Get your hands on extra cash today. Sell old cell phones: A study released in 2015 found that half of the people surveyed had at least one old cell phone gathering dust. You can sell your old phone on sites such as Swappa and Gazelle, but to get cash today, using an ecoATM kiosk is your best bet.
Consider selling old MP3 players and tablets, too. Sell unused gift cards: In 2015, an estimated 973 million in gift cards went unused, according to research and advisory firm CEB TowerGroup.
Most online gift card exchanges take a few days because you have to mail the card and then wait for a check or direct deposit, but Cardpool kiosks offer instant cash for cards valued at 20 or more. Youll get slightly less there; the company pays up to 85 of the cards value at its kiosks, while it pays up to 92 if you sell through its website. Pawn something: As a way to borrow money, pawnshop loans are not great. But theyre quick, and if you cant repay does taking out a cash advance hurt your credit loan, the pawnshop simply keeps the item you used as collateral.
Thats a lot better than ruined credit and calls from debt hdfc bank personal loan processing charges.
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Roadside assistance program fees: Some lenders offer a roadside assistance program for people who have a title loan, and many companies require this program, charging a fee for it. Finance fee: Payday lenders charge a finance fee upfront, which you include on your post-dated check. If you roll your loan over for an extended period, you will be charged this initial finance fee plus an additional finance fee. The fee will continue to grow until you finally pay off the full amount of the loan.
Interest rates: Lenders are required to tell borrowers the exact APR being charged to the loan before the borrower agrees to the terms of the loan. Extra requirements. All title loan borrowers must repay the amount of money they owe, pay interest, surrender their car title and pay fees.
However, some companies have extra requirements when giving out a title loan.