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Need help repaying Christmas credit card charges or other debt? Consider and compare DIY free debt settlement, obtaining professional debt help, getting a consolidation loan or a long term personal loan to payoff bills.





Payday Personal Loans: Submit an online personal loan application. Good credit people may qualify for a large limit personal loan of up to $10,000 or more. If you qualify only for a very bad credit personal loan, compare various pre-approved loan offers from lenders who approve no credit check loans with online instant approval.

Loan Application Rejected? If your bank denied you for a long term unsecured personal loan with monthly installment payments because of your credit problems, consider a short term loan or other guaranteed loan. Perhaps you can borrow from multiple unsecured personal loan resources to get the large cash limit you need.

Don't forget that there are secured as well as unsecured loan providers. You could get a small unsecured cash loan or a large secured personnel loan using an asset as loan guaranty.

Fast Payday Loan: When you need money quick with no collateral and no credit check, consider an unsecured high risk loan. Between paydays, this is a good alternative as a short term loan to pay bills or as an emergency loan to pay unexpected expenses like a car repair. Learn the benefits of payday advance loans and common uses, and review alternative unsecured cash loan options including loans for unemployed people and small business loans.

Payday Loan Interest: A payday advance has no interest structure because it charges a fee versus an APR. Some borrowers often use a payday loan to repay a payday loan from another lender, or to roll-over their existing loan term. Before you apply online for a personal loan, carefully review all terms and conditions. Browse for more payday and personal loan resources.


If you want to lend a friend or family member a person-to-person personal loan, use our free personal loan calculator to determine monthly payments.


Unsecured Loan - Get up to a $10000 unsecured loan with good credit or up to a $1500 bad credit loan with no credit check.

Payday Loan Benefits - Many of us occasionally run short on cash because of unexpected bills, emergencies, accidents, illness and other reasons.

Personal Loan - Apply online for an unsecured personal loan, and learn the pros and cons between a Personal Loan and a Payday Loan for bad credit people.

Payday Loan Lender Information - Payday Loan Lender Information: A payday loan, also called a cash advance or a personal loan, provides a small, unsecured, short term cash loan in advance of payday.

Bank Payday Loan Lenders - Banks Associate with Payday Lenders. Since consumers often need a small, short term loan but many do not qualify for a tradictional, long term personal loan, the number of banks are providing payday advances through agent assisted loan programs is increasing.

Bad Credit Personal Loan FAQs - Learn about and apply online for a bad credit personal loan.

Unsecured Bank Loan - The Community Financial Services Association of America (CFSA), the national voice of the payday advance industry, has a stringent set of guidelines for agent-assisted bank loan programs. Members use the guidelines when partnering with banks to provide short-term, small denomination loans.

High Risk Personal Loan Application - Do you have bad credit and are looking for a high risk personal loan application?

Credit Union Payday Loan - Credit Unions offer their own loan program version of a payday loan.

High Risk Cosigner Loan - High risk cosigner loan facts, and how to avoid having good credit turn to bad credit.

Highly Personal Loan Lending - Personal loan lending is becoming increasingly personal as more people offer person-to-person loans even to those with bad credit.

Private Party Personal Loan - More private lenders engage in offering an online personal loan.

Unsecured Personal Loan Risk - Payday personal loans are designed to offer fast cash to bad credit people on a short term basis, yet such unsecured loans can have a long term impact without timely payoff.

Unsecured Loans Making Bad Worse - High risk unsecured loans offer easy cash even to bad credit people. But if not paid off timely, the short term payday loans deepen debt fast. Desperation to pay off monthly bills can put personal finances at risk. Payoff higher priority debts and charge off lower priority.

Secured Unsecured Low Interest Loans - Low interest rates abound, for both secured loans and unsecured loans. Get a loan to payoff bills at higher rates and improve personal finances, or to take that well-deserved vacation.

Personal Loan and Cash Advance - Differences between a traditional unsecured personal loan and a payday cash advance, history, and where to submit a bad credit personal loan application.

Bad Credit OK Loans - Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.

Bad Credit Payday Loans Offer Unsecured Cash for Poor People - The federal government proposes changes that could completely terminate bad credit payday loans, though this financial option offers unsecured cash for poor people.

High Credit Risk Areas - You may be a high credit risk because of where you live, but thankfully there is still an unsecured, no credit check loan option.

Unsecured Payday Advance or Loan Shark - Who will poor and bad credit people turn to for emergency loan funds if government legislatures ban payday loans? Compare unsecured payday advance personal loans to those of loan sharks.

No Credit Check Bad Credit Loans - Apply for a no credit check bad credit loan. Review government legislations to control subprime interest rates and fees. Did you know, it is in the interest of the lender to offer you the lowest rate and least fees as possible?

Personal Loan for NonHomeOwner - The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Unsecured Personal Debt Consolidation Loan The options for an unsecured personal debt consolidation loan, the people who qualify, and alternatives for both good and bad credit people, homeowners as well as non homeowners

Bad Credit Lenders Facing High Risk Banks across the US report bad credit loans are adding to the high risk mortgage problems

Personal Loan Application A personal loan application is easier than ever, but consumers are using them less

Payday Debt Consolidation Loan Whether you want a payday loan to pay off bills or if you want a debt consolidaton loan to repay cash advances, consider these options

Payday Loan Fair Credit Borrowing Do payday loans offer more equal opportunity lending when compared to the approval process and interest rate determinations of other loans?

About Payday Advance Loans How payday loans work and the advantages for the borrower

Bad Credit Payday Loans are good for the Econom by stimulating it with new purchases and paying bills. Apply for a no credit check payday advance

Bank Emergency Loan Program - The federal government extends an emergency loan program to give banks access to more long term cash loans.

Emergency Loan Funding - Free credit tips for emergency loan funding. Cover urgent expenses with a short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.

Need Loan to Pay Bills - Solutions to cover expenses.

Online Loan Convenience - Online loans; particularly unsecured personal loans, are the quickest and easiest way to get cash fast. 

Payday Cash Loans - Why payday personal loans are a popular financial choice: The loan process is extremely simple, and qualification is easy.

Person-to-Personal Personal Loan - Do you; or a family member, need to borrow money from one other? For such very personal loans among family and friends, consider this advice.

Looking for a no bank account personal loan? There are benefits when these two are combined.

Private lender, person-to-person personal loan agreement.

Bank checking account personal loan installment payments and other facts.

Largest Unsecured Personal Loan

Loan without Checking Account Routing Number

Payday Loan Problems / Complaints

Payday Loan without Working or Work Verification

Personal Loan with No Fees Upfront

What are Alternatives to Payday Loans





Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


Free Help: Personal finance newsletter, credit advice and tips.


Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.




Short Term Loans
up to $1,000
Long Term Loans
up to $5,000



Emergency loan options (as available): Instant approval loan to pay bills, or a long term personal loan to repay over time. Use your unsecured loan for car repairs or any reason when you need quick cash.


You don't need to wait days for approval. Payday loans are designed to get you through a short term financial need or emergency without having to apply for a personal loan which requires a credit check, and may even require a co-signor. But with a payday emergency loan, there are no credit check hassles.

With a payday loan, all you need to be approved is usually a steady job with around $800 to $1000 a month in income. With a bank personal loan you are required to have good to excellent credit, and possibly collateral such as a auto. If payday loans were not available, bad credit consumers would have limited alternatives for an emergency loan.

So what can you do when you find yourself in a cash emergency? You can choose to pawn personal property, borrow from those you know or go the quick easy route and apply for a pay day loan online. Approval usually takes only minutes, and you can even have money wired directly to your bank account.

Payday Loan Benefits:  Get a payday emergency loan
Emergency loan in as little as one hour. Flexible repayment schedules. You may extend the loan. No collateral or co-signor.


Auto refinancing emergency loan.

Other emergency loan option:
Get a cash loan using your auto as collateral - auto refinancing.



Even no credit and bad credit people can get an instant approval emergency loan with no credit check. It takes only minutes to apply, and you can use the cash loan however you want. Get an unsecured loan to pay bills or for any reason.


A payday advance is an excellent way to get a no credit check loan for bad credit or any credit. It has a higher interest rate than a simple, long term loan, because it provides a high risk loan to most anyone with an active checking account.


When people need a loan, payday loans are the most popular way to get money fast. Many states allow consumers to get as many loans as they want, while other states only allow a person three a year. This is one loan option that continues to help people who may have financial problems and have no other alternatives. Many lenders approve some applicants almost immediately without delay. Within hours funds may be available in their bank account, to spend as they wish.


Repayment terms can vary from a couple of weeks to a couple of months, it depends on each lenders' terms. Because of the hundreds of unsecured cash loan lenders online, there are terms to suit just about everyone. Like any other credit that is applied for, all terms and conditions need to be understood, including extending the loan or paying late fees. Emergency loans solve small needs for cash, some examples are, paying for college, buying school clothes or supplies, or paying a few bills so they won't be late.


Having a job for several months is required by some lenders, yet others only require a proof of a monthly income. All require that the person is a United States citizen, eighteen years or older. To be able to get the money within hours, an active bank account may be needed. Credit ratings are not an issue with some lenders, as they do not do a credit check, so this helps people with bad credit have a better chance of getting approved. Although, thousands of people with great credit apply for these loans, because they are quicker than some other options.


The online process is very simple and the form is usually short. The terms and conditions are posted on websites, so nothing is hidden from an applicant. Usually there is a toll free number that can be called. It can be best to apply first, and wait to be contacted. Sometimes the loan amount they approve people for could be higher or lower than what is requested. It is best not to over borrow just because it is available.


Establishing Your Own Personal Emergency Loan - The absolute best emergency personal loan is one which charges no interest, and it actually pays you interest. How can that happen? By creating your own emergency fund. Here's some tips:

Save what you can: Even if you can only set aside a few dollars a week, you'll already have more than you already do if you have no savings account. As you add a few more dollars here and there each week, you'll see that fund growing like a strong money tree. Keep it fed.

Consider an automatic draft from your paycheck or checking account into a savings account. Even if it's a low interest account, your money is safe from your pockets.

Add the emergency funding to your budget, and treat it just like any other debt you owe.

Double and triple deposits: Each time you complete paying off a bill; or you eliminate an expense, place at least half of that into your emergency fund.

Control your spending urges by placing restrictions on money access: If you have trouble curbing expenses, place your funding into a money market account, CD or other source.

Coin jar: At the end of each day, take all of the change out of your purse or pockets and dump them into the jar. Next time you go to the bank, deposit the cash.


Read our latest article related to an unsecured loan or read more about emergency financial situations.


Credit Card


There are many good credit card companies and Discover has cards that are unsecured, student cards, and prepaid gift cards. Most anyone likes to get a prepaid card that can be used at any place that displays the company's logo. Using cards is much easier than risking loosing cash that can not be recovered.


Discover prepaid cards do not expire and may be used for some Internet or phone purchases. However, they may have a "valid thru" date and the cardholder may need to contact the company for a replacement card with a new "valid thru date". This feature is in place to help prevent fraud. Companies have different features for their prepaid card offers, so read the details about the card before applying with any card issuer.


Discover has be changing the organization of their business and technology goals, and the company earned the Enterprise Architecture Award, which assesses the value of companies who are relating to technology activities and investments, that are in line with their business efforts. It can indicate the ability to make meaningful changes for the company. Their team supports lines of businesses like credit card issuing, direct banking and payment services. 


Discover received a place on the Information Week 500 and they have made the list the last five years. They were recognized for implementing a new platform that tracks customer contacts and uses a decision engine to process the information on a real-time basis. Customer service representatives can then provide valuable assistance during service calls. They are always creating solutions that customers may appreciate. Discover provides a great selection of credit cards to meet the needs of many people, along with their goal to provide great service.

Payday Personal


Cash in two hours can be possible with some online payday loan lenders. They usually have direct deposit features, which helps to get the cash into the borrower's bank account fast. Secure applications are available and there are loans that do not require a credit check or fax. People with poor credit have been able to get approved with some lenders.


These loans have pulled millions of people through their money woes when money has been needed to pay bills on time, groceries are needed, or there was an out of the ordinary expense. One example of the need for a fast cash loan is if the utilities are at risk of being cut off, and to get them reconnected could cost fifty or more dollars. It does not take much to determine if the fee on borrowing a couple of hundred dollars for utilities, is cheaper than a reconnect fee, bounced check fees, or late bill charges. Do some figuring and go with the option that has less costs.


Lenders are available online by the hundreds, and people are able to get matched to the one who may be able to extend them a loan. The forms take just a few minutes to complete and an answer can be received within hours or minutes. It is one of the fastest and easiest ways to get a small loan. There is a lot of online competition and this makes getting a loan with good terms possible. There is a good chance many consumers with shaky credit could get approved to get approved.


Using online direct deposits, people who need money to pay bills can have access to funds, and be able to pay the debt fast if they use online banking and bill pay. The best thing is there is not need to drive around to pick up the money or to distribute the funds for bills using online banking. Saving time and spending more time to handle the finances is one of the most important management skills today. Finding a way to run a household smarter is a goal of many consumers. Payday loans should not be abused due to poor budget skills. Live on a budget, don't over spend, and save money for emergencies in advance. This is one way to never have to borrower money from any lender. However, when there are no other options, a fast cash loan can be helpful.

Payday Personal


Americans have and continue to go through trials financially, dealing with unemployment, foreclosures, and debt. Yet experts have indicated the recession is over, but there are still signs of problems. Many people have to apply for payday loans in times of financial problems, this can be due to many banks not loaning money to people who are risky, have bad credit, or do not have a home to use as collateral.


Cash advance lenders are more willing to approve people with all types of credit. These loans are short term, which means they are not going to extend for years like a secured loan, and there is a limit to the amount that can be borrowed. It has been indicated that certain credit types are usually the ones that may be more likely to apply for these loans. This is not the case as many credit types apply when they need extra money until a few paychecks go by.


The rich certainly would not have a need to apply, but low or average income people do run short of funds occasionally. Any loan can be easily abused or used in a responsible manner as any other credit product, like credit cards. The fees can be low or high, it depends on each lender. The important thing is that people who need it may welcome the loan. This is the kind of loan that can help when money is needed in hours and there are no options like a bank or family who are able to grant some money.


Family budgets are often strained and money may be needed to pay a high utility bill, a medical emergency, or to get an auto repaired. No matter what the reason, they have helped millions get funds to pay for things. People must find an answer to many financial problems when they arise, when a small loan is needed, this is one choice. Sometimes the choices to solve a problem can be limited to a couple or just one depending on individual circumstances.


Making a choice to get a loan with any lender should be carefully considered and weighed. The family budget, how many paychecks it will take to repay the loan, and how much to borrow are all important details to consider before applying for any loan. United States citizens, age 18 or more, people with a job, or a monthly income, are often able to get approved for a fast cash loan. Look online for the best low-cost payday loan available and compare the terms of a few lenders. Make sure to borrow only what can be repaid on the due date.

Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright 2011 Cash Time Loan Centers. All rights reserved.

Max Personal Loan Amount - What is the minimum and maximum Personal Loan amount? $100 to $1,000

Do I need a Certificate of Title for a Personal Loan? No Title is needed, only a vehicle registration (need not be current)

Do I get a personal loan using car as collateral - Do you need to see my motor vehicle for a Personal Loan? No

How are my loan funds issued? We give you a check from a local bank and offer to cash the check for you.

What if I am not currently employed, self employed or do not receive a regular paycheck? We may still be able to help you, just call us to discuss your options.

What if I live with someone else? That is acceptable, just bring recent mail received at your current place of residence with your name on it.

What if I become late on my payment? It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

What if I am not able to pay off my loan by the end of my contract? We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be? Your payment schedule can be bi-weekly, semi-monthly, or monthly.

Is this a short or long term loan - How long is the loan? The length of the loan depends on your payment schedule.

What is the interest rate? For questions about interest rates, please contact a Cash Time representative.


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