Category: Loans

Often, speed is everything with loans. It’s one of the major factors that makes consumers decide to go for unsecured loans, rather than the more conventional kind of secured loan offered by a bank or building society. When you need quick cash, a lengthy contract and months of credit checks, value assessments, and negotiations can be obstructive. Many Brits are faced each month with a gap between the day their rent, bills or loan payments are due, and the day that their month’s pay come in. When this is the case, a little fast cash on the right day can prevent disaster. So every month, some consumers are looking for cheap loans which don’t take much time to arrange.

Time scale is a problem for those who prefer to make use of conventional, secured loans such as mortgages or bank loans. The reason? Collateral. A ‘secured’ loan neccessitates the pledging of high value property – usually the borrower’s home – which becomes the property of the bank or other lender if repayments of the loan fail to be made on the timescale agreed. A secured loan is usually designed to be repaid over a long period of time – years or decades – and means that if one of the repayment instalments isn’t made, the security can be repossessed: this is how the lender can afford to pay out large sums.

When providing a secured loan with property as the collateral, the lender has to determine how much the property is worth before deciding how much money to lend (so that they know how much they may potentially gain in the event of non-repayment). This means working with estate agents, legal advisors and finance experts before a loan can be offered. And when you need quick cash to pay off a pressing bill, this kind of loan will simply take too long to arrange.

For those who need quick cash, unsecured loans are the most common way to get it. Unsecured loans can sometimes be made on the same day that they’re applied for, and will rarely take more than a week or two to arrange. This is because there’s no collateral, or property pledged – instead, the lender makes money by charging a high rate of interest (which could be any sum from relatively cheap loans at 7% up to 50 or even 100% from some organisations.) The borrower gets fast cash – and on payday, should repay the loan as fast as possible, to avoid too much interest mounting up.

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cash advance solutions are often sought by people who need loans straight away for a whole variety of reasons that need not be revealed to short term loan providers. Whether you need a small or larger sum of extra cash to see you through a tough patch in your finances, these loan providers can help you by lending you an amount of money that you can determine yourself, typically from £75 to £750. If ever you find yourself unexpectedly hard-up and in need of cash quickly it is a good idea to look to a company offering instant loan approval as it will respond to your needs immediately and trust you to repay the amount of cash you have borrowed.

It always helps to know who you are borrowing your money from and that your finances are in safe hands. For this reason it is worth to go to a nationally-based short term loan providers company for your cash advance solutions. With loan providers that are owned and operated in the UK you can rest assured that your money will not disappear to any far-flung location. Furthermore, check a company is a lender, not a broker, meaning that your money will only go in two directions following your instant loan approval: in the first instance cash will go from the loan provider to you as an advance, and then from you back to the loan provider as a simple repayment. All of this will allow you to keep tabs on your financial dealings without concerning yourself with stocks and shares and foreign markets.

The borrowing process really couldn’t be simpler. When you are seeking cash advance solutions you need look no further than a company whose main requirements simply consist of you being a UK resident over 18 years of age, employed and earning over £500 per month, and in possession of a current account and debit card. If you meet these conditions you will almost certainly already be well on the way to solving your temporary cash shortfall. Instant loan approval means that no time will be misspent in undertaking credit checks. Your credit rating won’t even be affected if you borrow from short term loan providers. This is because the companies understand your cash problems will only be short-term – cash advance solutions are there for all those people who simply need an occasional helping hand to make ends meet for a while.

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It is regularly said by astute people that there is more to life than money, but there is no denying the fact that a dearth of money can be very stressful and have a large negative impact on people’s lives. Finding a magic lamp, rubbing it, and having a Cash Genie materialise to solve your cash flow problems is a castle in the air, and impractical. There are, however, a number of ways in which the stresses and strains which can be caused by an insufficiency of funds can be alleviated. The resolution of such financial problems can then permit people to concentrate on those things which are really important in leading an enjoyable and rewarding life.

The main thing to remember when thinking about your finances is to draw up a budget and to stick to it. Sometimes, however, there can be unanticipated expenses which disrupt even the best laid plans. One option if this happens to you is to take a short-term loan. If you do decide to do this you should always use a reputable business and never a loan shark. Through a reputable company you can arrange a short-term loan for the amount you need while you reorganise your finances to meet the unexpected expense. This can be a useful course of action if, for example, you know that your next pay cheque will arrive shortly, but you need money quickly to meet a sudden, but important, expense or to avoid going overdrawn.

Searching for such companies on the internet will reveal examples of the ways in which short-term loans can be arranged. Often you need only to give your details (including home address and banking information) to get access to a small loan. It is rare for these companies to check your credit rating as part of the process of arranging a loan, so if you have a very poor rating, for whatever reason, this can be a very useful facility. The important thing to be aware of, however, is that if you fail to repay the loan by the agreed deadline it is likely that your credit rating will be adversely affected, even if the amount you owe is only a very small sum.

If you frequently find that you need to borrow money to meet your financial obligations each month then other loan programs or financial advice are likely to be more beneficial. The good thing about a short-term loan is that, like a Cash Genie, it can provide a quick (if temporary) solution to a brief shortage of cash.

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Cash Genie provides short-term loans of any amount from £75-£750 that can be paid into your account on the same day. Hopefully you won’t have the cash flow issues that mean you need a short term loan, but it happens to most of us from time to time, and sometimes the quickest and simplest solution to the problem is the best one, because it can give you peace of mind and enable you to concentrate on the important things in life.

Especially now, in troublesome economic times, people who never expected to experience money issues are feeling low on cash. Cash Genie is able, and always happy to help, but also always encourages responsible lending and borrowing. Some people these days are having to make do with smaller budgets, which means taking into consideration various saving techniques that they are not used to. They have grown accustomed to a certain lifestyle, with the luxury of not having to think too much about what brand of pasta to buy, for example. Now, though, it would be worth their while to consider things like this.

Keeping accurate accounts of your income and expenditure is the first step to averting money problems in the future. We often neglect to keep and file receipts for things we nonchalantly buy, and believe me – they can add up! At the end of the month, when the bank statement comes through, we realise we had totally forgotten about them, and in these situations it feels like losing money, even though it is really money we willingly spent. Keeping track of receipts helps to nurture good money saving habits, and it makes you really value what you do buy. In turn, it helps to curb casual spending, and, for example, we will be more likely to ask ourselves if we really want to have this £4 sandwich at a petrol station, or whether we could just wait until we get home and make a much nicer sandwich for free. Of course, the ingredients used for the sandwich are not free, and this is another thing worth considering: are we getting value for money on our groceries? It is nice to have good quality, but sometimes it seems we are just paying for nice packaging.

At Cash Genie they recognise the value of sensible budgeting. They also recognise, however, that sometimes things don’t go according to plan, and a short term answer can help tide us over until we get back on track.

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