Cash – See Concept Sat, 16 Oct 2021 22:13:22 +0000 en-US hourly 1 Cash – See Concept 32 32 Spend now and give later Fri, 15 Oct 2021 15:50:43 +0000

What do Americans do when they need money to solve financial problems or just for big unforeseen purchases? They apply for installment loans and use them for all purposes. Unlike targeted loans, for example, for home improvement, buying a car, in this case the bank does not require you to state what you need the money for. It will not ask for an expense report either.

But in order to get such a loan, you need to collect a number of documents. This is a prerequisite – this is how the lender assesses the reliability of the borrower. The bank itself determines what documents are needed, but there is a basic package. Let’s divide it into blocks: identification confirmation; proof of employment; confirmation of income – main and additional.

If you already have a loan or collateral, the bank may also request documents on your current obligations. The set of documents depends on the purpose of the loan and may differ from one bank to another. Americans who want to avoid the hassle of paperwork choose installment loans from direct lenders. Quick loan services provide instant cash online, even for those who cannot boast of having a great credit history.

What should you have to apply for an installment loan online?

To apply for a loan, you will need a passport of a US citizen with a registration mark. It is desirable that the recording be permanent. Not all lenders provide quick loans online to people with temporary registration. Lack of registration can also affect the terms of your loan – the bank will ask you to repay the debt before the temporary registration expires.

Most Americans say that if you are officially employed, you will need a copy of your employment record, certified by your employer. All pages must be copied and certified, even empty pages. With this, show a copy of the employment contract. You can also bring an extract from the workbook, but also certified by the employer. Individual entrepreneurs provide a copy of the registration certificate. Lawyers responsible for processing a loan bring a copy and the original of the attorney’s certificate, notaries – a copy and the original of the order on the appointment of a notary. If you are not officially employed, you can apply for instant loan online without credit check and enjoy the opportunity to get money fast.

To get a loan, the borrower can pledge real estate or a car. Supporting documents, on average, are prepared within 3 to 5 days, so they need to be taken care of in advance. You will need a registration certificate and / or a document with an indication of the owner. An evaluation report will also be required. This document is necessary to get an idea of ​​the property’s value and liquidity. A registration certificate is required for the car; in addition, a bank employee can apply for a vehicle registration certificate.

The documents listed above are the main when applying for instant same day loans with bad credit. But there are also additional documents that affect the lender’s decision. If you present them, then you can count on a larger amount or a reduced price. Some lending agencies may request the following documents, but they are seldom required for loan approval.

International passport. Bring the original and a copy of your passport if you have traveled abroad in the past year. This is an indirect confirmation of your creditworthiness.

Driver’s license and certificate of ownership of the car: in the event of money problems, the car can be sold and the debt covered.

Bank account / deposit statement. It won’t be superfluous to confirm how much you have in stock – that money can also be used to pay off the loan.

An extended package of documents is not always required. Some banks grant loans on 2-3 documents. An all-purpose loan of up to $ 5,000 can be obtained under two documents: a passport and proof of income from the main workplace. At the same time, clients who receive a salary under a wage agreement only need to provide a passport.

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Scam Alert: “Prove to me that you are a human, not a robot” Thu, 14 Oct 2021 21:15:31 +0000

JNew York City journalist Kelly Rissman had been advertising some furniture online with a simple snack when “Jaree” texted through the OfferUp resale app asking if it was still available.

Jaree asked for Rissman’s phone number, then texted that she would send a code that Rissman could text back to verify that she was a real person.

Eager to get out of underpayments for storing furniture she no longer needed, Rissman agreed. A six-digit code from Google arrived quickly, with something written in Filipino. If she had translated it, Rissman would have discovered that it said, “—— is your Google Voice verification code. Don’t share it with anyone else.”

Rissman sent the numbers back via text message.

How the scam works

Jaree had no interest in furniture. His goal was to get Rissman to disclose his phone number and then a Google Voice verification code.

Here’s how a Google Voice verification code scam typically works:

  • A criminal downloads the Google Voice app and links it to a Gmail account.
  • Then they find a potential victim, for example in a sellers marketplace. They say they’ve been burned in the past by bots and ask the seller to accept and text back a code to prove they’re a real person.
  • When the victim sends the code back via SMS, the scammer can associate the Google Voice number with the victim’s authenticated phone.
  • The scammer uses Google Voice number in fraudulent advertisements on marketplace websites or other criminal activity.

In other words, the scammer is a fake buyer first, and then once they trick victims into authenticating Google Voice accounts, the scammer becomes a fake seller – potentially trapping a second generation of victims who pay for goods they never receive.

Rissman grew suspicious and ended the call when Jaree said there had been a problem and asked if Rissman had another number to try.

Although she writes about scams, Rissman says she was fooled because it lacked the typical features – she wasn’t asked for personal details or account numbers, and she didn’t provide any. means steal his identity or his money.

Why Google Voice?

Google Voice allows users to merge multiple phone numbers into one. There are many legitimate uses for a Google Voice number. People can give it to their business and personal contacts instead of having to juggle multiple phone numbers. Individuals can keep their cell phone numbers private, and businesses can find an available number with the last four digits they want.

But crooks want a constant supply of new Google Voice numbers to use in criminal activity. Victim complaints and inquiries will initially list the authenticated phone number of the original victim. It takes further investigation to find the Gmail account created by the criminal.

Once Rissman figured out the scam, she unlinked her phone number. Google offers a help page which guides users through claiming the number used with another account.

The scam is not new, but it’s hot

The Google Voice authentication scam isn’t new, says Eva Velasquez, CEO of Identity Theft Resource Center. But that represented nearly half (49%) of calls received by the center in August, more than nine times the volume received in July. At the start of October, the pace did not slow down and there have been over 2,000 calls to the ITRC on this issue since mid-summer.

Business sites like eBay, Facebook Marketplace, and Craigslist aren’t the only ones where criminals look for verification codes. This has been done on dating sites and even in response to reviews of lost animals. The common thread: someone wants you to prove you are a real person by receiving and returning a code.

The volume of complaints indicates that criminals have a new cache of Google Voice numbers and it is likely that some will be used in online ads in the coming weeks. Additional caution is warranted.

How to stay safe

If you’re a seller, check if the platform you’re on has a feature to verify its users, advises Amy Nofziger, director of victim support for the AARP Fraud Watch Network. If a potential customer asks to verify your identity, insist that they use this feature. If the seller insists on switching from the sales platform to texting or calling, that’s a danger sign.

Do not accept and return a code by SMS. “It’s written on, don’t share this code with anyone,” says Velasquez. “We really want to hit this house for people. These are codes you get to verify yourself. This is a second layer of authentication, and they’re just for you. … And if someone asks you to share it with them, that should be a big red flag.

Buyers should also proceed with caution, says Velasquez. A plug can use a stolen Google Voice number.

  • Check as much information as possible about the seller. If the sales platform has a verification function, use it.
  • Don’t deal with someone who wants gift card payment – this is a sure sign of a scam.
  • Use a credit card if possible; they have protections that peer-to-peer payments and debit cards don’t.
  • Go to a safe place to exchange payments and goods.

People who lose money to scammers using Google Voice numbers are unlikely to know their theft was triggered when someone was tricked into revealing a verification code. “I really think there are more victims (of the scam) than we even know they are victims,” ​​Rissman said.

More from NerdWallet

Bev O’Shea writes for NerdWallet. Email: Twitter: @BeverlyOShea.

The Scam Alert article “Prove to me that you are a human, not a bot” originally appeared on NerdWallet.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Best Loans Without Credit Checks in 2021 • Benzinga Wed, 13 Oct 2021 20:59:31 +0000

You might need a quick loan for an unexpected expense, however, your credit score may not be at its best and you are nervous about being able to get a loan. So, you might think that you can’t apply for a loan anywhere, but you can’t, it is possible to get and apply for a loan without a credit check. Types of loans like these lower the requirements that can be attached to other traditional loans.

What is a loan without a credit check?

When taking out a normal loan, the lending institution tends to check the applicant’s credit report to see how they have managed to repay their debts in the past. Now the difference for loans without credit check is that the lender offers the loan without checking whether you will be able to repay the loan. Loans without a credit check can be obtained from banks and online lenders, the process of applying for these loans tends to be fairly straightforward, with prompt delivery of funds as well.

The loan amount can range from small amounts like $ 100 or up to several thousand dollars and they are usually repaid in equal and fixed installments over a set amount of months or years. In some cases, a supplement such as credit insurance is added to the loan, which can increase the monthly payment. And finally, some lenders require direct account information to your bank account so that payments can be automatically withdrawn.

Why do you need a loan without a credit check?

You may be wondering why you might need to take out such a loan? Well, the answer to that question is that life has a way of throwing unexpected events in your path that you couldn’t have financially planned for. Suppose your pet is injured or needs veterinary care, the cost of the various services of a veterinarian can be high, and your pet’s life often depends on the speed of its care.

In this case, you may need to apply for a loan without a credit check to cover the cost of the bill. Or, let’s say your vehicle has a flat tire or two, getting new tires fitted and fitted is the obvious course of action, but you weren’t planning on putting two new tires on your vehicle and you need your vehicle to go to work every day. This is yet another case where getting a loan quickly is an even faster time to receive the funds, as a lot of things depend on your ability to go to work and earn an income.

Types of loans without credit check

Here is a list of the different no credit loans you can get:

  1. Payday loans: These loans are relatively small amount loans that are normally lent at a high interest rate on the basis of an agreement between the lender and the borrower that the loan will be repaid in full when the borrower will receive their next paycheck. One thing to note is that many of these loans are predatory in their terms, so be sure to do proper research when taking out such a loan, as well as making sure that you will have enough money next time. paycheck to repay the loan.
  1. Cash Advances: A cash advance involves taking out a short-term cash loan from a bank or ATM using your credit card as the source of funding. Now, unlike a normal cash withdrawal from your bank account, a cash advance is something that must be paid back to the lender or in this case the credit card company from which the cash advance was taken. . It’s more or less about using your credit card to buy money rather than buying goods and services.
  2. Credit building loans: A credit building loan is when a person takes out a loan from a financial institution such as a local credit union or community bank and the loaned money is deposited into their account. The borrower then makes monthly payments on the principal and the interest rate, these payments are then reported to the credit bureaus between 6 and 24 months. Once the loan is paid off, you get the month on the account. The best way to think about these are instruments to help build credit and create small savings.
  3. Little or no document loan: such loans (home or auto loans normally) allow the potential borrower to apply for the loan while providing very little information about their employment, income or assets.