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The Loan Process
So how does it work?
Simple, you fill out one simple, short loan form and your information is sent to the lender network for approval. If approved, one lender will provide you with information on the loan terms that you qualify for. Generally, you will be taken to the lender website where you can review the terms. Be sure to take the time to thoroughly read the offer. If you do not understand something, ask for lender clarification before proceeding.
If you like the terms, simply sign the loan contract online and your money will be sent to you as fast as the next business day.
Online loan quotes are simply the fastest ways to get an approval for the cash that you need. Just a few minutes filling out a quote form and you may have the answer to your problem.
Why $300 Loans?
If you need 300 dollars now, there are a number of reasons to do everything online. Here are a few top reasons why people tend to apply for a loan online with this network of lenders.
- They fund fast.
Get a quote now and get your money quickly deposited directly into your checking account as soon as tomorrow or the next business day in some cases. Your lender may be able to get you your money as soon as the next business day.
- You get a decision quickly.
When you get a quote for one of these loans, you will typically know quickly whether you are approved for $300 or more. No waiting and wondering, most companies will give you an answer in minutes.
- They are convenient.
You can apply for a loan online from the comfort of your home. If approved and if you accept the loan, your money will go straight into your checking account.
- No embarrassment.
Nobody needs to know that you needed money and had to apply for a loan. You can do everything from the privacy of your home.
- Very Little Documentation
In most cases, your lender will require no or very limited documentation. This means that you do not have to spend hours scanning documents and emailing or faxing. If they want anything from you, it will probably be a quick phone call to simply confirm the details of your 300 dollar loan.
- Payday & Installments Available
Depending on your credit and requirements, you might qualify for a payday loan or an installment loan. With payday loans, you would pay the entire loan back on your next payday. With an installment loan, the payments would be broken up over a number of periods until you pay the full loan back.
- You Can Do It All Online
Convenience is key when you need money. This is why it is great that you can get your loan completely online. Fast, convenient and safe.
- You Get Cash Directly Deposited
If you get an offer for $300 and you accept it, your lender will deposit money directly into your bank account. This can happen as soon as the next business day.
Possible Loan Sources
There may be other ways to get a loan besides working with a lender. Here are the top alternatives.
An Employer Advance
Many employers will be willing to front you money from your next paycheck. They give you an advance and then simply take the money out of your next check. It is simple and risk free for them, after all, it is money that you have already earned.
You are walking a tightrope when mixing money and friends, but if you are careful, you can pull it off. Just be sure to get everything in writing and take the loan seriously. Pay the 300 dollars back to your friend just as soon as possible.
This is an easy loan to get qualified for because it is secured. You place your car title down as collateral as part of the loan process which comes with risks. If you default, your lender could take your vehicle, so be careful.
Pawn shops have been a source of emergency cash for decades. Simply bring an item of value in and get a loan against its value. There will still be fees and/or interest though, so be sure to read all of the loan details.
Apps like Earning promise to let you borrow cash for free, in many cases at least. There are some hoops to jump through and some catches. Many apps request you to “tip” when you pay back the loan. Be careful, because the tips, if calculated as an APR can rival that of a payday loan.
Other Sources Of Money
Sell some things on eBay and you may be able to come up with money in no time. One tip, when listing an item, use the BUY NOW option which will allow the person to buy and pay for the item immediately. This will be quicker for you than waiting for a 7 or 10 day auction to end.
That is what family is for. Don’t be afraid to ask your family for a little help. It could be a loan or they might simply be willing to give you some cash with no strings attached.
Have some high ticket items to sell locally. A TV or gaming system might just fetch 300 dollars. Be cautious of scams on Craigslist and if you do sell an item locally be sure to meet in a safe and secure location during daylight hours. Only accept cash.
- Spare Change
You might be surprised at just how much spare change you have in your couch cushions or vehicle ashtray. Scoop it all up and take it to a coin counter like Coinstar. It might not give you the enter $300 that you need but it could get you part of the way.
Odd Ways To Get Money
There are ways to get money that you have probably not thought about. Let’s take a look at a few.
Not all ways of earning $300 have to be normal. There are some fairly out of the box ideas that can earn you that amount of money or more.
- Donating Plasma
Plasma is in high demand. It is used to make life savings products and a lot of it is needed. Earn anywhere from $200 to $400 a month donating your plasma. You can donate more often with plasma because they return your red blood cells to you during the donation process. This means less of the lightheadedness that you might get from blood donation.
- Side Hustles
Everyone should have a little side gig. Advertise what you are good at on Craigslist. Cut lawns, walk a dog or even clean a house or two. Easy ways to make money and business that will be repeat.
- Metal Recycling
No, not aluminum cans, although they do sell. Think bigger like copper and stainless steel. This is scrap that people throw to the curb or in the garbage. Collect it and make hundreds of dollars.
- Stocking Shelves
Both Walmart and Target have drastically raised their minimum wages. Perhaps working a few hours a week can get you the money you need. Because these retailers are open long hours, work can fit any schedule.
More On Cash Loans
If a cash or installment loan is what you ultimately decide on, here are some more things to know. Things that you should consider before making your final decision.
How Much Will A Loan Cost?
This will vary depending on the type of loan you take. Payday loans or cash advance loans will have higher effective interest rates than online installment loans but you will pay interest longer with an installment loan. In any case, you should look at the total cost of your financing which will be provided by your lender.
We ourselves are not direct lenders. We provide you access to a large network of lenders. If accepted, your lender will contact you with all of the information that you need to make a decision. If you do not understand something, be sure to contact your direct lender for clarification. Never sign a loan contract if you are unsure about the fees, terms and due dates.
Don’t Believe In “No Credit Check Loans”
Most lenders will require some sort of credit check. You might have heard of “no credit check loans” but they really do not exist. Who is going to loan someone money without at least some sort of credit check.
What is more likely is an alternative credit check rather than a 300 dolalr”no credit check loan”. Many creditors will use alternative credit verification instead of the normal three big bureaus that the major banks use.
This means that they will often look past things that other lenders might deny you for. So, even with bad credit, a loan might be an option for you.
Emergency Loan Tips
Taking out a loan is a serious matter. Here are things that you should consider before signing that contract. Being an educated consumer can help you make the right decisions.
- How much do you need right now?
You may qualify for more money but if you only need $300, just take that much. The more you borrow, the more you need to pay back and the more your fees will be.
- Are you having a short term emergency?
Loans such as payday loans are meant to be repaid quickly, within a few weeks in most cases. This means that they should not be used to meet long term financial needs.
- Do you have alternative money sources?
Have you exhausted other loan sources like friends and family? These may be embarrassing choices, but they are free and you could get the money fast, right now even. Just be careful to repay the loan as soon as you can and do not make any unnecessary purchases until the loan is repaid.
- Can you cut expenses instead?
Maybe you can do without fast food or dinners out. Bring your lunch instead. Do you have cable or satellite? You may be able to place your account on hold. Contact your creditors and see if you can pay interest only or even defer a payment.
- Do you absolutely need the money?
Sometimes, you might consider something an immediate need when it really isn’t. Consider what would happen if you could not get the money for the expense you are trying to pay. Would the world come to an end? If you could do without, it would be best to do so.
- Is the cost of the loan worth it?
Your Loan will come with fees. Before you accept it, compare the cost of the fees versus the cost of not getting the loan. Would it be cheaper to pay a lat fee instead, for example.
- Can you pay back the money?
Never take money if you do not have a plan as to how to pay it back. All that does is delay your problem and make it worse.
Representative APR & Loan Cost Examples
Curious to know what your loan costs might be? Here are a few examples of possible rates and fees. Your loan details will of course vary and will be set by your lender.
The following rates are for informational purposes only and do not reflect the rate that you may be offered by your lender or lending partner for your loan.
Purchase Example: $300 Payday Loan
Purchase Price: $300
Period: 2 weeks
Total Payments: $345
Period: 2 weeks
Total Payments: $360
As you can see, the APR on payday loans can be quite high. Because of this, you should only take out as much as you absolutely need and no more.