Online Car Title Loans

SOSTitleLoans250

We have located a car title loan lender that offers a 100% online car title loan application. The S.O.S. Loan’s car title loan process is the fastest, simplest application on the internet. They offer loans from $2500 to $25,000 or more. If you have bad or no credit not a problem because their approval is based mainly on the value of your vehicle. If you already have a title loan with another company they offer a refinance title loan program, that in most cases they will be able to get you cash back. Also, if you don’t have your car title and you are still paying on your loan, S.O.S. Title Loans will in many cases be able to pay-off your loan and get you some car title cash back. See if you qualify for a car title loan now. CLICK HERE

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Los Angeles Car Title Loans

 

 

Second Chance Checking in California

Guaranteed Checking Account Privileges
The following opportunities are guaranteed and offer 100% acceptance as long as you provide the recommended information. While these are prepaid credit cards, you should know that sometimes the cost of these prepaid options are cheaper than local banks and many offer the same check writing and online bill pay privileges. (all links open in a new window/tab)

UPside Prepaid Visa works like a checking account. Write personal checks online. Free direct deposit. FDIC. – Excellent banking alternative offering all the conveniences of a local bank or credit union, including check writing privileges to pay your bills all for only $4.95/mo. You can do even better on that already low monthly fee & reduce it to only $.99/mo when you deposit $500 or more each month. Have bad or no credit?           UPside Visa has most of the features of a checking account for only $1/month. No credit check. FDIC.

The Perfect Alternative to a Checking Account! – Excellent prepaid option that offers online bill pay and a list of features available only to Rush account holders. Monthly fee of $9.95 is comparable to many local banks and credit unions with the same or less features/benefits.
Denied a Bank Account?

The following banks and credit unions are reported to either offer second chance checking in California or do not use check verification services such as Early Warning Services or ChexSystems.

Not guaranteed but worth checking:

1st United Service Credit Union
Alta Vista Credit Union
Altura Credit Union
Bank Of The West
Butte Federal Credit Union
California Coast Credit Union
CD Federal Credit Union
CoastHills Federal Credit Union – 2nd Chance Checking
Federal Employees West Federal Credit Union
Heritage Community Credit Union
Kern Federal Credit Union
MCFCU
San Mateo Credit Union – New Start Checking Account
Southland Credit Union
Telesis Credit Union
Union Bank Of California
United Health Credit Union – Renew Checking Account

Get A Non-Chexsystems Checking Account

Banks are going through a major transformation as we speak. We are currently going through a period whereby banks are being scrutinized more than ever by legislators, by securities commissions, by the media, and by consumers. Banks are being asked, more than ever, to be held accountable for their actions.

In addition to the well-known problems in recent years concerning sub-prime lending, banks are also fighting another battle: that of deciding which prospective customers should be considered as low versus high-risk customers.

If you have been rejected for a new checking account in recent days or weeks, you are probably experiencing a lot of frustration. The truth is, your rejection is likely due to your name having been reported to something called Chex Systems.

What is Chex Systems?

You may have already heard of Chex Systems but not known exactly what it means. It was created by a company called eFunds several years ago. In essence, it is simply a database that banks use to report to each other about customers who have displayed risky banking behavior in the past.

Unlike the FICO or credit score, the Chex Systems does not use a scoring system. Rather, if your name merely appears in the database, you will likely be rejected for a new account by any inquiring bank.

The risky behavior that triggers a bank to report a customer”s name to Chex Systems might include something serious such as bank fraud. But, it can also include behaviors like not paying back your bank after a questionable overdraft fee was assessed against your account, or it could have to do with questions about the way you were using your debit card.

Why Banks are Using Chex Systems More than Ever

Given all of the scrutiny banks are under from the government, they are using Chex Systems more than ever when deciding whether they will approve a new account application. In fact, about 80-90% of all banks refer to Chex Systems when evaluating new checking account applications.

The Good News: You Can Escape!

If your checking account application has been rejected more than once, you are probably feeling very frustrated about your situation. After all, not being able to get a new checking account can really put a cramp in your financial life. And while it is almost impossible to get your name removed from this database, there is a loophole: you can find a bank that does not refer use Chex Systems at all. Such banks are out there, if you know how to find them.

How to Find the Right Non-Chexsystems Banks

To find a non-Chex Systems bank:

  • Look for banks that bill themselves as “second chance checking” banks.
  • Create a list of at least 5-7 candidate banks before deciding upon which one(s) you will approach for a new account.
  • Your candidate list should include a record of the most important features of any bank account, including fee structures, special offers, and terms and conditions.
  • When you do get approved for your new checking account, be sure to read the fine print before signing on the dotted line.

Cutting through the banking clutter requires that you rise above the politics of banking today. Find a second chance checking bank and get the peace of mind in knowing that they will not reject your application.

Get immediate access to a complete list of non-Chex Systems banks in your area at: Denied a Bank Account?

Auto Title Loans – An Answer to Your Urgent Financial Needs

Auto Title Loans – An Answer to Your Urgent Financial Needs

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Get money quickly and that too without the hassles of credit check. you must be thinking that it is some kind of wishful thinking right?? No, it is a reality with Car Title Loans. So in case you are in need of urgent money you can get a loan approved against your car and that too within few moments.

Get money quickly and that too without the hassles of credit check… you must be thinking that it is some kind of wishful thinking right?? No, it is a reality with Car Title Loans. So in case you are in need of urgent money you can get a loan approved against your car and that too within few moments. Now you can do this only if you have the title to your car without any liens against it. If you fulfill this one simple condition, you can avail a loan instantly.

Generally these loans are usually for a period of 30 days. At the end of the period, it is your discretion to pay off the loan or extend it. The peculiarity of this type of loan is that you can extend it as many times as you want. But do keep in mind that whenever you extend your loans, you are supposed to pay higher interests.

Different companies have different rules when it comes to Car Title Loans, so it becomes essential that you shop around, understand the terms and conditions properly and then take advantage of the best option available.

You can apply for this loan easily by filling one simple application form on the internet. After this the company will examine your car and estimate its value, and then according to it, will decide on your loan amount.

Mostly if you decide to go for this loan, it is important to understand that when you get a loan against the title of your car, and if you miss any payment then you are putting your car in danger. It is a great risk for the borrowers as just one missed- payment is enough for the lender to sell your car and earn from the proceeds. So when you think of this loan, be regular to make payments.

For the lender, this is one of the safest options of lending as the car can be sold easily in order get back the loan amount. Also it is generally observed that, loans are for smaller amounts than the value of car, so in case any borrower misses the payment, the lender can earn more profit from the sale of the car.

As a borrower, it should be understood that these loans can be beneficial for a shorter period as these loans always carry the high risk of losing the car, so these loans should be used with due care.
Auto title loans can be smart decision for the people having not so perfect credit. As the loan is given on the title and value of the car thus even a person with bad credit or bankruptcy can apply. We offer low rate car title loan taking advantage of the network of car loan lenders with guaranteed approval while making your monthly payments affordable.

Getting a Loan Through an Online Lender

No matter what type of personal loan you’re seeking—10k to repair your home or $500 to buy a need car part, you can do it online.

Search- Just type in the words “personal loans online” or “online personal loans” into the Yahoo or Google search engines and you’ll see pages and pages of online lenders eager to do business with you.

Unsecured Loans- The amounts you can get online as an unsecured loan are usually from $500 to $1500. The approval process is quick. All you have to do is complete and online application, sign a post dated salary check and send it to your lender. You can usually get the money within a few hours of application.

Secured Loans- You can also apply for more money by securing your loan request with collateral. When you apply online, you get quotes from several lenders quickly. The quotes will show interest rate, APR and repayment time. That way you can compare all of the quotes online in a single place. Then you’ll usually get separate emails from the lenders requesting more information.

As with everything on the internet, do your due diligence to make sure the firm is legitimate and reputable.  You can check with your Secretary of State’s website if the lender’s deffered deposit or lenders’ license is in good standing.

Bad Credit Loans 101

Bad Credit Personal Loans

You, like many people, may experience financial difficulties in your lifetime. If so, you probably still need to buy a car, do home improvements or finance education.

If your credit is poor, who will lend you money? How do you get a loan? What kind of loan can you even get?

Bad credit personal loans are a vehicle where you may be able to secure funds after your credit score has deteriorated.

Types of Bad Credit Personal Loans

While it can be difficult to obtain a loan if you have poor credit, it is still possible. Below are four ways you might be able to secure funding in a bad credit situation:

  • Home equity loans- These might be an option for you. To have a shot at this, you’ll have to making on-time payments on your mortgage. You’ll also have to show that you can repay the loan. To do this, you may have to provide wage statements, tax returns and/or proof of employment.

However, they’re convenient because they free up the equity in your home. In addition, you can borrow at a better rate than an unsecured loan because your home is used as collateral.

Some other advantages of this type of bad credit loan are:

  • It’s designed for people facing credit problems
  • You’ll deal with a bad credit personal loan specialist who understand your situation
  • They can help you repair a negative credit score
  • Financial institutions are becoming more flexible about bad credit personal loan applications in home equity situations

However, you want to be careful here because if you can’t repay for whatever reason, your home could be lost to foreclosure.

  • Cash Advance or Payday Loans- These places ask you to provide you last few pay stubs. Then, they advance a loan based on your paycheck size. While easy to get, the repayments can approach $30 on a $100 loan.
  • Title Loans- If you own a car and it’s in your name, bring it to the loan agency. They will tell you the maximum amount you can borrow based on the car’s value.

These loans carry high interest charges. Also, if you don’t repay the loan, your car will be repossessed.

  • Community Loans- At these websites, you establish an account using your social security number. You credit score is then ranked. Depending on where you fall, you’ll probably secure a loan although it may run at a 20 percent or higher interest rate.

An interesting point about these sites is that users tell the stories about why they need the money. They then pay back the loan. The lenders get their money back plus interest.

There are several sites on the internet where you can apply for and get bad credit personal loans. Many of the loan amounts are low (in many cases, up to $1500) but if you can repay the loans, it can be the beginning of rebuilding your credit history.