Category: Loans

Fast Cash Helps To Tide Consumers Over

Sometimes, speed is everything with loans. It’s one of the major factors that makes consumers decide in favour of unsecured loans, rather than the more conventional type of secured loan offered by a bank or building society. When you need quick cash, a complicated contract and months of credit checks, value assessments, and negotiations can be counter-productive. Many Brits are faced each month with a gap between the day their rent, bills or loan payments are due, and the day that their salaries come in. When this is the case, a little fast cash on the right day can prevent disaster. So every month, some consumers are looking for cheap loans which don’t take too long to arrange.

Time scale is a problem for those who prefer to use conventional, secured loans such as mortgages or bank loans. The reason? Collateral. A ‘secured’ loan means the pledging of high value property – usually the borrower’s home – which will become the property of the bank or other lender if repayments of the loan aren’t made on the timescale agreed. A secured loan is usually designed to be repaid over a long period of time – years or decades – and means that if one of the payments isn’t made, the property can be repossessed: this is how the lender can afford to pay out large sums.

When making a secured loan with property as the collateral, the lender has to determine how much the property is worth before deciding how much money to lend (so that they know how much they could potentially gain in the event of non-repayment). This means working with estate agents, lawyers and finance experts before a loan can be approved on. And when you need quick cash to pay off a pressing bill, this kind of loan will simply take too long to arrange.

For those who need quick cash, unsecured loans are the most common solution. Unsecured loans can sometimes be made on the same day that they’re asked for, and will rarely take more than a week or two to arrange. This is because there’s no collateral, or property at stake – instead, the lender makes money by charging a high rate of interest (which could be any amount from relatively cheap loans at 7% up to 50 or even 100% from some companies.) The borrower gets fast cash – and on payday, should repay the cash as fast as possible, to prevent too much interest mounting up.

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

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Get a cash advance straightaway

Sometimes the wish for a little bit of money to tide one over until the next pay cheque becomes more than just a matter of convenience, and an absolute necessity. There could be many reasons for this, such as sudden, unforeseen, but vitally important purchases needing to be made. In such a situation a cash advance before the arrival of your next pay cheque can be very useful. Loan sharks are, of course, to be avoided, but a short term loan from a reputable business does have advantages. One the biggest benefits is that many of these loan companies provide instant loan approval, meaning that if your need for a loan is very urgent you will very swiftly get a decision regarding your application.

If you need to borrow money often in order to manage your finances each month then a loan for a short period is probably not the best solution for you. There are numerous other solutions you could try in that case, ranging from a full reassessment of your financial situation to a longer term loan for a larger amount, which might have a lower rate of interest.

Short term loans can also be very useful if you have a poor credit rating, because companies frequently decide not to check your credit rating before making a decision on whether or not to lend to you. They will ask for certain personal information such as the details of your bank account and your home address, but the first time you use them they will only lend you a small amount of money, so they do not usually check your credit rating. It is extremely important to remember, however, that if you do not repay the total you owe (including interest) within the agreed time frame your credit rating will be damaged for the future, even if you have only borrowed a very small amount of money.

The instant loan approval that these short term loan firms provide is very useful because it is more than likely that you need the loan because of an urgent problem. Taking a cash advance to tide you over until funds are available to you can help occasionally, but you should always be aware of your obligations to repay the money. Debt is to be avoided as much as possible, but if, say, you are unable or unwilling to borrow from friends and family, or if the interest you will pay on a short term loan is less than the amount you will be required to pay elsewhere, then such a loan may prove useful.

Please visit http://www.cashgenieloans.co.uk/ for further information about this topic.

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Cash Genie is the place to go if you need short-term loans

Why do companies keep a blog? One clear reason is to keep visitors to their website updated with the hottest company news, events and special offers.

But a blog doesn’t necessarily only cover company news. In fact it’s usually considered good practice to incorporate several general posts as well as specific ones in order to supply variety for the readers. The Cash Genie blog is no exception. In fact it is a whizz at providing interesting information, not only  about the company, but about general financial themes as well.

Cash Genie provides short-term loans; otherwise called pay-day loans. Loans range from £75 – £750 and they can be sent to a customer’s bank account on the same day as the application is filed. Customers’ then have until their next wage to settle the loan with interest.

As you would therefore imagine the blog posts are money orientated. One of the latest general posts, for example, offered advice on the top five ways to save and pay for your summer break. In these days of economic hardship, that’s a matter that will interest everybody!

Other posts specially dealing with Cash Genie’s business have examined the differences between lenders and brokers, the businesses’ refer a friend program and a new affiliate program they recently joined.

In March this year Cash Genie began a text service so that customers could SMS the company with any questions they might have regarding their loan application. And of course they thought that the best way of letting clients know about the new service was to post a blog.

Blogs also provide a great way for readers to interact with a business. The popular blogs, including the Cash Genie blog, permit readers to post comments and these provide the business with a good idea of the thoughts of the reader. Sometimes comments may be refused by the moderator if they are considered to be insulting or irrelevant to the topic.

If you’re interested in having a short-term loan, or just want some financial tips, you really should check out all of the great advice given on the Cash Genie blog.

Please click http://www.cashgenieblog.co.uk/ for further information about this topic.

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Cash Genie guide to making the most of your money

Cash Genie encourages responsible borrowing and responsible lending. Before you borrow money, it is always a reasonable idea to evaluate your other options. With this in mind we have some common-sense, Cash Genie money-saving suggestions for you! Even if you do need a loan, these are some nice ideas to get around having to get one in the future!

1. Get value for money.

As well as shopping around for the best deals available for what you need, it is easy to ignore the fact that many of us don’t make the effort to complain when we don’t get what we paid for, or when what we paid for is not good enough. Take the time to get what you paid for, especially if your purchased items came from a big chain store: they would rather keep you satisfied in stead of squabbling over these things. And if you don’t do this, you’d be surprised at the amount of money, over time, that you would actually be giving to these giant companies!

2. Keep track of your finances.

This can be a nuisance, but, if you take the time to keep track of everything you spend (for a trial period at least), you might be surprised at what you truly spend your money on! This is a great way to recognise your own personal spending patterns and it will give you ideas on how to cut down on unnecessary costs. Use a computer to do this; with a spreadsheet, it is easy to keep a precise record of your expenditure with minimal time and effort.

3. Shop wisely!

When you do your food shopping, it is all too easy to just absent-mindedly float in to the supermarket and buy whatever seems appealing at the time. If, however, you plan ahead and make a shopping list, not only do you know how much you can expect to spend (thus avoiding any unpleasant surprises!) but you will also be able to shop more accurately. So, instead of going every other day after work, you could be going just once a week. If you have young kids, it might be an idea to go shopping without them! It might sound stingy, but when they see all of those tempting snacks it can be easy to cave in, whereas if you bring them home a small surprise, you will save money and they will probably appreciate it even more!

There you have it. Follow these Cash Genie tips and you will notice the savings!

Please click http://www.cashgenie.co.uk/ for further information about this topic.

http://www.cashgenie.co.uk/