Advance America Cash Advance Corporate Office
Just when you thought everything is perfect, you have your money budgeted and you thought you just have saved a few penny for this month, and then suddenly one of your family members got sick, or your car needs repair. These things do happen; we are not fortune teller to know what would happen next. No matter how we budget our monthly income, sometimes, we want to buy something we want. Because we sometimes want to pamper ourselves and use a few pennies on our savings, this can make a huge difference when we then encounter an unexpected emergency need of cash.
When we say “emergency” that means the need of money is in the stage of extreme, or maybe you need it within the day. It is something that needs to be taken care of right here right now, or just within the day. The length of wait time given to people depends on how heavy the situation is. Some establishment gives you ample time to be able to get money or extends the repayment, but not everything or everyone does this.
In moment like this, our first move is to use our savings account, if not enough, we may want to ask for help from a family member or maybe just file a loan. When we say file a loan, we can go for a long term loan which is usually from a bank or a short term loans like payday loans. Here are things I have in mind, whenever I think I’m in need of extra cash; these are the things I consider:
The interest rate
The amount of time I have left
The amount of money I will be able to borrow / if it will be enough
How much effort I have exerted to have it
And the effect it will do in the future
Interest rate- this is the amount of money, one company can get from me because of the favor of borrowing money I need.
Time I have left-If the need of money is “today”, that means I have to have that money “today”. This would narrow down my search of possible lender. Not all lending company provides the money you need in a short period of time. If you lend from a family member, it would depend on the availability of their money. If you choose to borrow from a bank, you will have to fulfill their requirements then wait for a few days or maybe weeks. If you choose a payday loan, as long as you have sent their requirements, you can get the money with 24 hours.
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