Payday loan uses for car repairs

Car problems – is there anything more frustrating? Whether you just bought the car of your dreams or you’ve been in the same vehicle for longer than you can remember, nobody likes it when they hear that indescribable sound followed by smoke followed by the promise of an outlandish repair bill at the local auto shop that will set you behind for weeks.

“I remember right where it happened,” recalls Jessica who hails from Los Angeles. “I was on the I-10 when I heard the sound of metal grinding all over the place. I was late for work; one of my kids was sick, and now this? It was only Monday and already I was having a bad week!”

Jessica’s story isn’t uncommon. All too often we take advantage of the basics like transportation, and we are only reminded of how vital a working car is in today’s society when disaster strikes. Without a car, we have to find additional ways to make it to work, which means putting up with time-consuming public transportation or the embarrassment of relying on friends and relatives to get from point A to point B.

“I was mortified,” Jessica explains. “When I got to the repair shop, the parts alone totaled over $200, plus labor. They estimated the total bill to be about $450.00. I knew I couldn’t afford it right away, so I needed cash and I needed it fast.”

Across the street from the repair shop was a payday loan store, the type that can be found on almost every street corner now days. “It was dirty inside and I felt uncomfortable,” said Jessica while cringing slightly. “I knew they could give me a payday loan and solve my problem, but for some reason I couldn’t do it. Being in a store like that just didn’t feel right to me.”

Jessica’s problem isn’t that unusual. Payday loan stores nationwide generally aren’t located in the best neighborhoods, nor do they offer competitive pricing on cash advances because they have overhead costs like rent, power and so on. As a result, brick-and-mortar stores like the one she visited charge a premium on their loan products.

Later that night, Jessica went home and researched cash advances on the internet. She found a number of sites offering anything from cash advance articles to various sign-ups, and ended up choosing Personal Cash Advance to get her payday loan online.

“I was shocked how easy it was,” smiled Jessica. “You’d think getting a cash advance online would be more difficult than just a couple of minutes. I just typed in my personal information and where I wanted the cash advance to go and then bang – I was on track for an approval! I went to the repair shop the next business day after my I got my loan, paid for my car, and my life was right back on track. A cash advance is a great way to put out all those little fires that catch us off guard sometimes, so you better believe I keep that site bookmarked!”…

Go for a faxless payday loan

Of all the online payday loans available, a faxless loan get you your money quicker. No more trips to find a fax machine.

The whole point of purchasing anything online is the speed and convenience and if you are requesting a payday loan, you probably want it quickly. Getting a payday loan that requires faxing sort of misses the point. Sure, you can fill out the form online, but then you have to photocopy the documents they want faxed since you can only send regular paper through the fax machine. So you’ve got to figure out where the nearest copy machine is. Is there a copy center nearby? An office supply store? Maybe your drug store has one. Is it 3AM and everywhere is closed? Once you’ve got everything copied and ready for the fax machine, you’ve got to find the fax machine. Fortunately, most places that have copy machines also have fax machines, so you won’t have to go on another search, but it’s still a hassle to find one. Then there’s the cost of all this copying and faxing. Copies will probably run you ten cents per page, so if you’ve got two documents to fax, there’s 20 cents. Faxing is a bit more. It could cost you up to two dollars for the first page and another dollar for each additional page. Let’s not mention the cost of the gas you used just getting to the fax machine and then back home. Granted, this isn’t a whole lot of money – maybe five dollars – but it is an additional cost added on top of what the payday loan company will charge for the loan. If you’re getting a payday loan, you probably have a cash crisis on your hands; do you really want to be spending more?

Faxless payday loans are great because they avoid all of this hassle and additional cost. All you need to do is fill out the online form, then someone from the lender may call you to confirm your details. There’s most likely no need to collect your documents to be copied and faxed at additional cost to you. You can fill out the form from the comfort of your own home in your jammies, if you want. The online payday loan industry is so competitive that there’s no reason to get anything but a faxless loan.

Like any sort of payday loan, you can get into trouble with faxless loans. They are not intended to support on-going budget problems. If you use them that way, you could end up paying a lot of money for a small loan or harming your credit. However, if you use them properly, faxless online payday loans can be a great solution to your emergency cash needs.…