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      Tuesday, July 08, 2008

      Need emergency cash?

        Have you ever been in a situation where you have suddenly run short of cash? And you have already depleted you own personal emergency fund and also don’t have access to a friend or family member who can help you out?

        Emergency cash is not only needed when you are going through a major emergency and have already sold everything of value that could help you. It also comes in handy when you have to pay the bills, avoid bounced checks, get through the holiday season, or catch up on life's smaller emergencies.

        ThinkCash is a short term, personal loan company which lends amounts from $250 to $2,500 for emergency times like when the bills have to be paid or to avoid a bounced check. They are different than a Payday Loan or Cash Advance Company because ThinkCash rates are typically 25 – 75% lower than payday loans. You don’t even need to be employed to qualify, but you do need a source of income (which makes it perfect for those who are self-employed). In case you are not approved for the loan amount that you inquired about, you can request a smaller loan and, by successfully paying it off, increase your eligibility for larger loans.

        Repayment is equally easy. ThinkCash offers installment loans, which are different than payday loans because you pay in payments instead of a lump sum. You can stick with the pre-arranged repayment plan or choose to make higher installment payments. Another advantage that they offer is the ability to pay off your loan early completely without incurring any penalties or extra charges. This is a huge plus since you save all the interest charges and the penalties that other lenders would charge you.
        So, their convenient payment options are the real benefit because, unlike Payday loans, ThinkCash offers unparalleled flexibility to their borrowers.

        Because the whole process is online, it’s super easy and fast -- you don’t have to make any phone calls, nor fax anything. There is zero paper pushing required. Just submit your application online for an instant decision. The process is safe and secure through a VeriSign SSL connection and obviously, completely confidential. Once you’re approved, the funds are transferred to your bank account the next day.

        ThinkCash will send you an email reminder before each of your payments are due. You can also login and check your account online at their website at any time.

        Can you get a loan if you have bad credit? Yes, you can! In that case, you can get bad credit loans for short-term, emergency situations. This is because their short term loan financing is tailored made for all ranges of credit, so it’s a real relief to know that you can get by even if your credit ever gets ruined. Moreover, the application can be filled out online and the money wired by the next business day.

        I firmly believe that, if you really need a cash loan, you should go with a lender that can provide you with the flexibility and low rates to quickly get back to your normal budget.

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