Thursday, December 13, 2018

What is an Express Cash Loan in Vista

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If you are already broke, car just broke down, or maybe you’re strapped until next week’s payday and are short on rent. You may feel like your options for making money quickly aren’t so hopeful. If you need cash quick and you’re looking for some legitimate ways to make money fast, here are some ideas, depending on your situation:

Do a personal inventory to see if you have something of real value to trade. For example; your dad’s 1950s model train collection or your grandmother’s gold necklace.You’re unlikely to fetch as high a price for something of value when you’re under pressure to sell it locally and right away. But depending on the severity of your situation, if you have something valuable to sell, this may be the time to leverage it.

Pawnshops are regulated by 14 federal statutes and regulations, plus numerous state and local laws, according to the National Pawnbrokers Association, or NPA. Gems N' Loans in Vista is clean and a well-lit store, ran by people who pride themselves on providing good customer service.

Pawn brokers offer collateral based loans secured by something of value. You take in something you own, and if the store is interested, they will offer you a loan. The pawn shop then keeps your item until you repay the loan. The loan amount will likely be a small fraction of the item’s actual value.

Wednesday, December 12, 2018

Eliminate Your Fears And Doubts About Cash Loan

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You might have heard that payday loans are essentially an advance against your next paycheck. You give the payday lender your pay stub as proof of income and tell them how much you want to borrow. They will then give you a loan for that amount, where you are expected to repay when receiving your next paycheck.

What they don't tell you is that this often ends leaving the borrower in a perpetual tail chasing syndrome, where each paycheck is being used to pay the last loan owed, therefore, never ending cycle.

A great advantage of a pawn shop loan is that they are  easy to obtain. You are simply going to have to take something in that you can use for collateral and the pawn broker is then going to give you a receipt that has the terms of the loan on it. The interest rates can be slow 2%, where a payday loan can cost 400% based on an annual interest (APR) or more.

Gems N' Loans Vista  are not going to check your credit. The loan is secured completely by the collateral that you provide to the pawn shop. Therefore, the lender is not really concerned with whether you default on the loan or not.
 

Saturday, November 17, 2018

Solutions for the Cash Loan Dilemma

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Johnny Cash, the Man in Black, was a singer, guitarist and songwriter whose country, rock, blues and gospel music influences, soothed our ears in times of joy or even during the financial blues.

When searching for a cash loan during trying times, it is natural to sing the blues and maybe sing songs like After Taxes. When trying to make ends meet and remain sane, it might not be a bad time to go out and celebrate music and life.

Whether you are looking for a payday advance or a new guitar, it has been said finding something of value that you no longer wish to hang on to can be almost sold immediately or used as collateral for a loan.

Pawn shops like Gems N' Loans in Vista offer interest rates as low as 2%, or just out right sales of valued items for the night out you need to calm the nerves.

Wednesday, November 14, 2018

What is a Pawn Shop Cash and Loan

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When wondering how to get a cash loan, you simply go to a pawnshop with something you own that you are willing to leave as collateral. The Gems N' Loans staff will assess the item’s value and condition to determine the resale potential. After a decision has been made, the pawn broker decides the potential loan amount.

Considering the borrower has left collateral with the pawn shop, the advance doesn’t require a credit check, bank account or co-signer. However, the borrower must be 18 years or older and show proof of identity. 


After returning within the agreed time, which can usually be 30 days to a few months, the borrower will pick up the item of value and pay off the loan including interest as low as 2%.

Saturday, November 10, 2018

What to Know About Cash and Loan Services in Vista

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One should start off with knowing why they need to borrow money, to begin with. This is the most critical factor you need to consider before borrowing or taking out a loan. If not done decisively could be detrimental to the borrowers finances. 

According to recent polls, 47 percent of customers surveyed took out a personal loans to cover bills or emergencies. For example, they needed to pay for things like medical bills, a flooded basement, or dental visit.

These factors are almost always related to the individuals credit history and the ability to make payments on time. However, not everyone has good credit and need an alternative to depend on in times of need.

Throughout the years pawn shops have been given a bad name when looking for cash loans. Well contrary to this myth, they are often times more reliable than other sources out there. They also have lower interest rates and flexible payment plans.

The Gems N' Loans model is based on collateral lending that is structured based on the value of the item you wish to pawn. The pawn can often simply be the sale of the item if the customer doesn't wish to retrieve the item at a later date and doesn't care. Or in most cases the item of values is used as security to back the loan.

So before you go get involved in a title to payday loan, consider you neighborhood pawn shop for the emergency funds.

Thursday, November 8, 2018

How to Get a Cash Loan in Vista California

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It’s common that when a business does both pawn and cash advance loans that they will also offer other services like check cashing, payday loans, Western Union, money orders, etc. These kinds of businesses are typically the go to of the financial service industry for those seeking fast cash.

These businesses that operate as both pawn shops and cash advance shops, do this for a lot of reasons. Often times it depends on the customer and the convenience.

Pawn shops like Gems N' Loans are typically known for loans against collateral or possessions, and are considered one of the safer types of loans that you can obtain. Why? For example, if you are unable to repay the loan, it doesn’t work against your credit score.

Unlike a Payday advance shop, that typically requires you to have a checking account, employment records and other documents.

So what is a pawn loans? A pawn, or collateral loan, is when you let a pawn broker hold onto something valuable and they loan you money. And when you are ready, you can return to the pawn shop and redeem your item.

Monday, November 5, 2018

Payday or Collateral Cash Loans in Vista


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After Cathleen and I got married, she received a phone call from a girlfriend who was in a bit of a financial jam. Her car was in the shop and she was completely broke, needing a $200 cash loan to cover the bill. Living in Vista without the car, she had no way of getting to work.

Making the situation more dire, Cathleen's friend is a single mom with a couple of young kids to worry about.

After I returned home from work one day, Cathleen explained the situation. Of course, being the inquisitive person that I am, the first question out of my mouth was, "doesn’t she have an emergency fund?"

Considering Cathleen and I were only recently catching up at the time, we were hesitant and unable to offer financial assistance . We were eating lots of macaroni & cheese and rice & beans to ensure we spent less than we earned. Our child is still a baby, and by the time we finished paying the mortgage for our new home, the car loan, and all our other bills and obligations, there was very little money left for discretionary spending or personal loans.

When looking for cash loans, people with poor credit histories are typically in bad shape if they need to get a loan for an unexpected expense, and banks and other lending institutions depend on credit scores almost entirely to determine if they will offer someone a loan.

At Gems N' Loans in Vista California, there are pawnbrokers willing to offer collateral loans with interest rates as low as 2%. The pay back time on these type loans are usually easier to content with leaving the only worst case scenario of not receiving your collateral should one default.