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Loan Options for People with Poor Credit History

August 27, 2013 By Hannah

Getting approved for a loan can be difficult if you have a bad credit score. Whatever the reason for your poor credit history may be, you can bet that approaching financial institutions for the the usual loan options will end up in one rejection after another. In cases where you do get approved for a loan, you can expect higher than standard interest rates.

Poor credit score FICO

Image Credit: Casey Konstantin

Not everything is bleak for people with poor credit scores though, because there are several loan options you can still choose from. Below are 3 such options, with each option equally sound, depending on your particular circumstance.

[Read more…]

Filed Under: Finances & Credit Tagged With: bad credit, credit check, loans, no credit check, no credit check title loans, poor credit, secured loan, title loan

Online vs Offline Loan Application: What’s the Best Option?

July 23, 2013 By Rabie Fares

Car-Title-Loan application

There’s no denying that the internet has made life so much easier for people. With so many financial transactions that can be done online these days, consumers enjoy the convenience they never experienced in the past. From buying and selling to banking and applying for loans, people can now do it via the internet.

But while the tech savvy are delighted to do their financial transactions online, there are still those who prefer to do it the traditional way. Applying for personal loans over the internet, for instance, has not been fully embraced by many consumers particularly the baby boomers as well as those who are not active internet users.

Comparing the traditional or offline and online loan application methods, the steps are almost similar. The differences may be minimal such as in the fee and the processing time. Convenience wise, however, the internet way is the winner.

Online Application

Applying for no credit check title loans today is possible through the banks that do online banking and through lenders that have interactive websites. This option does not need traveling as you can do it in the comfort of your home thereby saving time and money.

The first step is usually to fill out an online registration form and the next is to submit the requirements specified.

This can be done round the clock, every day of the week. And as one is not required to visit an office branch, there’s no need to wait for the office to open and wait for your turn.

Processing time is also often faster when applying for a personal loan over the internet. As an example, payday loans can be processed within a few hours which means you can get your cash by waiting for a short time only.

Offline Application

Doing it the traditional way is more preferred by older people including the seniors who don’t feel very secure processing their financial transactions online. As they’re used to visiting a bank or lending company every time they want to avail of a loan, they would rather still do it even with the existence of the internet today.

These people could not be blamed if they want to do it the old fashion way particularly if they’re aware of the news about phishing and identity theft cases and were affected by them. And if these borrowers are applying for a loan involving a huge sum of money, it’s natural for them to be very cautious and choose to apply at a branch office instead of online.

In the end, it’s still the borrower who has the last say on which method to use when applying for his much needed loan. Either way, what matters is you’re able to get the cash you require to meet your financial needs.

Image via currencyintelligent

About the guest author:

James Jones is a professional blogger that provides advice and information on debt, loans and auto title loans. She writes for InstaLoan, the best place to apply for a car title loan online.

Filed Under: Finances & Credit Tagged With: borrower, no credit check title loans, offline loan application, online loan application, title loans

Benefits of Being on a Wedding Registry

June 29, 2013 By Penelope

Image source: Flickr
Image source: Flickr

Bridal or Wedding Registries … there was a time in the not so distant past that you cannot even think of suggesting to a bride that she should sign up for a bridal registry.  It was just … not done. Back then, people felt that the soon-to-be-married couple were being cheeky for even suggesting what they wanted to receive as wedding presents. Engaged couples don’t drop hints about things like that, they should just accept whatever gift they are given with a smile and send a monogrammed thank you card afterwards.

How times have changed. Today, most couples wouldn’t think twice about signing up for a bridal registry. And their guests wouldn’t feel the least bit offended if the wedding invitation came with a little notecard identifying which shop the couple had registered in, or the kind of gift they wanted to receive. It’s quite practical really … for the couple, they receive the items that they need, while the guests will no longer have to rack their brains trying to figure out what present to give. If you need more convincing, here are some more benefits of signing up for a bridal or wedding registry.

[Read more…]

Filed Under: Family & Friends, Finances & Credit, Love & Relationships, Marriage & Divorce Tagged With: bride, couple, engagement, gifts, Groom, presents, registry, wedding

Ten Thrifty Traveler Tips (traveling on a shoe-string budget)

June 29, 2013 By Penelope

Image source: Flickr
Image source: Flickr

Even though the world has not shrunk in size, advancements made in communication and transportation has somehow, made it smaller. People are bombarded with news items, travel documentaries, pictures, videos of amazing and exotic places – raising curiosity and feeding on man’s innate travel bug. Wouldn’t it be wonderful to walk on the Great Wall of China? Or celebrate New Year at Times Square? How would it feel to dip into the clear waters of Tahiti? All of these play in everyone’s mind and everyone dreams of someday, going to these places to answer these questions.

Unfortunately, traveling, especially to overseas destination, can be quite expensive and, if you have a family to support, and children to look after, the costs can appear overwhelming. This, however, should not deter you from planning a holiday. Make this holiday a goal you and your family can work towards on. Have your kids save a little every day so they can have their own “spending money” (even though you know that you’ll be paying for their purchases anyway).

If you’re keen on going somewhere, whether on your own or with your family, but have limited funds to work with, here are ten tips for the thrifty traveller.

[Read more…]

Filed Under: Entertainment & Leisure, Finances & Credit, Food & Drink, Shopping & Technology, Travel & Sports Tagged With: budget, holiday, money, overseas, savings, tips, travel, trip

Everyday Power Saving Tips

June 29, 2013 By Penelope

We’ve all been told that, if we want to bring down the cost of our electric bill, we have to turn off the lights when we’re not in the room, and to turn off the TV / Radio when no one is around. Those are sensible advice and they do help bring the power bill down. However, power saving does not stop there. Here are some other ways you can reduce your energy consumption. [Read more…]

Filed Under: Family & Home, Finances & Credit, Green Living & DIY, Work & Money

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