If you need 1300 dollars in a hurry, you are probably up against a wall. You need money fast but that kind of money is not particularly easy to get. Luckily, Tina can help you. I can get you access to one of the largest networks of lenders on the internet. Lenders who may be able to get you approved even if you have bad credit.
Your Fast Quote
In just a couple minutes, you can complete the very short loan quote form and get an answer.If you like the offer, you can have the money in your account as soon as the very next business day. Don’t like the offer, just walk away, it is as simple as that.
After you finish completing the quote form, just hit submit and your info will go out to the loan network. The great thing about a loan network is that there are more lenders available, which means that your odds of getting an offer are improved. Your form will go from lender to lender until one is found that wants to make you an offer.
If you receive an offer, you will have the chance to review all of the details and conditions of the loan. If you like it all, you can accept it and your lender will attempt to get you your $1300 dollars as soon as possible. In many cases, you will get money as soon as the next business day.
If you decide that you do not like the loan offer, you can simply turn it down. You are under no obligation and the quote is free, so you have nothing to lose.
Accepting Your Loan
If you decide that you want to accept your $1300 loan, your thoughts should first turn to how you will make the payment. Hopefully you have a budget. If you do, fit the payment into the budget and see how it works. If you do not have a budget, just write down all of your bills, including allotments for things like food and gas.
If your payment fits your budget, you are good to go. If not, you will need to do one of two things. You will either need to cut expenses or increase your income.
This is probably the easiest way to fit your 1300 dollar loan payment in because there are literally dozens of ways to cut expenses.
Start with the big bills first like car insurance. If you have not priced it in a while, make some calls and see what kind of discount you can get off your rate. If you can get $250 off of your annual premium, that is over $20 a month in savings.
Another big one is cable or satellite which is a bill that can easily go over 100 dollars a month. That is 1200 dollars a year by just cutting the cord. Switch to a cheap streaming service like Hulu to take its place.
Besides the major bills, you can also make a lot of small changes that can add up in a hurry. Just taking your lunch to work every day can save you $5 to $10 a day. You can also slash your regular grocery bill in half by switching to staples that you buy in bulk. Start basing your meals on cheap rice, pasta and potatoes. These are nutritious items and they cost pennies per serving.
It sounds like a tough thing to do but really, these days, it isn’t. With the economy the way it is, employers are begging for workers and are raising starting wages across the board.
This means that you can make a nice starting wage even at places like Target and Walmart. In addition, you have the great driving apps like Uber, Lyft and Uber Eats.
If you need a part time job, there really is no excuse anymore for not having one. It is just so easy. And, with the high starting wages, it will probably not take you long to earn the money to make the payment on your $1300 cash loan.
Before You Decide
One last consideration that you should make before you accept your loan is whether it really is the right choice.
To do this, first look at if you are using the money for a necessity or something that you can do without. If you can do without it and you have bad credit, the better choice may be to skip the purchase. Bad credit loans can cost you a lot in interest and/or fees. This means that when you pay back your $1300, you could end up paying double that amount back or more. Think carefully.
Next, you should decide if you have other ways to get $1300. There may be a lot of sources such as friends, family or even your work. Many employers might allow you to borrow against your paycheck or you might have a 401K that you can get a loan from. Free advances are always better than a loan if you can get them.
Tina’s Last Word
Taking out a loan, even a small one for 1300 dollars is something that you should think hard about. The interest can be costly if you have poor credit and this is money that might be better used somewhere else, like on improving your credit.
If you find yourself in need of emergency loans often, it would be in your best interest to seek consumer counseling. A counselor can help you establish a workable budget and can help show you ways to start an emergency savings account.