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Credit Card Cash Advances
Posted on Tuesday, March 20th, 2019 at 10:03 am in Cash Advances
Consumers with bad credit have a number of options available to them when they need to borrow cash – more options than you may think. Besides payday loans, there are other bad credit lending options when you need cash fast. Choose the option that makes the most sense for you and your finances.
Some banks issue credit cards to consumers with poor credit. Theses cards are usually secured with an initial cash deposit to the bank that determines your available credit limit. Because the card is secured, interest rates are about what you would pay on a normal, unsecured credit card. If you’re looking for a low-interest emergency solution, consider a secured credit card before borrowing payday loans, cash advances, or other more expensive bad credit options.
Credit Card Cash Advances
If you have a credit card with a low balance, you can request a cash advance from your credit card company. Your cash advance amount is a smaller percentage of your credit limit and decreases as you build up a balance on your card. Cash advances from your credit card company shouldn’t be contingent on your credit score, as you’re already a card holder. You’ll pay higher interest on a credit card cash advance than on your normal card balance, but they’re a cheaper solution to a payday loan if you have the credit available.
Some credit unions are issuing personal loans to members who have a positive balance in their checking accounts without running a credit check first. If you have a regional creding union near you that you can join, see what kind of personal loans your local credit union offers. You’ll get a better interest rate than banks or payday lenders can offer and you may not even need a credit check to qualify.
Personal loans are better for long term finances, like borrowing cash for a wedding, home renovation projects, or other similar big expenses.
Decide what makes sense for your finances and choose the lending option that works best for you.
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