Tips and Hints

Tips and hints from Cash Fast Centers will give insight about various components of your financial health as well as dispel misconceptions about no-credit-check loans.

4 Top Money Management Apps That Help You Save

Do you ever get your credit card bill at the end of the month and are puzzled about how you spent so much money? Do you open your wallet only to wonder where all your cash has gone? Do you pull out your debit card to make a purchase and discover you don’t have the funds in your account you thought you did? Sounds like you need a money management app. 
Take Control of Your Finances with These Top Money Management Apps

Mint

This free tool has almost everything you could desire in a financial app. With two or three bank accounts, several credit cards, and different investments, it’s hard to keep track of it all. Mint is able to gather your information into one place and help you understand what exactly is going on with your money.

It connects to almost every financial institution in the United States, which makes it easy for you to get an accurate picture of your finances in real time. Mint will also send you personalized saving and investing tips to help you make the most of your money.

One of the best features of this app, however, is the alerts it can send. If you’re going over budget, spending an unusual amount of money in an area, or paying too many ATM fees, Mint will let you know. It can also detect suspicious activity, so you can contact your credit card company or bank the moment something happens.

Mint also addresses the vital “Are money management apps safe?” question. This tool boasts triple layer security and uses the same 128-bit SSL encryption and physical security standards as banks. They are also monitored by third-party online security experts, giving [...]

By |April 14th, 2016|Tips and Hints|Comments Off on 4 Top Money Management Apps That Help You Save|

5 Vital Personal Finance Tips from Lending Experts

Spring is in the air, and the two evils of the season are upon us: it’s time to spring clean and get in shape. But don’t forget to add a financial cleanup to your “spring cleaning” list. That’s right: it’s time to study up on some personal finance tips, and Cash Fast Loan Centers is here with a lesson plan.

Tip #1: Make lists.

You have to track expenses to be able to anticipate them, and there’s no better indicator of future spending habits than your past expenses! Experts say about a month of recording your expenses (no matter how painful!) is a good baseline of information for setting a budget and making a plan to stick with it.

Tip #2: Go digital.

There are plenty of apps out there (like Mint) that will track your expenses and help make a budget for you if you hook up your credit card and bank accounts. Not quite that techy? An excel spreadsheet will help you categorize your spending so you can see where you are spending the most—and where you might be able to cut costs.

Tip #3: Hold yourself accountable.

Or recruit a friend to help you stay on track! Once your budget is established, it’s important to make sure you manage your spending and stick to it. Try a reward system (already factored into your budget, of course!) or make a savings goal that you can work towards so that you can see progress.

Tip #4: Be thrifty, but be realistic.

Use coupons, carpool with a friend, sell things you don’t need, and manage little problems before they become big ones (hello, car maintenance). Check out the nine quick ways we recommend stacking your savings.

Tip [...]

By |April 6th, 2016|Tips and Hints|Comments Off on 5 Vital Personal Finance Tips from Lending Experts|
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    Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers

Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers

We all work hard for our money, but sometimes we need a helping hand. If you’re in need of a cash advance, then you’ll want to partner with an organization you can trust in your time of need.

An easy way to identify a trustworthy fast cash loans company is through membership with the Community Financial Services Association (CFSA). Each member is obligated to abide by several best practice policies. This ensures each customer is being treated fairly and ethically. Read below for a summary of CFSA’s best practices.

Full Disclosures: The cash advance company must present all costs to the customer before the transaction takes place. This includes the cost of the service fee both as a dollar amount and as an annual package rate (APR).
Compliance: Borrowers can be assured this cash advance company will abide by all state and federal laws.
Truthful Advertising: Fast cash loans companies that are members of CFSA cannot provide any false or misleading information in their advertisements.
Encouraging Consumer Responsibility: Customers will receive notices which inform them of the intended use of the payday advance service on any marketing materials produced by the cash advance company.
Rollovers: Cash advance rollovers will not be allowed unless expressly authorized by the state law.
Right to Rescind: The fast cash loans organization will allow customers to cancel their payday advance transaction on or before the close of the following business day at no additional cost.
Appropriate Collection Practices: Intimidation and threats are not tolerated under any circumstances. Collection on past due accounts will only be handled in a lawful manner. All proper collection practices are outlined in the Fair Debt Collection Practices Act.
No Criminal Action: Customers cannot be [...]

By |February 19th, 2016|Tips and Hints|Comments Off on Cash Advance Loans 101: Best Practices for Charlotte, North Carolina, Borrowers|

Why Online Payday Loans Aren’t Worth the Risk

At Carolina Cash Fast, we pride ourselves on offering no-hassle, same-day approval on payday loans. As your local direct lender, it’s our goal to make it as easy as possible to put cash in your hand. The only thing that might make our service easier to use is if we offered it online. That way you could apply for a cash advance without leaving your couch.

So why doesn’t Carolina Cash Fast offer payday loans online?

This is a frequently asked question among our customers. Let’s take a minute to answer it.
Online Payday Loans Put You at Risk of Identity Theft
The biggest difference between Carolina Cash Fast and other direct lending services is our commitment to responsibility. As a member of the Community Financial Services Association of America’s Best Practices, we have a full list of standards that we strive to meet while conducting business. These guidelines include sections on full disclosure and encouraging consumer responsibility.

The truth is that online payday loan services put you at more risk than their worth. Often you will be working with what is known as a lead generation service instead of a real lender. These lead generator sites collect the same sensitive information that you would submit to apply for a loan:

Social security number
Driver’s license number
Bank account number

The difference is the security measures on these sites are notoriously vulnerable to hackers. In the event of a security breach, you might wind up the victim of identity theft.

Risk is a two-way street. Were we to offer our services online, we could also get tricked by criminals who have stolen someone else’s identity. We think we’re paying out a loan to someone that needs it for [...]

By |February 4th, 2016|Tips and Hints|Comments Off on Why Online Payday Loans Aren’t Worth the Risk|

9 Ways to Save Money in 9 Minutes or Fewer

If you woke up with dashed hopes because your $2 lottery ticket was a dud, fear not! We have nine easy ways to help you make back that $2 with hardly any effort.

Intrigued? Many of our suggestions only take around 9 or 10 minutes to get started. And when you’re talking money, every effort adds up. Let’s get started!
Got 9 Minutes? 9 Ways to Save Money
It really doesn’t take much to start adding up pennies here and nickels there. With small changes and some simple daily habits, you could have extra money in your bank account in no time by implementing these 9 simple money saving methods.

If you woke up with dashed hopes because your $2 lottery ticket was a dud, fear not! We have nine easy ways to help you make back that $2 with hardly any effort.

Intrigued? Many of our suggestions only take around 9 or 10 minutes to get started. And when you’re talking money, every effort adds up. Let’s get started!
Got 9 Minutes? 9 Ways to Save Money
 

It really doesn’t take much to start adding up pennies here and nickels there. With small changes and some simple daily habits, you could have extra money in your bank account in no time by implementing these 9 simple money saving methods.

Cash in your change.
Many credit unions, grocery stores, or other public places of business have coin counting machines where all you have to do is dump in your coins. Some might charge a small fee, but it’s nothing compared to the extra cash you’ll have! Another option is getting your money back in store gift cards.
Sell leftover gift cards.
Do you [...]

By |February 1st, 2016|Tips and Hints|Comments Off on 9 Ways to Save Money in 9 Minutes or Fewer|
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    Happy New Year Charlotte from Your Friends at Carolina Cash Fast

Happy New Year Charlotte from Your Friends at Carolina Cash Fast

Season’s greetings from your friends at Carolina Cash Fast!

We just wanted to take a moment to say: We made it! Another year has come and gone, and oh what a year it was. For better or for worse, 2015 sure was full of excitement, and we can only imagine what 2016 holds in store for us.

All of us at Cash Fast wish you happy holidays, and we hope you have something fun planned for New Year’s. Share your plans with us or tell us what your New Year’s resolution is. We love hearing from our customers and our community.

If you don’t already have plans, remember that uptown Charlotte is going to be popping. Lots of restaurants, bars, and venues are holding special events, and there’s a huge celebration happening in the center of town. Join your fellow Queen City citizens at Romare Bearden Park for a family-friendly festival starting at 6:00 p.m. on New Year’s Eve. There will be games, food trucks, music, and fireworks. Cap off the night with the annual raising of the Charlotte Crown. It’s sure to be fun.

Whatever you end up doing, remember to stay safe out there. We care deeply about all our customers because we know without you, none of this is possible. So find a designated driver, call a cab, or take an Uber. If you’re hosting a party, make sure all your guests have plans for getting home. Everyone should have fun while you’re ringing in the New Year – just take care that yours starts off happy.

This is your friendly neighborhood short-term lender signing off for 2015. We’ll see you all in the New Year!

By |December 29th, 2015|Tips and Hints|Comments Off on Happy New Year Charlotte from Your Friends at Carolina Cash Fast|

4 Simple Steps to Grow Your Savings Account

Standard Savings Accounts 101

The first step in a crash course about this type of banking is to understand the savings account definition. According to Investopedia, a savings account is “a deposit account held at a bank or other financial institution that provides principal security and a modest interest rate.”

In other words, the simple definition of a savings account is this: it’s an account that makes you money.

While there are different types of savings accounts, we’re talking about the standard account that you can open up at any banking institution with a small minimum balance requirement. Though it typically doesn’t offer significant interest rates, depositing or transferring money into this account on a regular basis is vital to stable financial health.

Maintaining and growing the balance of your savings account will afford the opportunity to open other forms of savings accounts and make other investments. But it all begins with the simple steps toward growing your balance.
4 Steps to Grow Your Savings Account
Actually saving money is the hardest thing about starting a savings account. But with these three simple steps, you can see significant growth and ensure a more financially stable future.

MAKE A RECORD OF SPENDING

You need to know how much you spend in order to know how much you can save. Take the next month to record everything you purchase or pay (coffee, cupcake, newspaper … everything!). At the end of the 30 days, organize these numbers by category and add the total amount for each.

Gas
Groceries
Mortgage
Car Insurance
Restaurants
And so on

MAKE YOUR BUDGET

Now, it’s time to build that budget plan. Eliminate overspending. Set amounts for purchase based on that one-month’s history. Think about other potential costs like car maintenance, [...]

By |December 14th, 2015|Tips and Hints|Comments Off on 4 Simple Steps to Grow Your Savings Account|

Tips to Help with Paying Bills on Time

It’s that time again. The end of the month. You probably already received that latest bills. And it’s possible that you’re having trouble with paying those bills on time. In fact, you may even be in a bind preventing you from being able to pay some of them at all—let alone by the due date. The good news is that you don’t have to struggle.

With the simple tips below, you can follow a process that will help you pay your bills on time. And pay some bills off for good.
Get Organized
Bills cannot be paid on time if you aren’t sure when they are due or how much you owe. Being disorganized is actually a major factor that people fall into debt in the first place. Closing your eyes and pretending your energy bill doesn’t keep the lights on. So, if you’re not organized, how do you get organized?

Put together a list of your regular bills.

Mortgage or rent
Utilities
Food
Gas
Credit card
Loan(s)
And any other installment plans

It does not matter if the bills are due weekly, monthly, quarterly, or annually. Create folders—likely best on your computer—and label them with the due date (e.g. Water is due on the 15th of every month, so mark the folder Water 15th). This saves you time when paying bills and helps prevent accidentally missing a payment and incurring late penalties.
Now Prioritize
Most of us only have a limited amount of money each month. It’s important that we differentiate between what we need and what we want.

We need a home, food, and security; therefore, we must pay the rent/mortgage and utilities and get to the grocery store.

We want [...]

By |September 28th, 2015|Tips and Hints|Comments Off on Tips to Help with Paying Bills on Time|

Top 5 Uses for a Payday Advance Loan

A payday loan can be a useful tool for you in times of need. That’s because one of the most important things you mange is your credit, so late or missed payments can really hurt your score. Access to money for bills and unexpected expenses can be even more difficult with poor, bad, or no credit history. Fortunately, you have resources like Cash Fast Center.

If you’re curious about whether or not a payday advance loan is right for you, it’s important to consider how are using the money. Here are the top 5 reasons you may want to get a payday loan:

Everyday Expenses

It’s easy to get behind on bills, partially because there can be so many. These daily and monthly costs like rent, food, utilities, recreation, and gas often drain your account. A payday advance loan can provide an easy and quick connection to funds that help keep the lights on.

Repair Bills

Even if you don’t own a home, you may have to manage bills for repairing appliances or vehicles. The average cost of repair for a car in 2012 hit $367.84. Most costs for appliance repair start at more than $100 – so your refrigerator, oven, washer, dryer, or dishwasher can leave you hundreds of dollars in debt. But you don’t have to live without these common home necessities, nor do you have to, with an affordable payday advance loan.

Medical Emergency

Though we don’t anticipate falling ill or becoming injured, accidents and sickness do strike. According to Forbes, a worker who has a family of four will have to spend $9,144 per year on medical care – which is approximately $762 per month. A payday advance loan can help you cover these surprise costs to [...]

By |August 21st, 2015|Tips and Hints|Comments Off on Top 5 Uses for a Payday Advance Loan|
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    Can a Payday or Car Title Loan Help with the Price Tag of College Costs?

Can a Payday or Car Title Loan Help with the Price Tag of College Costs?

Cash Fast Loan Centers offer both payday loans and car title loans to help with many hardships. One of the most important, yet sometimes overwhelming, costs is the price tag of a college education. And if you live in the state of North Carolina, you have plenty of options for pursing a degree, including the University of North Carolina at Charlotte.

According to College Data, the average total tuition for an in-state public college during the 2014-2015 academic year was $23,410; private colleges needed students to budget for a $46,272 per academic year.

While a payday or car title loan won’t cover the cost of tuition – what the college charges for instruction – there are plenty of other costs that these quick and easy loans can satisfy.
Necessary Supplies
Books and other learning tools are required materials for most college courses, which are prescribed by the professor in a syllabus at the beginning of each semester. These costs include a computer, computer accessories, books, and more; the College Board estimates that the average cost for these supplies for an undergraduate at a four-year college is $1,200 per academic year.

Whether you own a coupe, sedan, truck, or sport utility vehicle, it’s quite possible that a car title loan can furnish you with the funds needed to cover the essential costs of achieving in the classroom.
Personal Expenses
Cell phone. Laundry. Restaurants. Bars.  Clothes. Entertainment.

Personal expenses are a finicky bunch, and it’s tough to determine what you’ll spend and how to budget. These are the items that financial aid doesn’t always cover, so it’s important to understand alternative resources.

Whether you’re a student or a parent of a student, a payday advance loan can quickly supply the needed [...]

By |August 14th, 2015|Tips and Hints|Comments Off on Can a Payday or Car Title Loan Help with the Price Tag of College Costs?|