Monday, June 26, 2017

Save on Utility Bills and Use a Payday Loan as Needed

Save on Utility Bills and Use a Payday Loan as Needed

Utility bills are those necessary bills that you will always have to pay. Sometimes you may find an apartment that covers one of the utilities, but mostly you’re on your own. You can’t live without heat, electricity, and water, so you have to pay up monthly and those costs can really add up. If you struggle to get the bills paid some months, you can rely on a payday loan. You can also try to save money on utilities so that your monthly bills are lower and give you a little wiggle room.

Turn the Temperature up, or Down, But Use a Payday Loan to Pay Unusually High Heating Bills

In the summer, if you use an air conditioner, keep the temperature a few degrees higher than you normally would and you’ll be surprised at how much you’ll save. When it’s not too hot out, open the windows instead and let a breeze cool you down. In the winter, do the opposite. Keep the house or apartment a little cooler and wear more clothing to stay comfortable. You can really save a lot this way. Of course, there will be times when you have a cold or hot snap and your bill reflects that. When you didn’t budget for it, let the cash from a payday loan cover the high utility bill.

Fix Plumbing Leaks and Time Your Showers to Save, But Use Payday Loans as Needed

Water bills can also be high when it’s time to pay the utilities, especially if you have a household full of kids taking showers. There are a couple of simple ways you can save water and save money in the process. One is to fix leaks. A leaky faucet, and especially more than one, may seem like a small matter, but all that water dripping away is costing you money. Showers cost money too, so time your showers and figure out how much you can cut from them. For those times when the bill goes way up, like when you have house guests, you can rely on a payday loan to cover the extra cost.

Use Payday Loans to Invest in Energy-Saving Appliances

Another great way to save on utility bills is to use appliances that consume less energy. Over time these appliances really do make a big difference on costs, but you have to spend the money first to get them. It doesn’t necessarily make sense if you rent, but if you own your home it is ultimately worthwhile. If you don’t have the cash now, you could be missing out on savings. It makes sense to save up for these money-saving appliances, but the longer you wait the more you miss out. Use a payday loan to add to what you have already saved so you can get those new appliances and start saving on your utility bills sooner. All you need to do to get one is apply online or with our mobile app.

Monday, June 19, 2017

7 of the Best Reasons to Get an Income Tax Advance This Year

7 of the Best Reasons to Get an Income Tax Advance This Year

An income tax advance may be one of the most useful financial decisions you make. You can use this advance to pay your tax bill or to get the refund cash you’re expecting, but sooner. There are so many reasons why these loans make sense, whether you’re in the middle of tax season or working on your extension. Here are the best reasons to get an income tax advance:

1. An Income Tax Advance is Your Refund, Sooner

One of the major reasons that people turn to these loans is because they know they have a refund coming from their tax returns, but they also know it will take time to get the money. With an income tax advance you can get that refund cash sooner than the IRS will send it out to you, much sooner.

2. Income Tax Advances Provide Cash by the Next Day

Even if you file your taxes electronically, you’ll never get your money this quickly. With an income tax advance you can get your refund by the very next morning after you apply and get approved. That’s cash in your bank account in about 24 hours or less, depending on when you applied.

3. Getting an Income Tax Advance Takes Just Minutes

A great reason to turn to an income tax advance over other options for getting cash is that it takes only a few minutes to apply. All you have to do is fill out a short, one-page application. There’s no need for faxing or lengthy credit and background checks. It will literally take you a few minutes to apply and then it will take your lender 90 seconds or less to get you an answer.

4. You Can Use an Income Tax Advance However You Want

Imagine being able to borrow a couple hundred dollars with no strings attached. There is none of the guilt from parents or friends when you borrow money this way. There is only the independence you gain when you are able to borrow and spend money like a responsible adult.

5. There’s No Need for a Refund with an Income Tax Advance

Even if you aren’t expecting to get a refund from the government, you can still get and benefit from an income tax advance. In fact, owing the IRS money is a popular reason to get this kind of loan. It provides you with the cash you need to pay your bill on time and to avoid late fees.

6. Income Tax Advances Are Now Mobile

Can you say that about most loans? You probably can’t because we are the leaders in making loans mobile. Instead of slogging through the traditional loan process, you can pick up your smartphone from any location with a Wi-Fi signal, apply, and get an income tax advance from our lenders.

7. Income Tax Advances Give You Extra Cash

This is probably the best reason of all to get an income tax advance. It’s really that simple: you get extra cash when you get this loan. You get the money you need to get through the week, to make it to payday, to pay that unexpected bill, and to avoid late fees on bills you were expecting. Get this loan when you need cash, and you won’t regret it.

Monday, June 12, 2017

5 Things Our Borrowers Do with Cash before Payday

5 Things Our Borrowers Do with Cash before Payday

What would you do with cash before payday arrives this week? If you had an extra coupled hundred dollars to spend, what would you do? Our borrowers are pretty savvy people and they use the extra money in a variety of ways to make life just a little bit easier. Here are just a few of the most common ways they use cash before payday thanks to our easy loans.

1. Pay the Week’s Bills with Cash before Payday

Sometimes you just need a little extra cash to get the bills paid. You can’t always choose when bills are due, so it happens occasionally that you run out of money before payday, and you still have a bill or two that you have to get paid. With cash before payday our borrowers avoid late fees on those bills and get them paid on time.

2. Buy Groceries with Cash before Payday

Running out of money before payday is often something you can cope with, especially if it’s just you. A lot of our borrowers have families, though, and running out of money means not having food in the house. They use our cash before payday loan options to make a grocery store run and to be sure their families never have to go hungry, even for a day.

3. Avoid Bank Overdraft Fees with Cash before Payday

A common thing that happens when people run out of money during the week is to overdraw their bank accounts. You may do this without even realizing it until you see you have an overdraft fee, which puts you further in the whole. To avoid these costly fees our borrowers use cash before payday to cover expenses instead of taking the money from an empty bank account.

4. Pay for School Trips with Cash before Payday

If you have kids, you have experienced this: your son or daughter comes home from school and tells you they have a field trip the next day. And, by the way, it costs $50. Don’t have the cash? Our borrowers often use the cash before payday from our loans to cover school expenses and other costs that their kids incur, often forgetting to mention it until it’s almost too late.

5. Make Purchases with Cash before Payday Instead of Credit Cards

While a lot of Americans turn to credit cards when cash is short, this can be a risky strategy. Unless you have a plan to pay off credit card debt in a timely fashion, it can get expensive and it can turn into long-term, bad debt. Join our other savvy borrowers and use cash before payday, not credit cards, to cover expenses.

Using cash before payday just makes sense sometimes. There are more than five ways you can use that money, but these are the most popular uses. When you run short of money ahead of payday, hop online or use a mobile app to access our loans and get the money that will get you by.

Monday, June 5, 2017

What Is A Liberty Loan?

What Is A Liberty Loan?

The first time people take out a small loan about 70 percent use it to cover a recurring expense, such as utilities, credit card bills, rent or mortgage payments, or food; and about 15 percent deal with an unexpected expense, such as a car repair or emergency medical expense. If you find yourself needing to cover one of these expenses and you want a loan try a liberty loan. According to the New York Times, “People use payday loans to avoid borrowing from family and friends, and to avoid cutting back further on expenses.” Try a liberty loan if you want to avoid borrowing from relatives or friends again. Take control of your finances and gain credit with a liberty loan. The application is simple and the process can be completed in a matter of minutes online using any device. A 2015 PwC study found that millennials from all backgrounds are heavy users of “alternative financial products,” which also includes pawn shops and tax refund advances. Almost 30 percent of college-educated young adults say they’ve used them in the past five years. If you find yourself in a tough financial spot see why more and more Americans are trying a liberty loan.

3 Things You Need To Know About A Liberty Loan

Many borrowers are turning to loans such as a liberty loan because the application process is much shorter, there is no credit check, and the process can be completed entirely online. This also means that the loan won’t ever appear on your credit history unless you fail to pay it back. The net result is that you get a liberty loan, some short-term help, and it never appears on your credit history – the best of both worlds. Many are very surprised to hear that the primary demographic liberty loans appeal to are middle class parents and families, particularly when one considers how payday loans work: they require no paystubs, credit score, or collateral. Given the economic climate we live in today, the issue of credit and financial history is proving to be liberty loans biggest draw. Take care of an unexpected expense or avoid a late fee on a bill and build credit. Fill out the application today and take control of your finances.

How To Get A Liberty Loan: Headache Not Included!

Contrary to popular belief, liberty loans are not used exclusively by the poor, uneducated, or underprivileged. Instead, they are used by all sorts of respectable people who simply need a means to acquire quick cash without having to bring their credit scores into the equation. Many banks offer loans based on your credit score and turn down a high number of applicants. We offer a higher approval rate for a liberty loan and help people many banks will not consider. Going to the bank to get a small loan is becoming out dated and proves to be very time consuming. You can apply for a liberty loan online from the comfort of your home. There is no credit check or collateral required and we never contact your employer. Fill out an easy application for a liberty loan and you could have the quick cash you need in no time.