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Are you looking for a loan or for credit help?  Are you looking for some way to get through a rough period in your life because of a layoff or a drop in income?  This page has information and links that can help you.  Some of the businesses here are commercial firms offering loans, while others are non-profits.  If you are looking for help with a mortgage loan, please go to our special "Mortgage Help" page for that information.  And we have various pages offering legal help and you will find those pages in our index on the left with a list of lawyers.

PROS AND CONS OF GETTING A PAWN SHOP LOAN

Update September 21, 2011  I know that pawn shops have a seedy reputation.  On TV there are programs where the down-and-out will try to get a few bucks for their dentures, or for some old tools after someone has been laid off from a construction job.  You probably think of pawn shops are a place to sell a wedding ring from a failed marriage and you probably think of pawn shops as places filled with guitars and drum sets from rock stars who never were.

But there are also classy pawn shops and respectable families can use these for emergency short term loans.  I know this very well -- because when I was growing up I knew good people who went to high-end pawnshops to get emergency loans on diamond jewelry and sets of sterling silver flatware.  Today's pawn shops offer loans on cars, fine art, and fine collectibles.

There are some advantages for pawn shop loans.  First, they are very fast.  There is no application process, there is no credit check, there is no background check -- all you do is present the property (collateral) and agree to a loan amount and payment terms.  Payment terms including interest rates are governed by law and there is no hiding the fact that they are expensive.  This is why pawn shop loans should be considered as emergency, short term loans.

Pawn shops don't care if you are behind in your credit card or mortgage payments.  As long as your collateral (jewelry, watches, silverware) is worth more than the loan amount you will get your loan.

If you do not repay your loan and redeem your property it will be sold so the pawn shop can recover the money it lent to you.  So you must acknowledge the fact that the loan must be repaid.  If you don't think you will be able to repay the loan you might be better off selling the item upfront instead of pawning it.

You should check the reputation of the pawn shop before handing over the property.  Find out if they are licensed and insured, and how your property will be stored for safekeeping.  Be especially sure that you know the terms of your loan, when the payment is due, and how to make the payment.  And look around the pawn shop before you agree to the loan -- and ask yourself if you want to do business with this company?  You also might want to "shop around" for special interest rates and loan deals among other pawn shops.  The pawn shop business is competitive and for larger loans interest rates and terms are negotiable.

AT THE WORLD HARVEST FOOD BANK THERE ARE NO QUESTIONS ASKED

Update July 7, 2011  I was very impressed by the World Harvest Food Bank in downtown Los Angeles.  They don't ask any questions.  They don't want to know your income level, or if you are a citizen, or how long you've been out of work or even if you have a job but are having trouble with your bills.  They are there to provide wholesome food and all they ask is that you give them a $25 (twenty-five dollars) donation -- or if you can't afford that then just donate four hours of your time.  And what you get for your donation of $25 or four hours is a large shopping cart filled wih fresh foods including fruits and vegetables and staples, plus you get another large box of fresh produce and staples such as cereals, tea, rice, soft drink plus you get another large box with as much fresh fruit or fresh vegetables as you can eat.  Your shopping cart can also be filled with fresh meats, packaged foods, loaves of bread products with the famous brands, even bottled soft drinks and juices.

Most of the food is donated by major food wholesalers and major supermarket chains.  For example, while supermarkets are likely to be selling green and yellow bananas in their stores -- the yellow bananas are donated to the World Harvest Food Bank.

Sometimes the shoppers at the World Harvest Food Bank are driving a Mercedes or sometimes a beat up family car that has gone through three families.  It doesn't matter -- no questions are asked.

The World Harvest Food Bank is at 1014 West Venice Boulevard in downtown Los Angeles, and this is near Figueroa and the Los Angeles Convention Center.  Call them at (213) 746-2227 or go to www.WorldHarvestFoodBank.org for information.   You'll find a very clean and friendly place to shop and you'll be amazed at the amount of quality foods waiting to go home with you.  The World Harvest Food Bank is a non-profit.  Our TV report is below.

TITLELOANSORANGECOUNTY.COM FOR CAR LOANS, PERSONAL SIGNATURE LOANS

The website www.TitleLoansOrangeCounty.com will introduce you to a company that offers title loans on cars.  A title loan on a car is available if you own the car and you are not making any loan payments on it.  This company will give you a loan based on the value of the car.  You've heard of these types of companies but TitleLoansOrangeCounty.com is different because of its fast service and offer to provide the lowest interest rates.  In fact, you can drive your car in and get a loan in as little as thirty minutes.  Signature loans, which are personal loans, are also available.  And this company says that because this type of loan business is now more competitive than ever before, interest rates have been dropping.

PAYDAYLOANSHUNTINGTONBEACH.COM OFFERS COMPETITIVE RATES

The PayDay loan industry has been attacked because of its high interest rates on short term loans.  But www.PayDayLoansHuntingtonBeach.com has lowered the costs of these loans to beat the competition and to give consumers a break when they need one.  While these are not the best interest rates available for consumer loans, these loans can fill an emergency gap.  Do shop around but be sure you call PayDayLoansHuntingtonBeach.com for their best offer when you are in a bind.

Let's face reality here: if you have trouble with your mortgage you probably also have trouble making your credit card payments.  Well, take this additional step towards financial recovery -- get a pre-paid credit card.  This should be a step you should take now.  Getting a pre-paid credit card should be a step you take right now.  A pre-paid credit card makes sense and will help you fix your overall credit and budget.  And the best part is that it's not a credit card at all.  Click on the links below.

Get a fresh start with an AccountNow
                                    Prepaid Visa

Visa Prepaid Card

You've seen the TV commercials about a service that allows banks to bid for your mortgage.  Well now there is a service that will allow banks to bid on your deposits including CD deposits and high yeild savings accounts.  This is a great idea and a great service -- to have banks bid to get your savings account and your CD account.  We are pleased to provide the link below so you can get the most for your savings account and CD account.
 
It’s Free, Fast and Easy to get a great rate on your savings at MoneyAisle.com. At Moneyaisle, FDIC insured banks compete in live, on-demand auctions for consumers’ business. Over 100 FDIC insured banks, pre-screened using independent VERIBANC® ratings, bid for consumers CD and high yield savings accounts. This provides consumers with a safe and transparent platform to get great rates on their savings.  Click on the link below.

Click Here For Great Savings Rates at
                                    MoneyAisle

Here on our new media website "Moneyman" Alan Mendelson who is the original Best Deals TV show reporter and consumer advocate shows you the best deals on TV, and the best buys, bargains and where savvy shoppers go to save, and how to get the most for "your money" with the best of Los Angeles, Orange County, Ventura County, Riverside County and San Bernardino County.  Our Best Buys TV Show has the best TV deals and is the only regularly scheduled weekly best deals TV show in Southern California.  We show you the best deals on TV and more deals on www.alanbestbuys.com and www.vegasbestbuys.com and www.moredeals.com the original buy and sell, show and tell, video website.  Some of the content can come from paid advertising and from our advertiser paid TV infomercial programs.  The Best Buys TV Show is a paid infomercial program which may also include news and information which is not sponsored or paid for by advertisers.  AlanBestBuys.com has the highest ranking among competitive sites in Southern California according to the independent website ranking company Quantcast.com.

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