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  • Writer's pictureGlenda Craddock

5 Reasons to Use Bad Credit Loans from Hilltop Pawn

Bad credit loans from Hilltop Pawn are an excellent option for those who have been turned down for credit cards, loans from credit unions, or other borrowing options because of a low credit score. Regardless of your bad credit score, you can take out a loan from us....and it's all very easy. Plus, you can use your loan for pretty much anything. These are just some of the reasons to consider coming to us for a loan offer on one of our bad credit loans.


1. Bad Credit Loans Pay for Home Repairs

Owning your own home is a wonderful thing, but of course, there are downsides. One downside of being a homeowner is the fact that you're the one who has to handle the problem when something goes wrong...there's no landlord to call for help! Sometimes, things like HVAC breakdowns or plumbing issues pop up at the worst possible time. Of course, these things never happen on payday...they always happen when you're a little short on cash. Luckily, you can use the bad credit loans from pawn shops like Hilltop Pawn & Jewelry to pay for unexpected home repairs and other expenses related to your home.


2. Our Bad Credit Loans Beat Cash Advance Apps for Vacation Cash

You might have heard that there are cash advance apps that you can use to borrow money. These might seem easy enough, but there are a lot of downsides. Many require you to have regular direct deposits into a bank account...this shows that you have a steady income, of course, which makes sense. However, if your paychecks are sporadic, if you haven't had your job very long, or if you don't have a bank account, these apps might not work for you. There are also plenty of legitimate cash advance apps out here, but there are also scams that you have to watch out for, too. Plus, even in the best of cases, you may not get the loan funds until the next business day. Skip the application process, bank account verification, soft credit check, and other hassles that sometimes go along with these loans. Instead of using a cash advance app, why not visit a trusted local business for one of our short-term loans, regardless of your FICO credit score?! Hilltop Pawn is here to help you with a loan when you need it the most, regardless of your less-than-perfect credit or overall financial health.


Assorted US currency bills laid on a table

3. Our Bad Credit Loans Beat Banks That Give Personal Loans With Bad Credit

Yes, there are banks out there that give personal loans with bad credit. Working with one of these banks might seem pretty appealing, which only makes sense. However, be aware that even banks that offer the best bad credit loans do sometimes have minimum credit score requirements. Maybe their requirements aren't quite as strict as most banks, but this doesn't mean they don't check your credit and overall financial situation before approving you for one of their loan options. There might be more eligibility requirements overall in order for you to get a loan approval. Plus, loan amount may be based on your credit rating and income, so you may not be able to borrow as much as you're hoping for. Lastly, banks will typically report to the credit bureaus if you are late on monthly payments or default on your loan, so this could make it that much harder for you to rebuild your low score.


4. We're One of the Most Reputable Loan Places Near Me for Bad Credit Loans

If you've decided it's a good idea to apply for a loan to help you through a tough time, now, you might be wondering...what are the most reputable loan places near me? Are there even any loan places near me in Virginia Beach? These are common questions, especially among those who don't take out loans very often. If you're looking for the best personal loans in Virginia Beach, we invite you to visit Hilltop Pawn...we work with everyone from those with a good credit score to those with lower credit score. We make loans for all different reasons, and you can use your loan proceeds for whatever you need or want to use them for. Plus, we offer great customer service, and we have a strong reputation as an emergency loan company in Virginia Beach. Visit us today for no credit check loans that will work for you!


5. Our Bad Credit Loans are Bigger & More Affordable Than Small Payday Loans Online No Credit Check

You might be able to get small payday loans online no credit check. This doesn't mean this is the route you should take. There are a lot of shady websites out there that seem like legitimate online personal loan lenders, but you may be putting your personal information at risk by sharing with one of these companies. Additionally, you can generally only borrow a certain amount based on your income, which might not cover your needs. Lastly, interest rates and fees are often astronomical with these loans. Why not take out a bigger and more affordable loan at a local business that you can count on, Hilltop Pawn & Jewelry?


There's no reason to keep looking for a financial institution that does not care about your credit history. There's also no reason to take out the small loans while paying higher interest rates for a predatory loan from a title lender, payday lender, or other similar company. We have a lot more information about our loans here on our website for educational purposes, but all you really need to know is this...we don't care about thin credit histories or minimum score...we don't even check! Proof of income, debt-to-income ratio, and other things that lenders typically look at...we don't. Even the online lenders don't make it this easy to borrow money. Once you've tried these types of loans once, we think you'll come to a pawn shop each and every time you need to borrow some cash!



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