At one time or another, maybe several times depending on your good or bad luck, an emergency will arise that a quick infusion of cash will solve but you are like so many of us that just make it from one payday to another. And you have little, if any, savings!
Maybe your auto mechanic gives you some bad news. You just came in for an oil change. He checked your brakes and they are in bad shape and need to be replaced right now! Two hundred fifty dollars will take care of it but you do not have that type of cash on hand. You dont want to ask your brother-in-law again and have to listen to him tell you what a poor money manager you are.
You cannot go to Household Finance Company or any of those loan companies because you need only a small loan for a short time. You dont want to be locked in to a minimum loan of $2,500 for a minimum payback period of one year. Besides, you wouldnt pass the credit check and your credit cards are all maxed out!
What about the bank where you have your checking account? Forget it! Same deal, poor credit history. And the loan officer would snicker at a loan application for such a small amount of money.
But...
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