Need Extra Cash Until Next Payday?

Strapped for cash? It happens to all of us at one time or another. If you have bad credit and need a high risk short term loan, Banklady is here to help. We have a roster of bad credit lenders, loans to help you make it to the next payday, and credit tips on cleaning up your poor credit.

Read through our site to learn first how to prevent yourself from having to resort to a high interest cash advance. Payday loans should only be sought after if you have weighed your options and feel you cannot get other short term personal loans. If you need up to $1,500 overnight in your bank account, or if you own a home and want to cash in on some of the equity, our top rated lenders can provide you with financial assistance – even if you have bad credit.

Debt Consolidation Loans: Pay Off Bills and Credit Card Debt

Are you drowning in deep shark water when it comes to the amount of debt you owe? Our programs allow consumers to seek debt assistance for unsecured lines of credit such as credit cards, utility bills, hospital and medical bills.

A debt consolidation loan can help you:

• Lower monthly payments up to 50% or more
• Consolidate bills into one monthly payment
• Pay off credit card debt in half the time, in some cases.
• Can make your life less stressful if you have too many creditors

Debt management, non-profit credit counseling services, debt settlement, and credit card consolidation are just a few of the services you'll find offered here. Learn how you can reduce your financial stress with a free debt analysis of how debt reduction management can help you. Free debt consolidation services can free you from high interest debt, harassing phone calls, and a poor credit rating.

Tap Into The Equity In Your Home, Or Refinance Your Mortgage

Home equity loans can provide you with extra cash for a new computer, RV, a family vacation, or home improvements, at a lower interest rate. Our home loans are flexible; you can choose a 10, 15, or 30-year term loan, whether you're buying a new home, a vacation property, a townhouse, a mobile home, or that dream home you've always wanted.

Rebuild Your Credit With Secured and Unsecured credit card

Credit cards are abused so much that banks now offer secured credit cards to help prevent credit problems. With a secured credit card, also called a prepaid card, you "load" your card with a prepaid amount of money. Secured credit cards can be a good first step to building or establishing your credit. From there, you can proceed to a guaranteed unsecured Visa or MasterCard. Banklady's list of lenders who offer credit cards to those with bad credit include Centennial, Orchard Bank, and First Premier Bank. At Banklady, we also have many new unsecured cards to help you repair your bad credit. These special lenders offer instant unsecured credit card approval and no security deposit.

Need to Repair Your Credit?

We offer many ways to help you repair your credit. We can help you to obtain a credit card, apply for a small loan, and undergo debt consolidation. Alternatively, you may choose to use a credit repair agency to help get the bad marks off your credit. This may involve something as simple as a letter, or may require more complicated legal action. A credit repair service may help clear up your credit report, resulting in a higher credit score for you.

Your Source for Bad Credit Problems

Granting personal loans for people with bad credit strikes many as a risky practice for lenders. After all, a person with bad credit most likely has a history of late or missed payments. But most bad credit personal loans are actually far more risky for the borrower. That's because such loans usually require collateral in the form of a home, and come with extremely high interest rates and high monthly payments. If the borrower defaults on the loan, the lender can sell the house to make up for the loss. If a person's bad credit is directly related to lower income, making steep loan payments on time can be tremendously difficult. With a house on the line, getting too far behind on the loan can come at a very high cost.

Find lenders who approve personal loans for people with bad credit. Not every lender will grant loans to people with bad credit. In fact, most banks, credit unions, and mortgage services will not even consider applications unless the individual has above average credit. However, there is hope. Some direct lending services do approve people with bad credit for high interest, personal loans.

What do people use these bad credit loans for? Most bad credit loan services serve people who want to purchase or refinance a house. Some bad credit lenders offer new and used car loans as well. At the very least, a person with bad credit can receive a personal paycheck advance loan. Leveraged correctly, this money can help a person to turn his or her financial status around. It is extremely important that people who seek out bad credit loans take plenty of time to research all the options and find out exactly what they will need to do to maintain timely payments.

How can I save money on high fuel prices?

Gas prices are now higher than ever. These tips will help you stretch your money at the pump. A gas rebate credit card is your best defense in paying cheaper gas prices. Here are a few gas credit cards to help you save money:

Discover Gas Card

What is a Home Equity Line of Credit?

A home equity line of credit, also referred to as a HELOC, is a loan where you borrow against the worth of your home, which is used as collateral. You can use the cash for any purpose you choose, such as paying off high interest debt, home improvements, vacations, or emergencies. Interest rates and loan costs are typically lower than that of a cash advance loan, and will even improve your credit rating once it's fully paid off. In most cases, home equity lines of credit are also tax deductible. Find out more here about HELOC loans.

Did you know that credit bureaus can only report bad credit information for up to seven years with some exceptions? Bankruptcy information can be reported for ten years and anything reported in response to an application for a $75,000 salary job or more has no time limit.

If you are concerned about bad credit information on your record, you may need legal help. You may also want to consider credit counseling services to get your FICO score higher and qualify for a loan at a lower fixed rate.