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Friday, June 28 2019
How Do I Get A Loan With No Credit?

Ideally, everyone would have all the money they need all the time and no one would need to borrow money.

But let’s face it: everyone comes up short on cash sometimes. 

When this happens to you, you’re usually stuck with one of two options: either pawn off your valuables to a place like Cash Express or take out a short-term loan.

Deciding to sell valuable can be hard if they have sentimental value attached to them. Imagine how heartbreaking it must be to trade in a family heirloom just to hold you over until your next paycheck! Most people aren’t willing to do that. 

And then there are also people who don’t really have any valuables to sell. Both these people and those who don’t want to sell precious items are left with one choice: seeking out a loan.

However, getting a loan when you have either a bad credit history or no credit history at all is difficult. Most lenders don’t want to take a chance on people who are bad with debt nor do they want to hand out money to those who haven’t proved their creditworthiness yet.

You get stuck in a vicious cycle of “I need to build credit to get credit, but to build credit I need to get credit first”.

One solution is to seek out a credit builder loan. These loans let people with no credit history prove creditworthiness by paying monthly for the loan and only getting access to the money once it’s paid off. They aren’t built for getting you money right away, unfortunately, so these won’t serve you well in a pinch.

You could try for a personal loan, but the application process takes a few days since lenders have to process your application and perform credit checks. Not only does this take a few days, but good luck getting a personal loan without any credit history.

Credit unions are more willing to take chances on you if you have a questionable credit history, but they tend to have restrictions on the amount you can borrow. If you need a lot of money quickly, credit unions might not be able to provide you with the funds.

Is there any way to quickly get a loan with no credit to avoid selling off precious items just to keep you afloat?

Believe it or not, you can actually use your prized possessions to get the money you need without selling them using a pawn loan from a pawn shop like Cash Express. We hold your items as collateral for the loan so you don’t have to sell them to get the money.

Almost any item will do, whether you have a rare coin, an old book, a fancy watch, or even a car! 

To get a pawn loan, first bring your item or items you’d like to take the loan against into our shop. We’ll appraise the value of the items to determine how much we’ll loan you, just like we would if you were selling it to us. If you accept our offer, you can walk out with cash in hand the same day. All you need to do to get your items back is repay the pawn loan and we’ll return them to you.

There are no credit checks or lengthy application process for pawn loans. Just walk in, get your items appraised, and walk out with your money within an hour or two.

So if you don’t have a credit history and find yourself in a financial pinch, bring your items to Cash Express and we’ll see if we can get you the money you need.

Posted by: AT 09:47 am   |  Permalink   |  Email
Friday, June 14 2019
Buying Tools At A Pawn Shop Can Save You Money

Power tools are essential for DIY projects around the house, as well as fixing things that break. Anything from plumbing issues, to building a desk from scratch, to managing your landscape is nearly impossible without the right power tools.

But new power tools carry a hefty price. If you need a whole set of power tools, new ones could set you back a paycheck or two. A quality drill alone could run you over $200! When you’re trying to do some home improvement on a budget, that just isn’t feasible.

Buying used power tools at pawn shops makes it easy to build up your toolset without going broke. Most pawn shops will have exactly what you need for much less than what you’d find if you were buying brand new tools. In addition, non-power tools like screwdrivers and hammers are an even better deal. Prices on these non-power tools can be so low that you won’t even notice the impact on your wallet.

Many people in the market for power tools hesitate on purchasing used tools due to safety and reliability concerns. However, power tools are designed to last for the long haul. They’re engineered to take a lot of punishment over many years, which is part of the reason they’re so expensive as new in the first place.

If a power tool is at the end of it’s life, then it’s probably made it’s way to the garbage instead of a shelf. And then of course non-power tools last even longer due to not needing a power source to use them.

Cash Express has a ton of power tools that you can get for much less than you could get them at a home improvement store. Drills, circular saws, and tape measures are just some of the things we have available. You can walk out with the toolset you need within an hour or so without breaking the bank.

If you have bought power tools and no longer need them, we can get you a good price for them too. That way, you can recoup some of the money you spent on those new tools and offload things you no longer need.

So for those of you looking to do some projects around the house, pay a visit to a pawn shop like Cash Express to grab the tools you need without breaking the bank. And if you have tools you no longer need, we’ll gladly get you a fair price on those as well.

Posted by: AT 02:54 am   |  Permalink   |  Email

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Cash Express  • Philadelphia Pawn Shop

731 Chestnut St. Philadelphia, PA 19106 -  (215) 922-1560