Wednesday, April 24, 2013

Finding Poor Credit Loans Online - The Fast Money Solution


When you start looking for cash because you need it overnight or even faster, you need to know what your options are. Not all lenders offer poor credit personal loans and not all lenders will work with you to get you the money you need fast.

However, some lenders specialize in providing fast cash loans for your emergency situations. This helps you do more than you may think you can do with the money and helps you when you have a financial issue. If you know, you need cash and you need it fast, then try these five options.

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The Top Five Ways to Get Poor Credit Loans

1. Cash Advance/Payday Loan

The best option for fast cash is the cash advance or payday loan option. These can be found online and usually all you need is a driver's license or ID card, a steady job, an income of $1,000 or more a month, proof of residence in the United States, and you must be at least 18 years of age. Some lenders will require a checking account, but some don't require a bank account at all.

You can find this type of loan online and apply very fast. They will usually let you know if you are approved within a few minutes. They don't check your credit, so you don't need to worry about that part at all.

2. Pawn Shops

Another option for those looking for poor credit personal loans is to use a pawn shop. You can take a valuable item you own, like a piece of jewelry, an electronic item, or anything else of value, and get a loan against it. They will usually give you a loan for about half the value or a little less. This is a great way to get a few hundred dollars fast.

3. Family and Friends

Many will hate this option, but when you are desperate for cash, your family and friends might help you. You can ask for a loan from them and if they can help, you will just have to pay them back. Sometimes this is not an option, but if you really need money and you need it fast, someone you know might be able to help.

4. Person-to-Person Loans

A bit of a newer option is to use one of the P2P or person-to-person loans that are out there. This helps you get the money you need without calling up family or friends. A few websites offer these types of loans and will allow you to get a loan for more than what cash advances offer. However, this option does not allow you to get cash overnight or as fast as you might need it. It will take up to about a week to get the money you need.

5. 100 Day Loans

If you know that getting cash in a hurry is necessary, but paying it back in just 30 days is not going to help you much, then choosing a 100 day loan can help. This type of payday loan gives you triple the time to pay it back and smaller payments. You will pay a little more in interest, but you don't have to worry about paying it back in two or three payments. Instead, you get 6 to 8 payments to pay back the loan.

What to do if You Need a Poor Credit Personal Loan Today?

If you know you need money and you need it today, you will have only a couple of options. Basically, you can use any of the options above except the P2P loans. These take too long and you won't get your money fast enough. If you apply for a payday loan or cash advance online, then you can see your cash within 24 hours or less. Some companies can even get you your money within an hour or so.

Depending on how much you need, you may be required to fax in a few documents including a copy of a bank statement, a copy of your ID, and a copy of a recent paycheck stub. However, if you choose one of the poor credit personal loans for less than $500, you often don't have to fax in any documentation at all.


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