Category Archives: Loans

Cash Genie – a lifeline when you have to have it

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No one wants to borrow money – it’s a bad idea. Of course it can help sometimes, and occasionally there’s just no choice (who would be able to buy a house without a mortgage, for example?) but generally speaking, it’s a last resort. Borrowing money is costly. That cost can be a few pounds, or a few percent of the original loan, in the best cases; in the worst, it can double, triple or even worse the amount of money you take. Pay off a regular credit card at the lowest rate, for example (2 percent or £5 minimum), and the amount of money you actually end up paying will be around three times higher than the amount you borrow. Under those circumstances, that pair of shoes or flatscreen TV you put on the VISA don’t really seem such a great buy after all. Cash Genie is a commercial lender, so it’s worth knowing exactly what debt you’re taking on, but in this case it’s easier than usual.

For example, loans are for one month only. You’ll pay 30 percent for a sum of money between £75 and £750 (that is, paying back £100 to £1,000). That may seem a lot, but the arrangement basically means that the cost is a one-off fee: these loans aren’t meant to be rolled over like a long-term loan, in the same way that a credit card or mortgage is. You pay the 30 percent and that’s it: there’s no room for compound interest – that unpleasant reality whereby interest is paid on interest as time goes by – which can stretch a credit card bill out for years.

30 percent is a high rate for a month (although there are lenders who will charge you much more) so the way to figure out whether it’s worth it is simple: if you don’t take the money, will you end up paying more than that fee in other ways – for example, fines for missed payments, or the loss of vital services? If so, and there’s no other option, taking the Cash Genie loan simply makes good financial sense. Ideally, it’s going to be a one-off that gets you out of trouble, and gives you enough breathing space to put some budgeting processes in place that mean you won’t have to resort to loans in the future. That’s the nature of short-term loans, after all: they’re not supposed to be an ongoing feature of your life.

Please visit http://www.cashgenie.co.uk/ for further information about this topic.

http://www.cashgenie.co.uk/

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Instant loan approval can circumvent the deadlines!

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With the end of the tax year approaching, self-employed contractors and those who have to complete their own tax returns are going to find out how much tax they have to pay. Normally, if you’ve budgeted carefully and have done this a few times before, you should have a reasonable idea of what to expect. If not – which is easily done – then a short term loan may help get through that bad period of wondering where the cash is coming from. A cash advance won’t be your first solution, but if there are no other alternatives then instant loan approval might be one way to go.

The end of the tax year can have surprises for those who are self-employed. A classic one is national insurance. You might have budgeted for 20 percent tax throughout the year, carefully putting aside a fifth of your balance for the taxman every month. To be asked for the extra 8 percent is naturally a shock, and one you’re unlikely to make more than once. Usually, the tax office are pretty fair about mistakes – if you phone them up and tell them what’s happened, they will often come to some arrangement whereby you can spread the tax burden over the next year. If they try to force you to pay upfront – especially on a credit card (a recent one to watch) – haggle, or ask to speak to a manager. It really doesn’t make good financial sense to put your debt on a credit card or take out another loan for it if you don’t have to, especially when, with a bit of persuasion, they will often give you the debt themselves at a very low rate of interest.

The only times you might find it necessary to look for a short term loan or other cash advance is when the collection date is imminent, and you need to find the money immediately in order to avoid a fine for late payment. If this is the case, shop around – if you can secure the loan more cheaply, do so. But if you have to go for a last-minute option, then this is one to consider. Remember, the only time it’s going to be worth it is if the price of not taking the loan is more than the fee associated with it. After all, a fine can simply be considered a cost itself – if you miss a deadline, it’s not good, but there’s no point taking out a more expensive loan to avoid this.

Please visit http://www.cashgenieloans.co.uk/ for further information about this topic.

http://www.cashgenieloans.co.uk/

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Cash genie provides short-term loans

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In everybody’s life there have almost certainly been days when we wished we had just a trifle more money in our bank accounts to tide us over until the next pay-cheque arrives. Perhaps we need the money to avoid going over our overdraft limit and being charged disproportionate fees by our banks, or maybe we want it to take advantage of a special offer on a holiday or new purchase. Whatever reason we may have had for needing more money it has time and again been tempting to wish for a Cash Genie to appear and help us out of these financial problems.

Sometimes it is not possible to borrow the money from friends and family. Often they may be in similar straitened circumstances as we are and it can put a strain on some relationships when money is involved. There is a different way which can now be used to find cash at short notice and that is to apply for a short-term loan for a small amount from a reputable online company. These loans are for a defined period and are in no way a substitute for more sensible financial management, but they can be convenient. It is advisable before receiving any type of loan to check the details on interest payable and about any associated charges that you may incur.

One of the pluses of this sort of loan arrangement is that the companies that arrange them do not carry out a credit check on applicants. Amongst other requirements, you must be over eighteen years old, earning more than five hundred pounds a month, have a current account and debit card, and be resident in the United Kingdom, but if you have a poor credit rating it will not count against you when applying for this sort of loan. It must be emphasised, however, that if you fail to pay back the loan within the specified timeframe it will damage your credit rating which can be a significant hindrance in future financial matters.

This sort of short-term loan does have pluses, not least the straightforward way and speed with which the money can be transferred to your bank account, but it is important to make sure that the company you use is legitimate and reputable. Cash Genie is one company which is currently offering this type of loan over the internet and over the telephone. The amount of money they normally offer in a loan is between seventy-five and seven hundred and fifty pounds.

Please visit http://www.cashgenieblog.co.uk/ for further information about this topic.

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Cash Genie specialises in giving rapid decisions on short term loans.

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Although the financial crisis is officially finished, many individuals are still left battling to fulfil their financial obligations.

Debt is a matter nobody likes discussing and yet it is something that can harm us all in one way or another. Sometimes the problem is so bad that expert help is required, but in other cases, a quick fix is all that is needed to bring the problem under control.

What do you do when your children ask for funds for that important college field trip? Or your cooker breaks down? Unexpected events tend to be things that most people don’t think about saving for.

Banks and other financial organisations tightened their lending criteria throughout the recession and this led to some people over-extending on credit cards, which charge high interest rates, to solve these unexpected problems. Don’t let yourself slide into this trap. There is another answer.

Cash Genie specialises in furnishing immediate decisions on short term loans. A short term loan is repayable in full as soon as you have your next wage so it is a good solution when you need money cash in a hurry!

Unlike a lot of loan businesses, applying for funds from Cash Genie is so straight-forward. There’s no onerous paperwork to complete and the funds could be credited to your bank the same day!

Almost everybody over the age of 18 can apply to Cash Genie for a loan. In addition to being employed, you need to have debit card and a wage salary of more than 500 pounds. If you meet all of those criteria, you are eligible.

Cash Genie respects their applicant’s privacy and they have a number of security measures in place to retain the safety of all of your personal details.

If you are suffering bad financial problems, it would be advisable not to try and cope with your problems with this sort of short-term loan. There are several professional institutions that can help you solve your problems.

However, if you really do just require a short-term loan to pay for an unusual expense, you could get up to £750 from Cash Genie in seconds, 24/7. And better still, you won’t even have to pay any administration costs to set up the loan.

Please click http://www.cashgenie.co.uk/ for further information about this topic.

http://www.cashgenie.co.uk/

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