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So You Need a Loan and Have No Job?

Without an extra savings in their pockets, how could unemployed people survive their day until they can find another job? In between their last pay until the next paycheck only a loan can help them get by. There are government subsidies and these could be their hope as guarantees a job comes their way. If you are one of them, you definitely need a loan although you do not have a job.

Where to Get the Money

Without any other source of livelihood, it would be hard to feed your family. What about their schooling, your utilities, food and shelter requirements? Where will you get the money to spend on these items except to pledge your government check? But the check would not last that long. Something must be done on your part to stop this situation. A non-stop job hunting must be your full-time vocation. Or try to find even a part-time job to earn even a meager sum. This could be a big help to your budget.

Instant Cash Advances

A payday loan that accepts government checks could be negotiated in the meantime. Forget the high interest rate they are charging. You need a loan and have no job. What is important is that you can buy the basic things. Prepare a well trimmed budget that will include only your vital expenses to survive and whatever is left should be saved. Further, make a 10% savings on what you have budgeted if that is possible. Tighten the belt as you can bear; provided your health is not compromised.

Make Some Alternative Moves

Ask Friends to Help You out

Meanwhile, draw up a list of your close friends and relatives you can approach to help you out financially. Offer what you can pledge to them. This is one way to avoid paying interest if they will part their extra funds to you interest free. The amounts they could share with you can save you from getting drowned by interest if you continue borrowing from payday loans.

Try To Negotiate

Do some parallel negotiations with your previous creditors and submit proposals for loan extensions or loan renewals. This will help you in stretching out whatever budget you still have in your hands. If you are successful enough, you can avoid the further degrading of your credit score that will put you more in a bad light when it comes to your credit standing.

Consider Other Loans

Take advantage of other loans with banks or credit unions if that is possible under your circumstances.These lending companies have much lower interest rates as compared with payday loan lenders. Nothing will be lost if you will end up unsuccessful in your attempt. You need a loan and you have no job, so do not lose hope and keep on trying to find the banks that will listen to you. If you have some collateral, these are your best weapons to bail you out if they could be negotiated with the banks as collateral for a certain amount.

Get Rid of Unwanted Things

Sell the items that you do not need. You might have an old car or home equipments that are just lying around your yard. Cleaning up your garage of clutter will not only give you more space but also raise some dollars that could meet minor expenses.

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Representative APR 391%
Example: You borrow $100 for two weeks. Lender can charge you a $15 fee, which means you will have to repay $115 to the lender at the end of the term. The cost of the $100 loan is a $15 finance charge, which anounts to an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
Implications of Non-Payment:
Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. None payment of a payday loan might negatively effect your credit history.
Consumer Notice:
A cash advance, also referred to as a payday loan or payday advance, is a small, short-term loan that is intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and do not constitute long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult our Rates and Fees page to learn more about the risks involved with cash advances, local laws and regulations that may be applicable to cash advances, possible loan alternatives and recent developments in their state.
Legal Disclaimer:
This website does not constitute an offer or solicitation to lend. We are not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this web site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Our provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. We are aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. We do not endorse any particular service provider, lender, nor loan product. You are under no obligation to use Our service to initiate contact, nor apply for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use our service. Learn more on our Rates & Fees section.
Residents of some states may not be eligible for a short term cash loan based upon lender requirements. We do not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender.