Tag Archives: cash advances

Young Generation’s Buying Power – Credit Cards and Cash Advances

Posted on February 15, 2013 by Kristy Lamar

Will young people be the next generation to depend upon cash advances to help cover monthly bills? According to CNW Marketing Research, they are watching a change in how young adults are spending their money. A drop in new home and car purchases impacts the overall economy. If these young people are not spending on what was once typical purchases, then what are they consuming? Technology is the latest craze which shows young adults spending large portions of their income. Just in the last few years, we have all watched the influx … Continue reading →

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A Cash Advance Can Help After Bankruptcy, But It Won’t Rebuild Credit

Posted on February 14, 2013 by Kristy Lamar

When you are trying to recover from bankruptcy, a cash advance is still an available option. Those short-term – no credit bureau check loans are not interested in what the credit bureau reports. Don’t fret; credit recovery also consists of other options. What can you do to rebuild credit besides a cash advance or payday loan? For starters, neither of these loans will rebuild your credit. Only debt which is reported to the credit bureau will be used to help rebuild credit. The only time one of these short-term loans gets reported to the bureaus is after it has … Continue reading →

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Could A Secured Loan Help Relieve Cash Advance and Credit Card Debt?

Posted on February 13, 2013 by Kristy Lamar

Would you risk your home or car for your cash advance or credit card debt? People who look to secured loans in order to payoff unsecured debt are doing just that. The fear of having credit scores lowered has created more debt problems. As often as these choices do work for some people, we all need to keep in mind the possibility of losing property and still have credit tarnished with negatives. Moving cash advance and credit card debt Take a look at one scenario which transformed unsecured debt into secured and all … Continue reading →

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Treating Cash Advances As Revolving Credit Is Harmful To Budgets

Posted on February 13, 2013 by Kristy Lamar

Can cash advances be considered a form of credit? These short-term loans are not credit as in there is no revolving account. What they offer is fast cash based on a signed contract in order to pay the loan in full just a few short weeks later. What are some differences and similarities between credit and short-term loans? Cash advances are onetime loan transactions. When a person applies to a direct lender, the application is for a one-time money transfer. Once approved, the cash goes directly the person’s bank account to be spent however. The loan … Continue reading →

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Can You Negotiate Cash Advances, Credit Card or Utility Debt?

Posted on February 12, 2013 by Kristy Lamar

Are you looking to negotiate your cash advance or credit card debt? You don’t have to sign up to pay another company to do it for you. A creditor or lender will most often prefer to deal with the person one-on-one rather than discuss the case through a third party. Save some cash and work through your debt yourself. A cash advance lender will listen. Since short-term loan debt is not revolving debt, there is a small window of negotiations available. Before any lender will work with you, you will need to give a … Continue reading →

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What Is In A Cash Advance and Payday Loan Name?

Posted on February 12, 2013 by Kristy Lamar

No matter what you want to call the short-term loan, a cash advance is still going to be the same. Some businesses have taken the creative route in order to stand out as different in an industry which has had less than positive press news. Cash advances and payday loans are what they are no matter what you call them. I saw a press release about a new company offering something different. It was advertising their no fax pay day loans. I read through the article and wondered what was so different? … Continue reading →

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Does Lying On A Cash Advance Application Fix Your Finances?

Posted on February 11, 2013 by Kristy Lamar

Have you ever lied on an application? Maybe you added to your income to let a creditor know you could afford the new card. Maybe you told a cash advance company about your employer but left off the part about being fired. Were you approved? How did this new credit affect your other finances? What would you do in order to get a cash advance? There are some interesting lengths a customer will go to in order to get approved for a cash advance online. Since everything must be done over the phone or through email, … Continue reading →

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Foreclosures and Short-Sales Put Credit At Risk Save Cash Advances

Posted on February 9, 2013 by Kristy Lamar

Credit scores are calculated by secret algorithms mixed with all the complexities of managing money which makes the final score a challenge to fully understand. Once there are problems reported to credit bureaus getting help becomes a challenge. Short -term loans like cash advances are an exception to this since there is no credit bureau check to determine loan approval status. When it comes to settling debt, there are many misconceived notions especially when it comes to settling debt. Offers from debt settlement companies broadcast heir services over the airwaves hoping to … Continue reading →

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Once Your Cash Advance Has Been Paid, There Is No Room For Complacency

Posted on February 9, 2013 by Kristy Lamar

Well-earned complacency should have a short life span when it comes to finances. Maybe you paid off your cash advance on time and are feeling good. Maybe you finished paying off your car loan and now relish in the few hundred extra you have in the bank each month. Don’t let your self-satisfaction turn into financial smugness, because you just never know what may be lurking around the bend. You paid your cash advance on time? Great job! Paying those short-term loans off is something to be proud of. Not only did you take … Continue reading →

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Online and Bank Cash Advance Lending Legislation Begins With A Bill

Posted on February 8, 2013 by Kristy Lamar

New legislation is on the horizon for online and bank offered payday loans, cash advances. A new bill has been introduced as a much needed response to Native American Tribes and bank short-term loans which are presently not required to follow state short-term loan regulations. Responsible online cash advance lenders follow state regulations. Aggressive predatory lending and collection practices have been and continue to be a driving force in regulating cash advance lenders. Some states have banned the lending practices all together while others have capped fees and loan amounts in order … Continue reading →