Reviews for Who's the Daddy?
Guest chapter 5 . 2/27/2013
its scorpius baby they had a drunken one night stand and then he forgot and now he is having the dreams about that night and he will figure it out when its too late most likely ;o)
Diddleymaz chapter 5 . 2/27/2013
Very good story
Just Smudge chapter 4 . 2/24/2013
Exactly how long until you will tell us who? From here it's obvious that Rose cares enough for Scorpius to worry about his going off with Zabini. It's obvious that Albus owes Lily something, possibly from a sort of bet concerning Rose or Scorpius. I think it's most likely got something to do with Scorpius fancying Rose- Lily always was more observant. Lily's figured out the pregnancy- but how did Zabini?
Candied Ice chapter 4 . 2/24/2013
YAY!
Another's chapter! I love you so much right now! I also want to know who the father is!
Please update soon! :D
CandiedIce
P.S: There's TrollSpam in your reviews, thought I'd point that out even though you probably already know...
Rae Ella chapter 4 . 2/24/2013
I'm hoping Lily was telling al that Rose is in love with scorp?! ahh update quickly please! This is great so far
PotterheadClaw chapter 4 . 2/24/2013
please update! I need to know more! :(
Barrel of Laughs chapter 4 . 2/24/2013
How to Borrow Money With Bad Credit
Edited by Teresa, Katherine Villareal, BR, ValiantRed600 and 8 others
41
Article
Edit Discuss

If you've had financial problems in the past, it's still possible for you to borrow money. Even if you don't have the credit score to get traditional loans, you can still get unsecured, short-term loans. Here's how to get started.
EditSteps

Payday loans

1Find a payday loan provider. Search online or ask around to find a company that provides payday loans. Generally, you have two options:
Brick-and-mortar businesses: These payday loan providers operate out of branches, and might require you to provide proof of income, paycheck stubs, and other indications that you will be able to pay back the loan.
Online businesses: Approval for these payday loans is generally faster, and funds are deposited and withdrawn electronically. Be prepared with your online bank account information, such as your account and routing number.
2Know the risks. Payday loans are secured, which means they're tied to some other asset. In this case, the asset is your future paycheck. Because they have high default rates, most lenders put high interest rates on payday loans.
Understand that payday loans are fundamentally short-term. The loan is due when you get your next paycheck, and most people get paid every two weeks.
3Provide the lender with a post-dated check, or with your account number and routing number. The post-dated check (or the ability to withdraw funds from your account electronically) is the collateral for the loan. If you do not return to repay the loan on payday, or if you don't transfer the funds back to the lender electronically, the lender is entitled to deposit the check or withdraw funds online.
Car title loans

1Find a car title lender. A car title lender will lend you money based on the market value of your car, at a high interest rate and over a short term. The upside is that car title lenders do not generally run credit checks––the loan is based on the value of your car alone.
2Make sure you possess the actual title to your car. If you need to seek a replacement, contact your state's department of motor vehicles. (See Sources and Citations below for more help.)
3Be aware of the term of the loan. The term is simply the amount of time you have to pay back the loan, before the lender can sell your car to recoup costs. Make sure you mark this date somewhere.
4Check your state's regulations for car title loans. Some states, such as Illinois and California, have specific regulations in place for car title loans. Check your state's Department of Motor Vehicles website for more information.
Refund anticipation loans

1Contact a large tax preparation firm for a refund anticipation loan. Refund anticipation loans (RALs) use your anticipated tax return as collateral, with a high interest rate.
Go through a big company. Many small tax preparation firms used to do RALs. However, in 2011, the IRS stopped providing RAL providers with a prior indication of whether or not the taxpayer still owed federally-paid obligations such as child support, running the smaller firms out of business. Be extremely suspicious of a small firm offering RALs.
Be aware that refund anticipation loans began when it could take months for a tax return to process. With the advent of electronic filing, most people can have their tax returns deposited directly into their bank accounts in under two weeks. Consider seriously whether or not you need an RAL.
2Prepare your taxes at the same time. Most tax preparation firms offer a package deal, where they'll both prepare your taxes and help you with an RAL. Ask about special promotions.
3Be aware of fees. Tax preparation firms are allowed to charge you a set fee for doing your taxes, though they are not allowed to change this fee based on how large they expect your tax return to be. In addition, if you're getting an RAL, the firm is allowed to charge you a fee to set up a temporary bank account, in which your return will be deposited and then withdrawn by the firm.
Pawning

1Pawn an item at your local pawnshop. When you pawn an item, a pawnbroker agrees to pay you a certain amount of money for it. He or she will then hang on to the item for a pre-determined amount of time, during which you're allowed to buy the item back plus interest. If the term passes without you re-purchasing the item, the broker will sell it to recoup costs.
Try not to pawn anything you'd be heartbroken to lose. Once the term is up and the pawnbroker sells the item, that's it––there's no legal recourse for you to get it back.
2Understand that the pawnbroker will pay you below market rate for the item. The reason for this is that he or she will bear the risk of selling the item at market rate down the line, and the profit comes from taking the risk. Be prepared to take a 20-40 percent hit on market rate, if not more.
3Keep the item ticket. When you pawn something, the pawnbroker will give you a ticket or receipt, which you can use to purchase the item back later. Keep it in a secure location.
4Note the term. When the transaction is complete, make sure you write down the date on which you have to return and buy back the item if you want to keep it. Make sure the pawnbroker will hold it until the end of the day listed.
Cash advances

1Take out a cash advance with your credit card at a bank. If you have a credit card issued by a major corporation (such as Visa, Mastercard, Discover, or American Express), you should be able to take it into your local bank branch and ask for a cash advance. Basically, you'll be borrowing money against your credit card at a much higher interest rate than your usual transactions.
2Be aware of which purchases constitute a cash advance. Going into the bank isn't the only way to get a cash advance on your credit card. However, there are certain transactions that the credit card company will treat like a cash advance, and which will be subject to a higher interest rate. These include:
Money orders
Lottery tickets
Gambling chips
Certain government taxes and fees
3Try to pay back the cash advance by your next statement. If you fail to do so, the interest will carry over to subsequent payments.
Logbook loans (UK only)

1Be in possession of your car title, or "logbook". Logbook loans can be completed in as little as 15 minutes, and involve writing up a bill of sale for the vehicle as collateral for the loan.
2Provide proof of income. You must be able to show that you have a steady income in order to qualify for a logbook loan. Pay stubs or bank account statements showing direct deposits can help you accomplish this.
3Be aware that the lender can repossess your car without a court order. Logbook loans are risky and frowned upon because interest rates are high, and repossession will be immediate if you default on the loan.
EditTips

Because these loans are considered high-risk for the lender, interest rates will be high.
Always ask about fees, interest rates, repayment schedules and deadlines. Keep all of this information in once place, where you can access it easily.
Have your information ready before applying, such as identification, references and banking information.
EditWarnings

Most of these loans are meant to be short-term solutions. Try not to get caught in a cycle in which you're relying on these loans to pay your regular expenses––the high rates will wreak more havoc on your finances.
Not all of these suggestions are applicable in every country. Be sure to check local laws and regulations with respect to lending and borrowing.
EditRelated wikiHows

How to Get a Fast Loan Online
How to Get Fast Cash
How to Raise Cash Quickly
How to Manage an Online Payday Cash Advance
How to Get a Payday Loan Online
How to Get out from Under the Payday Loan Trap
EditSources and Citations

. – research source
Article Info

Featured Article
Categories: Featured Articles Credit and Debt
Recent edits by: Kalyx, JirachiQueen, Chris
In other languages
Español: Como solicitar un préstamo con mal crédito
Share this Article:
Discuss Print Email Edit Send fan mail to authors
Thanks to all authors for creating a page that has been read 20,595 times.
Was this article accurate?
Yes
No
Write An ArticleRandom Article
Related Articles

Get Out of Debt

Deal With Collection Agencies

Pay Off Credit Card Debt

Choose a Debt Management Program
Featured Articles

Have an Acnne Free Face

Relax With Yoga

Change Your Username on YouTube

Lead Like George Washington
Meet a Community Member

Meet Davjohn, a member of the wikiHow community for over 5 years who has started 22 articles, made over 5,500 edits and patrolled more than 14,000 edits. These days he enjoys using tools such as Quality Guardian and NFD Guardian. His proudest achievement is having been awarded a barnstar and his favorite article is How to Support Deployed US Troops.
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Explore Categories
Arts and Entertainment Cars and Other Vehicles Computers and Electronics Education and Communications Family Life Finance and Business Food and Entertaining Health Hobbies and Crafts Holidays and Traditions Home and Garden Other Personal Care and Style Pets and Animals Philosophy and Religion Relationships Sports and Fitness Travel wikiHow Work World Youth
Barrel of Laughs chapter 3 . 2/24/2013
How to Borrow Money With Bad Credit
Edited by Teresa, Katherine Villareal, BR, ValiantRed600 and 8 others
41
Article
Edit Discuss

If you've had financial problems in the past, it's still possible for you to borrow money. Even if you don't have the credit score to get traditional loans, you can still get unsecured, short-term loans. Here's how to get started.
EditSteps

Payday loans

1Find a payday loan provider. Search online or ask around to find a company that provides payday loans. Generally, you have two options:
Brick-and-mortar businesses: These payday loan providers operate out of branches, and might require you to provide proof of income, paycheck stubs, and other indications that you will be able to pay back the loan.
Online businesses: Approval for these payday loans is generally faster, and funds are deposited and withdrawn electronically. Be prepared with your online bank account information, such as your account and routing number.
2Know the risks. Payday loans are secured, which means they're tied to some other asset. In this case, the asset is your future paycheck. Because they have high default rates, most lenders put high interest rates on payday loans.
Understand that payday loans are fundamentally short-term. The loan is due when you get your next paycheck, and most people get paid every two weeks.
3Provide the lender with a post-dated check, or with your account number and routing number. The post-dated check (or the ability to withdraw funds from your account electronically) is the collateral for the loan. If you do not return to repay the loan on payday, or if you don't transfer the funds back to the lender electronically, the lender is entitled to deposit the check or withdraw funds online.
Car title loans

1Find a car title lender. A car title lender will lend you money based on the market value of your car, at a high interest rate and over a short term. The upside is that car title lenders do not generally run credit checks––the loan is based on the value of your car alone.
2Make sure you possess the actual title to your car. If you need to seek a replacement, contact your state's department of motor vehicles. (See Sources and Citations below for more help.)
3Be aware of the term of the loan. The term is simply the amount of time you have to pay back the loan, before the lender can sell your car to recoup costs. Make sure you mark this date somewhere.
4Check your state's regulations for car title loans. Some states, such as Illinois and California, have specific regulations in place for car title loans. Check your state's Department of Motor Vehicles website for more information.
Refund anticipation loans

1Contact a large tax preparation firm for a refund anticipation loan. Refund anticipation loans (RALs) use your anticipated tax return as collateral, with a high interest rate.
Go through a big company. Many small tax preparation firms used to do RALs. However, in 2011, the IRS stopped providing RAL providers with a prior indication of whether or not the taxpayer still owed federally-paid obligations such as child support, running the smaller firms out of business. Be extremely suspicious of a small firm offering RALs.
Be aware that refund anticipation loans began when it could take months for a tax return to process. With the advent of electronic filing, most people can have their tax returns deposited directly into their bank accounts in under two weeks. Consider seriously whether or not you need an RAL.
2Prepare your taxes at the same time. Most tax preparation firms offer a package deal, where they'll both prepare your taxes and help you with an RAL. Ask about special promotions.
3Be aware of fees. Tax preparation firms are allowed to charge you a set fee for doing your taxes, though they are not allowed to change this fee based on how large they expect your tax return to be. In addition, if you're getting an RAL, the firm is allowed to charge you a fee to set up a temporary bank account, in which your return will be deposited and then withdrawn by the firm.
Pawning

1Pawn an item at your local pawnshop. When you pawn an item, a pawnbroker agrees to pay you a certain amount of money for it. He or she will then hang on to the item for a pre-determined amount of time, during which you're allowed to buy the item back plus interest. If the term passes without you re-purchasing the item, the broker will sell it to recoup costs.
Try not to pawn anything you'd be heartbroken to lose. Once the term is up and the pawnbroker sells the item, that's it––there's no legal recourse for you to get it back.
2Understand that the pawnbroker will pay you below market rate for the item. The reason for this is that he or she will bear the risk of selling the item at market rate down the line, and the profit comes from taking the risk. Be prepared to take a 20-40 percent hit on market rate, if not more.
3Keep the item ticket. When you pawn something, the pawnbroker will give you a ticket or receipt, which you can use to purchase the item back later. Keep it in a secure location.
4Note the term. When the transaction is complete, make sure you write down the date on which you have to return and buy back the item if you want to keep it. Make sure the pawnbroker will hold it until the end of the day listed.
Cash advances

1Take out a cash advance with your credit card at a bank. If you have a credit card issued by a major corporation (such as Visa, Mastercard, Discover, or American Express), you should be able to take it into your local bank branch and ask for a cash advance. Basically, you'll be borrowing money against your credit card at a much higher interest rate than your usual transactions.
2Be aware of which purchases constitute a cash advance. Going into the bank isn't the only way to get a cash advance on your credit card. However, there are certain transactions that the credit card company will treat like a cash advance, and which will be subject to a higher interest rate. These include:
Money orders
Lottery tickets
Gambling chips
Certain government taxes and fees
3Try to pay back the cash advance by your next statement. If you fail to do so, the interest will carry over to subsequent payments.
Logbook loans (UK only)

1Be in possession of your car title, or "logbook". Logbook loans can be completed in as little as 15 minutes, and involve writing up a bill of sale for the vehicle as collateral for the loan.
2Provide proof of income. You must be able to show that you have a steady income in order to qualify for a logbook loan. Pay stubs or bank account statements showing direct deposits can help you accomplish this.
3Be aware that the lender can repossess your car without a court order. Logbook loans are risky and frowned upon because interest rates are high, and repossession will be immediate if you default on the loan.
EditTips

Because these loans are considered high-risk for the lender, interest rates will be high.
Always ask about fees, interest rates, repayment schedules and deadlines. Keep all of this information in once place, where you can access it easily.
Have your information ready before applying, such as identification, references and banking information.
EditWarnings

Most of these loans are meant to be short-term solutions. Try not to get caught in a cycle in which you're relying on these loans to pay your regular expenses––the high rates will wreak more havoc on your finances.
Not all of these suggestions are applicable in every country. Be sure to check local laws and regulations with respect to lending and borrowing.
EditRelated wikiHows

How to Get a Fast Loan Online
How to Get Fast Cash
How to Raise Cash Quickly
How to Manage an Online Payday Cash Advance
How to Get a Payday Loan Online
How to Get out from Under the Payday Loan Trap
EditSources and Citations

. – research source
Article Info

Featured Article
Categories: Featured Articles Credit and Debt
Recent edits by: Kalyx, JirachiQueen, Chris
In other languages
Español: Como solicitar un préstamo con mal crédito
Share this Article:
Discuss Print Email Edit Send fan mail to authors
Thanks to all authors for creating a page that has been read 20,595 times.
Was this article accurate?
Yes
No
Write An ArticleRandom Article
Related Articles

Get Out of Debt

Deal With Collection Agencies

Pay Off Credit Card Debt

Choose a Debt Management Program
Featured Articles

Have an Acne Free Face

Relax With Yoga

Change Your Username on YouTube

Lead Like George Washington
Meet a Community Member

Meet Davjohn, a member of the wikiHow community for over 5 years who has started 22 articles, made over 5,500 eddits and patrolled more than 14,000 edits. These days he enjoys using tools such as Quality Guardian and NFD Guardian. His proudest achievement is having been awarded a barnstar and his favorite article is How to Support Deployed US Troops.
Join The Community
- collapse Things to Do
Write an Article
Edit this Article
Request a New Article
Answer a Request
Login for more!
expand Places to Visit
Follow Us On...

the how to manual that you can edit
Home
About wikiHow
Terms of Use
RSS
Site map

Explore Categories
Arts and Entertainment Cars and Other Vehicles Computers and Electronics Education and Communications Family Life Finance and Business Food and Entertaining Health Hobbies and Crafts Holidays and Traditions Home and Garden Other Personal Care and Style Pets and Animals Philosophy and Religion Relationships Sports and Fitness Travel wikiHow Work World Youth
Barrel of Laughs chapter 2 . 2/24/2013
How to Borrow Money With Bad Credit
Edited by Teresa, Katherine Villareal, BR, ValiantRed600 and 8 others
41
Article
Edit Discuss

If you've had financial problems in the past, it's still possible for you to borrow money. Even if you don't have the credit score to get traditional loans, you can still get unsecured, short-term loans. Here's how to get started.
EditSteps

Payday loans

1Find a payday loan provider. Search online or ask around to find a company that provides payday loans. Generally, you have two options:
Brick-and-mortar businesses: These payday loan providers operate out of branches, and might require you to provide proof of income, paycheck stubs, and other indications that you will be able to pay back the loan.
Online businesses: Approval for these payday loans is generally faster, and funds are deposited and withdrawn electronically. Be prepared with your online bank account information, such as your account and routing number.
2Know the risks. Payday loans are secured, which means they're tied to some other asset. In this case, the asset is your future paycheck. Because they have high default rates, most lenders put high interest rates on payday loans.
Understand that payday loans are fundamentally short-term. The loan is due when you get your next paycheck, and most people get paid every two weeks.
3Provide the lender with a post-dated check, or with your account number and routing number. The post-dated check (or the ability to withdraw funds from your account electronically) is the collateral for the loan. If you do not return to repay the loan on payday, or if you don't transfer the funds back to the lender electronically, the lender is entitled to deposit the check or withdraw funds online.
Car title loans

1Find a car title lender. A car title lender will lend you money based on the market value of your car, at a high interest rate and over a short term. The upside is that car title lenders do not generally run credit checks––the loan is based on the value of your car alone.
2Make sure you possess the actual title to your car. If you need to seek a replacement, contact your state's department of motor vehicles. (See Sources and Citations below for more help.)
3Be aware of the term of the loan. The term is simply the amount of time you have to pay back the loan, before the lender can sell your car to recoup costs. Make sure you mark this date somewhere.
4Check your state's regulations for car title loans. Some states, such as Illinois and California, have specific regulations in place for car title loans. Check your state's Department of Motor Vehicles website for more information.
Refund anticipation loans

1Contact a large tax preparation firm for a refund anticipation loan. Refund anticipation loans (RALs) use your anticipated tax return as collateral, with a high interest rate.
Go through a big company. Many small tax preparation firms used to do RALs. However, in 2011, the IRS stopped providing RAL providers with a prior indication of whether or not the taxpayer still owed federally-paid obligations such as child support, running the smaller firms out of business. Be extremely suspicious of a small firm offering RALs.
Be aware that refund anticipation loans began when it could take months for a tax return to process. With the advent of electronic filing, most people can have their tax returns deposited directly into their bank accounts in under two weeks. Consider seriously whether or not you need an RAL.
2Prepare your taxes at the same time. Most tax preparation firms offer a package deal, where they'll both prepare your taxes and help you with an RAL. Ask about special promotions.
3Be aware of fees. Tax preparation firms are allowed to charge you a set fee for doing your taxes, though they are not allowed to change this fee based on how large they expect your tax return to be. In addition, if you're getting an RAL, the firm is allowed to charge you a fee to set up a temporary bank account, in which your return will be deposited and then withdrawn by the firm.
Pawning

1Pawn an item at your local pawnshop. When you pawn an item, a pawnbroker agrees to pay you a certain amount of money for it. He or she will then hang on to the item for a pre-determined amount of time, during which you're allowed to buy the item back plus interest. If the term passes without you re-purchasing the item, the broker will sell it to recoup costs.
Try not to pawn anything you'd be heartbroken to lose. Once the term is up and the pawnbroker sells the item, that's it––there's no legal recourse for you to get it back.
2Understand that the pawnbroker will pay you below market rate for the item. The reason for this is that he or she will bear the risk of selling the item at market rate down the line, and the profit comes from taking the risk. Be prepared to take a 20-40 percent hit on market rate, if not more.
3Keep the item ticket. When you pawn something, the pawnbroker will give you a ticket or receipt, which you can use to purchase the item back later. Keep it in a secure location.
4Note the term. When the transaction is complete, make sure you write down the date on which you have to return and buy back the item if you want to keep it. Make sure the pawnbroker will hold it until the end of the day listed.
Cash advances

1Take out a cash advance with your credit card at a bank. If you have a credit card issued by a major corporation (such as Visa, Mastercard, Discover, or American Express), you should be able to take it into your local bank branch and ask for a cash advance. Basically, you'll be borrowing money against your credit card at a much higher interest rate than your usual transactions.
2Be aware of which purchases constitute a cash advance. Going into the bank isn't the only way to get a cash advance on your credit card. However, there are certain transactions that the credit card company will treat like a cash advance, and which will be subject to a higher interest rate. These include:
Money orders
Lottery tickets
Gambling chips
Certain government taxes and fees
3Try to pay back the cash advance by your next statement. If you fail to do so, the interest will carry over to subsequent payments.
Logbook loans (UK only)

1Be in possession of your car title, or "logbook". Logbook loans can be completed in as little as 15 minutes, and involve writing up a bill of sale for the vehicle as collateral for the loan.
2Provide proof of income. You must be able to show that you have a steady income in order to qualify for a logbook loan. Pay stubs or bank account statements showing direct deposits can help you accomplish this.
3Be aware that the lender can repossess your car without a court order. Logbook loans are risky and frowned upon because interest rates are high, and repossession will be immediate if you default on the loan.
EditTips

Because these loans are considered high-risk for the lender, interest rates will be high.
Always ask about fees, interest rates, repayment schedules and deadlines. Keep all of this information in once place, where you can access it easily.
Have your information ready before applying, such as identification, references and banking information.
EditWarnings

Most of these loans are meant to be short-term solutions. Try not to get caught in a cycle in which you're relying on these loans to pay your regular expenses––the high rates will wreak more havoc on your finances.
Not all of these suggestions are applicable in every country. Be sure to check local laws and regulations with respect to lending and borrowing.
EditRelated wikiHows

How to Get a Fast Loan Online
How to Get Fast Cash
How to Raise Cash Quickly
How to Manage an Online Payday Cash Advance
How to Get a Payday Loan Online
How to Get out from Under the Payday Loan Trap
EditSources and Citations

. – research source
Article Info

Featured Article
Categories: Featured Articles Credit and Debt
Recent edits by: Kalyx, JirachiQueen, Chris
In other languages
Español: Como solicitar un préstamo con mal crédito
Share this Article:
Discuss Print Email Edit Send fan mail to authors
Thanks to all authors for creating a page that has been read 20,595 times.
Was this article accurate?
Yes
No
Write An ArticleRandom Article
Related Articles

Get Out of Debt

Deal With Collecction Agencies

Pay Off Credit Card Debt

Choose a Debt Management Program
Featured Articles

Have an Acne Free Face

Relax With Yoga

Change Your Username on YouTube

Lead Like George Washington
Meet a Community Member

Meet Davjohn, a member of the wikiHow community for over 5 years who has started 22 articles, made over 5,500 edits and patrolled more than 14,000 edits. These days he enjoys using tools such as Quality Guardian and NFD Guardian. His proudest achievement is having been awarded a barnstar and his favorite article is How to Support Deployed US Troops.
Join The Community
- collapse Things to Do
Write an Article
Edit this Article
Request a New Article
Answer a Request
Login for more!
expand Places to Visit
Follow Us On...

the how to manual that you can edit
Home
About wikiHow
Terms of Use
RSS
Site map

Explore Categories
Arts and Entertainment Cars and Other Vehicles Computers and Electronics Education and Communications Family Life Finance and Business Food and Entertaining Health Hobbies and Crafts Holidays and Traditions Home and Garden Other Personal Care and Style Pets and Animals Philosophy and Religion Relationships Sports and Fitness Travel wikiHow Work World Youth
Barrel of Laughs chapter 1 . 2/24/2013
How to Borrow Money With Bad Credit
Edited by Teresa, Katherine Villareal, BR, ValiantRed600 and 8 others
41
Article
Edit Discuss

If you've had financial problems in the past, it's still possible for you to borrow money. Even if you don't have the credit score to get traditional loans, you can still get unsecured, short-term loans. Here's how to get started.
EditSteps

Payday loans

1Find a payday loan provider. Search online or ask around to find a company that provides payday loans. Generally, you have two options:
Brick-and-mortar businesses: These payday loan providers operate out of branches, and might require you to provide proof of income, paycheck stubs, and other indications that you will be able to pay back the loan.
Online businesses: Approval for these payday loans is generally faster, and funds are deposited and withdrawn electronically. Be prepared with your online bank account information, such as your account and routing number.
2Know the risks. Payday loans are secured, which means they're tied to some other asset. In this case, the asset is your future paycheck. Because they have high default rates, most lenders put high interest rates on payday loans.
Understand that payday loans are fundamentally short-term. The loan is due when you get your next paycheck, and most people get paid every two weeks.
3Provide the lender with a post-dated check, or with your account number and routing number. The post-dated check (or the ability to withdraw funds from your account electronically) is the collateral for the loan. If you do not return to repay the loan on payday, or if you don't transfer the funds back to the lender electronically, the lender is entitled to deposit the check or withdraw funds online.
Car title loans

1Find a car title lender. A car title lender will lend you money based on the market value of your car, at a high interest rate and over a short term. The upside is that car title lenders do not generally run credit checks––the loan is based on the value of your car alone.
2Make sure you possess the actual title to your car. If you need to seek a replacement, contact your state's department of motor vehicles. (See Sources and Citations below for more help.)
3Be aware of the term of the loan. The term is simply the amount of time you have to pay back the loan, before the lender can sell your car to recoup costs. Make sure you mark this date somewhere.
4Check your state's regulations for car title loans. Some states, such as Illinois and California, have specific regulations in place for car title loans. Check your state's Department of Motor Vehicles website for more information.
Refund anticipation loans

1Contact a large tax preparation firm for a refund anticipation loan. Refund anticipation loans (RALs) use your anticipated tax return as collateral, with a high interest rate.
Go through a big company. Many small tax preparation firms used to do RALs. However, in 2011, the IRS stopped providing RAL providers with a prior indication of whether or not the taxpayer still owed federally-paid obligations such as child support, running the smaller firms out of business. Be extremely suspicious of a small firm offering RALs.
Be aware that refund anticipation loans began when it could take months for a tax return to process. With the advent of electronic filing, most people can have their tax returns deposited directly into their bank accounts in under two weeks. Consider seriously whether or not you need an RAL.
2Prepare your taxes at the same time. Most tax preparation firms offer a package deal, where they'll both prepare your taxes and help you with an RAL. Ask about special promotions.
3Be aware of feees. Tax preparation firms are allowed to charge you a set fee for doing your taxes, though they are not allowed to change this fee based on how large they expect your tax return to be. In addition, if you're getting an RAL, the firm is allowed to charge you a fee to set up a temporary bank account, in which your return will be deposited and then withdrawn by the firm.
Pawning

1Pawn an item at your local pawnshop. When you pawn an item, a pawnbroker agrees to pay you a certain amount of money for it. He or she will then hang on to the item for a pre-determined amount of time, during which you're allowed to buy the item back plus interest. If the term passes without you re-purchasing the item, the broker will sell it to recoup costs.
Try not to pawn anything you'd be heartbroken to lose. Once the term is up and the pawnbroker sells the item, that's it––there's no legal recourse for you to get it back.
2Understand that the pawnbroker will pay you below market rate for the item. The reason for this is that he or she will bear the risk of selling the item at market rate down the line, and the profit comes from taking the risk. Be prepared to take a 20-40 percent hit on market rate, if not more.
3Keep the item ticket. When you pawn something, the pawnbroker will give you a ticket or receipt, which you can use to purchase the item back later. Keep it in a secure location.
4Note the term. When the transaction is complete, make sure you write down the date on which you have to return and buy back the item if you want to keep it. Make sure the pawnbroker will hold it until the end of the day listed.
Cash advances

1Take out a cash advance with your credit card at a bank. If you have a credit card issued by a major corporation (such as Visa, Mastercard, Discover, or American Express), you should be able to take it into your local bank branch and ask for a cash advance. Basically, you'll be borrowing money against your credit card at a much higher interest rate than your usual transactions.
2Be aware of which purchases constitute a cash advance. Going into the bank isn't the only way to get a cash advance on your credit card. However, there are certain transactions that the credit card company will treat like a cash advance, and which will be subject to a higher interest rate. These include:
Money orders
Lottery tickets
Gambling chips
Certain government taxes and fees
3Try to pay back the cash advance by your next statement. If you fail to do so, the interest will carry over to subsequent payments.
Logbook loans (UK only)

1Be in possession of your car title, or "logbook". Logbook loans can be completed in as little as 15 minutes, and involve writing up a bill of sale for the vehicle as collateral for the loan.
2Provide proof of income. You must be able to show that you have a steady income in order to qualify for a logbook loan. Pay stubs or bank account statements showing direct deposits can help you accomplish this.
3Be aware that the lender can repossess your car without a court order. Logbook loans are risky and frowned upon because interest rates are high, and repossession will be immediate if you default on the loan.
EditTips

Because these loans are considered high-risk for the lender, interest rates will be high.
Always ask about fees, interest rates, repayment schedules and deadlines. Keep all of this information in once place, where you can access it easily.
Have your information ready before applying, such as identification, references and banking information.
EditWarnings

Most of these loans are meant to be short-term solutions. Try not to get caught in a cycle in which you're relying on these loans to pay your regular expenses––the high rates will wreak more havoc on your finances.
Not all of these suggestions are applicable in every country. Be sure to check local laws and regulations with respect to lending and borrowing.
EditRelated wikiHows

How to Get a Fast Loan Online
How to Get Fast Cash
How to Raise Cash Quickly
How to Manage an Online Payday Cash Advance
How to Get a Payday Loan Online
How to Get out from Under the Payday Loan Trap
EditSources and Citations

. – research source
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