For many across the country, the thought of borrowing money is frightening. The recent economic downturn led to unemployment, foreclosures, and overall financial devastation. Many individuals watched as their credit histories fell apart. Credit history is a big factor in the approval [continue reading…]

Borrowing money from a financial institution is hard enough when the borrower has good credit. Borrowers with bad credit have limited options, but there are some alternatives to a conventional bank loan. Having good credit can open some doors for borrowers, but having bad credit [continue reading…]

Are you a subprime borrower? You are if you have a poor credit score, insufficient credit history, or some combination of the two. With a credit score of below 620, you will find that attempting to open new lines of credit or borrow money are nearly impossible. Credit card companies, department stores, and more will most likely not extend credit to those with low scores. [continue reading…]

If you are currently having difficulty making your rent payment, as well as your other monthly bills, you have a few different options. You could also go the conventional route and attempt to get a small loan from a financial institution. Many banks do not even offer the opportunity to borrow small sums, like $1,000, of money. The other problem that you may run into is going through a credit and background check. You will need to have job to prove that you have the income to repay the loan. If unemployment is part of your financial problem, you will not be able to secure a bank loan. [continue reading…]

When the bills are piling up each and every month, it is often difficult to find the necessary funds to meet all of your financial obligations. When you need cash fast, one of the easiest ways to obtain it is through an auto title loan. Embassy Loans, a licensed consumer finance company, has been providing car title loans for almost a decade. There are other sources of emergency funds, but a title loan may be the key to your making ends meet. [continue reading…]

When you are unable to pay off a debt, and cannot work out a payment arrangement with a creditor, the creditor will most likely turn your bill over to a collection agency and report the delinquency to a credit bureau. This generally happens three months or so after you default. Debts likely to be turned over to a collection [continue reading…]

Title loans have a bad reputation.  Your friends will tell you they are a rip-off and numerous articles warn you how “bad” they are.  The problem is none of those friends or articles can tell you where you are supposed to borrow money when times are tough.  Especially in Florida, where the industry is heavily regulated, title loans are actually a great choice.  There is no easier, faster, or more hassle free loan available to folks with a less than perfect credit score. [continue reading…]

So your credit score isn’t good.  You’ve had some problems, and you need some cash to help get it all behind you.  No one loans to someone with bad credit, right?  Well, it turns out that’s wrong. [continue reading…]

If you are like many Floridians, you have debt that you need to take care of. Fortunately there are some ways that you can find to pay that debt down, you just have to be a bit creative and think outside of the box. Here are a few ways that you can find the money to pay down your debt [continue reading…]

If you are one of the millions of Floridians who are struggling to make ends meet, you may be considering some type of loan. There are two main types of loans you can get if you don’t have good credit: a car title loan and a payday loan. Many people lump these two loan types together, but the truth is, they are very different. [continue reading…]

If you are like many Floridians, debt may have gotten out of control and you may think that debt consolidation is the way to go. The truth is, though there are certainly pros to debt consolidation, there are also cons. By understanding the pros and cons of debt consolidation, you can easily find out if this is for you. [continue reading…]

If you are like many other Floridians, you may have a credit score that isn’t at a level where it should be. Many things can cause a credit score to fall including late payments, unemployment, medical bills, too many inquiries, and bankruptcies. All of these things together can cause your credit score to slip and once it falls, it can be difficult to bring back up again. However, there are some things you can do to raise that credit score, for good. [continue reading…]

Have you seen ads around Florida that offer car title loans? You probably think that they are just an easy way to get money, right? What you probably don’t know, is that getting a car title loan can actually help you with your financial situation, even if it currently looks a bit rocky. It doesn’t matter if you are falling behind on your bills, [continue reading…]

If you are like many people the past few years, you have needed a little bit of financial help. Typically when this happens, you will attempt to get a loan. Unfortunately, because so many people have also had credit issues because of the financial crisis, they have been turned down for loans in droves. On the flip side of this, however, is that there are still some lenders who are willing to give loans [continue reading…]

We all need money in a hurry at times and this is why monetary loans exist. There are several types of loans that are available in Florida and many that allow you to get money quickly. One of these, car title loans, are superior to other loans for a variety of reasons. Though you will have your choice of personal loans, payday loans or even bank loans, you simply will not get the same benefits that you will get when you choose a car title loan. [continue reading…]

Millions of people in the country have bad credit and many of those people live right here in Florida. If you are one of them, you know that many times, the hassles that are associated with bad credit can really put a damper on your day and can even negatively affect your livelihood. From phone calls from creditors asking you to pay off your bills to wage garnishments and law suits, all are possible when you have bad credit. [continue reading…]

If your credit rating is not that great, you are not alone. In this economy, a lot of people have credit scores that are not so hot. A poor credit score can affect your ability to rent an apartment, find a new job, and get approved for all sorts of loans. However, it is possible to improve your credit score over time. It will take some work and dedication on your part, but the results are really worth it. Here are some great tips on how to improve your credit score: [continue reading…]

Whenever you borrow money, or pay a bill, you add information to your credit history. Since there are so many of these transactions, it wouldn’t be possible for a banker to review each and every one. For that reason, the “credit rating” was invented. A computer reviews all of your bill paying habits and comes up with a score between 300 and 850 that tells a potential lender [continue reading…]