What is a payday advance?
Payday advances are a quick & easy short term loan for people needing money if they are unable to wait until their next payday.
I have bad credit, no credit, or filed bankruptcy, can I still apply?
Yes! We know many individuals may suffer from credit problems, but we understand that the past is the past. Many of our current customers have filed bankruptcy before, and we will always try and do our best to get you approved.
How much will a payday advance cost me?
Costs may vary depending on the state. Call one of our Southern California branches nearest you for details.
Is my payday advance confidential?
Can I get more than one payday advance at a time?
We can only issue one payday advance at a time, but just as soon as we get confirmation that your account has been paid in full, you may request another loan!
How do I pay off my payday advance?
Just "pick up" your check on your due date. Pay us cash or money order for the full amount of the check, and your account is paid.
If you're unable to pick up your check on the due date, we'll simply deposit your check for you. Once we have confirmation that your check has cleared our bank account, you can request another payday advance anytime you like.
You're speeding down the road, on your way to your next destination. Suddenly, your engine makes a loud noise and turns off. Your car sputters to a stop, and no matter how many times you turn the key, your vehicle refuses to come back to life.
For many car owners, a scenario like the one above is one they dread. And for car owners on a tight budget, a breakdown can carry even more stress. They begin worrying about expensive car repairs that they may not have cash to pay for. Take a closer look at why cars cost so much to fix and what you can do to avoid the situation described above.
Engine Breakdown: Examining the Cost of Car Repairs
You're speeding down the road, on your way to your next destination. Suddenly, your engine makes a loud noise and turns off. Your car sputters to a stop, and no matter how many times you turn the key, your vehicle refuses to come back to life. For many car owners, a scenario like the one above is one they dread. And for car owners on a tight budget, a breakdown can carry even more stress. They begin worrying about expensive car repairs that they may not have cash to pay for. Take a closer look at why cars cost so much to fix and what you can do to avoid the situation described above.
Why Car Repairs Cost So Much
Many factors affect the high price of car repairs. The most important factors to consider are listed in this section.
You Pay for Both Parts and Labor
Most car repairs require you to pay for a replacement part. To have that part put in, you typically have to pay a mechanic for his or her work time. These dual expenses make car repairs pricier from the get-go.
Many auto repair shops mark up the price of replacement parts. For example, if they paid $100 for the part from their supplier, they might charge you $130, a 30 percent markup. However, that markup typically also guarantees that you get a high-quality part that comes with a warranty.
With regards to labor, many mechanics have an hourly rate for their labor, usually somewhere around $100, but it can be higher or lower. They then charge you that rate for the book time, or the time takes a typical mechanic to complete that repair. Many shops use book time to ensure consistent pricing for similar services, even if they complete a job in less time.
Luckily, the auto repair industry is very competitive in most parts of the country, which keeps costs competitive too, even if the prices are still high when compared to your paycheck.
OEM Parts Often Cost More Than Generic Parts
OEM stands for original equipment manufacturer, and OEM parts are created by the original company that built your vehicle. OEM parts have a reputation for being more reliable than generic or aftermarket parts. If your mechanic uses only OEM parts, the replacement part may last longer-but it will probably cost you more as well.
Some Car Makes and Models Are More Expensive to Repair
The exact same repair likely varies in price from vehicle to vehicle. For example, replacing the timing belt on a Toyota Corolla may cost less than making the same repair on a Ford Mustang.
The most expensive car models to repair are generally luxury cars, high-performance cars, or trucks or SUVs used for towing heavy loads. The age of a car also affects its repair costs, with older cars being more expensive to fix because their parts can be harder to obtain.
How to Keep Car Repair Costs Down
If you want to avoid expensive car repairs as much as possible, you can take a few steps to stay out of the auto repair shop or to pay less for repairs when you can't avoid them.
Get Regular Maintenance for Your Car
Performing scheduled oil changes, tire rotations, and other maintenance tasks goes a long way in keeping your car in good shape for the road. Your car's owner's manual likely has a maintenance schedule you can follow. Keep this schedule (or a similar one) up to date so you can politely decline unnecessary repairs your mechanic suggests.
Make Simple Repairs Yourself
Although cars are complex machines, you can likely make quite a few repairs yourself with a little research and some elbow grease. You can easily replace your car's air filter or windshield wipers yourself. Employees at an auto parts store will often help you if you have basic questions about these maintenance tasks, and you can also check YouTube for an easy-to-follow instruction video.
Choose a Reliable Car With a Reputation for Inexpensive Repairs
If you're about to purchase a new car, the vehicle you select can have a huge impact on how much you'll pay for repairs. Do your research before you sign on the dotted line or hand over any cash.
Look at auto issues of publications like Consumer Reports. Narrow down your search to a few models that have high reliability ratings. Then look for a car on that list that's fewer than 10 years old and has driven fewer than 100,000 miles.
Get Quotes From Several Shops
When your car does need a repair, don't just take it to one mechanic and accept the prices they offer you. Call around to several local shops and request a quote on the repair. To ensure you get honest quotes, don't tell the service people the previous price quotes you received; they may try to offer a lower price just to get your business, only to raise the price later.
After you choose a repair shop, don't panic if you can't cover the entire cost of the repair with your savings. You can get fast cash from a payday advance to pay for the service and get your car back on the road soon.
Contact us in Los Angeles, California, to eliminate the stress in your life with our invaluable payday loans.