WOMBAT-Empfang » If you absolutely, positively canno

If your credit rating is in the cellar you may find the following suggestions just short of annoying but I’ll make them anyway:


Use your credit card for which you’ll pay a much lower rate than a payday loan.


Ask your payroll department for a salary advance.


Ask a friend or family member for a loan.


Offer your supplier or service person a post-dated check.


Ask for an extension on your car loan that defers one month’s payment and frees up some cash.


The other alternatives


Realistically speaking Wholesale Eddie Robinson Jersey , if you had good credit or a reasonably well-off family member, you would probably not be in the market for a payday loan. So your only reasonable alternative may be to minimize the damage. Searching for a payday loan online may be your best option for finding a reasonably low interest rate. But you must brace yourself for prompt repayment in order to avoid getting on the lender’s treadmill. Once you have lined up a reasonable rate and obtained your cash, you should start planning how to avoid becoming repeat business.


Breaking the cycle


A great place to start would be to learn how to make a simple personal budget so you can put aside small amounts of cash each payday for an emergency fund. If budgeting does not work for you, consider joining a credit union before your next crisis occurs. Credit unions now offer a nifty device called a Salary Advance Loan Program. State Employees Credit union in North Carolina has one of those. They will lend you up to $500.00 at 18% and with no fees attached and they allow borrowers to set up a loan by phone. They require that you have a direct deposit account with the credit union Wholesale Bob Feller Jersey , into which your paycheck goes.


But what if you don’t work for the state of North Carolina? Or what if you don’t belong to a credit union or have a family member who does? All is not lost. The National Credit Union Administration has a nifty web page accessible from their “Resources” page where you can search for credit unions by type and state. This is pretty useful because some credit unions will allow you membership just because you live in a particular city or county. Take ACCESS Federal Credit Union in New York state for instance. According to their web site, “if you live, work, worship Wholesale Larry Doby Jersey , or go to school anywhere in Oneida County or the City of Oneida, you are now eligible to join.”


Otherwise


If you absolutely, positively cannot find a credit union near you that offers salary advance loan programs, try to minimize the damage by shopping around for the best possible rate [url=http://www.cheapmlb