Even if you are far from home, a quick payday loan can help you out of a money emergency. Running out of money can put a damper on your vacation fast and so can an unforeseen drain on your funds, such as having your car break down before you even reach your destination. Get your vacation (and car) back on track and avoid having to spend another day in East Nowhere by getting cash fast with a payday loan.

Why get a quick payday loan?

The following features of a quick payday loan are precisely the reason why many people choose this type of short term financing:

• Convenience — the online payday loan application is fast and easy
• Availability — you can apply 24 hours a day, seven days a week
• Accessible — loan applications can be done online from anywhere in the world
• Fast — apply in less than three minutes
• Easy — no complicated forms to complete
• No fax — you typically don’t need to scramble to find a fax machine to fax documents
• No credit check — no waiting for your credit to be checked
• Response in minutes — get a response in just minutes
• Get up to $1,500 deposited quickly, upon approval
• Money can be available in as little as two hours

A quick payday loan can help you handle:

• Car repairs
• Weather emergencies
• Medical emergency
• Airline tickets
• Lost or stolen wallet
• Hotel room upgrade
• Extended stay
• Underestimated costs

Get a quick payday loan and enjoy your vacation!

How many times have you faced a potential vacation disaster and wished you had fast access to extra cash? Whether it’s a transportation issue or you simply want to extend your vacation to explore more places, all you need is a computer with an internet connection, and you can have the money you need through a fast payday loan. Don’t let a small money emergency put a snag on your vacation plans. No matter where you are in the world, you are just a few minutes away from a quick payday loan that can help put you back in vacation mode.

Start your quick payday loan application HERE!

Quick payday loans for emergencies

They always seem to happen at the worst time, but a quick payday loan can help you cover your immediate financial emergencies.

Did your car breakdown? Pipes spring a leak? Does a family member need emergency medical treatment? Any of these is enough to break your budget. But these are genuine emergencies that can’t wait. What can you do if you don’t have the money to pay for these unexpected events? A quick payday loan can be the answer.

• Apply securely online in less than three minutes
• Generally no credit check and no faxing make for quick processing
• Get up to $1,500 in as little as two hours
• Bad credit, no credit OK

Quick payday loans instead of credit card advances

Credit card advances create credit problems on several fronts, and these problems can haunt you for years. One of the factors that determine your credit rating is how much available credit you use. If you use more than 30 percent of your available credit, your credit rating is decreased. In other words, if you have credit cards with total limits of $3,000, you can only use $1,000 before the credit bureaus lower your credit score. Lower credit scores could mean that getting approved for car and home loans will be harder and the loans you do qualify for will come with higher interest rates. It is vital that you know what adversely affects your credit score. A payday loan will not affect your credit score.

Online payday loans for a temporary budget shortfall

If your budget is stretched to the breaking point this month, a quick payday loan can give you the breathing room you need to pay your bills on time. Your credit rating will remain intact, and you can pay your loan off with your next paycheck or over time using the installment loan option available at Personal Money Market. Don’t let a temporary budget crunch ruin your credit score with a late or missed payment. Make that payment today with a quick online payday loan.

Quick and easy online payday applications get you money fast. Your paycheck advance for as much as $1,500 can be in the bank in as little as two hours. Relax! You can pay your bills with a quick payday loan today!

Apply for quick payday loans | Start HERE!

Online loans are fast

Applying for online loans is fast, private and secure. In many cases, a payday lender can deposit cash to your bank account in just a couple of hours.

• Loans of up to $1,500
• Quick, easy and hassle-free
• Credit check typically not required
• Bad credit, no credit and bankruptcy history accepted
• One short application finds the best payday lender
• Convenient, automatic repayment

Online loans are short-term

Online payday loans are a form of short-term credit. One of the best things about online loans is that they’re paid back quickly so you aren’t saddled with months of payments. Most online loans are paid back in one automatic deduction from your bank account on your next payday, but if you need more time, installment loans are also available. If you need more time and you have credit problems, installment loans for bad credit may be the answer.

Online loans make good sense

Anyone who struggles with money — and really, who doesn’t? — knows what it’s like to come up short of cash at the most inconvenient times. If you need money now and can get by on your next paycheck after paying back a cash advance, an online loan makes good sense. The cost of a quick payday loan can be much less than late-payment fees or bounced-check charges, and the peace of mind is worth every dime.

Online loans are available right now

When you need to borrow money, don’t wait for problems to spiral out of control. Instead, save yourself added headache and hassle by applying for an online loan sooner rather than later.

Need fast online loans? Start your application HERE

Get money quickly

If you need money now, it’s easy to get a payday cash loan at Personal Money Market. The online application process is fast and hassle-free.

• Credit checks generally not required
• Loans for bad credit, no credit and bankruptcy history
• Secure, private, online application
• No faxing, driving or standing in line
• Instant matching with a reputable lender
• Immediate response to loan request
• In many cases, funds available in just two hours
• Funds deposited automatically
• Loans of up to $1,500

Pay it back easily

Most payday cash loans are paid back in one automatic deduction from your bank account on your next payday. If you can get by on your next paycheck after paying back a cash advance, a single-payment payday loan is a great way to get back on track with your budget. If you need a little more time to pay a loan back and would rather make several smaller payments, you might qualify for an installment loan. Don’t worry if you have less-than-pristine credit because there are also installment loans for bad credit.

Avoid over-spending

When you use a payday cash loan instead of credit cards to pad your budget until payday, you don’t have to worry about spending too much. With a payday cash loan, you’ll know exactly how much money you have in the bank, how much you can afford to spend, how much the loan will cost, and exactly when it will be paid off.

Save money, too

In the long run, credit-card fees are much higher than the cost of a quick payday loan. Anyone who’s ever accidentally charged too much on a credit card knows how long it can take to pay it off and how expensive it is.

Don’t wait for things to get worse

Today, people from all walks of life are finding out what it’s like to struggle from paycheck to paycheck. No matter what kind of financial situation you’re in, there’s no denying that it’s miserable to scrape by without cash until payday. Lucky for you (and everyone else!) it’s easy to get back on track before the situation gets worse by applying for a payday cash loan today.

Need some cash until payday? Apply NOW!

Quick payday loans are easy to get

• Generally no credit check, no faxing
• Bad credit and no credit OK
• Installment loans for bad credit available
• Apply online from your home or office
• Instant matching with a reputable lender
• Immediate response to your application
• Up to $1,500 can be available in as little as two hours

Quick payday loans save money

Late fees add up quickly when you fall behind on the bills. A cash advance isn’t free, of course, but the cost of a quick payday loan can be much less than the late fees on your rent or mortgage. If you’ve ever had a utility service disconnected, you know how expensive it is to get it reconnected. Add credit-card late fees or bank overdraft charges to the mix, and the cost of a payday loan pales in comparison.

Quick payday loans protect your credit

Today, credit scores are used for much more than obtaining credit. Landlords use them to make decisions about leasing or renting. Employers use them to make decisions about hiring or promoting. Insurance companies use them to set premium amounts.

If you have good credit, protect it from derogatory marks by getting a quick payday loan rather than paying your bills late. If your credit score is less than perfect, a quick payday loan can prevent further damage and can even improve your credit by helping you pay your bills on time consistently.

Quick payday loans make ends meet

When you’re struggling with money, it can be dangerous to use credit cards. Money problems become much worse when you accidentally overspend with credit cards. Payday loans used wisely, on the other hand, really can help you live within your budget. When you get a payday loan, you know exactly how much money you have in the bank, how much the loan costs and when it will be paid off. There are no surprises, just well-deserved peace of mind.

Quick Payday Loans | Start your application HERE!

Whatever the reason, when you’re short of cash until payday, a quick payday loan can make all the difference.

Quick payday loans are quick!

When you apply for quick payday loans at Personal Money Market, everything is done online. There’s usually nothing to fax, no phone calls to make and no need to leave your home or office. It takes just a couple of minutes to complete your application, and as soon as you do, Personal Money Market matches you with a reputable payday lender offering the best loan for your individual situation.

You’ll know right away whether your loan request is approved; there’s no waiting or wondering. In many cases, funds can be deposited to your bank account in as little as two hours.

Quick payday loans are easy to pay back

Most payday loans are paid back in one automatic deduction from your bank account on your next payday. You don’t have to bother mailing a check or paying online. If you’d prefer to make several smaller payments over a longer period of time, you may be able to qualify for an installment loan — or better yet, an installment loan for bad credit.

Quick payday loans are easy to understand

If you know you can get by on your next paycheck after paying back a small cash advance, a quick payday loan can be a great way to budget your expenses. Unlike credit cards, you can’t overspend, and there are no unwelcome surprises later on when the statement comes. With a quick payday loan, you’ll know right up front how much money you have in the bank, how much the loan will cost and when it will be repaid.

Quick payday loans are the way to go

• No credit check
• Bad credit, lack of credit or bankruptcy OK
• No faxing
• Loans of up to $1,500
• Private, secure, hassle-free application
• Convenient repayment
• Quick money, quick peace of mind

Start your quick payday loan application HERE!

Instant Payday Loans in minutes!

You could be approved for an instant payday loan in as little as two hours. No longer do you have to surrender extensive personal information to get approved for your instant payday loan. Plus, the money can be deposited into your account in as little as five minutes after you are approved.

Don’t Drop a Bomb on Your Credit Score

You may be wondering how a payday loan can keep your credit looking good. To be honest, some of it falls upon you. You will need to be responsible and plan out your finances in order to be certain that the loan will be paid back on time. However, the loan will give you the funds you need to pay other bills on time to prevent long term damage on your credit score. An instant payday loan can greatly help to prevent blemishes on your credit. Paying the interest on a short term loan will do much less damage to you than a credit score ruined by a late or unpaid bill.

Quick Instant Payday Loan Application

Our goal is to make your life easier by providing a simple online application for an instant payday loan so you can get back on track financially. Very rarely is it necessary to run someone’s credit score. Nor do we require extensive personal information when you apply online today. Our online application asks only the bare minimum and takes only a few minutes to complete. Our payday loans are deposited into our clients’ checking or savings account within minutes after being approved.

Keep Your Dignity with an Online Instant Payday Loan

No longer do you need to show your face in a loan shop. You can be approved for an instant payday loan in the privacy of your own home. Simply click “Apply Now” so we can help you to the funds necessary to lighten the load of your financial burden.

Start your instant payday loan application HERE!

A quick payday installment loan is more than just another option. It can act as a close partner during your most trying times. If used wisely, an instant cash loan can provide you the fullest benefits without being a heavy burden. In times of trouble, it is always hard to borrow from people that we know; no matter if they are our sibling, parent, or friend, since many people would rather not strain their relationships. In that case, a short term installment loan is an essential tool.

How a short term installment loan works

You needn’t be apprehensive about a payday loan if you use it responsibly. An easy installment loan is provided by a payday loan lender to help people get back on their feet again, at their greatest convenience. The lender does not enforce the full repayment of the loan right away, so setting aside a small amount of payment lets you flexibly manage your money resources once more.

Life can be very hard. But with my payday installment loan…

I have always thought of myself as extremely hardworking. I work around the clock just like everybody else. Even so, sometimes it is not enough because I do fail to meet some of my goals from time to time. I have recently found out how hard it is for an ordinary person like me to get out a huge financial mess without going for a guaranteed loan. The best option for me was to go for a short term installment loan. In more ways than I can list, taking out this instant money has helped me survive.

So the next time you end up in a bind like me, look no further than this article to grab your own opportunity to apply for a payday installment loan.

For a short term installment loan, apply here

Payday loans are hardly discriminatory. In fact, nearly anyone can reap the benefits from one as long as they have income that arrives with regularity. The amount that can be loaned depends on the salary of each individual, but money lenders can offer anywhere from $100 to $15,000 per payday loan. Some people consider the usual interest for a payday loan to be a bit stiff, but they pale in comparison to the penalty charges, like from a credit company, for someone who sits and does nothing.

Similar alternatives to a quick payday loan

Similar money loan alternatives to quick payday loans can be provided by credit unions, banks, government agencies and private companies. You must meet their requirements, however, and this involves jumping through hoops that may involve mounds of paperwork and more. Pawnbrokers are another alternative, but since they pay significantly less for the actual value of an item, they have been accused of ripping off their customers. Borrowing from friends or relatives is an option, too, but not everyone is so fortunate. Furthermore, the stress involved could strain important relationships.

A quick payday loan is the best option for many borrowers

Nevertheless, if you’re buried with debt, finding the right fast cash money lender right away may be your best and only option. A quick payday loan then seems like a financial lifesaver. Personal Money Market will help you find the perfect one!

Apply HERE for quick payday loans

“With all the payday loan lenders out there, I didn’t know where to start…”

Eventually, though, the bills became too difficult for me to handle and I needed something to keep myself afloat until my next paycheck arrived. So I finally decided that it would not hurt to research a money lender and take out a quick payday loan – just this one time. And that one time was enough to not only keep me on track, but to get ahead of the game!

The types of loans vary with each payday loan lender

The types of payday loans vary widely, but the fastest fast cash comes through online payday loan lenders that provide no faxing and no credit checks. The Internet makes loan research easier for the average borrower, so with a simple online search, you can fill out a simple application form and receive your money in a few more clicks. Of course, you can also go for the more traditional method of getting a payday loan through retail lending, which works the same way but requires more walking.

Getting an instant payday loan seems easier than ever nowadays. Through proper Internet research, a borrower’s chance of determining the right type of payday loan for them is getting better.

Know which payday loan lender is right for you

There is no perfect payday loan, just as there is no perfect payday loan lender. To many borrowers, the right payday loan lender offers you instant cash without too much paperwork. The right loan is available even for those with bad credit. Lenders that require no credit checks and no faxing are good for those with a history of bad credit, such as late payments, and only require that the borrower maintain a regular job.

The money lenders that conduct credit checks, ask for collateral security, and ask for tons of documents should be considered, too, but many borrowers consider them to be a waste of time. Also, the stress of being denied for a payday loan that can save you from further ruin may be too much for some people to handle.

If you want to take out a payday loan, you can go after those lenders that offer faxless and online options for your fast cash needs. From there, decide which lender works best for you based on your other important needs. With all the options available now, finding a payday loan lender without much hassle has become a whole lot easier.

Start you quick payday loan application HERE!

A payday loan may be your only solution

All over the world, normal people have been affected by America’s recession and many end up with their own share of personal money troubles. Some worry about such things as loan interest and look at borrowing as a difficult task. However, as long as those people have jobs, lending agencies can offer instant payday loans to help them quickly overcome some of their financial difficulties.

Benefit from Cash Payday Loans

Paying on time, instead of paying increasing late fees, makes it easier for a debtor to pay off a short term loan. Another benefit you will get from taking out a fast cash payday loan is entering into an easy and hassle-free application process. Applying can be online, it does not require collateral, and there are no credit checks that can discredit your application.

Moreover, the shorter the term you set for your loan, the less interest you will pay, overall. As for late fees, you no longer have to deal with overdraft fees, which may appear like somebody at the bank is robbing you of your hard-earned cash.

A Payday Loan is for everyone

As more people experience the impact of troubled economic times, more strapped borrowers take advantage of quick cash payday loans, and many expect their numbers to increase significantly. Besides, where else can you get $100 or $1, 500 cash today without credit check?

If you want out of a bind today or if you just want to take advantage of special deals, consider going after an instant online cash payday loan for all your needs.

How a Quick and Easy Payday Loan Has Helped Me

I have always thought that life has done everything possible to make things hard for me, until I reached a financial deadlock. I may have maintained a job after the recession, but taking out an easy online cash advance has spared me from struggling excessively hard to make both ends meet from the start.

I had unknowingly stepped onto a money tightrope, so even after I had taken out the loan, I was still reaching for useless ways to get myself off of it. Sometimes, there is no better choice than to take a payday loan and this quick and easy opportunity can, without a doubt, help anybody survive.

Start your quick payday loan application HERE!

Looking for quick and easy payday loans for your personal needs? They’ve said time and tide wait for none, and you are sure the offer that is currently running on the car that you’ve set your eyes on will definitely not last till you collect your finances and go on to buy it. Does that mean you will just let things pass by and sit brooding over your bad times? That’s not an intelligent solution at all. Instead, look for an instant loan that will ease you off your financial pressures for the moment, and you can then repay it when you are a little free on your budgets.

Short term loans at your rescue

So what and how do these fax less loans work and how do they help you attain your needs? A no fax unsecured loan will be provided by one of the lenders who are into this business of providing short term loans. You would not be required to submit extensive documentation for getting these payday loans. The loan would be issued against your future paycheck, the only security that is needed for these short term loans.

Prerequisites for fast and easy cash loans online

As for the rules of the game – as far as these short term loans are concerned – there are certain mandatory requirements that you need to match up to if you want to get these cash advances. These include the primary requirement of you being over eighteen years of age. Lending money to minors is considered a crime and no money lender would want to get into this complication. The lender will also be bothered about the security of the transaction, that is, how sure he can be that his loan will be returned to him is by looking at your bank statements. So this process will require you have regular transactions and, more importantly, you must be able to show that you have a regular job that helps you make money on a regular basis. If you are running a business and have a bank account, you may still need to show that you are able to make money from your business at regular intervals, and should be able to show returns that get credited into your account.

Secure transactions on your cash lending

There are a lot of money lenders in the market today who are ready to help you with the required cash advance to help you tide away your bad times. This is, of course, a prestige issue, and you don’t want your friends, family or business acquaintances to know that you have gone in for a quick payday loan. That is your right, and your lender understands your intricate situation. That is why they abide by a clause of secrecy and promise to keep your dealings confidential. What details you show the lender remains with them for the process of their verification, and nothing more. This gives you a reason to smile while you are taking a quick payday loan like this.

Conclusion:

In the era of web 2.0, every business that has come on line to get faxless payday loans is no more a dream. All you need to do is log on to some website and – tada! – your loan is transferred to the bank.

Apply Today for Payday Loans HERE!

Bye bye BlackBerry?

Stores opened at midnight. People lined up in the streets, awaiting Verizon Droid sales. When did people become cell phone geeks? I think it started with the iPhone, which was the first mobile communication device in recorded history to cause people to behave this way.

Now, midnight Droid sales and crowded Verizon stores look like Wal-Mart on the night of a video game console release. At least, that’s what it looked like last night at Verizon stores in Manhattan, where 65 people lined up outside one store and more than 100 at another.

Mobs and marketing

The release of a new “Star Wars” movie, tickets for concerts that are bound to sell out, the latest Xbox model: these are things that cause people to line up in the middle of the night in November. It wasn’t until the iPhone, it seems, that people were willing to go to such lengths as getting a quick payday loan and waiting out in the cold for a cell phone.

Yes, I know the iPhone and the Droid and all smartphones are more than cell phones. Still, it’s amazing to me that the marketing people for these devices can create so much hype that people are intent on being “one of the first” to own it and being able to say they got it the day they came out.

Droid does

Preliminary reports indicate Droid is meeting its goal of being the iPhone’s biggest competitor. CNET reports:

Many people have been comparing the new Droid to the iPhone, and some have even called the new device the true iPhone killer.

Several people interviewed Thursday night outside Verizon stores said they had wanted an iPhone but didn’t want to switch to AT&T, and now they’re glad they waited. Loyal Verizon users are the most excited about the Droid, which means Droid sales are having a somewhat unforeseen effect on another Verizon product.

Droid the Blackberry killer?

A common category of Droid buyer appears to the the ex-BlackBerry user. Based on interviews with people outside the Droid sales, CNET reported:

Gabrielle Dahms and her boyfriend, Will Welch, had been BlackBerry Curve users. Welch said he had tried the BlackBerry Storm last year when it first came out, but he didn’t like it. He also thought the iPhone was cool, but was unwilling to switch carriers for it. And he said he would have probably upgraded to the BlackBerry Tour if the Droid hadn’t come along

.

People have a tendency to remain loyal to their wireless carriers, and some iPhone users are simply loyal to Apple products. So in many cases, Verizon Droid sales will likely draw people who already use Verizon and are looking for an upgrade.

No one likes the thought of borrowing money. But most of us have had to do it at one time or another. Especially today, with the cost of living soaring and incomes dropping, sometimes you have to get a personal loan just to make ends meet. If you get a personal loan today, and know that you’ll still be able to get by on your next paycheck after paying the loan back, a quick payday loan can solve a lot of problems.

Sometimes it makes good sense to get a personal loan

Needing money means different things to different people. You might be struggling to get by until payday after an uninsured medical emergency. You might be completely out of cash until payday when your car breaks down. You might be piecing your finances back together after overextending them on a recent vacation. You might even own a good house, have a good job, drive a nice car, be current on all your bills, and still find yourself short of cash until payday. Whatever your standard, and whatever your reason, when it makes sense for you to get a personal loan, Personal Money Market is the best place to find one.

Sometimes you can cut your losses when you get a personal loan

When you’re short of cash until payday and are running the risk of late fees or bounced check charges, it can make sense to get a personal loan. Late fees on the rent or mortgage can be significant, and it can cost hundreds of dollars to reconnect the electric service. Credit card companies today are more determined than ever before to collect late fees. Being just one day late on a charge account can really set you back when you’re already scraping to make ends meet.

No one loves to borrow money. On the other hand, there are bigger fees to pay than the price of a quick payday loan.

Anyone who’s ever had to get a personal loan knows what it’s like

Even with the economy in shambles, there are plenty of people who’ve never had to get a personal loan. But there are plenty more of us who struggle to make it from paycheck to paycheck. We know what it’s like to need money so badly that you’re willing to get a personal loan just to get by for a few more days until payday.

Get a personal loan for peace of mind

When you know that you can pay the loan back on payday without having to borrow again, and it feels like a little money in your pocket will change your whole life, paying a few dollars to get a personal loan is worth every penny. You may save money and you may put food on the table; you may make the landlord go away and you may get your car out of hock; but sometimes the peace of mind alone is reason enough to get a personal loan.

Applying for a personal loan is easy:

Harriet Tubman was a conductor on the Underground Railroad. Did I mention I was trapped there once, and that a quick payday loan busted me out? (Photo: wikipedia.org)

Not long ago, I needed a quick payday loan to help me out of a jam. Thankfully, my cell phone gets reception underground. Otherwise, I’d still be aging with the wine thanks to the cobwebs in my wallet.

There’s a story to this, so bear with me as we go underground

My mother-in-law lives in a granny flat on our property, and there’s a below-ground tunnel that connects our living rooms. Why was there a tunnel, you may be wondering? Apparently, the family who owned the property 150 years ago was comprised of conductors on the Underground Railroad. Anyway, we’d been using the historic crawlspace as a wine cellar, and I went down to fetch a vintage bottle of Merlot. As I reached to unlatch the door and return to my dinner at home, the vintage lock wouldn’t turn. But I didn’t panic; I simply walked to the other end of the cellar and tried the door on my mother-in-law’s end. It didn’t work, either – I was stuck in the Underground Railroad and embarrassed as all get out. My brother-in-law worked for the local fire department, so I surely didn’t want him to catch wind of my predicament.

A Slave to My Own Cellar

Yet I didn’t panic. I knew I’d need a private locksmith, but I was short of cash and payday was far away. Unlike conductors on the Underground Railroad in the Antebellum South, I had a cell phone. I used my 3G connection to look up PersonalMoneyStore.com. It was a very easy Web site to us. Furthermore, I was approved fast and the funds were deposited that same day. That was early enough for me to call a locksmith who could set me free.

An Employee Was Worried

I couldn’t believe it, but since I’d mentioned in the comments section of Personal Money Market what kind of a situation I was in, an employee called me. Ostensibly it was to verify information in order to determine my loan worthiness, but I think she just wanted to talk to somebody who’s locked themselves in a wine cellar. She couldn’t believe what had happened to me.

[apply_button float="right"]

In fact, once I told her about the historic nature of my home and that the locks hadn’t been replaced since the Civil War, she probably wrote me off as an eccentric old coot. That’s what I imagine, but I have no complaints about how she handled my transaction. She was professional and helped me stay cool as a julep. I thanked for her help, and once the money was available, I called the locksmith.

I toast you with a glass of Pinot wherever you are, Personal Money Market lady. A quick payday loan truly did set me free.

If a Quick Payday Loan could set you free, APPLY NOW!

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We’re in the middle of a credit crunch, and getting an installment loan – whether it’s an auto loan, a home loan, or a personal loan – requires better credit than ever before. Creditors have their guards up and lending standards are becoming increasingly strict.

The most common credit-scoring model used by lenders is the FICO score. The FICO model (originally Fair Isaac) was established in 1956 by an engineer named Bill Fair and a mathematician named Earl Isaac. A FICO score can range from a very risky 200 to a perfect 900.

In a recent CNNMoney.com report, John Ulzheimer, president of consumer education at Credit.com, stated that FICO requirements are on the rise: “You need a 750 or better today to have the same treatment you got with a 700 two years ago,” he says. John D’Onofrio, CEO of Autoloandaily.com, concurred: “Two years ago a 680 was enough to get a great car loan rate. Today it’s often the minimum to qualify at all.”

How to maximize your FICO score

If you’re thinking of borrowing money (other than hard money loans like small payday loans or emergency cash loans that don’t require credit checks) you need to do everything you can to boost your FICO score before you apply. Here are some things you can do to maximize your credit score:

Find your score

You can get free estimates of your credit score at any number of websites (like Creditkarma.com). But if you’re serious about getting an installment loan on the best available terms, you need to see what your lender will see. Lenders will be looking at your actual FICO score, based on credit reports from three credit bureaus: Experian, Equifax, and TransUnion. To get a better sense of what lenders will actually see, for a small fee you can get one representative FICO score at myfico.com.

Look for mistakes

According to a Zogby International poll, one-third of people who pull their credit reports find errors, so check yours closely. When you get your FICO score at myfico.com, you’ll get a copy of the report it was based on. You’re entitled to one free report from each of the three credit bureaus every 12 months. So once you have your score and the report it was based on, you can get the other two reports for free at annualcreditreport.com

If you find errors, request corrections, following the instructions on each credit bureau’s website. Inaccurate delinquent marks are common. Fixing just one of those can improve your FICO score dramatically.

Never be late on payments

Your payment history is the most important part of your credit score. Lenders can’t report late payments to the bureaus until they’re 30 days past due. But keep track of your payment due dates and take precautions not to be late at all.

If you know you can’t pay a bill on time, think about getting a quick payday loan to pay the bill. If you will be able to get by on your next paycheck after paying the loan back, a cash advance can save your credit score, but don’t let payday loans become a habit. If you make a late payment, getting right back on track will eventually improve your score, but if you fall more than 30 days behind, the damage to your FICO score can haunt you for years.

Don’t use more than 20% of your total available credit

Another important factor in calculating your score is how much you owe compared to how much credit is available to you. According to Ulzheimer, 10% is ideal, but a ratio as high as 20% is acceptable. Unfortunately, banks are scurrying right now to raise interest rates before new regulations go into effect (read Credit Card Company Comeuppance), and they’re also rushing to lower credit limits and cancel unused accounts, all of which make it more difficult to maintain an ideal ratio.

Be aware of the limits on your credit accounts, watch closely for changes on your monthly statements, and don’t use more than 20% of your available credit on any card or in total. If you’re thinking about getting a home or auto loan, try to reduce your account balances even farther before you apply.  If you’re working to pay down your debts before applying for new credit, remember that it may take a couple of months before reduced balances will appear on your credit report.

Preserve old accounts

A long credit history without late payments is the most important part of your FICO score. Closing old accounts not only increases your credit utilization ratio, it shortens your credit history.  So don’t cancel your oldest cards. You can avoid having lenders close old accounts by transferring recurring charges to them from the accounts you use more regularly.

Don’t try to out-smart the credit bureaus

Other, less important factors are involved in calculating your FICO score, but they are more difficult to manipulate. For example, part of your score is based on your mix of credit types, such as mortgages, car loans, and credit cards. But don’t buy a car or apply for new credit cards just to boost your score. The effects of new credit on a FICO score are complicated, and it is much easier to improve your score by carefully tending a few long-standing credit accounts and making your payments on time.

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