit Loans
Article Source: https://EzineArticles.com/expert/Hilary_Bowman/114938
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$5,000 Personal Loans For Bad Credit: Three Avenues to Take
By Hilary Bowman
Getting a personal loan of any size when a low credit score hangs over your head can be difficult, especially when approaching a traditional lending institution. But it is worth noting that securing even a $5,000 personal loan for bad credit is not impossible. Simply by taking alternative routes, the necessary cash can be secured.
It might seem illogical that a personal loan of several thousand dollars can be approved when a low credit score suggests repayments cannot be guaranteed. But the fact is that a credit score is not considered the basis on which to reject a loan application. This is because a variety of things, like losing a job, can affect the most honest of borrowers.
Anyway, getting approval for $5,000 loans is not a simple matter of giving the thumbs up. There is criteria that needs to be met and, as such, an application needs to be in proper order if it is to succeed. Still, the route chosen is telling, and there are three alternatives to traditional banks that a borrower can take.
Online Bad Credit Specialists
The internet is filled with lenders that specialize in loan products designed for people with low credit scores, so a $5,000 personal loan for bad credit applicants can be accommodated. There are some points that need to be taken into account, but in general this route is considered superior to traditional lenders anyway.
The first point is that the interest rate charged is higher than for those with a good credit rating, but it is still less than most banks will charge. For that reason, the online lender is regarded a very competitive option, especially given the fact that approval on a personal loan is more likely.
However, that is not to say that all applications are approved. In fact, the concentration on income means that it is essential an applicant for a $5,000 loan can prove they have a regular source of income, and has been working full time for at least a period of 6 months.
Payday Loans
When bad credit is an issue then seeking a loan that requires no credit check for approval is a good solution. To this end, a payday loan (or cash advance loan) is ideal. A $5,000 personal loan for bad credit is typically too large to get approval for, however.
Payday loans are small, ranging from $100 to $1,500 because they are issued against a forthcoming paycheck. For this reason, the sum available to borrow is strictly controlled. It also means that in order to get the correct personal loan sum it may be necessary to take out a series of payday loans - perhaps 4 x $1,250.
But remember that repayment is also very short term, usually within 1 month. So, your paycheck would need to be able to cover the total sum borrowed. Although, it may be possible to negotiate a 4-5 month deal in order to secure one $5,000 loan.
Loan Bidding
A final possibility is the modern method of loan bidding, which could see a $5,000 personal loan for bad credit secured. Basically, a loan proposal is posted on a website and site members bid to provide the loan. As a form of securing a personal loan this can work to your credit, as the bidding systems means the interest rate falls until it matches your preference.
However, a $5,000 loan from this source is not guaranteed because the lenders are individuals. So, the borrower has to accept the accompanying degree of risk.
Hilary Bowman is a Financial Expert who specializes in Loans for People with No Credit and Bad Credit Loans.
Article Source: https://EzineArticles.com/expert/Hilary_Bowman/114938
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Touring Around Cleveland
By Charlene W Smith
By Air
Cleveland Hopkins International Airport (CLE) functions as a center for Continental Airlines and services almost 700 arrival routes every day from over 142 locations. The flight terminal is easily situated close to the crossroads of I-71, I-480, and I-80 along with railroad service straight from the airport terminal to the downtown area Cleveland. Address: 5300 Riverside Drive, Cleveland, OH 44135. For more information, call 216.265.6030.
Burke Lakefront Airport (BKL) is both a company and standard aviation flight terminal which is managed by the City of Cleveland. Found in the heart of downtown Cleveland, BKL offers unmatched entry to downtown industry as well as destinations. Address: 1501 North Marginal Drive, Cleveland, OH 44114. For more information, call 216.781.6411.
Akron-Canton Airport (CAK) is specialized in doing your flights towards the Greater Cleveland region much more comforting and satisfying. CAK provides the most affordable standard ticket of any airport terminal in Ohio with surrounding car parking, on-site auto leasing, and high quality low-fare service onboard AirTran Airways. Address: 5400 Lauby Road, N. Canton, OH 4472. For more information, call 330.896.2385.
By Taxi or Airport Van
Cabs as well as airport terminal vehicles service many of the area cities and air terminals and are a substitute for hiring a car if you do not intend on doing a great deal of sightseeing and tour.
By Rental Car
There is a wide range of car rental providers you may count on. Some choices possible are the following::
Avis (800.230.4898)
Enterprise (800.261.7331)
Hertz (800.654.3131)
National (877.222.9058)
By Train
Amtrak can make many day-to-day stops in town. The train station building (which has waiting room area) is situated at 200 Cleveland Memorial Shoreway, Cleveland, OH 44114. For more information, call 800.USA.RAIL (800.872.7245).
By Bus
Greyhound Bus Lines provides timetabled program to/from its downtown terminal station, that is available 24 hours/day, each day of the year. Address: 1465 Chester Avenue, Cleveland, OH 44114. For more information, call 216.781.0520 or 216.781.1841.
Megabus delivers low-cost day by day express coach assistance to/from Toledo and Chicago. Their own high-class double deckers provide you with 100 % free wi-fi, breathtaking windows, plus a eco-friendly alternative route to take a trip. Cleveland's downtown stop area for departures and arrivals is situated at the joint RTA and megabus.com stop next to the entrance to Tower City at West Huron Road and West 3rd Street. For more information, call 877.GO2.MEGA (877.462.6342).
By Car
Highway tourists will discover Cleveland is essentially located at the junction of a number of Interstate highways (I-77, I-71 and I-90). Ohio Route 2 comes after the Lake Erie shoreline through Cleveland, while I-80 (Ohio Turnpike) and I-480 run east/west of the city.
By Public Transportation
Greater Cleveland Regional Transit Authority (RTA) - RTA features public transit in the City of Cleveland and 58 neighboring cities, and also positions as one of the state's biggest transportation systems. It incorporates both bus and fast transportation service, a hassle-free downtown cycle bus program, and four speedy transportation lines (Red, Blue, Green, and Waterfront) bringing individuals to almost any location throughout Greater Cleveland. Fares are $2.25 each way. For more information, call 216.621.9500.
Rail Service - Generally, there are three line of rail services to select from::
Red Line: This particular rail line stretches from the Louis Stokes Station at Windermere in East-Cleveland up to Cleveland Hopkins International Airport which is found in the west.. It can accommodate a number of individuals from University Circle as well as West Park.
Blue Line and Green Line: These sister rail lines take trip between Tower City and Shaker Square. From Shaker Square, they would take separate ways. The Blue Line proceeds to Van Aken Boulevard and the intersection of Warrensville Road while the Green Line takes Shaker Boulevard to Green Road.
Waterfront Line: This particular line is just an extension of the Blue and Green Lines and its line starts at Tower City. From there, it would head to the East Bank of the Flats to the South Harbor Station in the Municipal Parking Lot.
For more information, call 216.621.9500.
Downtown Trolley Service - Trolleys are again used in Cleveland, and there is zero cost on the fare. Two routes operate from Mon-Fri 7am-7pm.
The E-Line services the Warehouse District on West 9th and West 6th Streets, Public Square and Tower City, the Entertainment District on East 4th Street, the theatres in PlayhouseSquare, Cleveland State University, as well as other industrial areas on Lower Euclid Avenue.
The B-Line encircles Superior and Lakeside Avenues in between West 6th Street in the Warehouse District and East 12th Street. It services the State Office Building, Public Square and Tower City, Cleveland Public Library, the Convention Center, Cleveland City Hall, the Federal Office Building, Cuyahoga County offices, as well as some other business spots.
Get cheap Cleveland flight [http://www.cheapclevelandflights.com/cleveland-attractions-to-visit-and-enjoy/] to enjoy the city's attractions. For more tips about planning a Cleveland OH vacation and tour, visit [http://www.cheapclevelandflights.com].
Article Source: https://EzineArticles.com/expert/Charlene_W_Smith/930251
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Enjoy Vacations in the Best Cleveland Hotels
By David Urmannand Nayan Choure
Founded in the year 1796, Cleveland city is located in the United state of Ohio on the southern shore of Lake Erie at the mouth of the Cuyahoga River. As per the census survey city estimates population of 478, 403, and was then the 33rd largest city in the United States. Moreover Greater Cleveland, is the largest metropolitan area in Ohio. Cleveland is haven for art and culture enthusiasts. The best time of year to visit Cleveland is during summer, when temperatures are warm, same way city offers exciting attractions and events all the year through. Autumn is also a popular season to travel to Cleveland when the air is cool, while winters are very cold and snowy, and spring tends to be wet.
Explore the tourist Attractions
Fly Cleveland for fun and exciting Tourist Attractions. Browse some of the top rated and must see attractions in Cleveland which includes Cleveland Botanical Garden, Cleveland Children's Museum, the best and must place see for kids. Cleveland Metro parks, which is also responsible for managing all preserve and parks in Cleveland, where as Cleveland Metro parks Zoo, is one of the oldest zoo park in united states. Cleveland Museum of Art includes best online collections for more than 4000 objects, featuring events and exhibitions.
- Garfield Monument Standalone sculpture, statue of James A. Garfield, the 20th President of the United States.
- Science, technology attraction or museum.
- Great Lakes Science Center, thus helping visitors to know perfect blend of science and technology.
- The Rock'n Roll Hall of Fame for rock and roll music lover is must see attraction of Cleveland in world.
- The Cleveland Orchestra, one of the most famous Orchestra, known as big five.
Night Life in Cleveland
When the sun sets, Cleveland enters new world of excitement as bars, pubs and night clubs, dance clubs makes the best night life selections. Find Some of the best night clubs and Strip clubs in Cleveland. The Velvet Dog, 6th Street Under Jazz Club, Odeon Concert Club, Cloud Nine Lounge etc.
Best Hotels
Whether business travelers or tourists, find the best range of hotels like luxury hotels, hotels in downtown, business hotels, Hotels near airport, Cleveland motels with affordable price ranges. Find the best deals and facilities in DownTown Cleveland Hotels which includes Cleveland Marriott Downtown at Key Center which features luxury accommodations, entertainment options, high speed wireless internet access etc.
Embassy Suites Cleveland is another featured hotel which is walking distance from the Rock and Roll Hall of Fame and Museum Find Top rated Business hotels as per locations like Embassy Suites Cleveland-Downtown, OH.
For more information on Downtown Cleveland Hotels [http://www.cleveland-hotels.biz/] and Cleveland Hotel Rates [http://www.cleveland-hotels.biz/hotel-rates.html] please visit our website.
Article Source: https://EzineArticles.com/expert/David_Urmann/39183
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