The Dos and Don’ts of Getting a Car Title Loan

When you need money quickly, you can feel as though your whole life has become unbearable. The threat of debt seems to turn even the most regular activities into constant sources of worry, and every dollar you spend can look like a mistake. There’s no reason to panic, though, even if you’re in rough financial shape. If you own a vehicle, there’s a good chance that you may qualify for a car title loan, which can get you the money you need fast. [click to continue…]

Why Renter’s Insurance Is a Good Idea

Renting a home or apartment is a great option for many who do not want to deal with the headaches of home ownership. As a renter, you can usually deal with plumbing problems or electrical issues by calling the landlord. Homeowners, however, must take care of those things by themselves and, in many cases, those problems end up costing a homeowner. Renters do not pay anything when a landlord comes to fix the pipes or correct an electrical problem. [click to continue…]

What to Do When You Have Bad Credit

Improved-CreditIf you have applied for a loan or a credit card and got denied because of bad credit, you are not alone. Millions of Americans have poor credit histories and, as a result, have a hard time borrowing and establishing new lines of credit. Don’t fret. There is a way to rebuild your credit standing. [click to continue…]

Using Apps to Save Money

As a consumer, you should be looking for any possible way to save money. Using today’s technology, you can save hundreds, if not thousands, of dollars a year. There are several apps available for download on your smartphone that can help you increase your monthly cash flow. Here are a few. [click to continue…]

Tips for an Efficient Trip to the Car Dealership

If you are looking to purchase a car, new or used, visiting a dealership can be a dreadful experience. The whole process of buying a new car can be very frustrating. That is why it makes sense to prepare in advance to get the most out of your visit to a dealer. Here are a few tips that will make your trip to a car dealership much more efficient and, hopefully, less frustrating. [click to continue…]

Making It Through Unemployment

If you have ever lost a job, you know it can be difficult. While your source of income stops, you still must find a way to pay the bills. Finding another job takes time, so you might find yourself unemployed for several weeks. Here’s how you can maintain your sanity and get through this difficult time. [click to continue…]

How to Manage Your Emergency Expenses

Emergency FundToo many people are unprepared should they face a serious financial crisis. That is why it is important to begin preparations to handle such an emergency. To get through times such as a job layoff, there are a few things that one should have in place. A savings account with the equivalent of six months’ worth of expenses is the first step. Should you lose a job, this emergency fund will allow you to pay all your bills without earning a dime. [click to continue…]

Car Title Loans: What You Get & What You Pay

Car title loans are an easy way to borrow money in the short term. While most believe that car title loans are very costly, that is not always the case. To qualify for an auto title loan, an individual must own a vehicle, preferably paid off in full, have a clear title, and be willing to offer the vehicle as collateral. In many cases, a car title loan is a best-case scenario for a short-term loan. [click to continue…]

Buying a Used Car with Bad Credit

It is much easier to buy a used car than a new car if you have poor credit. These days, there are several options available in the used car market. Potential buyers can find thousands of quality economically priced vehicles for sale. [click to continue…]

Why You Should Steer Clear of Credit Card Cash Advances

If you own a credit card, it is likely that you receive offers now and then to utilize a cash advance. Most credit card companies will permit their cardholding customers to withdraw cash, up to a certain amount, from an ATM or at a bank. Before you consider taking a cash advance on your credit card, you might want to consider some other options. [click to continue…]

Top Reasons Why Car Title Loans Are So Popular

When the U.S. economy took a dip into recession in the late 2000s, one of the effects was related to borrowing. Those looking to borrow to pay off debt found it much harder to qualify for a loan. Banks and other lending institutions would only approve those with the highest credit scores and the best payment histories. As a result, an alternative loan market began to arise – car title loans. Over the past decade, auto title loans have become more and more popular. Here’s why. [click to continue…]

The Positive Aspects of Car Title Loans

Car title loans have become a more popular form of borrowing over the last decade as banks and traditional lenders have tightened their lending requirements. For all the bad publicity that car title loans receive, there are several positives associated with them. Let’s look at three. [click to continue…]

The Dangers of Credit Cards Explained

Credit card offers are everywhere and credit card companies, while stricter these days, still sign up new customers every single day. If you are one of those credit card owners that companies love, you are likely in debt. Credit card companies prefer it when you carry a balance on your card because they can charge you interest on it. For too many people, not understanding how credit card companies make money is a huge mistake. [click to continue…]

Importance of Auto Title Loans

When there are major financial decisions to be made, people often seek out financial institutions for help. Ever since the economic downturn that started in the late 2000s, banks and credit unions have been much more stringent in their lending practices. Gone are the days of the no-income, no-asset loans, as well as loans for borrowers with bad credit. Without a solid credit history and a stable employment history, you are likely to be declined for a loan from your bank. That is why car title loans have become so important. [click to continue…]

Car Title Loans Are Legal and Safe

Car title loans have become more popular over the past decade as financial institutions have tightened up their credit requirements. Borrowers who could easily turn to their banks for loans are now having to find alternatives. As a result, the number of vehicle title loans has increased dramatically. These types of loans have received plenty of negative publicity giving many people the wrong impression. When used correctly, a car title loan is perfectly legal and safe for a borrower. [click to continue…]

A Responsible Plan for a Car Title Loan

There are many potential borrowers these days that have limited alternatives. With the tightening of lending standards over the last decade, borrowing from banks and other financial institutions has become much more challenging. Car title loans have become more popular as a result. Some view these loans in a negative light, but if a borrower has a plan, a car title loan can be the perfect solution to money problems. [click to continue…]

Your Guide to Saving Money in 2017

Who doesn’t want to save more money in 2017? Whether you are saving for retirement, for a vacation, or to make sure you have an emergency fund, anyone can save in 2017. It will take some discipline, but here are some things you can do this year to grow your savings. [click to continue…]

What to Look for When Shopping for Car Title Loans

The car title loan has become more popular over the last decade as an alternative to financial institutions and their tighter restrictions on borrowing. The financial crisis that rocked our nation in the late 2000s made banks and other financial institutions more careful with their lending. Thus, many individuals who could borrow pre-crisis, now cannot. Car title loans, like those offered by Embassy Loans, are a viable alternative. Here’s what you should look for when shopping for a car title loan. [click to continue…]

The Perfect Loan

Car Title LoanTrying to borrow money through conventional means these days is difficult. Because of the financial mess of the late 2000s, banks and credit unions have tightened up their lending standards, and often only the candidates with the best credit scores are approved for loans. What if you your credit didn’t matter? What if you didn’t have to wait several weeks before finding out whether a lender would approve you for a loan? It is possible for certain people. [click to continue…]

Break the Deadly Cycle of Payday Loans

LoansPeople who have borrowed money from a payday lender often find themselves caught in a dangerous cycle of using payday loans to take care of their finances. Payday loans are usually for a few hundred dollars and used by borrowers to pay rent, a car payment, or other bills. These loans are short term and are given based on the borrower’s paycheck. The borrower is basically getting an advance on a future paycheck, which he or she signs over to the lender. When the borrower gets paid, he repays the loan amount plus a fee. [click to continue…]