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CASH 1 knows money. We've been a financial institution for over 20 years. Read our blog to learn ways to manage your debt, loans and personal finances.

What to Do When You Need Help Paying the Bills
  • 2 MIN READ|
  • 0 Comment |
  • 206 |
  • by Joseph Priebe|
  • May 18, 2019 |
  • Personal Finance

What to do when you need help paying the bills

A Bankrate.com study found that 36 percent of all Americans said they are more concerned with paying bills than any other financial issues, the highest percentage for any listed options. Paying down debt was selected by 20 percent of Americans as a top priority, saving was identified by 18 percent, and providing financial assistance to others was listed by 12 percent. "Americans' financial priorities reflect the difficult economic realities of high unemployment, stagnant income and the absence of new high-paying jobs," said Greg McBride, senior financial analyst at Bankrate website.

These priorities have not changed much in recent years. Bankrate held the same poll one year ago: at that time, 32 percent of Americans said their top priority was staying current or catching up on their bills, while 23 percent identified paying down debt.

Job security ratings also decreased throughout October, according to Bankrate, and are projected to stay negative throughout December. Americans who reported feeling less comfortable with their savings also outnumbered those who feel more comfortable with their savings for the 36th consecutive month, when comparing their situations to one year prior.

However, consumers are beginning to increase the amount of money they have at their disposal. Almost 30 percent of respondents reported having a higher net worth than they did at this point in 2012, while only 16 percent of individuals reported that their net worth had lowered.

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9 Ways to Develop Better Spending Habits
  • 4 MIN READ|
  • 0 Comment |
  • 163 |
  • by Logical Positions|
  • May 6, 2019 |
  • Personal Finance

ways to develop better spending habits

Developing good spending habits is essential to achieving financial freedom. However, changing your lifestyle is easier said than done. According to a study published in the European Journal of Social Psychology, it takes an average of 66 days for an action to become a habit. As such, staying focused on your goals and committed to breaking bad patterns is crucial to making better financial decisions. Here are nine easy ways to develop better spending habits  that you can begin practicing today.

Create a budget

Writing out your monthly budget will provide you with a physical example of how you plan to accomplish your financial goals. Your budget should prioritize essential payments such as rent and groceries or paying off debt. However, you should also factor in a monthly amount to spend on fun activities such as going to the movies or having drinks with friends. Completely eliminating spending your money on activities you enjoy is unrealistic; such impractical expectations will quickly result in deviations from your budget, which eliminate the purpose of writing a budget in the first place.

Track your spending habits

The only way to know whether or not you’re sticking to your budget is to track your spending habits. By monitoring your expenses, you’ll be able to pinpoint your negative spending patterns and make changes accordingly. For example, you may not realize you’re spending hundreds of dollars while online shopping or by going out to eat each month. Making an effort to track what you spend money on will alert you to these negative habits. An easy way to do this is to use an expense tracking app such as Clarity Money or Wally,which provide you with insights into your recent account activity.

Set attainable goals

Developing new habits takes time, and attempting to make too many changes at once may overwhelm and discourage you. Instead, try to set small, attainable goals to accomplish each day, week, or month. These objectives could be as minor as putting five dollars into a savings account each week or choosing to pack your lunch for work instead of eating out. By making these slight changes, you’ll develop better money-saving habits, which will pave the way for making bigger adjustments in the future.

Have someone hold you accountable

Accomplishing your goals is a lot easier when you have someone to hold you accountable when temptations arise. This person should be someone you can trust to be honest and tell you when you’re deviating from your financial goals. You could even choose someone who also wants to develop better spending habits. As budgeting buddies, you’ll be able to share tips and tricks as well as support each other when sticking to your budgets gets difficult. For example, if your buddy has to turn down an invitation to go out for drinks, consider joining them for an in-home movie night instead. When it comes to developing better financial habits, it’s helpful to have at least one friend, family member, or partner who has chosen to live the same lifestyle as you.

Pay with cash instead of credit

It may seem a little old-fashioned, but carrying cash is a great way to stick to your budget. If you’re planning on spending a day at the mall, where there are a lot of opportunities to splurge on unnecessary items, set a spending limit beforehand. Then, leave your credit card at home to ensure that you stick to the limit. By only carrying as much cash as your spending limit allows, you won’t have the option to make an impulse purchase or stray from your budget.

Avoid temptations

Impulse purchases are detrimental to any budget. Thanks to online stores, the road to developing poor spending habits is just a click away. As such, in order to develop better spending habits, you should make an effort to actively avoid temptation, whether that involves spending less time online or steering clear of shopping malls. When it comes to cutting back on unnecessary spending, 'out of sight, out of mind' is the best policy.

Focus on your long-term goals

Maintaining good spending habits is a lot easier when you have a clear vision of your long-term financial goals. Maybe you’re trying to save money so you can finally pay off your debts, kickstart your small business, or go on a big trip around the world. Whatever your ambitions are, reminding yourself of them each time you consider straying from your budget will make you less likely to make unnecessary purchases and fall back into your negative spending patterns.

Prioritize paying off loans

Debt from unpaid loans leads to additional stress and can put a strain on relationships. When you determine your monthly spending, it’s important to get in the habit of prioritizing you loan payments. In doing so, you’ll be able to get out of debt much quicker than if you continued to make the minimum monthly payments. Dedicating a large chunk of your paycheck to paying off your mortgage or title loan isn’t very enjoyable, but it’s essential to achieving financial freedom.

Wait for sales

Waiting for a sale can allow you to purchase the item you covet for a fraction of its original cost. To take full advantage of lower prices, try to keep track of when your favorite stores tend to have the best sales. For example, clothing stores typically offer huge discounts in January because they’re trying to get rid of their winter clothes to make room for their spring collections. Keeping track of these discount trends could easily save you hundreds of dollars over time. Plus, choosing to wait until there’s a sale will also prevent you from making costly impulse purchases.

Changing your lifestyle to align with your financial objectives is not easy—it will take a lot of time, energy, and commitment. However, if you stay focused on your goals and regularly make efforts to break bad spending patterns, these nine easy ways to develop better spending habits will help you along your journey to financial freedom.

How Student Loans Impact Your Credit Score
  • 4 MIN READ|
  • 0 Comments |
  • 320 |
  • by Logical Positions|
  • April 19, 2019 |
  • Loans

How student loans impact your credit score

Citation:©[Brian Jackson]/Adobe Stock

For many people, student loans are their first experience using credit. From the moment you take out a student loan, a credit file is opened in your name. This kick starts your credit history and gives you the opportunity to either build-up or tank your credit score.

When taking out a student loan, it is important to consider how it will affect your credit score in the future. Your score can determine your ability to take out loans, get lower interest rates, and obtain approval for apartments or rental houses. As such, student loans have a large impact on your life and can stick with you for a few years or decades, depending on how quickly you are able to pay them off.

It is important to note that the amount of a student loan itself doesn’t positively or negatively impact your score. How student loans impact your credit score all comes down to how you pay them off. That being said, the following factors that contribute to calculating your FICO score can all be impacted based on how manage your student loan debt.

Payment History

Payment history accounts for 35% of your FICO score. As such, it impacts your credit score more than any other factor. This is because lenders want to be sure that you are financially responsible enough to pay off potential loans in the designated timeframe.

If you make payments on time and in full, your score could actually increase as a result of taking out a student loan. Every time you make a payment for your loan, it is reported to credit bureaus which can help you build a strong payment history. This is a great way to start building credit right when you enter adulthood and will help you get additional loans later down the line—as long as you are responsible.

On the other hand, if you fail to make payments on time, your payment history could just as quickly turn against you. When you miss a payment, your lender will report the action to one or multiple credit bureaus. This will show up as a delinquency on your report. For private student loans, delinquencies can be filed just 30 days after a missed payment. If you have a federal student loan, you usually have up to 90 days before the missed payment will be documented.

While your score will not drop until the delinquency has been reported, lenders often charge a late fee as soon as the payment is missed. Even more pressing is the fact that missed payments stay on your report for up to seven years and can quickly tank your credit score. If you know you will be unable to make a payment on time, call your lender immediately so they can put your loans into deferment or forbearance. This means that a temporary pause will be placed on your monthly payments. By doing so, you do not get out of paying off a loan. However, it will protect you from getting late payments on your credit score.

Build Your Credit History

Student loans are considered an installment loan. This means that an agreement is made to repay a specific amount of money over time following a set number of scheduled payments. The amount of time in which installment loans are repaid can range from a few months to a few decades. The long repayment periods of student loans have the potential to help your score by building a long credit history.

The duration of your credit history impacts 15 percent of your credit score. The longer your positive credit history is, the higher your score will be. However, this history will only benefit you if you make your payments on time. Paying loans in full every month can show future lenders that you are financially responsible which will give your score a boost.

While building a long credit history can positively impact your score, you should not intentionally draw out how long it takes for you to repay your loans. If you have the opportunity to pay them off quicker, you should take it. The potential 15 percent benefit of increasing your credit history is not worth staying in debt for a longer period of time.

Credit Mix

Your credit mix has a much smaller impact than your payment history, but it can give your score an enhancement of up to 10 percent. Your credit mix refers to the various types of loans and lines of credit that make up your report. In addition to student loans, these accounts may include credit cards, auto registration loans, and mortgages. Adding variety to your credit mix will look favorable on your credit report. This is because people with fewer forms of credit are often viewed as “higher risk” than those who have shown their ability to manage multiple types responsibly. As such, having a student loan could slightly improve your score in the future as you take out other loans or start using a credit card. However, according to the director of public education at Experian, Rod Griffin, it is unwise to open a credit account if you do not intend to use it.

“One or two credit card accounts is sufficient,” Griffin said. “And, if you don’t have any installment credit, you may consider applying for a small loan so that you can demonstrate that you can manage it well. However, opening too many new accounts within a short period of time can be a sign of financial distress to lenders.”

While your credit mix doesn’t play a key role in determining your FICO score, it can have a significant impact when calculating the score of credit reports that don’t have much other information on them.

At the end of the day, how your student loans impact your credit score entirely depends on your own habits. To keep track of how student loans impact your credit score, you are entitled to one free credit report a year from all three of the major credit bureaus.

how student loans impact your credit score infographic

4 Common Credit Card Mistakes and How to Avoid Them
  • 4 MIN READ|
  • 0 Comment |
  • 283 |
  • by Logical Positions|
  • April 19, 2019 |
  • Credit

hand holding credit card avoiding mistakes

Getting a credit card is a huge financial responsibility. While it may not seem like much, that little piece of plastic has the potential to seriously derail your financial future.

Regularly using a credit card can have many positive benefits, such as improving your credit score and getting your better deals on loans. However, when used incorrectly, credit cards can accumulate debt that stays with you for years to come. It is important to be aware of common credit card mistakes so that you can avoid financial distress and begin building a solid credit score.

Making Minimum Monthly Payments

One of the biggest dangers of getting a credit card is that you can easily find yourself in debt if you’re not careful. An easy way to do this is by making minimum monthly payments.

While only paying the minimum on your credit card balance won’t hurt your FICO score, you could end up having to pay huge sums of money in interest. Paying two-percent interest may not seem like a lot at first, but it can quickly add up. In addition, making minimum payments will significantly increase the amount of time it takes you to pay off your credit card balance. Depending on how much debt you procure, it could take years and thousands of dollars to finally pay off your card—in addition to all the interest you would gain during that time.

Solution: You should always pay the maximum amount on your card each month. This will require you to budget and practice responsible spending habits. In doing so, you won’t ever have to worry about paying interest and will give your credit score a serious boost.

Missing Credit Card Payments

Forgetting or failing to make a credit card payment can critically harm your credit score. Since payment history makes up 35 percent of your FICO score, missing just one can cause a substantial 100-point drop. This missed payment will stay on your credit report seven years after the date of the first delinquency. In addition, you will receive a late payment charge which is likely to be higher than the minimum amount they required you to pay for that month. Depending on your payment history, late fees typically range from $25 to $38.

These repercussions will begin if one of your payments goes unpaid for 30 days. Additional consequences will occur if you ignore the payment for even longer. For example, if a late payment goes unpaid for more than 60 days, your credit card issuer may choose to increase your interest rate to the highest penalty rate. This will make it even harder to pay off your debt and decreases your chances of getting good terms on future loans and credit accounts.

Solution: To avoid these repercussions, be aware of the due date on your account statement. In addition, you should make payments as early as possible instead of waiting until the last minute when you could easily forget. To ensure that you always pay your card on time, you can set up an automatic payment through your bank. If you choose to do this, make sure that the time and date of the payment are accurate.

Prioritizing Rewards Over Interest

Attractive rewards such as large cash-back bonuses and free airline miles can be tempting, but they shouldn’t be your top priority when choosing a credit card. The most important feature to take into consideration is the card’s interest rate. While enticing rewards distract many new credit card owners, paying off high-interest rates costs much more than any cash back bonus would provide. For example, the national average APR for rewards credit cards is 17.67 percent, which is much larger than the 5 percent bonus you could receive. In addition, cards that offer the best rewards often have the highest interest rates and getting approval is much harder. As a result, they could deny your request which would put a dent in your credit score.

Solution: You should always be aware of the terms of your card so that you’re not hit with unexpected interest rates down the road. Before going to the bank, conduct research on a variety of credit card options so that you have plenty of time think through your decision and weigh the pros and cons. Make sure that you have a good understanding of how credit card interest works before you make a decision, and contact your credit card lender if you have any questions.

Applying For too Many

Every time you apply for a credit card, companies perform a hard inquiry on your credit account which causes your credit score to drop slightly. While a single inquiry will not have much of an impact on your FICO score, applying for multiple cards at a time will start to make an impact. In addition, multiple inquiries can cause lenders to get suspicious about why so many companies are looking into your credit account. As a result, they could start declining your requests, which will cause your score to drop further.

Solution: According to the spokeswoman for Money Management International, Joanne Kerstetter, you should only apply for one credit card at a time and only when necessary.

'Stop and think: do you really need another credit card?' Kerstetter said. 'The more credit cards you have, the better chance you have of getting deeper in debt.'

If you don’t have much credit experience, it is a good idea to start with only one card. This makes it easy to keep track of your payments because all your credit information will be in one place.

Avoiding these common credit card mistakes will help you stay out of debt, build your credit score, and increase your chances of getting good terms on loans.

However, if you’ve made these mistakes in the past and now find yourself unable to get a loan, Cash 1 can help. We offer several loan options, including auto registration loans in Phoenix and Las Vegas, for people who have less-than-perfect credit. Applying is quick, easy, and you can do it over the phone or online.

Are you making these common credit card mistakes?

How to Find the Best Cash Advance Loans Direct Lender
  • 4 MIN READ|
  • 0 Comment |
  • 352 |
  • by Joseph Priebe|
  • April 16, 2019 |
  • Loans

How to find the best direct lender

With thе great inсrеаѕе in the numbеr of direct lenders both online, and offline, deciding on the bеѕt саn bе a bit daunting аt times. getting quick loans frоm a direct lender iѕ оnе оf the bеѕt аnd соnvеniеnt ways that уоu саn hеlр уоurѕеlf оut of аn emergency nееd ѕuсh as an еmеrgеnсу hоuѕе rераir, mеdiсаl bill or аnу оthеr еmеrgеnсу finаnсiаl nееd. But did уоu know thаt borrowing frоm a wrong cash advance lender саn even wоrѕеn уоur finаnсiаl position? Yеѕ. And thiѕ iѕ why you ѕhоuld tаkе уоur timе tо gеt mоrе details аbоut thе lender bеfоrе уоu аррlу fоr the lоаn. 

 

Points to Consider before Applying with a Cash Advance Loans Direct Lender

About the Loan

How muсh is offered: See hоw muсh thеу offer. Cоmраniеѕ uѕuаllу ѕtаtе the minimum and mаximum lоаn amounts thеу оffеr. Lооk оut for the mаximum аmоunt offered tо firѕt timе bоrrоwеrѕ. If уоu саnnоt find this information, lооk оn thе frеԛuеntlу аѕkеd questions (FAQ) ѕесtiоn.

Cash advance lоаnѕ сhаrgеѕ: There hаѕ to bе trаnѕраrеnсу оvеr thе сhаrgеѕ аnd interest for bоrrоwing with a cash loan. Mоѕt wеbѕitеѕ wоuld hаvе fees аnd сhаrgеѕ раgе displaying thiѕ infоrmаtiоn. Also, check оut late рауmеnt fees оr default сhаrgеѕ should уоu miѕѕ a рауmеnt - this information iѕ sometimes on the FAQ.

Rерауmеnt: Mоѕt lеndеrѕ рrеfеr tо соllесt рауmеnt from a debit card. Sоmе ѕеt a direct dеbit from your ассоunt. Chесk аnd еѕtаbliѕh what means thе company will use to соllесt a рауmеnt from you.

 

Rеаd Cuѕtоmеr Rеviеwѕ

Whаt previous сliеntѕ аrе saying about a раrtiсulаr cash advances online lеndеr саn rеаllу hеlр you make a more infоrmеd decision. It iѕ frоm the рrеviоuѕ сuѕtоmеrѕ rеviеwѕ that уоu gеt to knоw thе strengths аѕ wеll аѕ the weaknesses оf the cash advance loans direct lender. A соmраnу with mоrе роѕitivе reviews iѕ mоrе likеlу tо givе you thе best ѕеrviсе.

 

Repayment Plan

Cash advance loans direct lenders offer diffеrеnt рауmеnt ѕtruсturеѕ tо thеir clients. Enquiring оn thе рауmеnt рlаn frоm the lеndеr prior tо уоur loan аррliсаtiоn can help you аvоid аnу соnfrоntаtiоn during thе рауmеnt stage. It iѕ also рrudеnt tо ask the lеndеr if there аrе аnу hiddеn сhаrgеѕ. Tо locate thе lеndеr with the bеѕt repayment рlаn, соmраrе vаriоuѕ lеndеrѕ, аѕk your friеndѕ оr ѕееk еxреrt аdviсе. But regardless оf thе рауmеnt рlаn, it iѕ very imроrtаnt tо оnlу аррlу fоr a lоаn thаt is within the limit that you will bе able to рау.

 

Lender, Broker оr Third-Party

Thiѕ is уоur starting роint. Thе cash advance lоаnѕ company or firm ѕhоuld reveal thiѕ on their 'Abоut us' раgе or ѕоmеwhеrе else оn the wеbѕitе. A gооd lеndеr ѕhоuld readily diѕрlау thе fасt thаt thеу аrе a rеgiѕtеrеd lеndеr. Rеgiѕtrаtiоn information iѕ tурiсаllу displayed in the fооtеr ѕесtiоn оf thе wеbѕitе.

 

Cuѕtоmеr Care

Chесk hоw thе рауdау lеndеr hаndlеѕ its сliеnt'ѕ complaints. A lеndеr thаt is сuѕtоmеr based is easier tо dеаl with and always has the lеаѕt numbеr оf соmрlаintѕ. This iѕ imроrtаnt аѕ it gives уоu assurances that in саѕе уоu dо nоt аgrее with сеrtаin thingѕ уоu will еаѕilу gеt clarification from the cash advance loans direct lender. Effective сuѕtоmеr саrе iѕ vеrу imроrtаnt and саn also bе idеntifiеd еаѕilу thrоugh the reviews оf the рrеviоuѕ bоrrоwеrѕ.

 

Online Prеѕеnсе

Impression: Aѕ уоu brоwѕе thrоugh a wеbѕitе whаt impression do you gather аbоut it? Dо they appear professional? Whаt image dо they portray? These аrе important ԛuеѕtiоnѕ tо аѕk of аnу cash advance lоаnѕ wеbѕitе you will dеаl with.

 

Contact dеtаilѕ: A gооd cash advance website ѕhоuld display соntасt dеtаilѕ. Idеаllу уоu wоuld wаnt to see a рhуѕiсаl аddrеѕѕ оf the rеgiѕtеrеd office alongside opening times аnd dауѕ. In аdditiоn, thеre ѕhоuld be a соntасt tеlерhоnе number and еmаil. Thiѕ infоrmаtiоn iѕ tурiсаllу found on the 'соntасt us' page.

 

Trustworthiness

Yоu саn vеrifу thе truѕtwоrthinеѕѕ оf a cash advance loans direct lender соmраnу bу rеаding thе terms аnd соnditiоnѕ. A good lеndеr should firѕt seek tо undеrѕtаnd whеthеr уоu will bе аblе tо repay thе amount of money уоu are аррlуing fоr or not. Althоugh the рrосеѕѕ involved in applying fоr a cash advance loan is uѕuаllу ѕhоrt and easy, уоu rеаllу nееd tо be skeptic whеn dеаling with a соmраnу thаt requires vеrу sketchy аnd реrѕоnаl details.

A lеndеr ѕhоuld аlѕо bе liсеnѕеd and accredited by the authority tо carry-out the business. Liсеnѕе аnd ассrеditаtiоn bу thе ѕtаtе increases the truѕtwоrthinеѕѕ оf a direct lеndеr.

Lоаn Processing Time

Hоw lоng will it take for the lender to approve any no credit check loans? A cash advance lоаn iѕ uѕuаllу mеаnt to hеlр one fund an еmеrgеnсу finаnсiаl nееd аnd should bе processed promptly. Thiѕ mеаnѕ if thе lender iѕ likely to tаkе more timе, уоu саn ѕееk аltеrnаtivе mеаnѕ. Direct lenders рrосеѕѕ cash loans within a very short timе реriоd. Therefore you should ѕеlесt one that is mоrе convenient

 

Mаnу lenders allow you to apply on the web for online loans with no credit check. While this has made the services more convenient and accessible, it has, hоwеvеr, аlѕо inсrеаѕеd the chances оf falling victim tо lоаn fraud. Tо аvоid this, always ensure that you аррlу fоr an online loan from a соmраnу that is licensed and accredited bу the department оf loan regulators. This mеаnѕ that уоu should background сhесk a cash advance loans direct lender tо ensure that уоu apply frоm a licensed and accredited lender.

Understanding Your Payday Loan Interest Rate
  • 1 MIN READ|
  • 0 Comment |
  • 398 |
  • by Joseph Priebe|
  • April 1, 2019 |
  • Loans

Learn more about payday loans interest rates

It cannot be ignored that some lenders of payday loans charge exorbitant interest rates and additional service fees for cash advances. It is true that many lenders do extend a finance charge to the borrower that can amount to an additional $15 to $30 for every $100 borrowed. However, when critics of payday loans state that a payday loan's APR (annual percentage rate) can be up to 400 percent, that can be slightly misleading.

An APR represents the total amount of interest and additional fees the loan would accrue over a period of one year if the borrower had decided to 'roll over' the loan - or extend it - 26 times (as the typical term period for a payday loan is two weeks).

Renewing a loan 26 times may seem slightly unrealistic for the average borrower. After all, payday loans are available to consumers who need it in times of an unexpected financial predicament, such as paying the costs of a medical emergency, and it's generally expected that the borrower pay it off completely before taking out another one. Some states don't even allow borrowers to roll over their loans more than once or twice, thereby preventing the possibility of a person having to pay those high APRs that critics claim each loan carries.

Before entering into any payday loan agreement, however, borrowers should take due diligence to review the exact terms and charges implicated in their contract, as there may be other hidden costs to be aware of.

Emergency Loans for Rent
  • 7 MIN READ|
  • 0 Comments |
  • 5434 |
  • by Joseph Priebe|
  • March 29, 2019 |
  • Loans

How do I get emergency loans for rent?

Paying your rent could be one of the biggest burdens when you are struggling with finances due to a variety of reasons. Whether these be losing a job, dealing with unexpected car repairs and expenses, or experiencing a significant life change. But, even when you are in a tight spot, you will still need to find a way to make your rent payments. That is where emergency loans for rent come in. If you are searching for a way to help pay rent while you are in a tough spot, this article provides information to help you find that perfect loan to fit your needs.

There are some legitimate online lenders dedicated to providing people with emergency loans for rent at competitive rates.

What Are Emergency Loans for Rent?

People, who need emergency loans for rent, usually have no time to wait to pay rent. They need money fast for rent. Otherwise, they will lose their apartments. Although there are some state government and local non-profit organizations that offer grants or rent assistance programs, it may take several days or even weeks to get a check or cash in hand. But, what if you need to know how to make money quick for rent? What do you do to make it on time?

If you need quick cash for rent, then emergency loans for rent may be the fastest option. Some online lenders specialize in emergency loans for rent. Some online lenders will accept bad credit and provide rental loans for bad credit. So, if you have a bad credit history and bad credit score, you will get money to pay rent. However, possible lending amounts differ and so do the interest rates.

So, you should check out the terms and requirements before you agree to a loan. It is important to check out reviews online of the potential lending company you are considering going for an emergency loan for rent. Traditional lending institutions will not provide these loans.

How to Get Emergency Money for Rent

The way emergency loans for rent works is the same as for other types of emergency loans bad credit online. The process of obtaining a loan for rent involves an application, approval, and a decision.

Online lenders frequently offer emergency loans for rent to people with bad credit. So if you have a poor credit history and credit score, you may still be eligible to be approved for a loan for rent. You will just need to spend a few minutes to fill out an online application form. However, remember to check out the interest rates before you apply.

Then the lender will review your application, and once you are approved for the loan, they will send you a loan offer to be accepted by you. It is important that you review the terms and conditions before you agree to the loan. If you accept it, the money will be deposited into your bank account.

Each online lender has their criteria, so you will want to find out what their requirements are. Some lenders will not offer very much money, while other lenders will offer more.

Most lenders will offer rental loans for bad credit, and usually approve a loan if your monthly income is at least $1,200. And it does not matter if your income is received from a job or federal government assistance. If you can get quick cash, it will give you a chance to pay your rent in full and on time. It is, however, important to choose a reputable online lender that offers emergency loans for rent if you need money fast for rent.

What to Know about Emergency Rental Assistance Programs

Emergency rental assistance provided by some government and local non-profit organizations is based upon need. In some cases, you won't have to pay back the money at all. They can be a good options before you apply for an emergency loan for rent from an online lender. But, what if you need money fast for rent? What do you do to make it on time? If you need cash now no job for rent, then emergency loans for rent may be the fastest option.

Do I Qualify for Emergency Rental Assistance Programs?

To be eligible for an emergency rental assistance program, you will need to meet the following:

If you have received an eviction letter, you must act quickly. If you are eligible for emergency rental assistance, it can take several days or even weeks to get a check or cash in hand. It usually comes in the form of a direct payment to your landlord.

However, if you do not qualify for any emergency rental assistance program, or if you are eligible for one, but you cannot wait several days because you need to get the money fast, perhaps it would be better to get an emergency loan for rent.

Why and When to Use Emergency Loans for Rent?

It is easy to see why thousands of consumers with bad credit continue to use online lenders when they need money for rent. Many online lenders offer emergency loans for rent to people with bad credit. While many legitimate online cash loan places usually charge higher interest fees, thousands of consumers use these emergency loans for rent offered by these online lenders. Why?

Traditional lending institutions such as financing companies and banks refuse to provide any credit to people with poor credit. If you have poor credit and need money fast for rent, a reputable online lender may be your only option. What's nice about these online lenders is that there are many people with bad credit who have no problems getting approved for emergency loans that are rejected at banks.

If you have a good credit history and credit score, you could get a loan with competitive interest rates and flexible terms from a traditional lender like a bank to pay rent. If you do not have a good credit score and you cannot secure a loan from a traditional lender, then applying for an emergency loan for rent with an online lender may be the best option for you.

While financial difficulties or significant life changes can make paying your rent a daunting task, you will still need to find a way to make your rent payments. Make sure to check out all your options before deciding to go with one, as there may be a better way to make your rent payment on time.

What to Look for When You Need Emergency Loans for Rent?

It is best to consider interest rates on loans to pay rent. Interest rates on an emergency loan for rent vary depending on the person or company providing the loan. Some online lenders offer rental loans for bad credit with high interest rates, but you can get better interest rates from other lenders even if you have poor credit. So, you should check out the terms and requirements before you agree to a loan. It is important to check out reviews online of the potential lending company you are considering going with.

However, if you do not have a good credit history and a good credit score, your interest rate is typically higher. Interest rates tend to be higher on loans provided by online lenders as they usually accept worse credit than traditional lenders such as banks.

Now that you know what to do when you need an emergency loan for rent, you will not have to worry about where you will live tomorrow. If you find yourself asking the question, 'What do I do if I need financial assistance now for rent?' Perhaps an emergency installment loan for rent is the best option for you. If you need money fast and you are confident you can afford it, then choose a reputable lender that loans money for rent payment.

List of Housing Grants by State

Alabama

HUD Alabama

Alabama Rental Assistance

 

Alaska

Alaska Fair Housing Corporation – Grants

AHFC Grants for Homeless and Supportive Housing

 

Arizona

Arizona Department of Housing Resources

 

California

CA Department of Housing and Community Development

 

Colorado

Colorado Housing Assistance Corporation

 

Connecticut

Housing Grants for Connecticut

 

Delaware

Delaware HUD

Delaware Financial Assistance & Financial Help

 

Florida

State of Florida Housing Assistance

Seminole County, FL – Housing and Financial Assistance

 

Georgia

Office of Public Housing Serving Georgia

Georgia HUD

 

Hawaii

Hawaii HUD

Children’s Advocacy Project Housing/Utility Assistance Resources

 

Idaho

Idaho Housing and Finance Association – Grant Programs

Idaho HUD

 

Illinois

Illinois Housing Development Authority – Rental Assistance

The County of DuPage, IL – Housing Assistance

 

Indiana

Indiana HUD

Indiana Housing & Community Development Authority – Rental Assistance

 

Iowa

Iowa HUD

Iowa Financial Assistance & Financial Help

 

Kansas

Kansas HUD

Kansas Financial Assistance & Financial Help

 

Kentucky

Kentucky Financial Assistance & Financial Help

Kentucky HUD

 

Louisiana

Housing Grants for Louisiana

Louisiana HUD

 

Maine

HUD Maine

The Bridging Rental Assistance Program (BRAP)

 

Maryland

Maryland HUD

Financial Assistance of Baltimore County

 

Massachusetts

MA Housing and Economic Development Housing Assistance

Housing Assistance – Cape Cod

 

Michigan

Michigan State Housing Authority

Michigan Financial Assistance & Financial Help Resources

 

Minnesota

How to Get Emergency Assistance in the Twin Cities

 

Mississippi

Mississippi Home Corporation

Rental Assistance in Mississippi - HUD

 

Missouri

Missouri HUD

Missouri’s Guide to Housing Assistance Programs PDF

 

Montana

Montana Home Investment Partnership Program

Rental Help in Montana HUD

 

Nebraska

Nebraska Department of Economic Development – Housing Programs

Nebraska HUD

 

Nevada

Nevada Housing Division Resources

Southern Nevada Regional Housing Authority – Housing Choice Voucher Program

 

New Hampshire

New Hampshire HUD

New Hampshire Emergency Assistance Funds

 

New Jersey

New Jersey HUD

Assistance for Single Mothers in New Jersey

 

New Mexico

New Mexico HUD

New Mexico Housing Assistance

 

New York

HUD Homeownership Assistance New York

NYC Department of Housing Preservation & Development – HomeFirst Program

 

North Carolina

North Caroline HUD

North Carolina Benefits

 

North Dakota

North Dakota Housing Finance Authority – Rental Assistance

ND Department of Commerce HOME program

 

Ohio

Ohio Housing Finance Agency

Ohio Housing Assistance Grant Program

 

Oklahoma

HUD Homeowner Assistance for Oklahoma

Oklahoma Community Housing Assistance

 

Oregon

Oregon Grant and Tax Credit Programs for Housing

Oregon Housing and Community Services

 

Pennsylvania

PA Housing Finance Authority

Pennsylvania HUD

 

Rhode Island

Rhode Island Housing

Rhode Island American Dream Downpayment Initiative PDF

 

South Carolina

HUD South Carolina

South Carolina Section 8

 

South Dakota

South Dakota HUD

South Dakota Low Income Housing

 

Tennessee

Tennessee Housing Development Agency

Tennessee HUD

 

Texas

TX Department of Housing and Community Affairs – Programs

Texas Department of Housing and Community Affairs

 

Utah

Utah HUD

Utah HCD Grants and Assistance

 

Vermont

Vermont HUD

Burlington, VT Buy a Home Program

 

Virginia

Virginia HUD

Virginia Housing Assistance For Veterans

 

Washington

Washington HUD

Seattle Rent Assistance

 

West Virginia

West Virginia HUD

West Virginia Financial Assistance & Financial Help

 

Wisconsin

Wisconsin Housing Assistance Programs

Milwaukee, Wisconsin Rent Assistance Agencies

 

Wyoming

Wyoming Financial Assistance & Financial

Wyoming HUD

The Bottom Line

Just because you do not have the money to pay the rent does not mean you should lose your home or apartment. There are emergency loans for rent that can be obtained quickly, and often with a simple online application. Traditional lenders will not provide these types of loans. You may also find it increasingly difficult to get a personal loan from a traditional lender if you have poor credit. So perhaps the best and only chance you have is to apply for emergency loans for rent with a reputable online lender if you need money fast for rent.

  • You must have an a median income or one that is a certain percentage of the poverty level (usually 100%)
  • You generally must be in imminent danger of eviction
  • You may have to present an eviction demand letter from your landlord

What Are Wedding Loans?
  • 2 MIN READ|
  • 0 Comment |
  • 378 |
  • by Joseph Priebe|
  • March 29, 2019 |
  • Loans

Wedding loans cover unexpected expenses on your special day

Your daughter is getting married next week, and it’s not going to be a small, intimate occasion. She’s wanted a big wedding since she was six, and every detail has been planned down to the letter. The venue, the caterer, the band for the reception, the florist, the cake… It’s been months in the planning.

You’ve gotten to know the groom, and he’s a good guy, with better prospects than you had when you were his age. You respect him, and you can see it in your daughter’s eyes when she talks about him; he’s going to take care of her, and your grandchildren. You know – you’re not entirely sure how you know, but you do know – that this will last a lifetime. And you are keenly aware of what a rarity that is these days.

While your daughter daydreams of the years to come, you secretly think of all the spoiling you will heap on your grandchildren; the thought makes you smile, almost in secret. You decide you will embark on a few projects as your grandchildren grow. There are some books you want to read to them, and others you will convince them to read on their own. You’ll keep track of their growth with permanent marker lines on the wall, right next to where you did the same thing with their mother. You will go out of your way to make the Holidays extra special, extra magical; you intend to be the most grandparent of grandparents in the history of grandparents.

You can see far into the future; the soccer games, the recitals, the birthday parties where your daughter will lightheartedly complain about how much you spoil them one year and then seriously complain about how much you spoil them the next. But think of all the memories, and of course, you intend to take picture of every moment that-

The photographer!

Frantically, you think back over the months you and your daughter spoke about all the details that needed to be taken care of and realize she never once mentioned a wedding photographer. But she couldn’t possibly have forgotten about that, could she? That’s not a minor detail for a wedding.

So you call her and you nervously ask, with the excuse that you’re just being overly cautious.

“It’s OK, Mom”, she says without a trace of worry in her voice, “We’ve got a friend helping out with that. Saves us a few bucks.”

No. You know how this will go. The pictures will be very low quality, and while she will plaster a smile on her face when she shows you the recorded events of the most important day in her life thus far, you know she’s inwardly disappointed.

“But we’re all out of money”, she protests. You can tell by the tone in her voice she’s beginning to realize you’re right. “It’s OK,” you reassure her, “We’ll take care of this.” You know you don’t have any extra money right now either, but that’s a minor detail. This is far too important to just let it go, to trust such importance in the hands of an amateur photographer.

So maybe this exact situation doesn’t happen all that often, but you get the idea. Unexpected or last-minute expenses happen on occasion, and sometimes they’re too important to pass up. That’s what CASH 1 is here for. Come see us online for Payday Loans in Nevada, and we’ll help you solve those unexpected financial problems.

13 Foods Your Fridge Shouldn't Have
  • 2 MIN READ|
  • 0 Comment |
  • 423 |
  • by Joseph Priebe|
  • March 29, 2019 |
  • Personal Finance

Learn to store your food and save money

We're guessing you've been feeding your fridge with a few foods that it shouldn't have. Sure, freezing and refrigerating certain foods will save you money, but there are some foods that are made worse by refrigeration. Here's a list of items you should keep out of your fridge.

Avocado

Putting an unripened avocado in the refrigerator may prevent it from ever ripening completely... Ever. Your avocados need to ripen fully at room temperature. Once they are ripe, they can be stored in the refrigerator for at least a week.

Bananas

our bananas will ripen at room temperature. Once they get to the right stage, however, you can put them in the refrigerator for up to two weeks. The peels will turn brown while the interior is still unspoiled.

Bread

Eat your bread within four days at room temperature and freeze the rest. Freezing preserves the texture and won't dry it out like the fridge.

Garlic

Your Garlic bulbs can keep fresh for two months without refrigeration and you'll avoid making all your other nearby produce smell like garlic. So store it loose and in your pantry.

Melon

Store slightly under-ripe melons in a pierced paper bag at room temperature for a few days. Only after you cut it up into bite-sized bits should the flesh be refrigerated.

Honey

Room temperatures can help preserve the life of honey. It has a practically indefinite shelf life. Honey is one of the world's earliest preservatives and archaeologists have uncovered edible honey inside ancient Egyptian tombs.

Hot Sauce

Vinegar-based hot sauces like Tabasco can live happily in your pantry for up to three years. Cold temperatures weaken the flavor and thickens the sauce, affecting the pour.

Oils

Nut oils, like coconut, must be refrigerated, but for other types of oil you're in the clear. Oils will become cloudy and harden when refrigerated, and while this doesn't do lasting damage, you'll need to wait for the oil to warm before it tastes right or flows properly again.

Onions

You don't have to refrigerate onions, but keep them away from potatoes. Those taters emit moisture and gases that cause onions to rot. Store you onions in their original mesh bag for proper air circulation.

Potatoes

Refrigeration causes the starch in potatoes to turn to sugar and  adversely affects their flavor and the skins will darken while cooking, causing them to look a little gross. Store your spuds in the pantry in paper bags because plastic bags trap moisture and speed up decay. Most varieties last three weeks.

Spices

Your refrigerator contains a slight humid environment which could alter the flavor of your herbs and spices. Most can be safely stored for years without refrigeration, there's no benefit to cold storage at all.

Stone Fruits (Peaches, Nectarines, Plums, Apricots, Cherries)

Ripen them at room temperature, stem-end down. When they begin softening and smelling sweet you should move them to the refrigerator.  They'll last in the fridge for three to five days, unwashed, in a plastic bag.

Tomatoes

Your maters can get mealy and mushy in the fridge. Store them at room temperature out of plastics bags and avoid direct sunlight. Also, don't feed them after midnight :)

Feel free to see our PowerPoint presentation on SlideShare.

Life's Unexpected Expenses
  • 1 MIN READ|
  • 0 Comment |
  • 333 |
  • by Joseph Priebe|
  • March 29, 2019 |
  • Loans

Payday loans can cover life's unexpected expenses

Family is one of the most important things in a person's life. Most would do anything in their power to provide for their loved ones. It's important to have a little money saved in case any emergencies come up, but it's not always possible to prepare for every eventuality. Sometimes you incur unanticipated expenses and have to find ways to cover those bills.

Whether your child has a toothache or your spouse's car has broken down, you know you need to take care of everyone because they depend on you. Unfortunately, your emergency savings account isn't enough to pay for everything. If you're living paycheck to paycheck, it may not be possible to cover new bills without being charged overdraft fees.

These charges are usually expensive and difficult to pay off later. Borrowing with a short-term loan can help you keep your head above water until you get back on your feet. CASH 1 offers installment loans with no FICO credit check for those in need, especially families who are barely making ends meet without additional expenses.

Our loans are cost-effective alternatives to bank fees and charges for when emergencies occur.

Life's unexpected expenses infographic