It can be frustrating to have a steady paycheck but still run out of cash before payday. The possible reasons you are in this situation could be any one of many, including:
1. You make enough money to be able to cover your expenses in any given month, but then something out of the ordinary happens. Maybe your car breaks down, or your family experiences a medical emergency that requires a trip to the emergency room, or maybe you are still recovering from credit card debt you piled up over the holidays.
2. You make almost enough money to make ends meet, but most months you find yourself falling short. You are currently looking for a second job so that you can make enough money to cover your monthly expenses, but times are tough and you have not found one yet. You expect to be making more money within the next few weeks. But meanwhile, you need money right now.
3. You do not make enough money to make ends meet, and yet you don't see this changing anytime soon. You also see no way of reducing your monthly expenses in order to make ends meet.
If either #1 or #2 above explains your situation, you should consider an emergency cash loan. Reason: your cash needs at this time are extraordinary in nature, and you will be able to able to make more money in the near future to be able to pay back your loan fairly quickly.
However, if #3 describes you, think again before borrowing money. After all, if you do not make enough money to make ends meet now and yet have no plan to make more money (or reduce your other expenses) in the near future, it makes little sense to take out an emergency cash loan now: how would you pay it back?
Emergency Cash Loans with No Checking Account
If you have decided to move forward with your emergency cash loan, there is one other obstacle that could be in your way: not having a checking account. You see, the way most emergency cash loans work, you need to write the lender a post-dated check for the full amount of the loan (plus interest) that the lender can cash on your next payday. Obviously, without a checking account, you cannot write a check!
If you need to get emergency cash now with no checking account required, arm yourself with the following facts before selecting a lender:
1. Most lenders you come across will require a checking account. Get ready for a lot of rejections before you find the right one.
2. A handful of lenders will allow you to take out an emergency cash loan with just a savings account. Ask up front to make sure.
An alternative to working hard to find a lender that does not require a checking account: open a checking account online with a second chance checking bank. These are banks who will almost certainly accept your checking account application, even if you have been rejected by one or more banks in the past. Reason: most banks refer to something called Chex Systems when considering an account application.
What is Chex Systems? It is basically a "risky bank customer" database. If your name shows up in Chex Systems for any reason, the bank will reject your application outright. Luckily, there is a growing number of banks today that do not use Chex Systems. You can open up a second chance checking account online today, then apply for an emergency cash loan tomorrow.
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