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Look for a First Time Payday Loan Free #guaranteed #auto #loans

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Look for a First Time Payday Loan Free

By. Posted in Loans Borrowing on October 25, 2010 .

You may be unfamiliar with payday loans but find yourself in the situation that you need to have some cash quickly.  If you car needs to be repaired or your hot water tank has sprung a leak you may find that your budget just won’t allow any more stretching.  A payday loan might just be the answer to your short-term dilemma.  You may have heard that they charge high interest rates so you have shied away from inquiring about a payday loan.  What you may not realize, however, is that there are lenders that give a first time payday loan free .

You did read that right. There are many lenders online and at physical stores that will let first time payday loans get it for free.  While it sounds great there are going to be qualifications that you will have to meet, but if you do you could be on your way to easing a money crisis.  One parameter that most of the lenders have is that in order to receive the money for free the first time it must be paid back with your next paycheck.  There may be a limit on how much money you are allowed to borrow with the first time payday loan free offer.  It is worth looking into if you find that you need to have repairs done so that you can go on getting to work or taking a hot shower.

If you are searching for a payday loan that offers the first time free you can go online and read the comparison charts.  There are sites that are devoted to showing you the best online payday loan companies .  This list should include the fees that are charged and what happens if you can’t repay the loan on time or in full.  By reading a comparison list you can find the company that suits your situation the best.  It is always good to get several offers from a first time payday loan free company.  When you do this you can be assured that you have the best deal out there for your problems.  You do need to remember that this is a short-term fix for a short-term problem. If you can’t pay the money back in a timely manner you should seek other ways to fix your financial needs.

Applying for a first time payday loan free is very easy and in most cases is done online.  The physical stores that may be in your area often have web sites that allow you to fill in the application before you have to travel to their business.  This saves time when you need cash in a hurry.  They can get your loan approved in about twenty-four hours and you can have the money in your account the next business day.  You may be asked to fax proof of your contact information or a pay stub, but there are lenders that don’t require any of this information to be faxed to them.

When you apply for a payday loan you will have to meet certain qualifications such as being at least 18 years of age, you must have steady income, an active bank account, and be a citizen of the United States.  You won’t have your credit history checked as the loan is based on your ability to repay it, not on FICO scores.  This is one reason that these loans can be accomplished in such a short time period.  In some cases your bank account must have been active for at least ninety days and you have to have been employed for at least six months.  You may also be asked to prove that you have a monthly income of at least $1000.

You want to make sure that you have the money to repay the loan with your next pay check or you can wind up paying too much for the short term loan.  The fees for a short-term payday loan can be anywhere from $15 to $25 per one hundred dollars borrowed. If you borrow $300 you could get it for free the first time if you pay it back on time; however, if you can’t you are looking at $345 or $375 as a repayment.  There may also be other fees that could be incurred if the payment has to be rolled over.  So if you find yourself in a situation where you need short-term cash and this is your first time look for one that gives you that money for free.

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Personal Loans – First Citizens Bank #payday #loans #online

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Members First Credit Union: Personal Loans #home #loan #eligibility

#best personal loans

Personal Loans

Our Personal Loans will help you get ahead.

We know that life is unexpected. Therefore, we offer options with our personal loans that will help you be ready for the unexpected, or help you achieve a goal.

Personal Unsecured Loans – Use the money to purchase anything and pay it back in affordable monthly payments that fit your budget. You can go on vacation, consolidate your higher interest rate debt, or pay for a wedding. Featuring fixed rates and terms, you can work the payment into your monthly budget.

Personal Line of Credit – It’s hard to predict what’s coming on the road ahead or what it could cost. With a Personal Line of Credit, you can know that you’re prepared for whatever may come.

It combines the convenience of a fixed rate with the ability to draw against your line without having to reapply. Use it a little at a time or all at once for a big expense. You only pay interest on what you use, and you don’t have to reapply to use it again. Simple and easy, the way it should be.

Access your Personal Line of Credit with your checks, your debit card, or at one of our branch offices!

For more information on either of our personal loans, please call our Lending Center at (603) 622-8781. You may also apply online.

Shared Branching

As our member, you can access your accounts at convenient locations nationwide!LEARN MORE!

How to Apply for Your First Business Loan #federal #college #loans

#how to get a business loan

How to Apply for Your First Business Loan

If you are among the 40% of baby boomers AARP says plan to work until they die, and if you plan to start or buy a business instead of working for someone else, your venture will likely involve some sort of financing.

Unless you plan to fund this enterprise solely with savings—not recommended unless you are fabulously wealthy—you’ll need a business loan. As any lender can tell you, the better prepared you are before making your request for business credit. the greater the likelihood of getting approved.

Part of this preparation is understanding what bankers will need to approve you. Banks make a major portion of their profits from loans. They’re not in the business of saying no; they just say it when your application doesn’t meet lending requirements, which are much stricter now than before the financial crisis. But be aware that start-ups are almost always considered risky bets, and many lenders are reluctant to finance them. Also know that many larger banks won’t even consider small loans, which are less profitable than larger loans but require the same amount of time to analyze and administer.

Don’t let these discourage you. Get organized. How small is small? According to the Small Business Administration (SBA), the median small business loan from a financial institution is roughly $135,000, with highest around $250,000. SBA loans, which are not underwritten by the US Government but by SBA partners (lenders, community development organizations and microlending institutions), range from $5,000 (a microloan) to $5 million, with the average around $371,000.

Do Your Homework So what exactly are lenders looking for? Basically, they’re searching for clues that your business will be able to repay the loan, plus interest, with metronomic regularity. Most financial institutions will expect the loan to be fully secured. either with business assets or personal collateral. Having some skin in the game, meaning you have your own equity invested in the business, strongly works in your favor.

Lenders also will be looking at opportunities to profit from your success, so as your business grows, so will your business relationship. The buzzword in banking circles these days is cross-selling, so your business loan provider may also seek to be the issuer of your business’s credit cards and holder of your treasury accounts. Lenders will also be looking at you—your personal finance record, your credit score. your assets, your work experience, and your character. If you’re starting a business for the first time, having partners with the experience and track record that you lack may also be a requirement.

The Questions You Need to Answer Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, on the right side of the chart. Once you’re ready to make your request, ask the financial institution for the documentation it requires. Then, be prepared to answer the questions, in depth, for each of the categories listed below.

Purpose: What will the funds be used for? (Note that banks won’t lend for speculating, passive investments, pyramid sales or gambling.)

Amount: How much money do you want to borrow? Why that particular amount? Term and

Repayment Plan: For how long will you need the money and what is your specific plan for repayment?

Collateral: What assets, business or personal, do you intend to use as collateral? What is their market value? What portion of their value can you use as collateral?

Asset and Liability Statement: Your current, complete business asset and liability financial statements (your balance sheet).

Current Income and Financial Performance Statement: Your current, complete business statement of income and expenses (your profit and loss statement, or P L).

Business Plan Details: Your written plan for your business including goals and action steps, timetable, resource allocation, funding required, and related financial data. You may be asked for cash flow projections for at least a year.

Historic Financial Performance Information: Past business financial performance information under your ownership or under the previous owner’s ownership.

Other Information As Required: Information about you (your C.V. your loan Guarantor—someone who will pledge his/her assets and financials to guarantee repayment of the loan should you default. Guarantors can be a legitimate tipping point factor in getting a “yes” to the credit request.

If You’re Turned Down What do you do if you get a no? Don’t give up. Pursue the reasons for the rejection. Was it a procedural thing—a missing piece of information on the application—or something else? Then ask what would it take to get a yes.

You can then either alter your request accordingly and resubmit it, or take it elsewhere. If you keep hitting a brick wall, consider alternative sources of funding. Many entrepreneurs seek out financing from family and friends. Some use their available credit from credit cards or home equity lines of credit to finance their businesses.

If your “no” comes from a commercial bank, consider community banks and credit unions, many of which specialize in small business loans. You may also want to look into alternative sources of business credit, like, which offers cash “advances” of between $500 and $50,000 to businesses that already have a performance record, such as online sales. If you do decide to go online to fund your business, be sure you understand all of the terms and conditions of the financing, as they can differ from conventional small business loans.

First Education Federal Credit Union – Auto Loans #title #loans

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Auto Loans

Before purchasing your next vehicle, get pre-approved financing by completing our fast online loan application. With pre-approved financing in hand, you can visit the dealer or private seller and shop for a new or used vehicle with confidence.

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Second Chance Car Loans

We know that sometimes bad things happen to good people and that recovering a good credit score can take years. You’re more than a credit score at First Education. Previous bad credit doesn’t have to keep you from getting the car you need. Ask for details about our Second Chance car loans.

Community First Credit Union. #hfc #loans

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Alternative Student Loans

A Community First Exclusive!

Still short on tuition funds after FAFSA, Federal Loans and Financial Aid? Community First’s Alternative Student Loan is designed to assist you in borrowing additional funds, at an affordable rate, to achieve your educational goals.

Responsible: School certification of expenses helps to avoid over-borrowing for your education.

Easy Disbursements: Tuition, room and board and meal plan expenses will be disbursed directly to your school to meet expenses. Excess funds will be refunded to you by the school.

Deferred Payments: While in school at least half-time and for six months after leaving school.


  • Student must be a Community First member
  • Co-Signers/Co-Borrowers must be Community First members with an active checking account and full Direct Deposit
  • Student must be enrolled at least half-time at an Approved School


Our specialized student loan application makes it easy to apply anytime from anywhere for both students and co-signers. Whether you are applying for the first time or a returning student borrower, please use our checklist to ensure you have the right information available to complete your application.

Are you applying for the first time?

  • Both students and co-signers will be asked to create unique user names and passwords to complete your application now and to access the system for a loan request each subsequent academic year.

Please note that this application process is separate from Online Banking and CFCU’s other online applications, so your Online Banking user name and password will not work.

  • Are you a Returning Student Borrower?
    • Login using the user name and password you set up previously.

  • Use our Application Checklist to gather the information you need to make completing your application easy!


    If you have questions regarding your application or loan status please call


    Can CFCU Finance My Federal Loans Too?

    Community First does not finance Federal Loans. Make sure to contact your school’s Financial Aid Office for more information on Federal Loans and other financial aid options.

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    First Step to BSN

    The First Step to BSN Program helps adult students who have little or no prior college credits to progress toward earning their degrees. First Step features an 18-month rotation of online and accelerated core courses created specifically for adult students. After completing the First Step to BSN Program, students are prepared to apply to Union University’s Accelerated BSN Program, where they can earn their Bachelors of Science in Nursing degree in 15 months or the Traditional BSN Program.

    Are You Eligible?

    A First Step student must be a graduate of an accredited high school or have a state high school equivalency diploma and be at least 24 years of age. The following items must be submitted to be considered for admissions: application for admission, $50 application fee, official transcripts from all accredited institutions attended, high school transcript/GED if less than 24 college credit hours achieved, a personal statement describing why they desire to attend Union University, their personal career goals and reflect their interest in the field of nursing. Two letters of recommendation on provided forms are also required.

    General Education Requirements for the Accelerated BSN Program

    Please note: these courses are required for ALL applicants in order to be eligible for the Accelerated BSN Program.

    • General Education requirements must be completed
    • Age 24 or older
    • ACT Score of 20 or higher

    Christian Studies (Old Testament Survey New Testament Survey)

    2017-2018 Tuition Rates

    Program Offerings and Deadlines

    The First Step to BSN Program is available on the Jackson, Germantown and Hendersonville campuses. While the application process is rolling admissions. the deadline for the fall semester is July 1st. The deadline for the spring semester is November 1st. If you are applying after these deadlines, your application may still be considered for the upcoming semester. Orientation for the First Step to BSN Program is provided prior to beginning the semester.

    Contact Information

    Admissions Checklist

    1. Application: Fill out and submit the First Step to BSN Program Application (.pdf) (make sure to complete the Application, Reference Forms, Transcript Requests, Personal Statement, Standards of Admission and Community Values Statement)
    2. Read and sign the Community Values Statement and Standards of Admissions. Both signed pages must be received by the School of Nursing Admissions. (part of First Step to BSN Program Application Packet)
    3. Application Fee: The Union University application fee is $50 and is non-refundable. You have the option to pay online by credit card . You may also pay by check or money order with your supplemental application.
    4. Transcripts: Official transcripts from all accredited institutions attended, *high school transcript/GED (*if less than 24 college credit hours achieved). Please do not send transcripts for non-traditional nursing programs to Undergraduate Admissions.
    5. Reference Forms: Two reference forms are required from individuals who can attest to your academic ability and/or self-discipline to excel in the First Step to BSN program. Reference forms are a part of the First Step to BSN application.
    6. Personal Statement: Complete the personal statement found in the First Step to BSN Application. Your personal statement should be a brief description of why you desire to attend Union University, your personal career goals and reflect your interest in the field of nursing.
    7. If you are not a U.S. citizen, an international application must be completed and submitted with the BSN application. All international transcripts must be evaluated by an accredited evaluating agency found at the National Association of Credential Evaluation Services’ website:
    8. Applications which are incomplete by the application deadlines will be considered ineligible for admission and will not be processed.

    *Please allow 2-4 weeks after application packet has been submitted to be received in the Office of Admissions and up to 2 weeks to process application. Applicant will be notified by email when application has been processed.

    *Please note: If you are applying to the Traditional 4-year BSN program. please contact Undergraduate Admissions at 731-661-5100.

    *Upon acceptance into the program, the following items must be completed:

    • Physical exam form & immunization record

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    MN, WI, and SD Home Mortgage Loans

    As a Direct Mortgage Lender, MN, WI, and SD home loans are all we do. We beat the banks, the big internet lenders, and the Realtor’s in-house lender everyday with our great interest rates on home loans, and personalized service from LOCAL professional Licensed Loan Officers. Our ultimate goal is to create lasting relationships by closing your home loan on time with a stress free process.

    READY TO APPLY? Our Secure Online Mortgage Application is available 24/7. There is no application fee, and we will only move forward with an actual loan your permission after reviewing all your options with you.

    WANT JUST A QUICK QUOTE? Complete the Online Mortgage Rate Quote Form . This option allows our Licensed Loan Officers the opportunity to research current mortgage interest rates, refinance options and programs, then get back to you with our accurate quote.

    Check today’s mortgage interest rates based on your personal situation. Get live market mortgage rates and closing cost cost options. Pick what interest rate or closing cost option works best for you.

    Call (651) 552-3681. Speaking with an experienced, and Licensed Loan Officer is easily the best way to apply, or to obtain an accurate interest rate quote and an Estimate of closing costs.

    Your Loan Officer in an important decision. Why choose Joe Metzler to assist you?

    2016 – Top 300 Loan Officer in the Nation (National Mortgage News )
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    Conducting Your Minnesota, Wisconsin, or South Dakota Mortgage Rate and Lender Search

    Shopping for a home loan has never been this easy. To obtain the most accurate and up-to-date mortgage rate quote for your loan scenario, call us at 651-552-3681. If you are simply shopping for a mortgage. you can fill-out our easy Mortgage Rate Quote Form and someone will usually contact you within minutes with that information.

    Y ou can also initiate the application process by completing our Secure Online Mortgage Application. We advertises our services in many places and we are committed to honoring the displayed rates and mortgage closing costs as defined by the various publishers’ guidelines.

    You can always count on Mortgages Unlimited for great rates and low mortgage closing costs. Please do not hesitate to contact us with any questions. We are always here to address your concerns and offer you up-to-the minute mortgage quotes and home loan advice.

    Smart people know Mortgages Unlimited is your St Paul, Minneapolis best lender choice for your home loan needs.

    Our staff of Loan Officers are thankful for the opportunity to provide you with comprehensive mortgage rate quotes and mortgage closing cost information. Your Loan Officer will be happy to provide you with a Good Faith Estimate and Truth-In-Lending Statement so that you can better compare Mortgages Unlimited to other Mortgage providers. We wish you the best during your loan process, and remind you that a low rate quote is only part of your overall satisfaction!

    I know you have lender options, and I understand the importance of securing the very best interest rate and lowest closing costs for you and your family. I do not take that obligation lightly and will work hard to prove the value in having a long term relationship with myself and my team.

    Joe Metzler and his team are committed to helping you make a truly informed mortgage decision. Our advice goes way beyond just quoting rates and fees. We provide you with a complete analysis of your mortgage debt picture through analysis and reports. Most people don’t understand the life changing differences between different loan programs. We do. Learn More

    Get real interest rate and closing cost estimates so you can see specific numbers right up front. No surprises. Our rates are typically 0.125% to 0.25% lower than the big banks and little mom-and-pop mortgage brokers, with lower closing costs, too.

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    Find out how good it feels to work with a lender that delivers on both price and service, and read a few real customer comments. Then you’ll know why we enjoys a 98.0% overall recommendation rating. which we’d like to point out is a far higher standard than mere satisfaction.

    I have closed thousands of loans in my career. That’s a lot! Those customers contributed to our continuing success because they know WE GOT THEM A BETTER DEAL!

    We can do the same for you ! So if you are checking mortgage rates in Minneapolis, St Paul, all of Minnesota, Wisconsin, or South Dakota. we can help you get the lowest cost mortgage of anyone on your area, saving you thousands of dollars!

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