3 Benefits of Payday Loans for Thanksgiving and Black Friday Shopping

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More than any time of year, you need money for Black Friday shopping. The deals on Black Friday are absolute steals! And the temptation to spend and send gifts to your family and friends in time for the holidays looms over you. Oh, the guilt and dismay you feel if you feel like you cannot give them the quality gifts they deserve. And oh, the disappointment and hopelessness you feel when you cannot treat yourself during this time of year that demands joy, love and gratitude.

It can wear you down to feel limited by funds when there’s so much pressure to give and delight in the little things this time of year. Fret not and fear not, there are ways to have money for Black Friday shopping without emptying your own wallet! A Christmas miracle, you might say, why yes indeed! Money 4 You Payday Loans is here for Utah customers this holiday season. Originally a Mom and Pop business with ONE store and now a franchise of 21 locations, Money 4 You Payday Loans maintains that trustworthy, small-town business approach. Here are 3 Benefits of Payday Loans to consider for Black Friday!

Payday Loans Are QUICK!

Most loans require a lot of paperwork and processing time. But you can apply for a payday loan and hear back from a lender within HOURS, sometimes feedback can be WITHIN the hour. They’re ideal for last minute Thanksgiving and money for Black Friday shopping even just applying that Wednesday before!

Fewer Requirements!

The main requirement for a payday loan is that you have a steady source of income. In other words, you just need to prove you have a job and you’re qualified! Other loans require a collateral and good credit. But you can qualify for a payday loan even with bad credit!

You Can Do It ALL Online!

The reason payday loans are so fast is because you can do it all online, without setting up a meeting with a loan officer. How convenient is that? You can send your application from your home computer or office computer and quickly set everything up. Again, this is ideal because you can do it that mellow week leading up to Thanksgiving on Thursday and have money that stretches even further given that Black Friday deals are often the most reduced prices of the year.

Author Statement:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

Money 4 You Payday Loans
money4youpaydayloans.com

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5 Things You Didn’t Know You Can Claim as Tax Deductions

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High profile tax evasion cases always pop up on our screens from time to time. The taxman is not a popular figure, but we still need to remit our taxes every other fiscal year. Did you know that you can get some of this money back as tax deductions? Here are 5 things you didn’t know you can claim as tax deductions:

Charitable Donations

Charitable causes have been known to earn tax deductions for individuals who put in loads of cash. What has not been made clear is that smaller donations can also make you legible for deductions. Every time you give towards a noble cause in your locality, ensure that you fill out the right forms. They will come in handy when you need to make a claim.

Medical Costs

Exceedingly high medical Costs have earned numerous people tax deductions, and you can join this bandwagon. To earn this deduction, you’ll need to pay close attention to every dollar you spend when seeking medical attention. Individuals who’ve enjoyed this tax break have had to spend more than 10% of their annual income on medical care. 

Earned Income Tax Credit

A large percent of middle-class Americans have foregone this opportunity with the assumption that they make a lot. If your income is low, moderate or anything between those two, then you are a perfect candidate for this tax deduction. Self-employed people can also claim this deduction.

Reinvested Dividends

You’ll need to keep a close eye on your investments and report everything as accurately as possible. Accurate reporting ensures that you won’t mention huge sums of investments that will result in excessive taxes. When you eventually decide to cash in on your shares, the taxable capital gain will inevitably be lower.

Deductions on Small Enterprises

Office supplies would also be an excellent place to start. Entrepreneurs who are sourcing office supplies will enjoy higher deductions. Office furniture is another avenue for tax deductions, and you can choose to make a claim once or after every year depending on your preference. A good number of office expenditure will also earn you tax deductions.
The tax season should not always be all gloom. Make the most of these tax deduction opportunities and enjoy the next tax season when it comes rolling. You can smile all the way to the bank to collect your deductions after paying your taxes as a law-abiding citizen.

The tax information contained with in this website is provided for informational purposes only and is not intended to substitute for expert advice from a professional tax/financial planner or the IRS.

Author Statement:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

Money 4 You Payday Loans

money4youpaydayloans.com

Advantages of bad credit installment loans

Advantages of bad credit installment loans

 

There are certain times in life when you may be faced with a financial emergency, and you need to take a loan to deal with the situation. Your car or refrigerator may break down at the most inopportune time. If your credit score is perfect, you may not have trouble accessing the loans that you require.

But, what will happen in case your credit score isn’t as good as it should be and you find yourself in such a tight spot financially? This is the right time you need to think about bad credit installment loans. Here are some of the top advantages of bad credit installment loans Utah that you need to understand.

 

No Need to Worry about Your Credit History

This is one of the most significant advantages of bad credit installment loans. The lender will not use your past financial mistakes to deny you the money that you require. There is no need to worry about your credit report or rating since the lender isn’t going to look at them. The lender is only interested in your ability to repay the loan on time. Lenders who offer bad credit installment loans Utah are more concerned about your future and not your past.

 

They Are Convenient

You can apply for a bad credit installment loan anytime anywhere. Unlike conventional lenders such as banks that operate between nine and five in the evening, bad credit installment loan lenders are flexible and can process your loan request at any time. Their online presence offers you the much-needed convenience to apply for a loan from the comfort of your home or office.

 

No Restrictions on How You Spend Your Money

You can spend your bad credit installment loan on anything that you wish. This is unlike some of the loans offered by conventional lenders that must be spent on a particular item. For instance, you can only spend a mortgage on acquiring a home and an auto loan on purchasing a car. As long as you borrow responsibly and use your credit to address a financial emergency situation, you won’t feel any trouble repaying your loan.

 

Quick Approval

Not only are these types of loans convenient, but they are also easy to get approved. Bad credit installment loans have an average approval rate of between 80 and 95%. The loan will also be processed within a short period so that you can access your funds. Typically, a bad credit installment loan request will be processed on the same day or the next business day. The funds will be transferred to your bank account within 24 hours.

 

Are you facing a financial emergency in Utah? Contact Money 4 You Payday today for an instant bad credit installment loan to sort out your issues. We have been serving the Utah community for over two decades, and we have kept the same rates for over 20 years. Talk to us today and let us help you.

 

Author Statement:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

 

Money 4 You Payday Loans
money4youpaydayloans.com

 

Pay Day Loan vs Title Loan

Pay Day Loan vs Title Loan

Roughly 2 million people borrow money using title loans each year. And around 12 million people are taking out payday loans annually.

For many Americans, this has become the norm – taking out loans to make ends meet. Some use them regularly to pay for monthly bills, while others get them sporadically to help with emergency expenses.

If you’re thinking about getting pay day loans in Utah, but aren’t sure if it’s right for you, then this guide may help. We’re going to review the differences between a pay day loan vs title loan.

Let’s take a look.

What Are the Requirements for Pay Day Loans in Utah?

Pay day loans are great to use when you’re in need of quick funds to pay for small debts. For example, a light bill, rent, doctor visit, or food shopping.

In order to get pay day loans, you have to meet certain criteria. For instance, you need:

  • Verifiable income
  • Open and active checking account
  • Be at least 18 years old
  • Valid phone number

Pay day loans allow you borrow between $50 and $3,000. You’ll have to pay a fee, which sits around $20 per $100 you borrow. Your income will impact how much you can borrow.

You’re required to repay the loan on your next payday (can be between 8 and 36 days). This is normally automatically deducted from your checking account unless you repay it earlier.

 

What Are the Requirements for Title Loans in Utah?

The main difference between title loans and pay day loans is the collateral. With a pay day loan, you can get a loan just for showing you have employment and a bank account.

However, with a title loan, you must put your vehicle’s possession on the line. In the event you don’t repay your loan, the lender can confiscate your vehicle.

In order to qualify, you need:

  • A car title in your name
  • Driver’s license or state I.D.
  • Your vehicle available for inspection

The amount of your loan depends on the value of your vehicle. Some lenders offer up to $15,000 to $20,000. The minimum you can take out varies, but is usually around $1,500 to $2,600.

The fee for these loans can range from $1,500 to $7,000.

 

Getting a Quick Loan

If you’re looking for a loan that doesn’t have a lot of risk or high fees, then you should opt for pay day loans in Utah. The fees are lower compared to title loans and you won’t risk losing your car.

Pay day loans are also available at lower limits, which may be more suitable for your needs. However, if you need a large lump sum of cash and feel confident you can pay it off quickly to avoid high interest rates, then title loans are your best bet.

Hopefully, this article helped you understand the differences between the two loans and how you can use them to stay ahead financially. If you need a quick quote for a pay day loan, then fill out our online application today!

 

Author Statement:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

 

Money 4 You Payday Loans
money4youpaydayloans.com

Bad Credit Loans: What Are My Options?

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Are you enduring a bad credit score after missing repayments on your loan, or have you had a bankruptcy charge or a county court judgment against your name? Having a bad credit score doesn’t necessarily insinuate that you are irresponsible. At times, bad economy, loss of a job, or unexpected bills like medical expenses can put you in a financial difficulty. And, even though bad credit may be a stumbling block to getting a solid financial future, you can still acquire a loan with bad credit. Here are the bad credit installment loans in Utah options to consider if you have a bad credit score.

 

Visit a Credit Union

Being nonprofit organizations, credit unions often pass their earnings to the members in the form of lower borrowing costs and customized customer service. They are more flexible and can be forgiving to customers with imperfect credit scores. The only requirement is to become a member.

 

Borrow From Family or Friends

The decision to borrow from friends or family shouldn’t be taken lightly since defaulting to pay back the loan could lead to poisoned relationships. To avoid future problems, you should have legal contracts stating loan terms, interest rates, and what happens if one defaults.

 

Consider Guarantor Loans

You can find someone with an outstanding credit score who trusts your ability to repay the loan to co-sign a loan application. You are both held responsible for the repayments. Timely payments boost both your credit scores whereas late payment or defaulting reflects negatively on both your credit scores.

 

Try Marketplace Lenders (Peer-to-Peer Loans)

With marketplace lenders, you can borrow from another individual instead of going to financial institutions. You can create a profile and post an affordable loan listing on peer-to-peer websites where investors can review and choose if they wish to fund.

 

Secured Loans

Even with a bad credit score, you can still acquire a bank loan by borrowing against your own assets such as your car, savings, home, and even stocks. The lender holds the asset as collateral in case you default on the loan.

 

Payday Loans

These are unsecured short-term loans that you must repay by your next payday.

Money issues can crop up at any time in your life, ranging from medical emergencies to a car breakdown or even day-to-day expenses between paychecks. Let Money 4 You Payday Loans help tide you over. Our loan application process is fast, easy, and friendly. Contact us today for your Utah money needs.

 

About the Author:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feel from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

 

Money 4 You Payday Loans
money4youpaydayloans.com

Is Getting a Cash Advance Loan in Utah Easy?

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Have you ever been caught in a financially challenging situation midmonth and your salary won’t be released until after two weeks or so? Most of us have been through that time, and the only way out was borrowing from friends and family. This tactic might work once, twice or even severally until that one day when everyone you know is also as broke as you. In this situation, you will need to consult with a financier who provides cash advance loans in Utah if you are from around the area. Here are a few things you need to know about cash advance loan in Utah.

 

What is a cash advance loan?

A cash advance loan also referred to as a payday loan, is a short-term loan that is typically due for payment after 14 days. In the arrangement, you will borrow the amount you want from a bank or provider, and you are required to return the money together with the interest after the time has elapsed. There are numerous regulations on the limits that your loan provider can charge you. Soldiers and their descendants always receive extra protection and might even get complete waivers from such interest.

 

How easy is it to get a cash advance loan in Utah?

The process involved in securing your payday loan is particularly simple in Utah. There are at most three steps to the exercise, and you will be able to have completed the ordeal.

  • First, you need to give your provider a check quoting the exact amount of money you want to borrow. The amount on the test should also include the fee that you will be required to pay for the money.
  • The lender will then hand you the money and keep the check you gave them. The money they will provide will be less the fee for the loan
  • After the allocated time has elapsed, you have to take the money to the lender and have them return your check.

 

How high can the fees go?

The cash advance loans are not expensive, however, charges depend on the lender’s terms and conditions. Average rates in Utah is around 12.5%. If you fail to pay back the loan on time, then the loan will roll over. This means that you will pay twice the fee after two more weeks have elapsed. For cash advance loan Utah, contact Money 4 You Payday Loans.

 

About the Author:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feels from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

 

Money 4 You Payday Loans
money4youpaydayloans.com

 

How Payday Loans Work in Utah

How Pay Day Loans Work in Utah

Payday Loans have become an essential part of financial survival for many residents of the state of Utah. According to a Utah governmental audit, each year approximately 60,000 to 120,000 adult Utah residents use a payday loan each year. There are many payday loans companies in Utah which can provide these short-term loan options for those with urgent financial needs.

What is a Payday Loan?

A Payday loan refers to a short-term loan (also known as a deferred deposit loan) from a lender for immediate or emergency expenses such as car repairs, rent or utility bills. With a payday loan, the lender holds a personal check for the amount borrowed plus interest as collateral. The check is then deposited into the borrower’s checking account in full payment of the loan on the borrower’s next payday.

 

What is Required for a Payday Loan in Utah?

To qualify for a Payday Loan from payday loans companies Utah, a potential Payday Loan borrower must have been employed for at least one month. Another requirement is that a Payday Loan applicant has an active and open checking account. Also required by most payday loans companies Utah is an active phone number and proof of income. A valid utility bill with your name and address, a valid form of identification and 3 or 4 personal references are also normally required.

 

How Much Can I Borrow and How Much Does a Loan Cost From Payday Loans Companies in Utah?

Payday loans from payday loans companies in Utah can usually range anywhere from $100 to $500. The annual interest rate for a Payday Loan in Utah is 521.43% or an interest rate of $20 every 2 weeks to borrow $100.

 

How Do I Apply for a Payday Loan?

A Payday Loan in Utah can be applied for using a simple and convenient online form. Applications can also be completed at local offices of payday loans companies in Utah.

 

Call Today to Apply for a Payday Loan in Utah

Money4You Payday Loans has served the short-term financial needs of Utah for over 20 years. Our quick application process is 100% safe and secure, and your first loan is interest-free! Call us today at 855-MY-MrMoney to apply for a Payday Loan.

 

About the Author:

Mike is the owner of Money 4 You Payday Loans in Utah. He has been serving the community for over 20 years and has kept that small-town, friendly business feels from the start. Money 4 You Payday Loans has 21 locations across Utah to serve you.

 

Money 4 You Payday Loans
money4youpaydayloans.com