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3,000 Cash Loan

It is possible to get a $3,000 cash loan or cash advance fairly quickly. Most people will have to go online to get a $3,000 cash loan because this amount exceeds what most storefront lenders offer.

There are other reasons to go online to get a $3,000 cash loan. Online lenders called hard money lenders will usually give a person or business a much better deal on a cash loan than local lenders. Online lenders usually charge a lower interest rate and offer better terms on their loan.

The online lenders can wire the money straight to your bank account within 24 hours of approving the loan. This means a person can get the cash they need very quickly by going online.

Many of the online lenders will work with people who have bad credit. They will do this because they can charge higher interest and impose stricter terms on their loans.

How to Find a $3,000 Cash Loan

Finding a lender that is willing to advance you a $3,000 cash loan is easy if you go online. All you have to do to find such lenders is type the terms cash loan, cash advance or hard money lenders into a search engine. This should pull up a list of dozens of such lenders who are all eager for your business.

Once you have your list of lenders you should look over as many loan offers as possible. You should do this because a little shopping around for a $3,000 cash loan can save you quite a bit of money.

What to Look for In a Cash Loan

You should be looking for the cash loan with the lowest interest rates possible. The interest rates determine you must pay back. When shopping for a loan always this rule: the lower the interest rates the better.

You should also try to get a cash loan that isn’t due quickly. Many cash loans are due within a week or two weeks or a month. This means that you will be charged a fee to get a new loan if you can’t repay the cash loan. A long term cash loan can save you a fortune in fees later on.

If possible you should try and get a line of credit or revolving loan because there are some advantages to such an arrangement. A line of credit stays available after you pay it off so you won’t be charged for opening a new loan every few weeks or months. You also determine how much money you use which can reduce interest and loan repayment expenses.

Qualifying for a $3,000 Cash Loan

A big advantage to getting a cash or hard money loan is that cash or hard money lenders often ignore credit scores. This means that persons and businesses with bad credit can get $3,000 cash loans.

Instead of your credit score the hard money lender is interested in your income or potential income. Almost all hard money lenders will want to see proof of income such as a bank statement, pay stubs, proof of employment or receipts from a business. Having these documents ready can save time and money and help you qualify for a cash loan.

Online lenders may want these documents faxed or e-mailed to them. A way to save money and speed the process is to scan these documents and save them on your computer as PDF files. These files can easily be e-mailed to the lender.