Are you behind on your credit card payments? Tired of being charged late fees, over limit fees and other hidden costs associated with credit card debts? Need to borrow cash to pay a pending bill? You might consider getting  personal loans from ThinkCash who have ordered this sponsored review.

ThinkCash offers installment loans but unlike a traditional bank loan, no paperwork is required, the approval process is almost instant and the rates are typically 25-75% lower than payday loans. You can get anywhere from $250-$2500 the next business day.

Short-term personal loans can be used for anything from paying higher interest credit cards to using it for holiday shopping. What you do with the loan is up to you. A credit approval is required and loans are offered by First Bank of Delaware (member FDIC).

You can get a loan in 3 easy steps:

1. Complete the online application
2. Get your answer in seconds
3. Schedule payments online anytime with no penalty

Unlike a payday advance which forces you to pay the full amount plus the interest from your next paycheck, ThinkCash allows you to choose your schedule and amount in bi-weekly payments for the life of the loan. Most payments are structured so that you don’t pay more than $100 per payment.

There are some other benefits of ThinkCash as well. With a referral program you can earn $25 for each customer you refer.  Just let a friend know about their low rates and great service. Then, when they get their first ThinkCash loan, $25 is deposited directly into your checking account.

Trying to break the cycle of debt can be difficult. To help you understand how to get out of that cycle are 12 Steps Out of Debt which you can find on the ThinkCash site. The ideas in this 12 step list are similar to ideas other financial advisors like Suze Orman discuss in their shows and books. Following these 12 steps can help you get out of debt quicker than you think and show you how you can save thousands a year by making small changes in your lifestyle.

Unlike a credit card which allows you to carry a balance for eternity, ThinkCash is for temporarily borrowing a small amount of money, knowing you can either pay it in full by the next payday or that you can pay a set amount you are comfortable with that isn’t going to break your bank and be paid off in a reasonable amount of time. A $1000 loan at $1 a day in interest will cost you $150 in interest and be paid off in 5 months at $200 a month ($100 bi-weekly payments). So if you need to pay for a bill you know is coming and you just don’t have enough in your account, consider a loan from ThinkCash.com

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