When seeking out a money loan for an emergency or unexpected expense, there are many options available. Personal loans, title loans, credit card cash advances — it can be confusing to sort through all the types of money loans out there. How you find the right fit for you is entirely your decision. As you weigh your options, you need to take several factors into consideration. How much money do you need? Do you need it today or can you wait days or even weeks? What’s your credit score? Do you have anything you can use as collateral? How much can you repay, and how long do you want your terms to be?

All of these questions are things you should think about if you are looking into money loans. It can help to understand different types of loans while you search for the right loan option for your situation. Whether you have collateral or bad credit, here are three types of loans that may help in emergency situations.

Auto title loans

When seeking out a quick loan, you can put your auto title up for collateral and get a quick and easy loan. Titles can include those for your car, truck or other vehicle. An auto title loan is one of the fastest ways to get emergency money. As long as you have a clean car title and the ability to repay your loan, you can get money and easy repayment terms within a short timeframe (even as quick as 30-minute approval!).

Title loans are a common way to get cash when you need it — and you don’t even need to have your car paid off most of the time. Car owners can use their car title as collateral, and upon repayment get their title back. Title loans are often set up to cater to your needs without penalty for early repayment.

Credit Card Cash Advance

When you need cash fast, a credit card cash advance can help you get the money loan as quickly as possible. Same-day credit card cash advances can help in tricky situations with cash as close as your nearest ATM, you’ll be on your way to having the money you need now.

And even though you get the money fast, these cash advances on credit cards often will only get you a smaller amount of money. You rarely withdraw more than a few hundred dollars with a credit card cash advance.

Loans for bad credit

If your credit isn’t quite up to par, then you may have already discovered that it can be hard to get a loan when you need it. When you’re facing an emergency, you may not have been able to plan for it — or had the time to work on improving your credit score.

Bad credit can add even more stress to an already stressful situation, but don’t worry. There are loans for bad credit available, and you may qualify for one. Loans for people with bad credit can often make use of collateral (like title loans do), and get you the cash you need on the very same day.

Car Capital Financial

If you are in need of some emergency funding, Car Capital can help out! We are proud to help people find loan terms that fit their needs so they can get a money loan quickly.

Call 1-888-500-9887 to learn about how our auto title loans can come through for you when you need the cash the most. With same day services most of the time, you can start getting your life back on track with Car Capital.

Are you struggling to pay your bills on time? Do you need help paying your monthly bills? Car Capital Financial can help.

If you own your car in full or just have a few remaining payments, call Car Capital Financial now at 1-888-500-9887.

We provide title loans in as fast as 30 minutes, allowing you to get the money you need to cover your financial emergency today!

Highly consider us for fast financial relief and also read below for essential tips on paying bills on time:

1. Make Bill Paying a Top Priority

After rent or mortgage payments, paying your bills should be your absolute next  priority. Not paying bills or paying them late can lead to a multitude of negative repercussions, including severe damage to your credit score. Therefore, make paying your bills each month a top financial priority to ensure that your bills get paid on time and that your credit score stays at a healthy number.

2. Put Aside Money Each Month

As soon as your paycheck clears, set aside the cash needed to pay your bills. This could be done through physically withdrawing the cash or by simply transferring it into a separate account, such as your savings account. Allocating the money straight away for your bills will allow you to budget more effectively and becoming more financially organized.

3. Make Paying Bills Easy

There really is no need to manually pay bills by letter or even manually online now, as many companies allow you to pay your bills through automatic online transfer. This allows your bills to be automatically paid each month by the company withdrawing cash directly from your bank account. Many companies also allow you to pay by credit card, which can make this process a lot easier and less stressful. Take a look at each bill you pay and see if you can set up an automatic transfer – this method could easily save you plenty of time and worry.

4. Have a Savings Account

At whatever stage of life you are in, financial emergencies are bound to still crop up from time to time, and this can include unexpected or surprisingly high bills. Make sure you can always pay these bills fast by having a savings account. Cash stashed away in a savings account can prove to be extremely beneficial when facing any kind of cash flow emergency, so be sure to set one up. Put aside a little money each month and watch it grow over the months. Before you know it you’ll have a solid financial cushion that you can call upon next time you’re hit with an unpleasant bill.

 5. Increase Your Income

Ultimately one of the main reasons why you struggle paying your bills is likely because you simply aren’t earning enough.  Aim to increase your income to allow greater financial stability and less financial angst. Go for that promotion, seek additional work or perhaps even head back to school to embark on a new and more lucrative career. Once you have boosted your income aim to become more financially stable by increasing your savings each month and always paying your bills when due.

Car Capital Financial

If you tried all of our above suggestions and you are still not able to pay your bills, consider a title loan from Car Capital Financial.  Title loans are issued based on your ability to repay the loan.

We are a trusted Southern California title loan company with over 15 years of experience, and pride ourselves in delivering fast, effective and valuable title loans.

Call us at 1-888-500-9887 to get your cash loan now.

What to Do When Unemployment Runs Out

Since the 2008 economic downturn, millions of Americans have been left unemployed, with some relying exclusively on unemployment compensation benefits (checks) from the government as a means of survival.

Not only are unemployment checks meager and difficult for many to survive on (the average check is just $300 a week) but in most states these checks run out after 26 weeks. After you apply for unemployment benefits, a six month window to find employment may seem generous, but in these challenging economic times, it’s not uncommon for unemployed people to take over a year (in some cases several years) to find stable employment again.

As a result, running out of unemployment checks before landing a new job is the grim and terrifying reality that millions of Americans now face.

However, if you find yourself in this tough situation, there may be some ways you can keep a roof over your head and even generate some extra income before you land full-time employment again. To remain financially afloat after unemployment runs out, try pursuing the following tactics:

Prepare a Survival Budget

Now that times have really gotten hard, you’re going to need to budget more tightly than you’ve probably ever had to do so before. Perhaps there were some luxuries you could still manage to pay for while you were living off government checks, but now that they’ve run dry you’re going to need to say goodbye to these and welcome an extra frugal lifestyle. For best results, create a weekly survival list that covers all of your basic living needs but fits into your new budget, then make sure to stick to it. If you are still in decent financial standing, earning an income or receiving unemployment benefits, but still in danger of unemployment running out, then make sure to start stashing some of your money aside in case you don’t find a job in time.

Apply for Anything and Everything

Losing unemployment benefits should signal that you need to seriously change your job-hunting strategy. When your government checks have completely run dry, it’s time to stop being choosy about which jobs you apply to. Perhaps you had a high flying, well paying job in the past, but those days are gone. Apply to absolutely everything and anything that you can, including minimum wage jobs. Yes, this might mean you have to earn only a smidgen compared to your previous salary, but if it means you’re able to pays the bills and make ends meet, then this sacrifice will be well worth it.

Use Food Stamps

The idea of applying for and using food stamps may seem humiliating, but if unemployment runs out, this may be your very last resort. If you pass specific requirements, you may qualify for food stamps which are certificates that provide you with free food. Each state has certain requirements and levels of poverty that must be met in order to qualify for food stamps, so you will need to check with your particular state of residence to see if you can receive food stamp assistance.

Downsize Your Lifestyle

Its one thing to make a budget to maintain your existing lifestyle, but you may need to go one step further by completely downsizing your life. This may mean you have to change where you live. If you’re a homeowner you may want to sell or rent out your house. If you’re renting, try to look for more affordable housing by moving to a new area or even considering renting out one of your rooms to a tenant. These are drastic actions, but they could potentially save you a fortune.

Move in With Family or Friends

If you can no longer afford to pay for your mortgage or rent and don’t want to be forced into a homeless shelter, your main other option is to seek a free living arrangement with a family member or friend. Your parents, close relatives or friends may be willing to help, even if this means you’ll have to sleep on their couch until you can get better situated. Free rent will lift a huge financial burden off of your shoulders, and allow you to continue in your job search without having to constantly worry how you’ll make rent or your mortgage payment that month.

Offer to Do Cash in Hand Jobs

Prior to landing a permanent position, offer to do cash in hand odd jobs for your neighbors, family members and friends. Perhaps you could mow their lawn or walk their dogs. If you have specific academic skills you could also advertise yourself as a tutor or even consider doing some babysitting. When the government checks run dry, even small amounts of cash can help you avoid complete financial disaster.

Consider Taking Out a Loan

As an unemployed individual, you’re probably not going to get approved for a regular bank loan. Banks don’t like to take chances on financially unstable borrowers, and this of course includes the unemployed. Despite this, there are some other loaning options you may want to consider. For example, some car title loan companies don’t check your employment status or even require you to undergo a credit check, so if you’re confident that you’ll soon be able to land a job and make repayments on time, definitely consider a car title loan. Title loans are issued based on your ability to repay the loan.

Sell Your Stuff

Don’t let expensive items you own go to waste, but instead sell those that you can get away with. If you own more than one television or computer, definitely consider selling one of them. Get rid of expensive camera gear, designer clothes, jewelry or any other luxury goods that you don’t actually need. It may be sad to see items you once worked hard to attain get sold, but the money you’ll earn could cover essentials such as groceries and bills.

Living Unemployed without Benefits

There’s no way of getting around it, surviving without unemployment benefits when you’re still unemployed is going to be incredibly tough – it may even seem impossible at times. However, use the above tips to help you maximize your savings as you continue in your job search. Stay strong and persevere, good luck!

Need Money for Christmas?

If you’ve found yourself making a Christmas list in 2015, checking it twice, and being completely shocked by the price, then you are not alone. Christmas can be costly, with one recent report noting that the average American family plans to spend around $700 on gifts this year.

And in a tough economy, giving generously (or even at all) at Christmas has become harder than ever before. You might want to make sure that your kids, spouses, family and friends are happy with their presents, but if you find yourself asking how to raise enough money for Christmas presents, then here are just a few potential solutions:

 

How to Pay for Christmas Presents in 2015

If you need money for Christmas, then start thinking about pursuing one of the strategies presented below. Coming up with Christmas cash may not be easy, but it’s definitely possible if you’re willing to make a few sacrifices along the way. Here are some of the most effective tactics for raising present money:

1. Sell Some of Your Old Stuff

Try selling some of the stuff you have, but don’t need, on eBay or Craigslist. Remember that one person’s junk is more often than not another person’s treasure. And since everyone is looking to cut their budgets this year, used goods are hotter than ever.

Get money for the things that you’ve got sitting around your house to try and avoid taking more drastic measures, like resorting to taking out a holiday loan in 2015. If you aren’t into e-retail, then remember that pawn shops and auto pawn dealers can also provide you with reliable Christmas cash loans, but realize that you’ll have to pay them back with interest.

If you do have things to sell that are at least half-way decent, it’s highly likely that someone on either eBay or Craigslist is going to make you an offer. And if you do end up going the Pawn Shop route, make sure to keep in mind that once you sign on the dotted line it may be the last time you ever see that flat screen TV, guitar or beloved family heirloom you just pawned to pay for Christmas presents.

2. Consider Christmas Loans

If you are really strapped for cash, but don’t want to compromise by giving subpar gifts this year, consider taking out a short-term Christmas loan. Holiday loans have risen in popularity in recent years, especially as financing rates have come down so much since the great recession officially ended.

As a general rule though, remember that banks are still much tighter about loaning out money than they were a few years ago, and don’t think that they will be willing to sacrifice their standards for you just because it’s Christmas. If you have anything negative on your FICO score, then you may need to look into Christmas loans for poor credit individuals.

Consider contacting a smaller lender who offers short-term, but affordable collateral loans, like a car title loans company.

The benefits of taking out a car title loan are pretty substantial, since the loan provides you with access to emergency cash assistance, but doesn’t require you to sacrifice the use of your vehicle. Title loans are issued based on your ability to repay the loan. Similar to pawning other items, a car title loan will require that you pay back the loan (plus interest), but unlike a traditional pawning contract, you won’t have to part with any of your prized possessions to get access to get a cash advance.

When the family comes over for Christmas dinner, they just might notice that your big screen tv or great grandma’s pearl necklace are missing, but if you’ve secured a quality car title loan instead, no one will have any idea how those amazing presents were financed!

Another benefit to working with a car title loans company is that some of them do offer no credit check loans, which you may need to take advantage of, depending on how bad your FICO score is. Taking out a car title loan is simple, easy, and straightforward, unlike traditional loans from banks and other large financial institutions, so if you need some help financing Christmas this year, be sure to consider this reliable option.

3. Consider a Holiday-Season Job

Even though the economy continues to grind along slowly, there are more than a few holiday hiring sprees going on during the Holidays, and this year is no exception to that rule. Many well known stores are hiring seasonal workers for the holiday rush, so if you’re interested in trading more time for money, and you don’t mind missing some of the festivities, then you do have a great chance at finding some additional work.

If you already have some shop floor experience, you will likely be able to find a position far more easily, and you could even stand to make some pretty decent money even with just temporary employment. Just be aware that you will likely be expected to work considerably longer or stranger hours than usual so that stores can remain open while people are shopping for their last second gifts, which could be a stressful experience.

If you’ve got plenty of time though, and if you don’t mind working some difficult hours, then think about racking up the Christmas cash you need to help make it through those holiday wish lists.

4. Take Out Another Credit Card

Credit cards won’t get you access to cash, but you can use them to borrow credit to pay for your planned Christmas expenditures. Credit card companies are notorious for giving out more credit than they should to the general public though, as they want you to be on the hook for late fees and extra payments, so be sure to treat them warily.

Credit cards can be used pretty effectively as a type of short term installment loan, but you’ll want to pay these loans off as quickly as possible to avoid the relatively high interest rates burying you in a mountain of debt. Over-leveraging yourself is one of the worst ways to finance purchases like Christmas gifts, so unless you just absolutely have to get those presents for your children, friends or family, you should probably keep this idea on the back-burner.

5. Sell Your Body

We don’t mean to start hanging out on a street corner, but if you really want to make some cash quickly and you aren’t interested in taking out a Christmas cash loan, then you may want to consider selling blood or signing up for experimental medical treatments.

It’s not legal to sell organs, but you can make some extremely quick money by selling blood and participating in experimental procedures. The trouble is, you can’t raise all that much cash via this route in a short time frame, so this tactic would only work for financing small gifts like stocking stuffers.

If needles make you queasy, or if you’re not interested in becoming a human guinea pig, then your best bet might be to attempt one of the other suggestions presented in this article. You may need some extra funds for this Christmas, but let’s be honest – how important are those presents after all?

Car Capital

As you can see, you don’t have to skip out on purchasing fantastic Christmas presents this year because there are plenty of ways to come up with some fast cash. From taking out a holiday loan in 2014 to getting a graveyard shift, you should be able to come up with the funds you need to make it through Christmas. Remember to read the fine print, plan for the future, and spend within reasonable limits, and you’ll be well on your way to celebrating the happiest holiday season yet.

From all of us at Car Capital Financial, Happy Holidays!

How to a Get Holiday Loan With Poor Credit

While the 2014 Holidays are a great time of year filled with parties, delicious food and some much-needed time off, they can also prove to be extremely stressful. For those of us with bad credit, the holidays can soon turn into a nightmare, as we find ourselves racing around trying to find enough cash to pay for much-needed Christmas presents and other costs.

Finding the funds to pay for your gifts, food and other holiday costs can seem a virtually impossible task, but there is a light at the end of the tunnel. Holiday loans in 2014 are relatively easy to come by, even for people with poor credit. If you need emergency money for Christmas, Hannukah, or any other seasonal celebration, then read on to discover some easy ways to come up with much needed holiday cash.

If you find yourself in need of some additional money this holiday season, even if you have bad credit, then then start thinking about taking out a holiday cash loan. Christmas cash loans can be had from a variety of sources, each of which has it’s own specific pros and cons, but all of which can provide you with the cash you need to purchase those costly gifts!

Holiday Loan Ideas for Poor Credit Scores:

Neighborhood Loans

Holiday neighborhood loans usually don’t require a credit check and are available in most Southern California cities, but they often have some significant catches. It’s likely that you have driven by tons of neighborhood loan offices on your way about town, and you may have even seen their tv commercials, or heard them advertising on the radio, but are Christmas neighborhood loans really a good idea?

While neighborhood loan centers do offer immediate cash assistance in the form of no credit check loans, these loans come with astronomical interest rates and extraordinarily high loan repayment fees. Adding to your costs is the fact that many neighborhood loan companies won’t even allow you to pay off your loan early, meaning that even if your financial situation improves you will still be on the hook for that huge interest bill each month.

Taking out a Christmas neighborhood loan can be extremely effective in the short-run, especially if you’re in desperate need of some cash, but due excessively high costs, these loans should really only be considered in the direst of circumstances. Try to avoid taking out a holiday neighborhood loan unless you’re borrowing a very small amount of money that you know you can pay back quickly.

Credit Cards

Another option for raising holiday money is to simply take out an additional credit card. This might sound bizarre if you already have bad credit, but you will be surprised at how many banks are still willing to offer credit cards regardless of your credit score.

Remember, the more that you miss payments, and the longer it takes to pay back your credit card, the more the banks make. They actually want to loan out money to individuals with poor credit, because they make more money on them!

Using a credit card to cover Christmas expenses may allow you to borrow enough to cover for your holiday spending needs. Just be aware that the more credit cards you take out, the worse your credit score will likely become. Also bear in mind the dangers of being too far in the red, and how quickly interest rates on a credit card can accumulate.

Borrow from a Friend or Family Member

If you are really down on your luck financially, you may want to consider asking for a Christmas loan from a financially stable friend or family member. There is likely someone that is willing to help you out during the holidays and they probably won’t ask for a credit check!

However, be aware that borrowing from a friend or family member means that they make the rules. They will decide on how much interest they will charge you and also when they want the money back. A holiday loan from a friend or family member can put a lot of strain on your relationship, so you will want to seriously weigh in your options before going through with this type of loan.

Car Title Loans

One of the best options for getting a reliable holiday loan is to contact Southern California car title loan companies. The main benefit of getting a car title loan is that you get access to immediate cash, but you don’t have to sacrifice the use of your vehicle.

If you’ve got a car with a clean title (it doesn’t have to be fully paid off), then you qualify for a car title loan from us at Car Capital Financial. Whether you need a car title loan in San Diego, Los Angeles, or Orange County, we can help you get the Christmas cash you need in as little as 30 minutes.

We do not require any sort of credit check, and our rates and repayment policy won’t change whether you’ve got perfect credit, poor credit, or no credit whatsoever. Title loans are issued based on your ability to repay the loan. There’s no limit on the amount of money that we can loan, but we’ll provide up to the full value of your vehicle.

If you find yourself in a financial bind during the 2014 holiday season, be sure to give us a call at 1-888-500-9887 to find out if our auto title loans are a good fit for your financial needs. We would love to help save Christmas!