Fast Cash Loans - When You Should Borrow and When You Should Wait

A fast cash loan should be an option used as a last resort to avoid a financial emergency. With its interest rates, a cash loan should not be used to purchase the latest gadget or fashion item.

Avoid A Late Payment

A late payment can cost you more than just a late fee; it can raise your interest rates on credit cards and future long-term loans. Higher interest rates on a car or home will cost more than a few dollars for a cash loan. While you shouldn't make it a habit to pay bills with a cash loan, it is better than missing a bill payment and lowering your credit score.

Skip A Non-Sufficient Fund Fee

While a cash loan fee is high, a NSF fee on a check can easily be higher, especially if the merchant charges a fee as well. To avoid these spiraling cost, make sure your checks are covered with a cash loan.

Keep Your Job

If keeping your job means you have to get your car fixed today and you are out of cash, then use a payday loan. It is better to pay the fees than lose your job. Payday loans are ideal for these types of situations.

Delay A Payment

Not all late payments warrant getting a cash loan. If you will be less than 30 days late on a bill, it will not show up on your credit score. You may have to pay a late charge though, which is typically less than the finance fee for a cash loan.

Wait On Impulse Purchases

A cash loan is not a good way to fund an impulse purchase. Even if the item is on sale, it probably isn't reduced enough to warrant paying fees on a cash loan. Instead, wait to make the purchase until you have enough money on hand.

Your decision to get a cash loan or not should be based on what is in your financial best interests. Cash loans, when used wisely, can save you from a financial emergency. Keep in mind the cost of a cash loan's financing fees when factoring the cost of your decision.

To view our list of recommended payday loan companies online, visit this page: Recommended Payday or Cash Advance Companies Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

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Google News Updated : Sat, 11 Oct 2008 23:50:53 GMT Nobel Peace Prize winner wants jobs for the young - International Herald Tribune Times Online Nobel Peace Prize winner wants jobs for the young International Herald Tribune - 10 hours ago AP HELSINKI, Finland: Nobel Peace Prize winner Martti Ahtisaari said Saturday that finding jobs for more than 1 billion young people in the Middle East and Asia will be a major challenge to peacebuilding in the next decade. Video: Ex-Finland President Wins Nobel Peace Prize AssociatedPress Nobel Finn Wall Street Journal Voice of America - Times Online - Burlington Hawk Eye all 1,453 news articles Publ.Date : Sat, 11 Oct 2008 13:12:07 GMT GOP Officials Hope for Stability From McCain - New York Times Voice of America GOP Officials Hope for Stability From McCain New York Times - 1 hour ago By ADAM NAGOURNEY and ELISABETH BUMILLER Republican leaders across the country said Saturday that they were worried that Senator John McCain was heading for defeat unless he brought stability to his presidential candidacy and settled on a clear message ... Antiwar Protestor Disrupts McCain Iowa Rally Washington Post Obama needs 75 percent turnout in Philadelphia, says Rendell CNN Political Ticker The Weekly Standard - Summit Daily News - USA Today - WNCT all 1,087 news articles Publ.Date : Sat, 11 Oct 2008 22:23:47 GMT Got $700 Billion? Sweat the Details - New York Times Telegraph.co.uk Got $700 Billion? Sweat the Details New York Times - 3 hours ago The bailout plan gives Henry M. Paulson Jr., the Treasury secretary, three broad choices in buying assets. By ALAN S. BLINDER THE House of Representatives was against the bailout bill before it was for it. US firms up plan to buy into banks to stem crisis Reuters Paulson Indicates Need to Purchase Bank Equity `Soon as We Can' Bloomberg Los Angeles Times - Washington Post - The Miami Herald - International Herald Tribune all 2,358 news articles Publ.Date : Sat, 11 Oct 2008 20:39:07 GMT YouTube to play full TV episodes with ads - Afterdawn.com Vancouver Sun YouTube to play full TV episodes with ads Afterdawn.com - 2 hours ago Google has announced that it will begin offering full-length TV episodes through its YouTube platform beginning this week, thanks to a content deal with CBS. YouTube to Offer TV Shows With Ads Strewn Through New York Times YouTube beams up Star Trek for long-form video, prominent new ads CNET News Wall Street Journal - eFluxMedia - Silicon Alley Insider - Bizjournals.com all 109 news articles Publ.Date : Sat, 11 Oct 2008 21:13:12 GMT Gay Marriage Is Ruled Legal in Connecticut - New York Times Boston Globe Gay Marriage Is Ruled Legal in Connecticut New York Times - 5 hours ago In Hartford, Crystal Pretzman of Willimantic, Conn., celebrated the State Supreme Court's decision to legalize same-sex marriage. Video: Connecticut Court Allows Gay Marriage AssociatedPress Marriage ruling not the end of debate in Conn. The Associated Press Newsday - Washington Post - Reuters - NECN all 1,711 news articles Publ.Date : Sat, 11 Oct 2008 18:13:08 GMT US space tourist set for blast-off - Reuters Canada.com US space tourist set for blast-off Reuters - 40 minutes ago By Maria Golovnina BAIKONUR, Kazakhstan (Reuters) - US video game magnate Richard Garriott will blast off into space aboard a Russian spaceship on Sunday watched by his father, a NASA astronaut who went into space at the height of the Cold War. US space tourist set for launch BBC News Russian space chief reassures US partners The Associated Press Times Online - USA Today - Spaceflight Now - RedOrbit all 287 news articles Publ.Date : Sat, 11 Oct 2008 23:10:50 GMT World is united to tackle financial crisis, IMF says - MarketWatch BBC News World is united to tackle financial crisis, IMF says MarketWatch - 2 hours ago By Rex Nutting WASHINGTON (MarketWatch) -- Financial policymakers from 180 nations around the world are united in their resolve to tackle the financial crisis, Youssef Boutros-Ghali, head of the International Monetary Fund's policy committee, ... G7 nations face going cap in hand to China guardian.co.uk Finance officials comments at IMF meetings Reuters AFP - BBC News - Bloomberg - New York Times all 579 news articles Publ.Date : Sat, 11 Oct 2008 21:23:46 GMT Clickbank RSS Feeds Earn Money With Surveys

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