aoy's Blog

If you are looking for a personal, no credit check, loan, you are probably in the market for some sort of payday loan or cash advance. Unless you want the banker to go through your credit profile and take a look at your credit report, you are going to want to stick to some sort of cash advance. The only problem with a cash advance is that they are usually very short term. You are expected to pay the entire balance plus fees back by the time you get your next paycheck. Of course, you can pay it back in full by taking out another paycheck advance if you want - you just have to pay the fees out of your own pocket.

So, if you are in the market for a personal loan that requires no credit check, you are probably not going to get exactly what you want. Here are a few options if you need some sort of loan but you don’t have the best credit, or you have flat out bad credit:

1. Start getting your finances straight and find the root of your problem. If you need to borrow money to pay the bills, buy groceries, make the rent, etc. then there is something not right with your finances. Spend the 10 or 15 bucks that it takes to buy Personal Finance for Dummies and invest the few hours to read it. People often make excuses about their financial troubles (my boss is a jerk and won’t give me a raise, my wife spends too much, the landlord keeps raising rent, etc.) but only you have the power to fix your financial issues.




2. Your poor credit is preventing you from borrowing money, or it is making you borrow money at an interest rate that is more than you can afford. Try contacting a few different credit repair companies and seeing what ideas they have about getting your credit back on track.




3. If you have available credit card balances, see if you can get some credit card checks to hold you over until you have your finances back on track. If you don’t have any available credit on your credit cards, consider signing up for another card to get at some more credit. I only recommend doing this as a temporary means to get out of a tight situation. Once you get through this financial crisis, you should be taking steps to eliminate some of the debt that has accumulated.




4. Use peer-to-peer lending to secure a personal loan. If you have poor credit, you still run the risk of having an inflated interest rate or not having your loan funded at all. At least spend the time to check out some different sources online. It is worth a shot and can get you out of a stick situation.




5. Sell stuff. If you have items that are of high value, such as baseball cards, a car, nice TV or stereo, you might consider liquidating some of your nicer stuff to pay off immediate expenses. Who knows, these expensive items might be the things that got you into your financial mess in the first place.

If you are like me, you are always on the lookout for ways to save some money. For this holiday season, it might be a bit hard to do that. That is why I have been on the prowl for saving tips these past few weeks. Guess what I discovered? A neat little article called The 12 Saves of Christmas, written by Allison Tait. Here it is in condensed form.

1. Don’t dream, plan

If you want to bring Christmas in under budget this year, you must plan now.. If you buy a few gifts each week from now until the big day, you’ll be able to make considered decisions, not panicked ones. Plus you can plan your menu ahead and make the most of specials on non-perishables between now and then.

2. Channel your inner Scrooge

Christmas is not a time to be tight, but it is a time to have a budget. Work out where you can shave some cash off your outgoings for the next eight or so weeks. What’s left over is your Christmas budget. Since Christmas is almost here – it should be the next several weeks.

3. Make a list… and check it twice

With your budget in hand, write out a list of everyone you need to buy gifts for this year. Is there anyone you can leave off this list? Set a reasonable limit and then everyone just buys a gift for the one person whose name they draw from a hat.

4. Craft a new tradition

Whether you make jam, bake biscuits, knit scarves, pot plants, write out recipes, take photos and frame them, or compile little gift baskets (so much cheaper than buying them), you can save a fortune. What’s more, you look as though you really care. Everyone knows that in this day and age our time is our most precious commodity. People will appreciate yours. Check out sites such as Etsy, and Living Creatively for inspiration.

5. All wrapped up with…

“Wrapping gifts can cost a fortune,” says Bibby. “But you can get away with it on a budget.” Forget that nasty, thin wrapping paper; why not try a brown paper lunch bag, newspaper, or old sewing patterns. The key is to make sure you wrap all your gifts the same way (so it looks as though it was meant to happen), and make sure you don’t forget the pretty frippery. Newspaper without the ribbon and bauble just looks cheap!

6. To Santa, with love

Christmas cards can be another expensive area. You could send e-cards, which are definitely cheaper than posting, but somehow not as much fun (possibly because you can’t display them in the living room to prove how in-demand you are).

7. Deck the Halls

There’s no doubt that the American tradition of “dressing” the house for Christmas has taken off here. It’s no longer enough to stick a plastic tree in the corner with a few glass baubles for decoration. But the festive spirit often comes with a hefty price tag — unless you think about it. For a designer feel on a budget, it once again comes back to creativity and style.

8. O Christmas tree

Speaking of trees, there’s no rule that says you need to have a pine or fir tree, plastic or real. Construct your tree from something more personal — driftwood, plastic, a cut-out on the wall. Start a new tradition at your place whereby every year someone different gets to “create” the tree.

9. Don’t be a turkey

There’s no doubt that footing the bill for the family Christmas feast can be an expensive proposition. So here’s an idea: don’t do it. Instead, get everyone involved in the planning and have all participants contribute something. If everyone brings a dish and a couple of bottles of something to drink, nobody bears the burden of the whole cost.

10. Ring your bells

If there’s one thing the Christmas season brings with it, it’s more parties than any other time of year — and more “what to wear” dilemmas. What you need, to soothe both your brain and your budget, is an outfit that will work at different events.

11. It’s beginning to look a lot like sale time

If you’re rushing out to purchase something for the festive season just because you “feel like something new”, stop. “Remember these four little things,” says van Tongeren. “One: your wardrobe is already full. Two: your credit card could do with a break. Three: no-one will remember what you wore anyway because they were having too much fun. Four — and this is very important — the sales are mere weeks away.”

12. More about gifts

Teenage girls are notoriously difficult to buy for. Van Tongeren suggests that you can’t go wrong with denim shorts, Diva gift cards, tote bags, beach towels and Havaianas. She recommends Georgie Love and Etsy for unusual gifts.

In the United States, today is the single most important day in the world of shopping. It is the last Friday of November, the day after Thanksgiving. This is the time when a lot of people get their Christmas wish lists done. It is called Black Friday. It is the day when all stores slash the prices on their merchandise by a great percentage. As such, long queues are made even before the stores open for the day.

This may not be practised in Australia but you can still do your Christmas shopping this week. After all, we have less than a month to go before the biggest day of the year (at least for some). Do I hear you thinking that you do not have enough money to buy everything this week? That’s understandable and in fact, it is alright. You can still get the cash that you need to cross out everything on your list.

You can do this by applying for a cash advance loan today and you will have your money in no time at all!

First, just go look for a cash advance loan provider. You will not have any problems regarding this. Since you are already online, just go ahead and do a search on Google or MSN – or any other search engine for that matter. You will certainly find a lot of cash advance loan providers online, you will not encounter a lack of them. Once you have found a cash advance loan lender that you would like to deal with, you then have to fill out their online application form. This will take you a few minutes, even less.

You then have to send in the application form by clicking on the submit button. Within an hour or so, you will receive an email from the cash advance loan lender informing you of the approval of your application. I only mentioned approval because I don’t think anyone ever gets denied for a cash advance loan. That is in fact the beauty of this loan product. Their requirements are so minimal that you hardly hear of anyone being denied for a cash advance loan. So what are these requirements that I am talking about?

First, you have to be a citizen or a resident of Australia. You also have to be at least 18 years old. For these two requirements, any legal ID will suffice. You just have to prove that you meet both. Another requirement is that you have to have a regular source of income. For this requirement, you would need to furnish the cash advance provider with copies of your latest paystubs. This is very important because it is what will show whether or not you are capable of paying the loan back. That means it is a very important piece of proof for the cash advance loan lender. The last basic requirement is that you need to have a bank account wherein the lender can deposit the money.