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The Quote Process
The quote process is simple, secure and straight forward. Best of all, it takes just minutes to complete. Here is how it all works.
First, you will complete the quote form at the top of the page. It is just some basic information so it will not take all day to complete. In fact, most people should be able to complete the form in just a couple of minutes.
Fill in your contact information, information about your income and your banking info. This is so your lender can deposit the money directly into your account. No need to worry, everything is secure. See that lock in the address bar of your browser? It means that this website is secure.
Next, you will be asked to simply agree to the terms and condition and submit your information. The next thing that happens is what separates our loan network from direct lenders.
Your quote will now go from lender to lender, quickly and securely, until one is found that wants to make you an offer. It is the fastest way to get a loan offer, especially if you have bad credit. With direct lenders, if you do not meet their requirements, the game is over.
If approved, you will be shown your loan offer. It might be emailed to you, pop up on your screen or you ay be directed to your individual dealers website. Be sure to review all of the information on your offer. Note the payment amount, the date it is due to be paid and the total cost that financing this amount of money will total.
After reviewing the information carefully, you can decide whether to accept your $350 loan or not. If you accept it, it could be in your bank account as soon as the very next business day.
What You Should Know
There are some important things that you should know before taking out a loan. Here are some of the more important information.
Loans Can Be Expensive
Lenders are not in business to lose money. They charge loan fees, origination fees and of course interest. If you can do without a loan, it is probably best to do so.
If you do decide that taking out a loan is the right thing for you, you must be aware of the total cost of the loan. This is the key fact to know. How much will you end up paying if you carry the loan to its full term. When you have that number, you can decide if the extra money paid is worth it.
You May Have Alternatives
Before committing, you should take a moment and think about if there is another way to get your $350. Friends, family, work, there are a lot of possibilities out there. Further down the page, you can see some more options.
Your Credit Affects Your Rate
The lower your credit score, the more you will pay, it is as simple as that. You can still get loans with bad credit but they will be more costly. Luckily, improving your credit score is no mystery. You simply need to pay your bills and keep your balances on revolving credit low.
Other Ways To Get Money
Loans are an easy choice when you need money, in this case 350 dollars. You might have other options though. Ways that might take longer but will leave you without loan fees. Here are some examples.
Borrow From A Wealthy Uncle
Okay, it doesn’t have to be an uncle. You could borrow the money you need from a relative and avoid fees altogether. It could also stretch out the repayment terms. Instead of having to pay the loan back in a month, for example, you could be given a loan with more time to pay. That can help you get things in order financially.
If you are in need of the money to pay for a utility, food or rent, you might be able turn to a charity or government program. Contact local churches and your electric company to see if they have any programs. There are also places that help with rent that could provide you with vouchers or other assistance.
If all else fails, sell some property. Things like iPads and laptops can provide you with several hundreds of dollars and are quick and easy to sell. If you have the time, check out places like eBay. You will get the highest return there.
Got nothing to sell? Are you sure? If you are okay with needles, you can always sell plasma. It does not take that much time and you would be helping people. In addition, you could make $300 a month doing it and you can do it every month.
To Wrap It All Up
If you need money and need it now, a loan might be the thing for you. Like every financial decision in life though, you need to think carefully before you commit. Even a little $350 loan can be problematic if your budget is not in order. Make sure that you have no other options and that you will have the money to pay back the loan before you proceed.