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How to Find a Legal Loan Shark. Looking for fast cash with no questions asked? There are
legitimate ways to get it, if you're willing to pay the consequences. You will need A credit
card with unused credit A tax refund A car A small loan company A signature loan company
and a payday loan. Step 1. If you have a low-interest credit card you haven't maxed out, consider
taking a cash advance. But check your interest rate first -- some are as high as 33%. Step
2. At tax time, you can get a "refund anticipation loan" from some tax preparers. Just realize
you'll be forfeiting about 10% of your refund check just to get the cash a couple of weeks
earlier. Step 3. Get what is known as a "car title pawn" -- if you can stomach an annual
interest rate of up to 360%. The amount you can borrow is way less than the value of your
car, but you get to keep driving it unless you miss a payment. Step 4. Borrow money from
a licensed small loan company, or head to a signature loan company, which won't require
you to put up any collateral. Both could charge you up to about 48% in annual interest. If
you're a member of the military, don't resort to high-interest lenders before finding out
if your branch of the armed services offers financial help. Step 5. Secure a "payday loan"
— a cash advance against your paycheck. But check your local law at "www.paydayloaninfo.org":http://
before you do; some states limit the amount of interest that these lenders can charge,
while others don't — which explains why the average annual interest rate on these
loans is a whopping 460%. Did you know Seventy percent of Americans live paycheck to paycheck,
making them vulnerable to predatory lenders.