The answer to where to find the best
anything is usually the same: The internet. Even though you have to clock some
serious research time to find what you're looking for, the internet is bursting
with services that can help the debt-plagued consumers of the world. Cash
advance loan services have found an especially cozy home on the web. If it's an
easy payday loan you're after, there is a service on the internet that has what
you're looking for. Your particular circumstances will determine what
"easy" means to you.
Fax
If you don't have access to a fax
machine, you'll want a no fax service. Faxing things over isn't going to make
your day any easier if you don't have a fax, so this is one of the first things
to look for in an easy service.
Photo
If you don't feel like showing a
photo ID, look for a service that excludes this precursor, too.
Easy doesn't mean instant approval,
though. The services that don't require a fax or photo will probably require a
pay stub, or rely on your credit report to determine how much you're eligible
for. I once found a no-fax instant approval company and was ecstatic to think
that I might be approved for a loan without having to fax info over, when
suddenly I was asked my general credit situation. Let's put it this way: It
wasn't good.
You can see the trade-offs here. For
some people, faxing information will be a lot easier than relying on a credit
score. A solid income can offset a bad credit score or vice versa, but you're
not going to get much of anywhere without either.
Like anyone else, I'm out for a
bargain, even on the services that give me money. Before I decide on a paycheck
advance service, I make sure I'm getting a good deal. Here are a few of the
factors I check on outside the inconvenience of faxing and sharing pictures:
• Does the service offer a flat-rate
repayment plan? If not, I walk. I want to know exactly what I'll be paying back
in two weeks. Forget percentages. Just tell me a straightforward number that
takes out all guesswork.
• Does the service offer direct deposit? I want to know that my money is going to be there quickly.
• Same day loan processing is a nice plus.
• If my credit has taken a beating lately, I always look for a service that doesn't have a credit check. If your credit is shameful, hide it.
• Does the service offer direct deposit? I want to know that my money is going to be there quickly.
• Same day loan processing is a nice plus.
• If my credit has taken a beating lately, I always look for a service that doesn't have a credit check. If your credit is shameful, hide it.
The best place to find a deal is on
the internet. In general, the internet will give you greater flexibility in
choosing the terms of your loan.
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