Emergency Loans, Payday Loans, Cash Advances

Except If It an Extreme Emergency, Forget Them! They Can Become A Trap That Will Simply Hurt You Further Financially!

Note!

Those whose lives are still being affected by the 2005 spate of vicious hurricanes should contact The American Red Cross or FEMA for assistance! As should those who have suffered due to any other misfortune that has been declared a disaster.

Remember, financial experts recommend against Payday Loans in general because the interest can accrue rapidly.  Of course, financial experts live in a world where personal wealth is a given and credit is easy to come by.  You know the real deal and your current situation.  We trust you know what you've got to do to keep that car running, pay the rent, pay a medical bill before it goes to a collection agency and becomes one more blemish on your credit record.

If you absolutely do need cash fast, the very few institutions we feature here are the only ones that have a reliable track record based on our research. When we started this site, we thought of ourselves (husband & wife) years back. Many times I had to head off to sell blood (or plasma which paid twice as much) and knew what it was like to be in a bind. Often too I would go to the boss where I worked and ask for a cash advance on next week's salary. In those days there were no "Payday loans", no credit cards or credit card advances or even ATM's so the options were limited. There were high finance rate institutions that I recall my family going to when I was growing up.

Of course now it's never been easier to come by money that will need to be paid back. It was easier before the banks themselves over-extended themselves with lending and even borrowing money to finance their own banks back in 2008. Then it all crashed. You don't want to crash. We don't want you to crash.

When we started this site we had some misgivings about helping people get more easily in debt. At the bottom of the page, you'll see it says "Pro liberi". No, that's not Spanish. It's Latin meaning "For the children". We gave the very modest profit we made off this site to our nieces and nephews, themselves struggling in this tough economy.

Last year, when we ourselves found ourselves struggling too after 20 years of modest prosperity and I saw neighbors who had worked hard all their lives suddenly worrying about whether they would be able to keep their modest houses, we took this site offline.

We've brought it back with a little more cautionary advice and but two financial resources that we checked out with the BBB and their records are satisfactory. Each had one complaint lodged against their firm. That is not at all unusual in business. You may have heard the saying, "You can't please all of the people all of the time". Few if any businesses have never had a complaining client or customer so a single complaint gets graded by the BBB as an "A-". Again I think you'd be hard pressed to find too many businesses that have been around for any length of time that have managed a steady "A".

So check out the cash loan offer carefully if you absolutely need that  cash now in your hands.  Then pay that loan back as quickly as you can and try to make a long term plan to handle the next time you run into a financial emergency.  I know it's tough. Some sort of savings method that works for you even if it just involves putting away one dollar a day.  You can probably do that much of the time if you think about it.  And it does add up!  Interest rates stink, so don't be fooled by the "miracle of compounding" that you hear so much about, but try to hold onto some small amounts of money that you'll find you may not even miss.

Is anything as easy as it was before for the average person?  Obviously we don't have to answer that question for you. Stockholders consider it a blessing when jobs are eliminated.  Housing in many areas is being built for millionaires only. The pension, that reward for your years of labor, is pretty much a relic of the past.

What can we do?  Just keep on trying to make ends meet.  Try to make sound financial decisions when it is possible.  Hope that at some point, federal, state and local governments get some clue as to the needs of the overburdened worker and if it is somehow to their advantage vote-wise, offer something more than empty promises at election time!

Again, the only advice we can honestly give you to improve your finances is to try to save a little money when you can.  We won't try to fool you with any "If you think you're rich, you'll be rich" nonsense and all those other schemes that only make the speaker rich..  Bottom line is that the people who really  know the secrets to getting rich, whether through the stock market or other high paying investments ain't telling!

We don't have an exciting rags-to-riches story to tell, but it's amazing what my wife has managed to save over the years by taking all our change each day and stashing it and pulling five and ten dollar bills out of our pockets when we seemed a little flush.  Much of that precious money went into savings accounts and CDs where it still stays.  Some of it allowed us to take modest vacations paying cash that would have cost us twice as much in the long run had we put that vacation on a credit card!  We still fell into the credit trap over the years for varying reasons, that's why we aren't preaching to you.

Over time, thanks to my wife, we've managed to go from minimum wage people who couldn't get a Sears credit card to people who have enough in the bank to qualify for the free checking and all that jazz.  It does give us pride.  We started out 30 years ago in a gritty 5th floor walk-up tenement with 3 items of furniture, a blanket, a ladder (that functioned as everything from a table, chair, desk, etc) and a clock radio.  Now we've lived in a modest condo in a safer neighborhood for nearly 20 years.  That wouldn't impress most people, but personally we look back with a sense of real pride.

By the way, presenting  PayDay Loan Options to those in great need of quick cash brings us a little extra money each month, but we're not buying any yachts!  Can't swim anyway and wouldn't know what to do with a yacht.  The important thing is pay that PayDay Loan back quickly.  To be honest, I think we're still paying on a credit card for car repairs from that 1972 Chevy Nova we gave up in 1990!  Learn from us though your options are limited when a steering rod snaps on the West Side Highway in NYC at 4:00AM.  Or your water pump goes in a tunnel on the FDR Drive and hear them talking about you on the traffic report on the radio.  Now we've got 4 year old sub-compact that means more to us than a garage full of vintage Mercedes would to a rich person.  Be thankful for what you've got!  We pray that you'll see better days too!

IMPORTANT:

Free Mammograms - Please take advantage!

We know it's hard to comprehend sometimes, especially in our worst moments, but most of the world is in more dire straits than us!  Give back a little, you'll be repaid tenfold someday!