Everyone loves the feeling of having money they can spend on whatever they need. When you have that cash in your wallet, the stress of the day seems just a little bit lighter.
That's what makes quick and easy personal loans from Atlas Credit so appealing. We can get you the fast cash you need to help with whatever situation you're dealing with.
So, today we're going to talk about the times when a personal loan is the most convenient for meeting your needs!
When Should I Get a Personal Loan?
The best time to apply for a loan depends on your circumstances. There is no one perfect season to apply. We do not approve more loans in the spring than the summer. Instead, you want to take a look at your personal finances to determine when you should apply for a loan.
Many financial institutions and credit card companies look at your credit score to determine whether they will lend to you. At Atlas Credit, your credit score is not the determining factor. We make lots of loans to people with bad credit. We look at other factors to decide whether you are a promising risk for a loan. Consider these things before you apply:
- Do you have a steady job? Lenders want to know you have the means to repay your loan. If you have a job that provides a regular salary, then you may be a promising candidate. If you have a seasonal job or are on unemployment, you may want to wait until you find steady employment before filling out a personal loan application.
- Are you a legal adult? We only lend to legal adults. If you are too young, you cannot apply for a loan, even if you have a history of paying off your credit card debts.
- Will you take the loan with the intention of paying it back? We understand that everyone goes through difficult times, and we want to give you the benefit of the doubt when you have poor credit. If you plan to repay the loan, we want to work with you. But make sure you have the means and the intentions to repay what you borrow.
If you can answer yes to all of these questions, now may be the best time to apply for a loan. You can use it to cover a range of needs.
Accidents can come at the most inconvenient times, and there's a good chance your bank account won't be ready to pay for repairs. Similarly, if you drive an older model car, it's hard to predict when it might need a replacement part.
A personal loan would allow you to pay for whatever auto repair you need immediately, without draining your paychecks from work that go to your regular bills.
You never know when your family's health might demand a visit to the doctor or a costly prescription. It's always important to follow your doctor's advice, even when the cost is a little more expensive than you prefer.
A personal loan is perfect for addressing medical needs that would otherwise stop you from paying your other bills. Not only could it save your wallet, it could save a life.
Paying a Costly Bill
Even with the most careful budgeting, anything could happen that leaves your bank account a little thinner than you expected. Then, when you open the mail, you find a bill that would leave your finances in chaos.
Don't let that happen. Rather than risk overdraft charges or having a service cut off, you could take out a personal loan to pay the bill, and take your time to pay it off.
Imagine if your air conditioning broke down in the middle of the Texas summer -- what a nightmare!
If you've ever had an appliance stop working or had a tree land on your roof, it's reasonable to call a professional. And if you've ever been in such a situation, you know it's rarely cheap!
Here's another time when a personal loan can be a huge relief. You never know what your finances will look like after any of these times in your life, so you can rest assured that Atlas Credit is always here to help you with a personal loan of up to $1,300.
Credit Card Bills
Personal loans come with lower interest rates than credit cards. If you have mounting credit card debt, wiping it out with a personal loan may make more sense. You can reduce the amount you pay on your debt, plus you have a chance to build your credit score with payments tailored to your budget when you take out a loan with Atlas Credit.
How Do You Get a Personal Loan?
Now that you know when to get a personal loan, the next step is determining how. Atlas Credit makes the process fast and easy. You can fill out our online application to receive a quick response. Often you will hear back in just a few hours, and you can get your money on the same day you apply.
You also may choose to visit one of our locations throughout Texas and Oklahoma. We have dozens of offices where our representatives are eager to aid you with any aspects of the application process or discuss repayment options. Remember, we tailor your repayment schedule to your budget. You can take from five to 12 months to pay us back for your loan, and you will see your credit score go up when you make on-time, consistent payments.
So, if you need money to help with an unexpected issue, contact Atlas Credit today!