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Just because you are in need of some extra cash does not mean you’ll have to head to a lender or to your bank to get a loan. You’ll find that you do not necessarily have to get a debt just to cover an unexpected financial need. Below are some things you can do to raise funds on the side without applying for a loan.
Alternative Cash Sources
Sell old and unused stuff online
If you have old games or old books that are just rotting away somewhere, unused, you can sell them online and get decent cash out of it. If you have pricey textbooks that are still in good condition, expect that there are people who would be willing to pay a good price for them. Just be upfront of the present condition of these items and be honest always so buyers know what to expect.
With the number of busy pet owners that barely have the time to get their pets out for that much-needed walk every day, you can earn some good money by walking pets. Check with friends and relatives and see if they know of one that needs the services of a dog walker. With this, you do not just get to earn money, it’s one way of keeping fit too. So, it’s double the benefits for you.
If you happen to take good pictures, you can sell your pictures online. There are a number of online sites that are more than happy to pay for high-quality pictures from professional and budding photographers alike. You can even get people to hire you to take photos for special occasions. You may need to invest in a good camera to pull this off but as long as you can get great results, expect recommendations that would help connect you to more potential customers which could lead to more earnings for you.
Have you ever thought about taking out a loan but wonder, where do you get a good one? Well, not every loan depends on different situations and on what or where the money is used on. Be it for your business, to fund a new car, or you want to use it for whatever things you have planned. Then I’d suggest you get a personal loan.
Where To Get A Loan Fast
A personal loan as of no specific purpose, you can use the money however and whenever you want, except for a few exceptions such as gambling, using the funds to buy illegal substances, and other illicit activities.
If you’re decided that you want or need a personal loan, it’s time for you to look a lender who offers the best terms for you and your situation. In deciding which lender or loan is right for you, here are a few things that you need to consider when looking for the right lender.
Interest Rates – The best personal loan you can look for are those who offer competitive interest rates without even having an excellent credit.
APR – An APR, which stands for annual percentage rate – shows you how much the total cost of the loan in a year including the interest rate and fees. Having an idea of what an APR is can make comparing other loans very easy. The lower the APR, the better the loan.
Fees – There are different types of fees, and if your loan comes with two or more fees, then I’d suggest you look elsewhere as some of the best personal loans out there have only one or none at all.
Look at reviews – Best way to know about how well their service is, is through reviews.
Good Customer Service – Now this isn’t necessarily needed, but it’s a good plus. A good lender will listen to your feedbacks, problems, and any concerns and will try to work with you for a solution.
Now that you know what to look for a good lender, it’s time to do the opposite. If the lender looks at your credentials, would they see you as a good borrower? If you want the best rates that the lender can offer, then this is what’s required of you:
Good to Excellent Credit Score – There are two important factors in getting the best deals out there, and your credit score is one. If you have an outstanding credit score, lenders will likely see you as a responsible borrow who manages their debts and finances well, and would likely repay them.
Outstanding Credit History – This is where lenders can see your history of repayments and loans taken out, if you paid your bills on time.
High Income – Most lenders require you to have a minimum amount of income monthly or annually. This is the second most important factor in getting the best rates. Having a higher income means you are eligible for higher amounts of loan, and still are capable of repaying it.
While knowing all this, we gathered some trustworthy lenders for you to choose from that might help you in your endeavors.
APR – 6.95%
Loan Amount – A minimum of $1,000 to a maximum of $40,000.
Loan Term – Offers a 3 or 5-year loan.
Requirements – Must be a US citizen, verifiable and old bank account, a good source of income, and must be 18 years of age.
APR – 6.95%
Loan Amount – A minimum of $2,000 to a maximum of $40,000
Loan Terms – Offers a 3 or a 5-year contract.
APR – SoFi offers a variable interest rate that ranges from 5.74% and with a fixed interest of 5.99% with autopay.
Loan Amount – A minimum of $5,000 to a maximum of $100,000.
Loan Terms – A minimum of 2 years and a maximum of 5 years.