- The application can be filled on the spot. It is not very lengthy so you can fill it pretty quickly.
- In less than 24 hours, you can anticipate receiving money in your account. This is the way to go when you want the money at a short notice.
- You can take same day cash loan for small cash advances as well, which could be between $400 and $700 and it is convenient to pay back.
- For many Aussies, it is becoming an accepted option to a greater extent.
- As it is a small amount, paying back can be as quick as three months. So, promptly you can pay it back.
- Fast cash loans can be easily customised; you don’t have to borrow more than you actually require. In the same lines, you can select a monthly repayment plan that precisely matches your budget.
It can occur to anybody, even to those who think they are well prepared to handle an urgent or emergency situation. You’re doing your routine appropriately like working hard, feeding your family, paying all your bills in a timely manner etc. When everything seems to be going smooth suddenly something unanticipated befalls, alas, you’re faced with a crisis situation and you want some cash that too urgently. You want to travel and help a family member or a close relative in need, or maybe there is a medical emergency that needs to be handled or some other pressing situation. The reasons can be myriad and when it is something for which you haven’t planned beforehand, it could be particularly upsetting for you and your family. For such pressing moments, without doubt, short-term cash loans are certainly the right solution; the below-mentioned reasons will tell you why -
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If you have old furniture, electronic items, musical instruments or any other items that you aren’t using now, which also blocks essential space in your room. It’s time to declutter your room by selling second hand goods that you no longer need or use but are in good working condition. In this way, you will not only make sufficient space in your home but also earn some instant cash. Let’s take a look at top five ways of selling your second-hand stuff.
1. Garage Sale Suppose, you have several items to be sold, a garage sale certainly makes it fast and simple. You need to do little work at your end - clean all the items nicely, buy bags or boxes so that items can be packed and given to the customers. Also, consider placing a price tag on each item and make sure to display all your items on the table where it can be seen by your likely buyers. Yes, you have to do a bit of work, but it’s worth it! 2. Classifieds You can also sell your used items through local classified listings. You get both free and paid options for listing your classified add on major online classified web portals. 3. Local Second-hand Dealers If you have an individual item or speciality items, you can take your goods to your local second-hand dealers or pawn shop. In all probability, you won’t get a good deal when you try to sell your items yourself. When you take your used items to the local second-hand dealer, you will gain the price for the item on the basis of its age, condition and appeal. 4. Markets In case, you have a number of items to sell then there is a substitute to a garage sale and that is to set up a stall at your local market or look out for church or school car-boot sales. However, you have to pay a fee for such sales even if you don’t end up selling what you have on offer. 5. Sell online via Gumtree or Ebay Today, you can also sell online using web portals like Gumtree or eBay. How to sell your used stuff on these online portals is described below in brief. Gumtree: Gumtree is an online portal where you can list your second-hand goods for free. In case, you want added benefits like keeping your ad on top of the page then you have to pay for such extra features. Gumtree has redefined buying and selling locally and it is easy, which also saves the trouble of postage. eBay: Many people have succeeded in selling their used belongings on eBay. The good thing about eBay is that your prospective audience is quite large. However, the drawback is that you have to pay for listing your items in advance even if they don’t sell and if they do sell, then you have to pay additional fees. Also, you need to work out on the postage aspect. These days, buying second-hand goods or selling them as become quite effortless as there are many options and you have to choose the one that benefits you the most. You can also sell gold jewellery in Sydney through reputed online pawn shops and get instant cash. First, we’ll understand about ‘bad credit’. Bad credit indicates a person’s credit history – “It shows that the borrower has a high credit risk”. A low credit score signals bad credit. On the contrary, a high credit score signals good credit. Now, we can look at what a bad credit loan is. What is a bad credit loan? A bad credit loan is a type of cash loan that an individual avails even when he/she is having a low credit score (bad credit) to fulfill his/her obligations. Reliable sources that can provide bad credit loan to an individual
1. Secured bad credit loans A pawnbroker/pawnshop can give secured bad credit loan against collateral, which could be a car, a motorcycle, a boat, a caravan or any other asset that is accepted by the lender. 2. Unsecured bad credit loans Compared to large, major banks and lenders, an unsecured bad credit loan is a more flexible personal loan. As these loans are unsecured, you don’t have to use any of your assets such as a car, a truck, a motorbike etc. as collateral. These loans can be at times a practical choice for people who have a low credit score (bad credit) but require access to credit. As there is a greater risk to the lender, a higher rate of interest may be applied to your loan; Nimble is one such unsecured bad credit loan provider who offers short term loans. How is a secured bad credit loan safe as compared to an unsecured bad credit loan?
This blog shows you four easy ways through which you can avail instant cash loans. 1. Credit Card Cash Loan Though by using your existing credit card at an ATM you get instant cash from your issuer, you get it at a very high cost. The APR (annual percentage rate) for a cash advance is much greater than what you did actually pay for your purchases. Typically, the minimum cash advance APR at the majority of the banks is greater than 20%. Furthermore, most of the banks levy cash advance fee that can start from 2% and goes up to 5% of the borrowed amount. Additionally, the interest begins to accumulate instantly without any grace period – that means you have to pay back the loan as quickly as possible in order to halt the fees from spinning beyond control. Your credit card will have a specific credit limit and cash advances are typically capped at a few hundred dollars beyond which you can’t withdraw cash - that means you can’t withdraw your entire credit limit. 2. Pawnbroker Loan Pawnbroker or pawn shop can give you instant cash loan the same day. For getting cash loan from a pawnbroker, you will need a valuable item to place as collateral against which you can borrow cash money for a short-term. This collateral can be anything like - a car, motorcycle, van, truck, boat or any vehicle that is in good running condition. Along with your vehicle that you want to place with the pawnbroker as a guarantee for the loan amount, you will also require bringing ownership papers of your vehicle and your identification proof. The entire process is hassle free and even if you have a bad credit history, you’re eligible for a short-term cash loan as pawnbroker doesn’t conduct any credit checks or background checks. Benefits of pawnbroker/pawn shop loan:
3. Online Personal Loan There is a new breed of lenders these days, and these are online lenders - they typically approve a loan in an hour or one business day. Rates are based on your credit history and on average capped at 36%. Some lenders also look at other factors like your profession or business. Some lenders provide particularly to those having good credit or those having bad credit. 4. Payday Loan Payday loans are loans that are given without checking the credit standing of the individual; however, you require a bank account and a regular pay check to qualify for the loan. Typically, these payday lenders advertise as “quick cash loans” or “fast cash loans” etc. Be very careful while taking a payday loan because their interest rates are very high. When you could not manage money for your emergency expenses, it’s highly doubtful you’ll be able to pay the loan amount including interest in 2 weeks’ time frame. This is how payday loans deceive people in a series of debt. Payday loans are very much similar to bad/no-credit-check loans, which have high-interest rates but are scattered over a longer tenure. Final Words: To conclude, among all the four easy ways to acquire instant cash loan - it is clear that the safest method to avail quick cash loan in Australia is pawnbroker’s loan. At certain circumstances in life, many people find themselves in need of cash money to fulfill their obligations. And when it comes to availing personal or business loans, there are many alternatives. Nonetheless, availing a loan from the bank or another financial institution is a lengthy procedure. Also, they will check your credit history, payslips etc. for approving the loan. If you are bankrupt or your past credit history is not good, then it is extremely difficult to get a short-term business or personal loan from the banks and financial organisations. In such instances, you can approach a car pawnbroker and moneylender for availing instant short-term cash loans if you are in urgent need of money. Following are the benefits of taking a loan from a car pawnbroker.
1. Faster loan approvals A pawnbroker can approve your loan faster as the process is quite simple. You will get cash in your hand the same day. 2. No background or credit checks executed When you approach a car pawnbroker and moneylender such as Cash Fast, they won’t carry out background or credit checks. They will not check your payslips or ask for your bank statements. 3. Bankrupt or bad credit history – you qualify for a short-term loan If you are bankrupt or your credit history is bad, it doesn’t matter at all. You will get a short-term business or personal loan from the pawnbroker. You might be thinking - how can a pawnbroker grant loan without carrying out credit checks or grant loan to someone who is bankrupt or has a bad credit history - right! Typically, a car pawnbroker and moneylender grant a short-term loan against a security deposit/collateral, which could be a car, a motorcycle, a boat, a truck, machinery or any asset of value. A short-term loan is offered for the period ranging from 1 day to 3 months, which can be extended if required. You can choose to pay back the loan amount between two options – (1) pay as you go, or (2) at the time of loan’s expiry whichever is convenient to you. A short-term business loan from a car pawnbroker is beneficial for the business owner to manage things and maintain the smooth functioning of the business in troubled times. Similarly, a short-term personal loan from a car pawnbroker is helpful for an individual to pay bills, arrange for household needs when passing through a difficult phase in life such as financial crunch or joblessness. When you are in need of money and want to go for a loan, it is not just about going out, borrowing money and signing a note. There is a lot of thinking that needs to be done before you decide on whom you should approach for borrowing some money as loan. Quite often, the problem is the high interest rates that you would have to deal with once you take the loan. It is not an easy job to pay off the interest rates. Often, if you’re not okay with the rates, it can be difficult to find the right moneylender too. Who should you approach? You have a choice of either approaching a bank for a quick cash loan in Sydney or approach some short-term moneylender for instant cash loans. The problem, however, with these two financial institutions, is that both are two extremes. You can approach a short-term moneylender but then the interest rates would be outrageously high. On the other hand, bank loans are usually higher and are spread across for a long period of time. This kind of scenario is making it extremely difficult for the middle class people to even think of borrowing some money as loan. So what is the alternative for the middle class Australian people? The many pawn shops coming up all over the country offer a good way to deal with this problem. For example, Sydney has seen a sudden growth in the number of pawn shops in the last few years. You can see at least two to three pawn shops in a single locality. A normal middle class citizen can now get instant cash loans by approaching these pawn shops. The concept of these pawn shops is built around the assets that a normal citizen would want to purchase or pawn. Who are these dealers best suited for? These second hand dealers Sydney are best suited to those people who do not have immediate cash but have enough valuable assets. The valuable assets are sold at these shops and offer a good rate for the goods. This enables to build a long lasting relationship with the customers. As per statistics, the number of customers taking loans from pawn shops has increased by 25% since 2003. Another advantage of borrowing money from pawn shops is that they do not look at your credit history while lending you money. People who are in need of urgent money can now get personal loans quickly. The application process is also quick and simple. It would only a few minutes of yours to complete the process. Once your application is approved, you would get money either on the same day, or the next day. Apart from the fast processing of applications and fast loan approval, another benefit of pawn shops is that terms and conditions are flexible. The concept of pawn shops is simple. Their prime motive is to arrange for a fast and easy finance as per the customer's needs and circumstances. To lead today's luxurious lifestyle, we require money all the time. We require money for paying our ongoing bills, groceries, creatures comforts etc. Sometimes, our planning and calculations go for a toss, and we require urgent cash to deal with the things on hand. What if an emergency strikes out of the blue wherein you require paying for medical expenses of your or your loved ones. You have two methods at hand by which you can get money instantly – one is selling some of your valuables, and the other is to borrow money from a pawn shop against collateral. A pawn shop can help you when you are in urgent need of some paper money. What exactly is a pawn shop? A pawn shop is a business that lends you money against a collateral. A collateral maybe any item of value such as gold, silver, diamond or any other precious metal. It can be used electronic items such as television, computer, laptop etc. It can also be vehicles such as motor bike, car, boat etc. You can either sell off your used items (that are working and in good condition) to gain money instantly or keep it as a collateral with the pawn shop and get the loan against it. What is the difference between pay day loan and a pawn shop business? Typically, pay day loans are of short term nature and you can get a pay day loan against a proof of your regular pay checks. Also, pay day loan take into consideration your credit standing (credit score). It is little tougher to get a pay day loan. Pawn shop business works upon the simple principle that you need to deposit something of value with them, and they will loan you a sum which would be a percentage of the valued item. Pawn shop will not consider your credit score either, rather it will give instant cash loan you against your collateral. In case, you fail to repay principle amount along with interest within the fixed time, pawn shop has the authority to sell off your item that you have kept has a collateral, and gain the money. At the time of entering into an agreement with a pawn shop, you will be given a pawn ticket in which your name, your valued item, and the loaned amount along with the interest and the duration to repay the loan will be mentioned. You can also get an extension to repay your loan amount, however, you will have to inform the pawn shop in advance and also pay additional charges for the extension. Is pawn shop a legal business? Yes, pawn shops are officially licensed and legally approved business, however, each state will have its own set of rules that have to be followed from time to time. To remain safe in all your dealings, always deal with licensed pawn shops or pawn brokers. Mega Cash is a licensed Sydney based pawn broker and second hand dealer having branches in Doonside, Mount Druitt, St. Marys and Marsden QLD. If you are interested to know more, you can visit official website of Mega Cash. For some of us who have it rough during these testing financial times, a bit of cash might be what we requite. Out of all the ways to get cash, one of the easiest ones is to sell the gold you have. Selling your gold is one of the best ways to get instant cash. It is one of the best ways to get some quick money and with the prices of gold increasing day by day it is a good idea to check out the old or broken jewelry items you have in possession and dispose it to get some handy cash. Gold’s Value – Always on the rise Gold is a precious metal, which is why investing in gold jewelry with your hard earned money is considered to be a good choice. One can liquidate gold when needed and get instant cash loans in return. You will always get a seller for your unwanted gold and one get a good value for the same. If you wish to sell gold in Sydney, you will undoubtedly find many buyers who can make use of your useless jewelry items and offer instant cash for the same. Forms of gold that can be sold The easiest for of gold to sell is that of gold scraps which is purchased by gold firms and pawnshops. The jewelry’s weight and karat of gold determines the price. Gold which have a low karat cannot be sold at a high price as the lower the ring’s karat it, the lower its price becomes. You can also sell broken or old jewelry pieces instead of spending a lot of money in repairing it. You also get rid of unwanted jewelry pieces which are of no use anywhere and get instant cash loans in return. Gold tooth fillings can be sold for a good price as the scrap pieces can be melted and used to create new gold designs. Is gold collection your hobby? People who collect gold coins can also sell them in time of crisis as they can fetch you a very high price and are in great demand. You must refrain from selling your gold coins to banks or pawnshops and instead look for other coin collectors who will offer the true value of your coins and will not dupe you like banks and pawn shop owners will. Choosing the right dealer You can sell your gold off in many ways, including selling it in a pawn shop. You must always find a reputable person or company to sell your gold to which has its own set of guidelines to give you the correct pricing for your gold. They also insure the pieces being sold to them so that one gets proper remuneration for it in case it gets lost or stolen during transit. So if wish to sell gold in Sydney, make sure to look for the right places and get instant cash in your hands. Pawn shops have conventionally been looked at in poor light and are known to be shady places where the unemployed try to make a living. It is, however, not completely the correct way to depict pawn shops. They are recognised by law and are as legal as any other business being practised. They follow the same business model followed elsewhere. Buy goods at a cheap rate and sell them at a higher price to earn a profit. Furthermore, pawn shops earn money from the items they loan out. Most people turn to sell items at a pawn shop when they are in need of immediate cash and often end up selling their items at a price way below their actual value. This enables pawn shops to sell those items at prices lower than the shop rates but still eke out a profit. Best Place To Sell Your Jewellery Quickly
It’s cheap and it’s beautiful! If you want to buy jewellery from the pawn shop, it is important that you understand the dynamics of the jewellery market well. For that, you may need to do some on the ground research and go and check the existing prices in conventional jewellery shops. Only when you are fully aware of the actual value of the antique jewellery you’re buying will you be able to strike a bargain at the shop. If you want to check out jewellery online even that will give you a rough idea regarding the actual value of jewellery. Besides that, you also need to keep your haggling skills up to date. Also be on the lookout for discounts and sales at the shop. During a sale, you may get an item at a price so competitive that you don’t even need to haggle. So, why do we don't prefer to go to pawn shops? Did you know, thieves used to sell stolen jewellery at pawn shops to earn a quick buck before they were caught? This is a major reason why many of us refrain from going to pawn shops. However, things are changing, and pawn shops have collaborated with the police to nab any thief trying to sell stolen jewellery at the pawn shop. You can be rest assured when visiting a pawn shop to buy jewelry. While you might want to get a good deal, it’s a fact that you will save loads when buying jewelry from a pawn shop. It’s really easy to buy gold in Sydney from a pawn shop. Just look out for a pawn shop that listens to your needs.
During spring often we clean up our old jewellery or used goods. Suppose you are in want of some immediate cash, you may want to check out your jewellery kit and would want to sell it off or may be pawn it. Sometimes, you don’t get a good deal at the jewellery shop, but pawn shops can give you good money on your used old jewellery – be it gold, diamond or silver. So, if you don’t know what a pawn shop is and how it can help you, this may be just the right time to know about it. Keep reading to uncover.
Items that you can pawn or sell at a pawn shop You can sell or pawn a huge range of items such as your old jewellery, electronic items, musical instruments or collectables, or even vehicles. However, due to the encouraging markets on precious metals – gold in any form – be it rings, necklaces, bracelets or just coins, they normally get higher price estimates than other used goods. Your used silver jewellery might also fetch handsome cash. Not to forget about platinum and separate diamond pieces which generally demand a higher price – as per their whole weight and condition. Nonetheless, all the price estimates shall be based on the current market prices. Get an Idea about the working of a pawn shop Normally, you can take any items mentioned above including your gold jewellery to pawn them at a pawn shop. The professional at the pawn shop will then evaluate the condition of the item and shall offer you a price, the rate of interest that will be imposed on it and other terms of the loan. Generally, the time limit to pay back (loan amount with interest) is 30 days. Bear in mind, the jewellery shall fetch the price that’s based on the standard industry constituents such as Karat-weight, how rare the jewellery is etc. If you reach an agreement with regard to the price offered, interest rate, time limit etc., you shall be given cash amount in full instantly. The item is taken as a guarantee for the loan given. And you will also obtain a pawn ticket with details such as your name, your residential address, a description of the item that is pawned, the loan amount, interest fixed and the time limit to pay back the loan amount with interest. The local police shall also be given a copy of this receipt. On or before maturity, when you pay back the loan amount and interest in full, you will get your valuable back. On choosing the pawn shop Opt for a pawn shop that is licensed to carry out such activities and one that follows the state and national laws. Secondly, always approach a licensed pawnbroker and second hand-dealer near to your home or office or in between, so that you can easily reach them when required, also to pay back the loan amount with interest and get back the possession of your valuables. Finally, whatever item you take to the pawn shop, make sure that the item is looking good. In case of jewellery, ensure that it shines and looks appealing. If electronics or musical instruments etc. – make sure it works properly and is in good working condition. Also, remember to clean the item by removing the dust etc. and make it look as good as possible. In case if you have any further queries, feel free to reach MegaCash.com.au instantly by dialing any of the phone numbers mentioned on the top right hand side of the website or by filling up the instant Enquiry Form at the left hand side of the website. |