Tuesday, December 11, 2018

Is Fast Cash in Oceanside With No Credit Real?

People with damaged or limited credit sometimes find themselves in a desperate search for a no credit loan. However, there are only two types of loans that require absolutely no credit check. For example, loans from family and friends and pawn shop loans. All other loans, including payday loans, require some type of credit check.

Payday lenders often boast that they offer no credit loans, but that is a half-truth at best. And the lax credit standards they do apply contribute to the high default rate of payday loans. Gems N' Loans in Oceanside are offering a no credit loan with a 90 day re-payment option. Getting fast cash from pawn shops the interest rates can be as low as 2%.

Monday, December 10, 2018

Where Does Cash Money Grow On Trees

All my life I have been fascinated with money. I remember one day when I was about six years old my father told me, “Money doesn’t grow on trees”. After I thought about it I had to differ. All paper currency once was a tree. Maybe and exception for the Australian plastic bills.

Getting a cash loan in Oceanside isn't as far fetched. There has been a big discussion regarding the PayDay loan borrow option. Some find it convenient however, the interest rates can be astronomical and never ending. I always recommend a collateral loan when someone is in need, and does not want to be hassled with a credit check.

We don’t request credit checks and are a “no hassles business.” When you need cash, we are here for you. All transactions are confidential, and once you are a customer, we will treat you like family. If you are in a bind, or just want to cash in your unwanted merchandise, we are here for you. Save thousands of dollars on new, estate, vintage, and GIA certified diamond jewelry at any of our Gems N’ Loans locations.

Wednesday, November 21, 2018

Don't Turn Your Check Into Cash

Money does not grow on trees, nor will relief for annual fees or astronomical interest rates that could have you sacrificing control of your paycheck in the future.

According to the Washington Post and Pew, payday loans have become a lucrative business, earning $7.4 billion annually. Each year millions of Americans take out these types of loans when suffering tumultuous financial times.

These kind of cash loans in Oceanside are the very definition of "robbing Peter to pay Paul." Borrowing against a future paycheck or putting up the title to your car can cause a slippery slope.

Pawn shops like Gems N' Loans are willing to stake you the loan in exchange for collateral. This means interest rates as low as 2%, in exchange for something of value, adding the option to redeem it under the loans terms. However, in a worst case scenario, the borrower could end up losing the item, rather than have their pay check garnished.

English business magnate, investor, Richard Branson of the Virgin Group has even been quoted saying "material things are delightful, but they're not important."

Saturday, November 10, 2018

Payday Loans Oceanside Compared to Other Cash Loan Options


There are stereotypes that users of alternative financial services are from the lowest socioeconomic levels. But borrowers from pawn shops and payday lenders are often middle class young adults, struggling to make their way in the post-college real world without financial help from the Bank of Mom and Dad.

The most obvious problem with payday loans are their extremely high interest rates. The fee for a payday loans can be anywhere from $10 to $30 per $100 borrowed, which works out to an annual interest rate of 261% to 782% sometimes.

The Gems N' Loans model is based on collateral lending that is structured based on the value of the item you wish to pawn. The pawn can often simply be the sale of the item if the customer doesn't wish to retrieve the item at a later date and doesn't care. Or in most cases the item of values is used as security to back the loan.

So before you go get involved in a title to payday loan, consider you neighborhood pawn shop for the emergency funds.

Monday, October 29, 2018

The Safe Cash Advance Verses the Payday Loan

When looking for a safe cash loans, it is a good idea to understand the alternatives. One of the most obvious problems with payday loans is, are their extremely high interest rates.

For example, if you had a hard time raising money in the first place, losing the borrowed out of your next paycheck leaves the borrower scrounging for more money to pay the perpetuating loan, and before the month is out, you could find yourself coming back for another loan to cover the bills you can no longer afford to pay. Before long, you end up entrapped in an ongoing cycle of debt.

The alternative would be a collateral loan. For example: pawn shop loans in Oceanside offer secured loans, with lower interest rates as low as 2%. The borrower just needs to offer up valuable collateral to the pawn shop owner and in exchange for the cash.

Need to Know

Loans must be repaid, together with the interest amount and any other additional costs. Failing to honor your end of the deal, will leave the pawn shop no other choice but to take ownership of your collateral and sell it to recover the money.

Learn more here!

Friday, October 26, 2018

What About Quick Loans Found in Oceanside

What are some examples of quick loans that are issued in a short amount of time, and are often subject to less complicated  screening process if any. These types of loans are often granted to borrowers who have bad credit or who need to secure financing quickly. While they often come in the form of personal loans in small amounts, the wealthy have been using such options to finance business ventures.

If you are looking for a cash loan in and around Oceanside  fro instance, it never hurts to weigh the options available when in need of fast cash or the equivalent of a payday advance.

Often people in need have found that pawn shops offer a no hassle alternative to the whole process. You are probably wondering what this entails right? Well , it is less complicated and does not depend on your credit score.

Collateral loans found in pawns shops offer interest rates as low  as 2%.  A collateral loans is money you receive against the value of your property. You can decide whether to get the property back by repaying the loan along with the fees or simply forfeiting it, depending upon your situation.

There is never any liability or obligation if you decide not to pay. Therefore, meaning there are less requirements to meet to pawned item.

Learn more here!

Monday, October 22, 2018

How to Find Payday Loans in Oceanside


Since payday loans can involve tedious paperwork that include terms and conditions, there can be some not so savory terms hidden in the fine print, including an agreement to have your wages garnished if you forfeit payment on time. Pawn loan terms, on the other hand, are straightforward, with no hidden fees or penalties, and can be obtained easily without all of the bureaucracy.

At Gems N' Loans in Oceanside California, they make it easy to obtain collateral loans to suit any situation no matter the size of the loans, This however, has everything to do with the item of value you wish to pawn.

When working with a pawnbroker, the customers pledge their property as collateral, and in return, they lend the borrower the money. When customers pay back the loan, their merchandise is returned to them. Pawn loans are made on everything from jewelry to electronics. If the customer elects not to redeem his or her collateral, there is no credit consequence to the borrower and the items are sold at a value price to retail consumers.