How to get a payday loan without taking a day!
Now to all of my friends out there who are over a barrel, i.e. your car blew up, you need to keep the lights on, or you have about 17 bucks in your account until say the end of the month, maybe it is time you considered a small loan. I recommend Capital City Loans, and LoanShop.com. These were the two today that said yes to me after I pounded away at my laptop. Now it is a tedious process, I will be perfectly candid here. A few lessons I learned: One, if you are new at a job, and during the first payday you were paid via a pay check, not direct deposit, then call your job, get their HR to verify for you that you are employed, and will be receiving a pay check on the next pay day. I also lost two other loans I would have had today if I had done what I just indicated.
Now I know that there rates are sky high, these overnight payday loan lenders. In some states, like I think NC, FL, and many others do not allow for most of these companies to be used. Another variable to look out for during this process is these sites have more pop ups than MLB (Major League Baseball). Ensure you delete your history after you are done browsing these sites. It is risky put yourself out there I know. But I did not have a choice. It was starve or get the loan. Although I should have said more "Hail Marys" than a nun at a convent. Again persistence in anything is bound to have a result!
Most of these companies will call you about a minute after you hit the submit button; here you will electronically sign your life away. For example, for a $300.00, I believe I will have to pay 481.00 by the first to avoid stiff penlites or further installments. Another negative aspect of this process is the telemarketers are like fish out there, and once your info is on the ‘net, they start calling with all these promises about home businesses and magazines. Just do not answer the phone unless you feel you have to do so during a 48 hour period after going on line. Look this prospect is better than giving your car title over to some shark in a green building who has more nose hairs than a geriatric ward, wears an Hawaiian Shirt, and goes by the name of "Tony" or "Al." You get the picture. I thought I was in an out take of The Sampinos (or whatever that show on HBO was) the other day when I went into this "Title Loan" place and panicked. I was looking for my piece (weapon) but I do not carry one. I mean I always have to hit restart on games like "Splinter Cell" anyway.
So if you want to avoid loosing your car, then lose your shirt and start searching on line. But again I was happy with Loanshop.com. One piece of advice, and I cannot stress this enough, if they have you sign a form for $500.00 than they should not be allowed to renig because your new employer was too lazy to put in your ID number via payroll for the next pay period. This guy today tells me "Well Sir this (your new job not having you listed on the banks direct deposit) will affect the amount we give you." He sounded like James Earl Jones, Dearth Vadar anyone. So stick to what you signed on for.
Although this, signing up for a loan, might subsidize bad habits, and bad budgeting. So do not allow your habits to supercede your necessities, food, water, gas, etc. It has been since January since I had to deal with these loan sharks. Another point, after you pay them the first time, make it in full, and then pay the 8 bucks or so to put a stop payment on any further payments they might try to take from you. This goes for those schemes you hear all of the time "Your money back, if you are not completely satisfied." This is part of the reason why I refuse to bank with the one that ends with America. Hell, I believe they charge 30 bucks if you order a stop payment. Credit Unions are the way to go. Another piece of financial advice, never get a loan with the following company. For me to tell you who this is, I think you are going to have to contact, stalk or follow me here. This company almost merged with another bank a few months ago. Okay that is all of the hints you are going to receive from moi!
Well I don’t care if you like it or not, but I pray for us all during this turbulent period. With outsourcing being the new trend, it is a scary time. Diversify and invest in European Futures, Technologies, and Chinese Companies like BAW and Chyler. Best wishes and Godspeed.
This is Cole Bolchoz signing out!
