At some point we all face unexpected expenses. You may need to pay for books for college because you’re your financial aid has not come through. Maybe you had an unexpected medical expense that your insurance is not willing to pay. Your credit is not good, so going to a bank or a lending company is out of the question as you know they are not going to approve a loan for you. However, you need cash and you need it quickly. You can get bad credit loans.
One way to get the cash you need quickly for those unexpected expenses is through collateral loans. You receive cash in exchange for giving the lender something of value. Pawn shops provide collateral loans all the time, holding your property in exchange for cash they give you. When you repay them in the time they allow, you get your property back.
Another form of collateral loan is a title loan. Unlike pawn shops, when you receive a collateral loan from a title loan company, you get to keep your car. The lender just holds the title until the loan is paid in full, much like a regular bank or finance company does when you purchase a vehicle. If you have a free and clear car title, you may qualify for up to $2,500 in cash just by stopping in and providing some information. Approvals are fast (few hours or less) and you get to drive away in your car with cash in hand.
If you are strapped for cash or are facing unexpected expenses, visit any of our TFC Title Loans locations today to learn how a title loan can help.
If you are like the majority of Americans, there is a slim chance that you will have enough saving to cover for an emergency; majorities of Americans depend on their budget to see them through the month, paying their regular bills and hoping that nothing goes wrong. As far as I am concerned, America still remains the most blessed country in the world, in all ramifications, America remains a great nation to nations. Many nations seek refuge in America and is an abode to many foreigners. Unemployment is irrelevant in America yet, American still aren’t saving much. Different reports have proved this to be a dominant condition in the country, it was recorded that 30% of Americans don’t have a savings account at all, nearly three-quarters of Americans have less than $1,000 saved.
Bankrate.com reported that only 16 percent of survey respondents saved up to expert generally recommendation which is 15 percent of annual income. A quarter of their respondents saving between 6 and 10 percent of their income and about 21 percent say they manage to save up to 5 percent or less. There is no any evidence better than these to prove that majorities of these people are setting themselves up to fall short in retirement.
Retirement may be something to come in many years’ time but how do you deal with emergency situations that may transpire anytime? Whether it’s an unexpected medical bill, damage done to your roof or home, broken car, being laid off from work, water heater, or an unplanned but important trip, emergencies happen to everyone. So how do you cope with this situation? Even if you belong to the category that saves little, will that be enough to cover your emergency bill? If you are laid off from work, how long can your saving serve you? Obviously, there may be a need to find means of generating fast extra cash to maintain a healthy living. There are many ways to achieve this but we will like to point out few ways to get quick cash if you ever find yourself in a bind:
There are arrays of opportunities on the internet, but I will limit myself to two which I believe they are achievable and are capable of providing you the extra cash you need to maintain yourself.
When most of us see the advice to sell old books, toys, clothing, or other items we could do without, we probably think of yard sales, Craigslist, or pawnshops. But there’s an even easier way to sell your items these days: online. From Amazon to eBay, there are plenty of ways to promote your sales to potential buyers around the world. Not only does this make it easy to quickly sell a few things, but it also allows you to access a far larger buying force than you could get just having a yard sale.
If you have old textbooks from college, collectibles that you’ve kept in great shape, or specialty supplies for a craft or hobby that you don’t have time to use, you can set up a shop on Amazon or eBay within just a few minutes. And with a few extra hours and a little bit of creativity, you can turn your Internet sales into a full-fledged business so that you can keep the extra cash flowing all year long.
If you can sew, know fancy calligraphy, or have the ability to create craft patterns or graphic designs, consider selling handmade goods through websites like Etsy (or even try Amazon’s new handmade market). These websites make it easy to run a side business year-round, letting you stock items when you have them, and keep your store on vacation when life gets busy. Popular items to sell on these websites include jewelry, stuffed toys, art pieces, handmade tools, and even custom-made clothing.
Freelancing is another way to empower yourself and gain extra cash in your pocket. You don’t have to quit your pay job, freelancing can be a side business, it comes with an immense freedom to work at your convenient time or even free period, not just anytime but anywhere as long as you have your laptop. Good for you, a laptop can be easily mobile; this implies that you can walk around with your extra office. What is important is that you deliver a job well done and on time. You can choose your area of interest, you have the opportunity to work as a freelancer doing what you love in many global markets. You can choose the type of work based on what interests and benefits them best.
People make thousands of dollars every month working as a freelancer without quitting their job; almost everything you are good at can offer you extra cash online, as a graphic artist, you can design logos, business card, and so many things. It so lucrative that many people will even pay you to just remove a background from the back of their picture. Writing is part of what you can do as a freelancer; in short, almost everything can fetch you extra cash, some freelancer only offers professional advice. Few websites where you can register yourself to enjoy this benefit include but not limited to Fiverr.com, Topcoder.com, upwork.com, boontech.ai, 99design.com, TopTal, Peopperhour.com ifreelance.
BECOME A DRIVER
With the rise of Uber and Lyft has come a whole new way for anyone to grab some extra cash whenever they need it. Drivers in California can make a lot of money with just a few quick requirements. You’ll have to get your TLC license, which usually requires a quick one-day defensive driving course, and you’ll need to be sure your car meets the standards of the ridesharing company (many offer car rentals if yours doesn’t).
If you don’t mind spending a lot of time in the car and know your way around town, you can easily make driving for Uber your second job. Because Uber, Lyft, and other ridesharing companies do most of their services through smartphone apps, it’s easy to find all the information you need, and learn more about the requirements for becoming a driver.
You do not need to quit your current job, working as a taxi driver can be your side job.
TAKE A HARD LOOK AT YOUR BILLS
For many Americans, the only reliable way to make extra money is to reduce monthly spending. Unfortunately, this may mean cutting back on things that you truly need, and learning to do without. For example, most people need cell phones these days in order to stay in touch with work, school, or to be able to contact family in an emergency. But you can do all of that with a basic “dumb phone” that doesn’t have data or any other special plans. Cutting back your cell phone to a simple call and text messaging plan can help reduce your monthly bills by hundreds of dollars in some cases.
The same is true for any subscriptions you may have to Netflix, cable, or book services. The library is your new best friend for entertainment until your finances even out again. If you’ve lived in your home for more than a year, call the utility company and ask if you can be put on a level billing system; this may help you shave a few dollars off your monthly bill. If you live close to a library or public location with free Wi-Fi that you can visit, consider temporarily shutting off your Internet service until you can get your finances back on track.
Finally, check out any insurance policies you have, for your vehicle, medical insurance, or for your home. If you are paying for more coverage, now may be a good time to cut your policies down to the minimum, and use the extra money to cover your financial emergency. You can always increase them again later when things aren’t as tight.
CONSIDER AN AUTO TITLE LOAN
If you own your own vehicle and have a valid driver’s license, you could get the cash you need in just a day by visiting an auto title lender near you. Car Title Loans are short-term loans that don’t require the borrower to have good credit or good borrowing history; in many cases, borrowers don’t even have to prove that they have income, meaning Car Title Loans can be used during times of unemployment while you search for a new job.
In order to apply for a title loan, borrowers put up their vehicle title as collateral. But don’t worry! You get to keep your car and use it however you like, during the entire time you have the loan. The only time that your car could be in trouble is if you default on the payments – and even then, most auto title lenders would prefer to work with you on payments, rather than repossessing your car.
If you need money right away for an emergency, but you don’t have time to take a second job, an auto title loan could be a good way to cover the cost of a major emergency. You can often borrower larger amounts, against the value of your car, so title loans make for great solutions when a small loan from friends or family just won’t cut it. And title loans are fast, as well. You can often apply, get approved, and receive your funds all in one day with your auto title lender near you.
One good thing about car title loan is that the majority of the requirements are what you have as a resident of a particular location. If you are laid off from work and you have a very good expensive car, you can borrow a substantial amount against it title to start a small scale business.
If you find yourself in a bind and you consider a car title loan as a perfect option for you, we will help you.
WHO WE ARE
We are your number one-stop loans source; we are close to you as our offices are located in almost every corner of the United State. We offer the best loan that fits your financial situation; we put into consideration your source of income before we make any loan recommendation so that we don’t end up putting you in a situation where you lose your collateral. We offer sufficient cash through our pink slip loan to meet all kinds of need; our customers do not struggle to repay their loan as our repayment term is flexible and there are no hidden fees. Majority of our customers repay their loan in their next payday with low interest since they know how much they need to repay and when it needs to be paid. We have been in existence since 1994 and thousands of people have been saved through our loan program.