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fast funds with bad credit

Posted on: 19th Mar, 2007 02:46 pm
I really need some fast funds to pay some medical bills. I have bad credit!! Any Ideas
If you have overdraft protection on your bank account then it can be used to come out of this temporary financial problem.

One more thing, some employers do grant paycheck advances to their employees. You can contact your employer to know if would be possible or not.
Posted on: 19th Mar, 2007 03:23 pm
Many will tell you to take a payday loan but I would advice it would be more appropriate to look for other options then to take out a payday loan.
Posted on: 19th Mar, 2007 03:27 pm
Some of the other options you can look for are like small short term loans offered by credit unions to their members.

For one, I know about the North Carolina State Employees Credit Union which offers salary advance loan to its members.

These loans have longer payback periods and are much cheaper than the payday loans that Dowdell mentioned about.

I also agree with him that it is better to look for other options than to get a payday loan.

Posted on: 19th Mar, 2007 03:52 pm
You can also look out for some cash advance on your credit cards or,
a short term loan from some of the small consumer finance companies which offer such loans.
Posted on: 19th Mar, 2007 04:39 pm
Hi Mcphetridge,

Welcome to the forums

Is your health insurance company not willing to cover the medical bill payments? Just call them up and tell them about your needs. They should be helping you out.
Posted on: 19th Mar, 2007 11:01 pm
It seems like you are in a money crunch. I have found myself in similar situations before where I need fast cash or do not have enough cash to make ends meet. I found that taking out a short term loan is SOOO helpful. Best of all it is also very simple. Forget about paper work, signatures, approval process . . . There are plenty of online payday loan companies that will meet your need really fast and provide you with useful information. Maybe that might help you out with your medical bills.
Good Luck!!!
Posted on: 28th Jun, 2007 09:01 am
"There are plenty of online payday loan companies that will meet your need really fast and provide you with useful information."

But I have heard that pay day loans are not good and an effective budgeting of your resources can provide same usefulness compared to payday loans.
Posted on: 28th Jun, 2007 04:39 pm
Hi mcphetridge,

If you are having a series of bad credit problems like arrears, defaults etc against your name, it is not of major concern as lenders approve the amount without any credit check. In fact by repaying the borrowed amount, you get a chance to improve the credit score.

The interest rates concerning the loans are slightly higher as they are made available to you for a short time period without any collateral. But with a proper research using the online method can help you find lender offering the loans at cheap rates.

Cash advance payday loans offer instant money to meet your immediate requirements without creating any obstacle.

[Links deleted as per forum rules]
Posted on: 26th Jul, 2008 02:35 am
I would not advise payday loans unless you plan on paying it back within the terms of the loan. The interests rates on these loans can be as high as 1300% and will put you in a situation that is worse then the one you are in now.
Posted on: 15th Aug, 2008 04:50 pm
Hi cobylucas.

Welcome to the forum. I agree with you that payday loan is not a good option as rates are very higher and if anyone go for it, he should pay it back within the terms of the loan.

BTW we would like to know about you? I have seen your site and it looks good and informative? Are you a mortgage professional? Why don't you introduce yourself and let the community know about yourself.

Hope to see you soon on the forums.

Best of luck,
Posted on: 16th Aug, 2008 02:06 am
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