When I married my husband, the two of us went on several shopping trips. During these shopping excursions, we looked for beautiful pieces of furniture to fill our new home with. At one store, I was drawn to a lovely oak, curio cabinet. After spotting this item of furniture, I instantly knew I wanted to display my extensive doll collection in it. Do you have a large collection of dolls, model cars, model trains, or snow globes you want to proudly display? Consider shopping for the perfect, stylish piece of furniture to put your beloved things in. On this blog, I hope you will discover smart tips to help you shop for the display case of your dreams. Enjoy!
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So, you want and/or need a loan? It happens to everyone after the holidays. Money is stretched, bank cards, store cards and credit cards are maxed out. It leaves nothing for regular bills, not to mention anything with which to line your cupboards and fill your refrigerator. What you need is a six-month cash loan. It is just enough to get you over the post-holiday hump, and get you to that annual tax refund. Here is the skinny on the fat you want to put in your wallet:
Cash Collateral Loans
After you got some nice things as presents, you may be able to use some of them as collateral for the loans you need, (just do not tell the givers of these gifts!) If you actually got a Lexus or other luxury item for Christmas, you can definitely use this to secure a short-term loan. Be sure to read the fine print on your loan documents; your collateral could disappear if you miss some payments, but timely payments can prevent that.
Six-Month Unsecured Loans
There are companies that offer unsecured loans for six months (or more). These loans are often smaller than the loans you may get with collateral, and they do have higher interest rates because they do not require credit scores or collateral. Still, if you know you can pay this loan off with your tax refund or pay it off with a quarterly bonus from your job, it is a very quick and painless process to get the cash fast.
Credit on an Overdraft Account
Another option is collecting money on a loan from your bank's overdraft loan plan. Some banks offer overdraft protection on customer accounts, but the loan program you are looking for consists of borrowing up to $1000 on your overdraft account. You do not need to have any money in your overdraft account, and the loan itself is a separate type of overdraft account altogether.
Usually, when you log into your online account, there will be a tab that says something to the effect of "overdraft credit." Click on that, follow the screen prompts, request a loan for the limit the account provides (or less) and hit enter. You should get a response within minutes, and then you can follow the online loan agreement prompts. Once you complete the online agreement (with an e-signature), the money is immediately transferred into either your checking or savings account. You have about six months to pay it off, although you can pay it off sooner.
To learn more, contact a company like Wilmington Jewelry & Loan with any questions you have.
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