Advice 1: Where urgently to take money

Many complain of the lack of funds, but there are times when you need to get the money. This should be some options to at least one of them worked, otherwise the problem will be very hard to solve and finding the answer will take a long time.

To borrow


If you urgently need money, you can borrow money from relatives and friends. Of course, a lot to borrow will not work, and not everyone has someone close is free money, but it's better to ask than to suffer doubts. If the amount is large enough, it is possible to borrow money from several people. Thus, the chance of rejection will be much lower since the amount is not very large. The advantage of this loan is that you will not need to pay interest. However, debt will need to return in time, otherwise the relationship will be damaged and recover them will be very difficult.

A Bank loan


If relatives and friends refused to help, you can try to take a Bank loan. However, in this case you will need to collect a lot of documents and a pledge to leave your property. It is important to remember that banks can refuse the loan if a person has a bad credit history. A huge disadvantage of the relationship with the Bank is a large percentage on the loan. Also make a certain amount of money will need monthly, delayed payment penalty.

Lombard


When you urgently need money and the loan was denied, you should contact the pawn shop. However, in this case you will need to mortgage the property, decoration. The disadvantage of such a loan is the huge interest and a great risk of losing the collateral. But the advantages of this method of obtaining the required amount is also available. So, completely uninteresting Lombard credit history of the borrower, the money is available very quickly, require minimal paperwork.

Credit unions


Credit unions ready to give funds almost any purpose: medical treatment, education, purchasing home appliances and so on. The collateral for the loan may be a car, real estate, furniture. Credit unions have several advantages over banks. They are more humane attitude to borrowers. So, in case of a delay of payment on the loan, the borrower needs only to report its cause that it had not invoked the penalties for a certain period. It may be a week, in some cases 1.5 months.

Loan at work


If a person is valued at work, he may appeal to the Director with a request to give him a loan at wages. Of course, he will have to sign some documents, but in this case he will not have to pay interest and the debt will be able to pay quickly, it will simply be deducted from wages.

Advice 2: Where to take money in debt

Situation when you may need money, not uncommon. And the reasons can be quite diverse - from the need to pay for treatment or training to a temporary intercepting means to a paycheck. And not always is the so-called "safety cushion". Therefore, the logical question becomes: where to take money in debt.
To borrow the desired amount today is not difficult. It used to be able to borrow from friends. Today you can solve their problems without straining your family and friends.

Where can I get a loan



Naturally, despite the development of the banking industry, friends has not been canceled. Advantages to get money from close friends that it is fast, requires no documents and interest.
It is worth considering the fact that borrowed money from friends can ruin your friendship. So it's important to give back and it is better to write a receipt.


You can borrow money and the banks. Today it is absolutely not a problem. However, there are also disadvantages. First, the high interest rate. Because banks give General purpose loans at very high interest rates - rates can start from 20% and up to 70-80%. This means that the overpayment will be a huge amount, often equal to 2-3 - taken loans. Second, the loan need to be returned on time and installed parts.
To take money on credit with the expectation that they can not give a bad idea. In the law there are loopholes that allow you to cheat the Bank, but in the future it can be fraught. And when you request for a mortgage or a car loan like this can emerge.


Take the money you can borrow in the Bureau of microloans. They quickly give the required amount (however, there are limits on the size of the loan - only a small amount to 300 000 rubles) do not conduct inspections of solvency of the client. A huge disadvantage of this method is a very high interest rate - it reaches 100-150% per month.

If there are values, you can seek the assistance of the pawn shops. This method, however, often used by women than men. Lombard loan allows you to get money right now in exchange for left with the jewels. Moreover, the gold and gems, and other Antiques can be returned by paying interest for the use of money. If they are not particularly needed, they can and leave, forgetting about the debt.

The loan credit cooperative is categorized as "fast" money. The credit cooperatives operate on the principle of savings and loan associations for mutual financial assistance. And today, these organizations give out loans not only to their shareholders but also to third-party customers. Rate in cooperatives hovers around 20%. Economists distinguish 2 types of such organizations. Some focused on work with individuals, others with other credit cooperatives.

There is another option - loan, Internet payment systems like Webmoney, Yandex.Money, etc. Such organizations are distinguished by the presence of low interest rates - from 1% to 5%. And to borrow money through the Internet is quite simple - simply apply and wait for a response from lenders electronic exchanges. You can get an offer from several lenders. This method is a convenient option for those who want to get fast money in a variety of cities: whether it Ukhta, Perm or any other, not only in the capital.

What to consider in connection with taking money



Taking money in debt, you need to remember that they have to return. And in most cases return a lot more than he took. Therefore, it is better not to get involved and to turn to borrowed money only in cases of extreme necessity, when no other way just yet.

Borrowing money in different organizations need to consider that you have to overpay. Therefore, pre-calculate what the maximum payment you can afford. Experts say that it should not take more than a third of your monthly budget. The only way you will be easy to bring him back.

Do not delay repaying a debt, even if you take it from friends and relatives. After all, you will get the reputation of an optional person and in the future you are unlikely to lend more.
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