Getting Your Quote
Let’s get right to it. You need $1300 and you probably need it fast. We make it easy with a short and sweet quote form. Take just a few minutes to enter your basic information in the form below and get a quote quickly. It couldn’t be easier or faster.
As Easy As One, Two, Three
Getting a loan quote is as simple as that. Just a few easy steps and you could have an offer in front of you. Here is what it takes.
One, fill out the loan form. ll it asks for is some very basic information. Your name and contact information of course and also you will be asked to describe your income. Your income does not have to even be a regular job. It can be any source of money that you get on a regular basis. This means that you may be able to qualify for a loan, even on benefits like social security.
Two, submit your information. Just accept the TOS or terms of service and then submit your quote request to the loan network. It will then travel from lender to lender until one is found that wants to make you a $1300 loan offer.
Three, just review your offer being sure to note all of the important details. If you like it, you can accept it and you will get your money soon. If not, you can just walk away. It is as simple as that.
Making Your Decision
Before you take out a loan, you need to make sure that it is for the right reason and that it fits into your budget without any issues.
First, the right reason. The last thing that you want to do is to be paying on a loan for something frivolous. Make sure that what you are spending the money on is important. This will make it easier when you are making the payment or payments on the loan. You are giving up money in the form of interest and fees so you should make sure that it is worth it.
Next, you need to make sure that you can actually afford your $1300 loan. Insert the payment or payments into your budget and make sure that it fits. Is there room leftover after you pay the loan to pay your rent or mortgage and other bills? If not, you need to reconsider accepting the loan. Do not expect for the money to pay it back to just come out of nowhere.
Finally, you should consider whether you can get the money somewhere else cheaper. If you can, and it is convenient, that is an option to consider.
Cheap Ways To Pay Off Your Loan
If you have decided to take out your loan, you now need to figure out how to pay the $1300 back. Hopefully there is plenty of room left in your budget for your payment but if not, here are some places to get money.
There is money to be made in recyclable metal and I am talking about more than just aluminum cans. You can sell all kinds of scrap to recyclers including aluminum but also things like stainless steel and copper.
The best thing about recycling is that you can get the metal to sell for free. All you have to do is pick it up because it is all around you. People discard all sorts of good metal, especially on bulk pickup day in neighborhoods. All you have to do is pick it up and bring it in. Make several hundred dollars a month doing this in your spare time.
Get A Part Time Job
These days, part time jobs are easy and they pay well. One example is Walmart who recently increased their minimum wage. They are desperate for employees and they are open 24 hours. This means they can be a source of part time employment for anybody. They literally fit every schedule.
Another possibility for a part time job is Uber if you have a car. Simply turn it on whenever you want to make money. It doesn’t get more flexible than that.
Cut Your Expenses
If all else fails, cut your other expenses. Cancel your cable or satellite, stop going out to dinner and brown bag your lunch to work. There are also many ways to save on groceries. Put it all together and you could save hundreds of dollars a month which would probably be more than enough to make our loan payment.
- Is this a payday loan or an installment loan?
Loan Monkey is not a direct lender, so we can not guarantee what type of loan you will be offered. Depending on the amount you request and your loan qualifications, you may be offered either a monthly installment loan or a payday loan.
- Is there a cost to get a quote?
We do not charge you for access to the loan network. The lender that makes you an offer may charge fees such as origination fees, finance fees, interest, etc. Be sure to read your loan offer completely so that you know exactly what you are getting into.
- When can I get paid?
Loans might be deposited as soon as the next business day. Contact your particular lender to inquire about when you might expect to receive your money.
- Can I get approved with bad credit?
We can not guarantee approval but many of our lenders are used to working with less than perfect credit.
- Can I get my 1300 dollars today?
In most cases, the soonest a loan will fund will be the next day. Every lender is different though and there is no obligation to simply get a loan offer. Why not fill out your quote form now?