Borrowing Just Got Easier

There are many reasons why people put off applying for necessary loans. They may think that they would never qualify because of their bad credit score, or maybe they think the process would be too long and arduous to endure. Forget whatever reason is holding you back from getting an essential loan. When you need a small dollar for short-term goals (like that unexpected plumbing repair bill you got slapped with last week), they can be incredibly easy to secure. The money you need can be in your bank account in as little as one business day when you contact a state licensed direct online lender.

Why online? While there are plenty of lending companies offering loans from brick and mortar locations, they still require a meeting before they give you any money. You need to take time out of your day to speak with one of their representatives. When you have a busy schedule and you can’t afford to miss work meeting in-person can be down-right impossible. The Internet makes securing a loan easy, regardless of your schedule as you can apply online at anytime, anywhere. As long as you have access to a computer, are a US citizen over the age of 18 with a steady source of income, a veritable bank account, and an email address, you are ready to apply.

Most direct online lenders have a one-page application that’s easy to fill out. Once you submit your application, you’ll know instantly if you qualify. And since ‘direct’ is in their name, you won’t be receiving your loan from anyone but the lender you applied with. Direct online lenders are the sole organization facilitating their loans, so there will be no time spent wasted on bureaucratic red tape as they communicate with other institutions. Instead, your loan can be electronically transferred to your preferred bank account in one business day.

But before you accept any direct online lender’s offer, you should do considerable research to find the lender that will fit your current financial situation. It’s your responsibility to match your needs with a lender that can provide agreeable rates and terms. Keep your search to those lenders that are licensed by your state to provide loans. These loans should also be purposefully limited to an amount no greater than $1,000 in order to ensure repayment is feasible. As you complete your search, you’ll find that some direct online lenders will even offer flexible payback schedules. As one of the fastest growing online lenders in the country, MoneyKey has flexible options in Delaware, Texas, Illinois, Utah, and South Dakota. To discover what MoneyKey can do for you, be sure to explore their website.

Never let a low account balance or poor credit score keep you from getting the loan that you need. Contact a reputable, state licensed direct online lender for a small dollar loan, and you can quickly take care of all of your short-term goals, including that pesky plumbing repair!

In the Market for a New Home? Consider These Unique Choices

Buying a new home is something that few people do more than once in their lives. This is because a home costs a lot of money and is typically an investment that can last over a decade. However, once you’ve finally paid off that mortgage, it’s not uncommon to feel dissatisfied with your choice of home and you might start looking for a new home.

Picking a new home can be a tough job because of all the different choices you have. However, most city properties are very similar to each other and you might even find that they’re boring due to the lack of real differences between them. If you’re in the market for a new house, then consider these unique options before you settle on a property that is similar to your existing home.

Waterfront Properties

Waking up to a fantastic and beautiful view of a lake, ocean or even a river can be an amazing feeling. Getting out of bed, opening the curtains and seeing crystal clear blue waters is something that few people get to experience, let alone on a daily basis. Look for waterfront homes for sale and make all of your friends envious at your unique choice of property. Not only does it offer fantastic views, but it also offers you the opportunity to do a spot of fishing or even own a boat in the future. Waterfront properties can be rather expensive, but they’re worth the additional costs and you’ll be surprised at how much difference a great view can make to your mood.

Mountain Properties

If you want to experience life from a completely different perspective, then consider living on a mountain. Due to their location and surroundings, they actively promote physical activity such as mountain biking and hiking. Physical activity is aided by the crisp and clean air that will refill your lungs with pure oxygen instead of smog and smoke from the city. Mountain properties are usually in remote locations, so you won’t be getting fast food deliveries and your internet speeds might be a little slower than what you’re used to. However, a mountain is, without a doubt, one of the most interesting and life-changing locations to move to.

Forest Properties

Homes in a forest are typically very expensive due to their secluded and private nature. However, what they offer is something that is unlike any other property you could imagine living in. Due to the amount of plant life around you, the air is extremely clean and uplifting—even more so than living on a mountain. You’re also surrounded by nature, meaning you’ll get a constant stream of noises from birds chirping, leaves rustling and the wind gently blowing. There are, of course, going to be a lot of bugs and you might get a rodent or two trying to invade your home, so you need to be comfortable living around animals and insects. However, if you absolutely loving being one with nature and love to take walks in forests and explore, then you can’t go wrong with a forest property.

Car Leasing Pros and Cons to Help You Decide

car leasing pros and cons

Car leasing is a growing trend in the world and is gaining more and more popularity by the day. This is not only because it is a financially viable solution but also because it offers the user many other amenities as well. But as with any other service in the market, car leasing has its own set of flaws with lack of complete ownership being the biggest of them. Although it is a growing trend, not many people are aware about this process due to the novelty of it. So given below is a handy guide structured based on car leasing pros and cons:

Pro #1 – Low cost

As mentioned above, the economic viability of this process plays a pivotal role in its sales. Usually in a car purchase, the customer applies for a loan, purchases the car and spends the next several years  paying it off. But on the other hand, car leasing payments are lower in terms of both payment and payment time. When in financial difficulty, you do not have to make your payments since the contract can be terminated. Furthermore, since most car leasing contracts are made for a minimum of 4 years, the customer will not have to spend much on upkeep, maintenance and repair.

Pro #2 – Flexibility

Unlike car purchasing, leasing is usually done according to the customer’s terms. He/she will be given a say in the lease period as well as the amount. Leasing a car enables you to drive a new model every once in a while. This way, you do not have to be stuck with an outdated car. Furthermore, since this process has fewer financial restrictions, you will be able to choose a car that you like rather than a car that you can afford.

Con #1 – Mileage limits

A car lease contract restricts you from driving to your heart’s content. The contract will give you a mileage limit which you will have to adhere to in all situations. The usual mileage value given for a customer is between 12,000 – 15,000 miles per year. Failure to comply will result in penalty. That is, you will have to pay compensation for every extra mile that you drive. This limits spontaneous car trips and forces the user to stick to a preplanned schedule.

Con #2 – No customization

Despite all the advantages, the bitter truth is that, the car does not belong to you. It is a property of the leasing agency and is only temporarily borrowed. So you are expected to return the car at the end of the lease period. Although most users include additional sound systems, accessories, and gadgets and even change the color of the car after signing the lease contract, all modifications must be reversed before the car is returned to the agency. This way, you will have to pay for both installing and removing the modifications.

So remember to do your research before making the final decision. Instead of going with trend, choose the option that suits both your financial and driving requirements.