Traditional Loans vs. Subprime Loans

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Question: How do I qualify for traditional loans instead of subprime loans?

Answer:

The term "subprime" refers to borrower who's had negative marks on their credit report. Generally speaking, you're considered "subprime" if you've maxed out several credit cards, have multiple outstanding personal loans, and/or filed for bankruptcy. If this sounds like you- relax. There's no point in beating yourself up over it. Everyone experiences financial hardships at least once in their life.

There are a variety of types of subprime loans in addition to payday loans, including: - subprime credit cards - subprime mortgages - subprime auto loans - subprime personal loans

There's good news- you can still get approved for a cash advance. An online lender service such as MoneyNowUSA works with literally hundreds of lenders to ensure nearly everyone that applies, qualifies! However, as a subprime borrower, you'll probably pay higher interest fees. Unfortunately, there is no way around it. Lenders use the increase interest fees as added insurance to cover themselves. The best way to minimize high interest fees is to repay the loan in full and on time. In addition, you'll need to reduce all other debts, including: credit cards, outstanding payday loans, and have a track record of paying bills on time (rent, car payments, utilities, etc).

If you do decide to go with in-store retailer as opposed to an online lender, be prepared with: - government-issued photo ID, - blank check - most recent paystub as well as - your checking account statement.

Depending on the state you live in, the amount you're allowed to borrow and interest rates will vary. Typically, you can apply for a loan from $100-$1,000 for a fee of 15% to 30% (assuming a 2-week loan term).

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