Cash, Cash Advance, Fast Cash Advance and Quick Cash Advance are all small loans that you will find here at Cash4u.com. These kinds of loans can help with those little emergencies that just can't wait until the next pay day. Please feel free to browse all relative categories and read in detail the information of the companies offering you cash. Find the option that best suits you and remember to read any and all fine print to ensure that you protect yourself against any extra fees. Search the Top Sponsors and get the help you need today.
Three things you should know before you Borrow
1. Your credit rating, also known as a FICO® scores.
As a rating of your credit worthiness, your FICO® score is a basic building block in your quest for a loan. It doesn’t matter whether you’re trying to buy a house, a car or a refrigerator – before they give you money; lenders want to feel comfortable that you’re going to pay it back. Your credit rating tells them your record of doing just that. If your credit rating is bruised, you might consider holding off on the purchase until you can improve your rating. That’s because higher FICO® scores can translate into lower interest rates and lower overall borrowing costs.
2. The cost of borrowing.
This includes knowing and understanding interest rates, fees and other charges that make the amount of money you’re paying back higher than the amount you borrowed. Knowing the prevailing interest rate can help you choose among lenders. So can comparing the annual percentage rate (APR), which expresses a loan’s interest costs and other fees as a yearly percentage? The APR gives you a look at the true cost of borrowing. Also make sure you understand whether you are being offered a fixed-rate or an adjustable-rate loan and the long-term implications of both.
3. How much you can afford to borrow.
Many online loan calculators, such as the calculators in the Lending Tree Smart Borrower Center, are available to help you figure out your monthly payments based on how much you borrow, the likely interest rate, and the length of the loan. Check, too, how the total amount you will owe varies under different formulas. You don’t want to be stuck paying more than you have to. Carefully look at your monthly expenses to see how much you can pay. Don’t forget to figure in things like rent increases or unexpected expenses that could hit down the line.