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Quick Links: Your Offer – The Process – Other Choices
Getting Your Offer
Getting your offer is incredibly easy.
First, you just need to fill in the loan form located at the top of the page. Lucky for you, it only asks for some very basic bits of information. Mainly information about how to contact you and your income. Your income does not even have to be a 9 to 5 job, it just needs to be money that you get on a regular basis. In addition to that, the form will ask for your banking information. Should you be approved and accept an offer, this is how your lender will get you the 2400 dollars.
Once you have completed your form, just agree to the terms of service and hit the submit button. Now, the magic happens. We may be able to help you get approved when others can not because we are not a lender. This is a good thing, especially if you have bad credit, because you instead get access to an entire loan network. More lenders equals more chances of getting an approved offer from one of them.
If approved for a cash loan, you will be directed to the website of the lender making the offer. There you can review all of the details of the loan. Pay attention to the overall APR as well as the cost of the loan. Take the time to decide if the cost of getting the $2400 loan is worth it. Please note that as we are not a direct lender, we have no control or knowledge of the interest or fees that may come with your loan.
If you decide that yo like the offer presented to you, you can accept it and your lender will get you the money that you need just as soon as possible. Many times, this is the very next business day.
If, however, you decide that you do not like the offer, just turn it down and walk away. There is absolutely no obligation on your part when you get an offer.
Your Non Loan Options
Besides loans, you may have other options. Before deciding whether to borrow 2400 dollars or not, why not take a look at some of these options. Here are some of the better alternatives.
Selling Your Stuff
We all have junk lying around. Whether you have $2400 in junk or not is the question.
Chances are that you do not, but even if you only come up with 500 dollars, that is money that you do not have to borrow. It is also a dollar that you do not have to pay interest or fees on.
As far as making your sales go, you have many outlets that you can use.
To get the money the fastest, Craigslist is probably your best option. Things that sell pretty quickly on this website include appliances, furniture, lawn equipment and things like that. Be prepared to deal with both scammers and low ballers.
Another way to sell quickly is eBay. Yes, an auction is usually 7 to 10 days but you can also use a “buy it now” link. Price your items competitively and they will sell fast. Things that go quickly on eBay include video games, purses, electronics and similar items.
Borrowing From Family
If you can score a free loan from a family or friend, that is a great way to go. Sure, you have to involve your loved ones in your financial situation but it may be worth it to save interest and fees and trust me $2400 will come with a lot of those.
To successfully pull off a family loan, you need to treat it like a real one. Pay it back as quickly as you can and document everything. In that way, if someone forgets about a payment that you made, you can show them proof. Memories can get fuzzy and math mistakes happen, so always pay in a way that you can track.
Doing Without The Money
Sometimes that best alternative to a loan is to never take one out at all.
If the money is something that you can live without and the cost of the loan are high, just do not take it. Emergency loans are not to be dealt with lightly. They can get you money ASAP which can be a problem because you may not have time to think it over.
Weigh the costs of the loan against the cost of not having it. If you need the money to fix your car which is your only transportation, it might be worth it. If you need it to take a trip, you are probably better off not taking the loan.
Only you can make the final decision as to whether you need a loan or not. Just be sure to weigh all of the pros in as well as the cons. When you are done, also fit the loan payment into your regular budget and see if it fits. If you can not pay for the loan, you should turn it down whether you need it or not.