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What Happens Next
Loans can be confusing but we try to make everything as easy as possible. It all starts with the simple loan quote form at the top of the page. All it requires is some basic information to get a quote. If you have ever filled out endless form after form to get a loan, you will quickly see how easy it is.
Start by selecting how much you need. In your case, you need 30000 dollars right now. Next, enter some basic contact information, some information about your income and your bank. Your bank information will be used by your lender to send you money directly.
Once you get everything entered, hit submit and your quote request is off to the lender network. At Loan Monkey, we are not direct lenders. Instead, we give you access to a huge network of online lenders. This makes it easier for you to get an offer on a long term loan, even if you have bad to fair credit.
Your information is securely sent from lender to lender until one is found that wants to make you an offer. If approved, you will be sent the loan information or directed to a website where you can review the offer.
Take the time to thoroughly examine the offer so that you know what the total cost of the credit is and if you can actually afford the loan. Hopefully you have a budget on paper already. Fit the installment payment into the budget and make sure that it is something that you will be comfortable with.
If you decide to accept the loan, your lender will get everything wrapped up ASAP so that you can get the money that you need quickly. Many times, you can handle everything online but your particular lender may need more information or additional paperwork to get you 30000 dollars. It is a high dollar amount after all.
Once you have your money, you can use it for whatever purpose you need. Many people use $30000 loans to consolidate debt, make vehicle purchases, make home repairs or to start a new business. Some people even take out loans like this to buy an engagement ring, albeit an expensive one.
Now, all that is left is to begin repaying the loan. Be sure to note when the payment will be taken out or when you need to make the payment.
Paying For Your Loan
Paying your bills on time is the key to having good credit. You should have already inserted your $30000 loan payment into your budget to make sure that it fits but it still might put a strain on your budget. If so, here are some ways to bring in a little extra money each month. It could make the burden of a loan payment much less taxing.
Recycle Your Way To A Monthly Payment
This is one of those odd little jobs that many people do not think about.
Metal recycling is a huge deal and it can bring you in hundreds of dollars a month. Don’t worry, I am not going to have you on the side of the road picking up aluminum cans. Aluminum cans can surely be recycled but let’t think bigger.
Scrap metal such as tin, copper and stainless steel is in high demand and people just throw it away every day. If you have a pickup truck or a trailer, take a drive through a neighborhood on trash day. Chances are good that you will spot piles waiting for the trash man that contain recyclable scrap metal.
All that you have to do is pick it up and take it to a recycler where you will get paid by the pound for it. Then, just put that money towards your $30,000 debt.
Part Time Work
Part time jobs are even more convenient today than they have ever been. With many stores open long hours or even 24 hours, you can easily find a shift that will fit your schedule.
In addition, starting wages have never been higher. Low employment means that employers are fighting hard to lure in talent. Target, for example just recently raised their starting wage to $13 an hour while Amazon raised it to $15 an hour. At that age, you can put a significant dent in that 30000 dollars with just a few hours worked a week.
If retail is not your thing and you need even more flexibility in when and where you work, consider a driving service like Uber, Lyft or even Uber eats. You can work when and where you want and could earn over $20 an hour by just driving. You might even earn more during peak hours and with tips.
Out Of The Ordinary Gigs
Want to do something non traditional to pay off your loan? There are a lot of ways to accomplish this goal. Here is one that I like.
If you are a good negotiator, buying off of Craigslist can make you an easy 600 dollars a month with a minimal time investment.
All you need to do is buy cheap on Craigslist and sell it high on eBay. This works best on small items that are easy to ship. Things like video games and designer bags are in high demand and can fetch you a high return. If you go with this gig, try to specialize in a certain area so that you can easily recognize the bargains and true value of items.
Once you find your niche, you will find this to be a truly profitable and even a fun gig.