Let’s face it, 2020 has not been the most remarkable year for many of us. For some, our credit cards have become a very needed lifeline! For others, our credit cards are becoming a ball and chain - dragging us deeper into a black hole of debt.
Credit cards aren’t our only option, though. Here’s the complete list of unique alternatives to getting the financing you need to make critical purchases:
1. Apply For A $2,500 Loan & Use Cash When You Can
Having less than perfect credit doesn’t mean lenders shouldn’t be able to work with you. That’s why they created LFBC. LFBC has grown to become one of the nation’s largest loan marketplaces for people with past credit issues. LFBC allows you to borrow up to $40,000 in as little as 24 hrs. By completing a short form, lenders can quickly review your information and see if you qualify for a loan. This free service will not affect your credit score.
LFBC has a large marketplace of lenders that understand you’re more than just your credit score. If you have been turned down for loans before, don’t worry. LFBC’s marketplace of lenders have seen it all. They’ll do their best to connect you with a solution that meets your needs even if your FICO Score is below 575. APR’s will vary based on your individual needs, but they can start as low as 3.99% APR based on your creditworthiness.
2. Stop Using Your Credit Cards & Apply For A Low APR Loan Instead
Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services, created “Fiona.”
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds so that you can get instantly matched with the right personalized recommendation all in one place. You can borrow as little as $1,000 and as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.
3. Do Your Shopping With These Free Gift Cards
Turn your internet browsing into cash! Swagbucks allows users to share opinions and your internet surfing habits for real cash. Swagbucks gives out over 7,000 gift cards a day to its members for stores like Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.
A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. It’s easy to make an extra $5 in one day by watching a few videos. That translates to some serious extra cash in your pocket each month.
4. If Bills Are Piling Up, Try Not To Pay Them With Your Credit Card
Founded in 1999, AmOne has grown to become one of the nation’s most considerable financial assistance companies. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you. AmOne advisors will also help you apply for a loan, up to $50,000, to get you back on track.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can help you get the right solution tailored to your needs even if your FICO Score is less than perfect. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.
5. This App Will Pay You To Preview New Shows
InboxDollars is one of the world’s leading online rewards clubs and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.
How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos, and more). InboxDollars lets you know how long each playlist runs, from a few minutes to a half-hour. Select a playlist, watch, and earn cash. Signing up with InBoxDollars is fast and easy.
6. Apply For No Interest, $2,500 Credit Limit At This Store
“Costly life events happen, but people shouldn’t have to pay up to four times retail prices for what they need!” That’s a direct quote from the CEO of Zebit. What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® Score needed.
Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. Zebit offers members the flexibility to pay for anything they buy over time. This includes gift cards! Zebit members can finance gift card* purchases to stores like Macy’s, Target, Lowes, Banana Republic, Old Navy, Gap, and more. Plus, you can also finance gift card purchases to some of your favorite restaurants. Members can use these gift cards to shop at their favorite stores. It’s just like creating your own credit account at Target!
Zebit offers every type of product you can imagine on their site. Electronics, computers, furniture, jewelry, clothing, baby items, and appliances. Shop directly from Zebit’s website for major brands like Apple, MCM, Samsung, Fitbit, Kitchenaide, Sony Playstation - you’re not getting cheap stuff!
To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits.
2021 Bonus Tip
Remodel Your Home With Fiona
Many homeowners rely on their credit cards to make home improvements. Why pay a high APR% when a personal loan could save you more money.
Fiona offers loans from $1,000 - $100,000. Fiona is free to use and offers rates as low as 4.99%. Checking your rate with Fiona won’t affect your credit score. If you’re thinking of updating your kitchen, bath, or any home improvement project - get a free quote from Fiona first.
*Product availability will vary. Financing terms for $1,000 item: Make a 25% down payment of $250.00. $750.00 is financed at 0% APR for 6 months, with 12 semi-monthly payments of $62.50 each. This is a representative example. See your agreement for details. Purchasing an electronic certificate today or over time will carry an 18% handling charge. So a $200 valued gift card costs $236. Zebit will verify information using certain specialty credit reporting agencies, which does not affect your FICO score. Zebit’s products may differ than other retailers’ prices. Not all customers will be approved for credit.