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Who Wants Guaranteed Loans For Bad Credit?

Is there such a thing as “Guaranteed Loans For Bad Credit”?

Have you ever found yourself in that situation? – Where your debts are continually mounting up, all of your creditors are phoning you every other day and you’re unable to find a real solution to your problems!

That’s when you find something financially challenging and unexpected comes along and gives you yet another huge problem and forces you into frantically looking for some immediate funds. However, you can’t afford to pay for what you have now, you’re in trouble with your creditors and no credible lender is going to look at you.

That’s when you start to become inundated with calls and adverts for people who offer Guaranteed Loans For People with Bad Credit. The problem being they are going to charge you the most extortionate of interest rates and monthly repayments.

So where do you get that fast injection of cash?

There have been organizations created to actually make this search far easier for you. They usually provide you with a membership and then issue you with a substantial amount of information via a huge database of lenders willing to help and give you that all important loan. Usually you will have to pay a small one-time fee..and i mean small, but this will not only give you access to this huge database of lenders, you should also be provided with online or telephone support and also many unknown government resources to help you obtain a loan.

Most of the lenders on the database will offer guaranteed loans for bad credit or even a bankruptcy. The lenders are willing to lend money for almost all purposes whether it be Auto Loan Financing, Personal Loans, Mortgages or Credit Cards.

If you absolutely have to get that loan today and you’re still unsure how to get Guaranteed Loans For Bad Credit, then Click Here immediately to learn what other people are doing to get approved. 

Hi i’m Sam Renstaff. I’m an ex Bank Manager who felt the recession in it’s full force towards the latter part of December 2007. The best Christmas present ever – I was made redundant! ok maybe not the best…and i went from a very comfortable job where i was earning a very comfortable living – to spending the best part of a year living off credit!! (and believe me you have access to a lot as a Bank Manager).

Anyway things are looking up now…slowly but surely!

I have recently taken to writing about my experiences and considerable knowledge of the Banking industry and am merely sharing my opinions on paper.

You can check out my blog at http://badcreditfastloans.blogspot.com/

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Can A Guaranteed Approval Credit Card Really Help If You Have Bad Credit?

Once you get into a situation where your credit is no longer recognized as being acceptable, you begin to find that it can definitely put your life on hold. You need some way to be able to start rebuilding your credit and you are wondering how. Although there are more ways than one, one effective way is to get a guaranteed approval credit card. Here is how it can help you get a better credit rating.
When looking for your guaranteed approval credit card, you need to be aware that they are different from regular credit cards. They pretty much work the same way, but are made to ensure that the credit card company is at a place where it can minimize potential loss.
In order to do this, they place a number of fees on your guaranteed approval credit card. These will already be on the card when it is issued to you, and will then leave you with a minimum amount of room to be able to charge anything. In fact you may be able to charge about $100 – and possibly even less for your first bill. Some of these cards will give you a little more room to charge more.
Compare the rate of interest on the various offers for your guaranteed approval credit card. These are generally higher than most other credit cards – again to minimize their risk. Typically it will be above 19%. Of course, this is hardly competitive for a regular card, but if you can endure it for a while, your credit rating will slowly improve and soon you will have better offers come your way from the same company.
Be sure to look at all the fees that apply to the new card. The reason that it is called a guaranteed approval credit card is largely because of the fees that apply. Another one you will have to contend with is the annual fee, which will usually be more than $125.
An alternative to a guaranteed approval credit card is a secured credit card – but it will cost you even more. The expenses for this kind of credit card come from the fact that you will have to open a savings account that is usually equal to the amount of your credit limit. So, you can see, the guaranteed approval credit card is the cheaper of the two ways to go.
One very important thing that you must find out before you apply for your new credit card is if they report to the credit bureaus. This is a must, because if they do not, then it cannot help you at all. Regular reporting means that you can raise your credit rating as long as you make your payments on time – every time. Also, keep in mind the hefty interest rate – paying on time will also save you some money, too.
Before you sign on to any such deal, though, it is always a good idea to check out the company that you are dealing with for any business. Many new companies are fraudulent, and, for this reason, it may be a good idea to stick with the major name companies.

Joe Kenny writes for NationsFinance, offering views on UK credit card offers, visit his new site today for more credit card comparisons and related information. Visit today: http://www.nationsfinance.co.uk

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Bad Credit Guaranteed Payday Loan ? What you Should Know

You can get a bad credit guaranteed payday loan when you need immediate cash for urgent payments. It is easy to apply for a payday loan online. It is the best solution if you need a small amount of cash urgently and your payday is still a few days away. You can borrow from relatives but that makes you indebted to them which most of us do not want. The best thing is to take a no fax guaranteed payday loan for a small amount of cash because you can repay it on your next payday. Advantages Of Taking A Payday Loan

There are many reasons why most people prefer to take a bad credit cash advance. The main advantage is that it is easy to apply for a loan online. You can submit the online application form which you can find on the company website. Once you do that, you can get an approval almost immediately. Within twenty four hours the cash is deposited into your account. This is the perfect solution for amounts up to $1000 as it is a short term loan which you have to repay when you get your next paycheck.

Another advantage of a personal unsecured guaranteed payday loan is that there is no need to fax any papers to the lender. They process all the details electronically and as long as you provide the information they need, you do not need to fax papers to them.

A major reason why the bad credit guaranteed quick cash advance is so popular is that there is no credit check conducted. The main reason why banks do not approve loans is when a person has a history of bad credit. This is not so with a personal unsecured guaranteed payday loan. Even with a not-so-perfect credit history, you can still be approved for a loan till payday.Things To Be Aware Of

Most loans have some fees attached to them such as processing fees or service charges. These fees are usually higher than regular bank loans. The annual percentage rate or APR is another factor to consider. Sometimes you may end up paying as much as 600% as APR. The minimum interest amount works up to about $15 for every $100 that you borrow. So before taking a bad credit guaranteed payday loan, it is advisable to compare the fees and rates of different companies so that you can find the one offering you the best deal.

The best thing about a bad credit guaranteed payday loan is that there is no credit check conducted. A history of bad credit will not deter you from getting a guaranteed approval payday loan. But we careful that you should not make taking a personal unsecured guaranteed payday loan a habit. Visit guaranteed payday loan for more information.

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Credit Cards Guaranteed – A Review to Help You Find the Top Guaranteed Credit Cards

Many people want credit cards guaranteed for approval, as obviously they don’t have to sweat out the waiting process of finding out whether they were approved or not.
Typically, people looking for these cards have low credit scores, and find it hard to get approved for a regular credit card, which is why they are looking for guaranteed approval.
Your initial reaction might be to avoid using credit cards, due to your low credit score, and try t o pay for everything with cash. However, one of the important things you need to remember about these is that they offer you an opportunity to instantly start raising your credit score, very important for someone in your position.
Also, these can actually help you, because they generally come with a low spending limit, which makes sure that you don’t spend more than you could afford, which is how you got into this situation in the first place. Hopefully, this will instill into you the habit of spending what you can afford and therefore building up your credit in this manner.
Typically, when it comes to credit cards that are guaranteed, you don’t have to worry about credit checks (hence the term credit cards guaranteed). If they looked into your past before granting you the credit card, they obviously would not be guaranteed.
However, an important note about these cards is that they always come with higher interest rates than your ordinary credit cards, simply because of the risk you represent to the company giving you a card.
Of course, before you go through with this process, don’t just accept the first company you see. Make sure to compare the various firms and find the best interest rates around.
This can be done very quickly and effectively online-just take a few minutes to fill out each application, and you can instantly receive tens if not hundreds of quotes in just a few hours, which will help make the decision of which credit cards guaranteed to go with much easier.
Be sure to look for low long term interest rates versus short term- quite simply, many companies offer dirt cheap initial rates in order to get you hooked, and then they raise them a lot in a matter of a few months, once you are already sucked in.
Another tip is to budget weekly, and make sure you don’t spend more than that amount. Quite simply, figure out how much money you have available to spend for the week, and stay right at or under that amount, and you will be able to pay off your bills on time, and therefore raise your credit quickly.
The important thing is that you learn from your past mistakes and improve your financial habits in the future. This is where budgeting comes in, and if you do this properly and every week, you will find your credit score going up very quickly.
Finally, consider hiring a credit repair company, as these firms are experts in the industry, and can help you raise your credit score much more quickly than doing the methodical paying your bills on time method.
Therefore, finding long term rates is much more important. Hopefully these tips on credit cards guaranteed will help you find the right one to help you raise your credit.

To learn more important info about credit cards guaranteed, check out http://www.internetcreditinfo.com, a popular online finance site that teaches you how to improve your credit, eliminate debt, and achieve financial freedom.

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Guaranteed Loan Approvals for Bad Credit

For individuals who suffer from bad credit, guaranteed approval loans provide short-term assistance to meet their financial needs. The only factor that can disqualify one from getting a guaranteed loan approval is an on-going or recent bankruptcy.Nevertheless, if the problem is with regards to your low credit score, you can apply for this type of loan as a way to redeem your damaged credit.
How to Apply
What are the procedures involved in applying for a guaranteed loan? There are various ways to apply. Application can be done over the phone, from the lending company’s website or by personally visiting the lender’s office. Most applicants prefer to apply online because it is fastest and most convenient. All one has to do is fill-up an online form, submit and wait for a response for as little as 24 hours.
Can anyone qualify?
Is it really easy to get an approval? Technically, the procedures involved in applying for a guaranteed loan are easier than a regular loan. As with other loans, a borrower must be of legal age or at least 18 years old. He or she must also have earnings of at least $1200 or above for the past three months. An active checking account is also required although a high credit score isn’t necessary. Once approved, the borrower can receive his loan in cash the following day via electronic transfer.
Consequences of the Loan
Yes, the application process is fairly easy but this doesn’t mean borrowers should take their payment obligations lightly. When searching for a guaranteed loan, an applicant will be required to sign a contract. The rules and conditions of repayment vary between lenders so a borrower must see to it that he clearly understands the terms of his lender. Generally, lenders will automatically debit the repayment amount from the borrower’s checking account if he/she fails to submit payment on time. Other repayment options may apply depending on the lender.
As with any type of loan, consumers are warned not to make decisions in a hurry when looking for a guaranteed loan lender. Since getting approved can be done in a few, easy steps, the borrower must also take his time researching for the best lender to apply to. There are lenders who provide guaranteed loans that take advantage of their client’s financial needs. Some lenders may impose excessively high interest rates which can only cause a person more serious debt problems.
Finally, always remember that guaranteed loans are not meant as a long term financial solution. These loans are easy to obtain but they do have higher interest rates than regular loans. It is best to seek out other possible alternatives before getting this type of loan. If however, you feel that this is the best option for your short term needs, see to it that you’ll be able to make your payments on time to avoid incurring high interest rates on your debts.

Liz Roberts is a freelance writer and loan consultant. The website http://www.badcreditresources.com offers resources that specialize in providing bad credit loans and bad credit cards