Personal Loan
Factors That Have The Biggest Impact On Your Credit Score
Your credit score is important, most people know that, but what many people don’t know is which components have the biggest impact on that score.
August 7, 2023
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No matter how you prepare yourself, there are things like injury, illness, vehicle breakdown, and more that simply cannot be predicted or easily braced for. For many people, some sort of savings account may be able to help avoid significant financial turbulence, but many other people simply don’t have that luxury. There are countless people that have nowhere else to turn to, in times of financial need, and Cash Link USA wants to make sure that people know they have options even in the toughest times.
Cash Link USA prides itself on serving Houston residents in their toughest financial times. We offer several different loan options to fit your needs and repayment abilities. While Houston residents have made our cash loans the most popular option, we also offer personal lines of credit and installment loans. We’re going to take a close look at all three of these so that you have all the information you need to determine if one or more products fit your needs.
The Houston area is a vibrant and diverse cultural center, and while there is nowhere else in the world like it, those who live here do so at a price. That price happens to be a significantly higher average cost of living than most other cities in Texas, and that means that many individuals and families living in the city are only one paycheck away from potential financial ruin. There are options, however, and they start with Cash Link USA’s cash loan option.
A cash loan is a very short-term loan that is made, for up to $500, with the repayment term being the next payday of the customer. These small loans are frequently all that are needed to help most people through a time of financial uncertainty and back into their regular routine. The low limit means you won’t overextend yourself, and the short term means the loan is paid off and out of your hair quickly.
The application process is super simple and only requires that you have proof of income, a bank account, and valid state identification. You can also complete the application process in several different ways, from a phone call with one of our representatives to a visit to one of our local branches, or even entirely online.
A popular option for continual, flexible funding is opening a personal line of credit. Similarly to the cash loan, the funds from a personal line of credit are available immediately upon approval, although the funds are not in cash like the cash loan. While this may not be ideal for some, it’s perfect for others, particularly those who may need electronic access to their funds, such as while paying tuition or other school expenses.
A personal line of credit functions in a very similar way to a credit card. Both are revolving credit accounts that have limits on the amount of credit extended to you. When the available credit is used, it must be paid down before being used again. The monthly payments for a personal line of credit will depend on the existing balance, as well as any new charges that have been made, along with any fees or interest accrued.
If you need access to a lump sum of money, installment loans and cash loans are the way to go. The main difference between the two is that cash loans are for smaller amounts while installment loans are used for large purchases, such as a vehicle, home, or tuition. If you need to pay off your electric bill or have your car repaired, an installment loan would not be the best choice for you. For those looking to buy a car or home, an installment loan would be a valid option.
Because of the larger amount you’d receive, installment loans are secured with collateral, such as your home or vehicle. If you don’t hold up your end of the agreement by maintaining your payments, your home or car could be taken by the institution that provided your loan.
Life has a way of throwing curveballs that hit us at the worst possible time. If you’ve found yourself in a bad spot financially and just need a few hundred dollars to get things straightened out, a cash loan could be the best solution for your current situation.
At Cash Link USA, you can give us a call if you have questions about the services we provide. If you’re ready to get the ball rolling on the approval process, you can apply online or in person. They say money can’t buy happiness, but when your biggest problems could be solved with cash, we have your back. Contact Cash Link USA today.
Traditional Payday Loans Can be Risky & Complicated
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Testimonials & Reviews from Cash Link USA Clients
Quick process. Got the money I needed thank you again
Very fast process well knowledgeable reps. Great customer service. Reps explain the payments to where anyone can understand them. Great company to work with when your in need.
Cash Link USA is and honest and reputable lender. They are open and honest with the payments and details. Excellent customer service!
If you’re in need, Cash Link USA is a great company to help you out in those tough situations. Great customer service.
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