wikiHow to Get a Loan With Western Union

Two Parts:Receiving a Title LoanReceiving a Payday Loan

Western Union is a money transfer service. It does not offer loans. However, it partners with Check Into Cash, a payday loan service.[1] After receiving a loan through Check Into Cash one can have the money wired through Western Union. These loans have high interest rates, but they can be useful in times of urgent need. .

Part 1
Receiving a Title Loan

  1. Image titled Get a Loan With Western Union Step 1
    Understand title loans. A title loan is a loan in which an automobile is used as collateral. You do not need good credit for a title loan, but if you fail to repay the loan you will lose your car. Depending upon your state of residence and the condition of your vehicle, the maximum amount of the loan may vary from $1,350-$25,000.[2]
    • The title of your car will need to be free of outstanding loans in order for you to get a loan.
    • Check Into Cash offers this service in: Alabama, Arizona, California, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Ohio, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin.[3]
  2. Image titled Get a Loan With Western Union Step 2
    Get an online estimate. On the Check Into Cash website you should be able to instantly give you a quote.
  3. Image titled Get a Loan With Western Union Step 3
    Visit a Check Into Cash store. Search online to find a location around you. Come with necessary documents, prepared to fill out an application.
    • To complete the application you will need to bring a government-issued photo ID, proof of residence, proof of income, title of your vehicle, and the vehicle itself.[4]
  4. Image titled Get a Loan With Western Union Step 4
    Review the quotes offered. Select a line of credit that fits your needs. Once you've received the loan application, sign and date it.

Part 2
Receiving a Payday Loan

  1. Image titled Get a Loan With Western Union Step 5
    Understand payday loans. Payday loans are a way to get quick money without good credit. Money will be immediately deducted from your account when your paycheck comes in. This can be a good way to cover unexpected expenses until your next paycheck. However, the rates of interest are high relative to other types of credit.
    • The APR for a 14 day $100 loan is 260.71% to 782.14%.[5]
    • Depending on your state of residence, the loan amount might vary from $100 to $1,000.
    • You can receive an online payday loan in Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
  2. Image titled Get a Loan With Western Union Step 6
    Apply online. Fill out the application on the Check Into Cash website. To apply you will need to have a checking account open for at least 90 days, be at least 21, a US Citizen, have a current phone number, and a valid email address. You will need to have your bank account number so that Check Into Cash can automatically deposit and deduct cash from your account. [6]
    • You might need to have a fax machine or printer, so that you can print and send a bank statement or pay stub as proof of employment. Alternatively, you can email these documents to[7]
    • Check Into Cash might also contact your employer to verify employment.
  3. Image titled Get a Loan With Western Union Step 7
    Apply in person. If applying online proves difficult, you can also do so in person. Find a location online and bring supporting documents. Be prepared to fill out an application.
    • You will need to bring with you a current pay stub or other proof of income, a government-issued photo ID, your most recent bank statement, and a personal check.[8]
  4. Image titled Get a Loan With Western Union Step 8
    Receive the money. Check Into Cash says that an application submitted online should be processed within a business day and the money deposited in your account immediately thereafter. In person applications should be processed instantly.
  5. Image titled Get a Loan With Western Union Step 9
    Be prepared to have money deducted from your account. When applying online, you will give Check Into Cash your checking account number so that they can automatically deduct the entire loan with interest from your count on a predetermined date. When you apply in person, you fill out a check that they will deposit when you receive your paycheck. Either way, the whole sum will be automatically deducted from your account on a predetermined date.

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Categories: Mortgages and Loans