Fast cash loans are of two types, secured fast cash loans and unsecured fast cash loans. Fast cash loans provide monetary support for various purposes depending on the borrower. There are different categories of fast cash loans. These comprise of fast homeowner loans, fast business loans and fast personal loans. These fast cash loans are an easy solution for most monetary problems one might face. They are easily available in the financial market. These fast cash loans are provided by various agencies including banks, private lenders, financial institutions and online lenders.

In order to avail fast secured cash loans, the borrower needs to place collateral. The loan amount depends on the collateral in question. The value of the collateral is assessed and on that basis the rate of interest along with the loan amount is determined. Secured fast cash loans are available at a lower interest rate. In most cases the collateral is ones own house. In contrast, unsecured fast cash loans do not require collateral. However, the rate of interest is much higher. If a comparison is drawn between secured and unsecured loans, unsecured fast cash loans turn out to be more expensive as there is a greater risk to the lender’s investment. Fast cash loans are called so because they are approved almost instantly and the borrower is free to utilize the money as and when they desire. The loan is approved of in well under 24 hours. Applying online is the fastest of getting a fast cash loan. One must however make sure that the details filled up in the form are accurate so as to avoid unnecessary delays. It also becomes easy to compare various factors such as interest rates online. One must also ensure that there is a plan of repayment available. This enables the lender to judge your repayment capacity and hence loan approval becomes a lot easier. This is especially true in case of an unsecured fast cash loan. In case of a secured fast cash loan, the equity of the property determines such factors. Bad credit is not much of a problem with regard to fast cash loans. There are many agencies that provide fast cash loans to people with bad credit especially those who have a method of repayment at hand.

If you are having bad credit histories with unemployment then apply for Fast Cash Loans for Unemployed with Very Bad Credit. Fast Cash Loans for Unemployed with Very Bad Credit is the source of hassle free cash. But now lenders have an option for the borrowers who are unemployed from last few months. These expenditures amount to a small sum when seen as a whole, but become important for the reason that they cannot be shelved for long. Unemployed people can come out of the situation through the use of Fast Cash Loans for Unemployed with Very Bad Credit. Fast Cash Loans for Unemployed with Very Bad Credit are like the payday loans lent to the employed people. In fact, Fast Cash Loans for Unemployed with Very Bad Credit takes much from payday loans. The structure as well as the process of Fast Cash Loans for Unemployed with Very Bad Credit is similar to the payday loans. The only difference however is in deciding candidature. Payday loans would have never lent to an unemployed person, but fast loans for unemployed do. As soon as an unemployed borrower shows his desire to use Fast Cash Loans for Unemployed with Very Bad Credit, the lenders tell that they must be prepared to pay a high rate of interest. The hike in interest rate is attributed to the high degree of risk in lending to the unemployed. It must be understood at this stage that the unemployed borrowers are considered with bad credit. With no stable income in hand, they are thought incapable of supporting fixed payments on a loan. Fast Cash Loans for Unemployed with Very Bad Credit are expensive because of the relatively shorter term that they need to be repaid in. All short term loans charge a high rate of interest. However, unemployed people can find the lenders charging reasonable rate just as they find lenders who deal with the unemployed people. Most such lenders who do offer reasonable rates of interest or can be brought to a reasonable rate of interest have it mentioned on their website. All such lenders must be contacted. Since, it will not be easy to contact each lender personally, it will be beneficial if the lenders are first requested to present a list of the terms on which Fast Cash Loans for Unemployed with Very Bad Credit will be lent. Through a loan quote, borrowers can get a peek into the actual loan terms of a large number of loan providers. Unlike loan calculator which may not have updated entries for the loan rates, loan quote always gives the terms as they are.

Today I found money in my account that I don’t remember authorizing for. I can’t find “fast cash/paydaytwo” loans ANYWHERE…….PLEASE HELP!!!!!

I need a loan quick! Does anyone know of any payday loans that are gauranteed?

I’m in a pinch and I know that my tax return money will easily cover this tough time. How much do preparers usually charge for this type of advance? What if the estimated return is incorrect? Than!ks

To acquire money for their needs, people take up ways for which they may repent later. Urgent situations force people to take up even undue options. For small cash needs that occur for them, they can take up fast payday cash loans which do not even require any collateral to be pledged with the lender for the money.

For the borrowers who are regularly employed since the last 6 months, have a regular employment since the last 3months, are adult nationals of the USA and have a current bank account which is at least 6 months old, these loans are readily available to them for their needs easily. The money is available to them without the need of pledging in any collateral. The money is transferred to the account of the borrower in less than 24 hours after application.

The borrowers can use the money borrowed for any personal needs that they have like medical expenses, urgent car or home expenses, gas bills, grocer bills, credit card repayments, etc. For these needs, the borrower can take up an amount in the range of $100-$1500 from the lenders through these loans.

The borrowers require repaying these loans in a term of 14-31 days. The due amount is automatically deducted from the account of the borrowers on the next salary day that arrives for them. The loan term can be extended or repayment can be made through installments.

Those people who are suffering from a bad credit history can also take up these loans. The rates are higher for such borrowers but they can get lower rate deals too by researching through the online mode. The deals offered can be compared by the borrowers so that they can choose the best deals for themselves.

With fast payday cash loans, it is very easy for the borrowers to get money for their needs much ahead of their payday. They will not need to make any more compromises with their life.

£500 pounds to be exact, who would be kind enough to make a donation, i accept paypall, a pound each from 500 people isn`t to much to ask, many thanks in advance
thanks to you all for your circastic and racist remarks! i am in a bit of trouble and have no family to help
and i do have a job!!

Have you been in a situation where there was an emergency or an event that you didn’t want to pass up but you didn’t have enough money to pay for it? There are some cases where a payday loan can be the answer to your problems. Here are some situations where a fast payday loan just might help you.
Unexpected Visits to the Doctor
A fact of life is that children get sick, especially school aged children. Doctor’s visits usually cost money, whether it be for a office co-pay, lab fees, or the cost of prescriptions. When a family member is sick, you may not want to wait to seek medical care if they are either in pain or if they’re feeling extremely ill. And there are also a variety of illnesses that insurance companies simply don’t cover. When you don’t have enough money in your pocket to cover your urgent medical costs a fast payday loan can become a viable short term solution.
When You Have Trouble with Your Car
When you work extra hours to get some extra cash beware - it’s almost like your car knows this! Cars have a tendency to break down during these times. Payday loans are great for those times when your car needs urgent repairs, such as new tires, new brakes, or some type of engine repair. It’s always best to stay up-to-date on your car’s regular maintenance, but most people have run into an emergent car situation now and then. If you find yourself strapped with an urgent car repair and you don’t have the cash to cover the costs to get you back on the road, a fast payday loan could be the answer.
A Once in a Lifetime Event
A good time to get a payday loan is when there is an event you just can’t miss… but you don’t quite have enough funds to cover the costs. Maybe you have a ten year class reunion and you need a little extra money to get your hair done.  Or perhaps a friend surprised you by coming to visit from another country and you won’t have the money to do the things you want to do until your next pay date. A fast payday loan can really come in handy!
Something in Your Home Needs to be Repair or Replaced
Homeowners often find themselves presented with circumstances that require fast cash. Perhaps your refrigerator goes on the fritz. Or your furnace goes out in the winter time. Or maybe even a serious plumbing problem has you standing in water! Conditions such as these can rarely wait for you to get your next paycheck, but getting a fast payday loan can allow you take care of matters when you need to.
Traveling on the Road
If there’s ever an emergency with a friend or family member who is far away and you need to get to them, payday loans can be accessible to you for quick cash. Unfortunate events such as the death of a loved one can also require that you travel outside of your city or state to attend a funeral.  Its times like these that coming up a few hundred dollars short for a plane ticket or a hotel room can add unnecessary stress to an already difficult situation.  A fast payday loan can allow you to focus on what really matters in times like these.
When deciding whether you should get a payday loan, it’s a good idea to determine if the circumstances warrant the cost. Here is one question you can ask yourself, “Will this payday loan help me with an urgent situation and can I afford it later?” If you’ve got an emergency and you’re simply short on funds that will be on hand in a couple of weeks, a fast payday loan can be the short term financial solution that you’re looking for. If you’re looking to get a payday loan to cover a cost that is frivolous or unnecessary or if you’re already behind in your current financial situation, getting a payday loan is probably not a good decision.

If you need cash immediately, fast payday loans will do a good business for you. With the help, you can cover the cost of your unexpected ends expediently. These loans are short-term loans that help you when you are hit by a sudden financial bind. These days, working Brits are more susceptible to the effect. They are normally who are educators, nursing home administrators, health care providers, corrections officers, retired military, construction workers, factory workers, and everything in between. You would be surprised who uses payday loans, if you have not, your neighbor probably has.
Later with, a denomination that ranges an amount from £200 to £1,200 can be obtained usually. You can request to your lender for more too. The borrowed amount is later repaid in an agreed time. Repayment term of payday loans is stipulated just around your next pay day only. To this, a two week’s time is granted. However, in some cases, your repayment tenure can be extended further for one months too on your formal request to you creditor.
For all that, you need to be well informed about the eligibility criteria for fast payday loans before you make the actual deal. The creditors usually have easy standards. If you are 18-year-old citizen of the UK with regular source of income and a current bank account, there will be no problem in availing payday loans. You can apply for these loans online as well as offline as per your convenience. No credit report is required to be submitted. And further, a concession of no collateral given to the loans has made them modes of attraction. Only you need to issue a next pay cheque that contains the loan amount which to be repaid on your next pay day.
If you do not have enough money to cover the cost of your unexpected expense, fast payday loans are there for you. With instant cash browser, you can get cash in no time.

Log on to www.2HourFastCash.com or call (866)641-3460 today! Don’t miss out on the opportunity to obtain a fast payday loan when you need it most.Ask you lender as times may vary. www.2HourFastCash.com

What would you do when you are in need of cash urgently for an

unavoidable expense, in the mid of a month?Asking a friend is a good idea, but you have chances of spoiling your relationship.But, now you do not have to worry, because the fast cash advance loans are there for your help.

Characteristic features of the loan

Fast cash advance payday loans are financial tools which are there to help you in need of urgent monetary help. hese are short term loans with the repayment term of about a couple of weeks. The repayment date usually collides with the next payday of the borrower. The interest rates are slightly higher than the conventional loans. he lenders providing the fast cash advance payday loans do not perform any credit check nor do they ask for any kind of security. All the details which you provide are secured confidentially. Therefore, these loans are completely risk free.

How to avail the loan

Fast cash advance payday loans can be availed using a simple application process. There are two methods of application-fax and no fax. The first method requires you to fax your details like picture ID, pay slips and bank records. Your application is verified after this.

Instead, you can opt for the easier and quicker online or no fax method. Here, all you need to do is to fill an online application and provide your basic details like name, address, contact number, employer’s details, driver license details and bank ID number. Once these details are provided, they are verified electronically using a database and the loan is approved instantly. The cash is usually credited to your bank account within a working day.

Advantages

• Simple transaction process

• Quick approval

• No credit check

• No need to place any collateral

Online payday loans provide an easy way to barrow money without the embarrassing situation of been seen by every body around the loan store. Another great advantage is that all paper works and forms are just fill once at the beginning of the process. Some payday loans lenders process the application the same day while others can take up to a week. One good advice is to submit your application not the day that you need the money, but at least three days before.
Submitting an application online for payday loans does not mean that you are getting a payday loan. After your payday loan application has been submitted and approved then you will be able to login to the website and submit a request for a payday loans. If you cannot pay your payday loans, most lenders provide extensions allowing you another 15 day in order to pay the full amount. You can usually request up to 3 extensions. Every extension will cost you from $25 or $50 depending on the lender and depending on the amount that you owe.
Some online payday loans lenders offers no credit check payday loans while others will check your credit history to see if you qualify for a payday loan. The no credit check payday loans policy does not mean that they will not check your reference information. They usually verify all reference information by contacting those families and friends that you used as referral and they will also verify employer information by asking you to provide the last three of your pay slips. Make sure you also have on hand some utility bill receipts because you might need them as prove to verify your address.

Are you bothered how to grab cash amidst the month? Certain occult ends and expenses create confusions. People who are not prepared financially face such challenges the most. If you are one among them then opt for Fast Payday Loan Approvals. This loan scheme with its easy going objectives and flexible features are meant to prop persons when they experience financial crunch. The cash offered can be accessed by meeting criteria of eligibility. And the eligibility principles are as follows: applicants should have completed the age of 18 years or above; applicants should be appointed as a regular employee; applicants should hold a valid and active bank account. These principles let you access cash of £100 up to £1,200 with repayment term of 30 days.

If you are a reliable credit holder then it might facilitate you to apply and approve more cash. As no credit checks are followed so applications are not disqualified on grounds of bad credit. Bad credit holders are also relieved by this loan.

The repayment term of this loan can be waived. Yes, if you experience any inconvenience within the repaying term then you can extend the due date. Borrowers can extend the date of payment in accordance to their suitability. This rider can be subscribed against a fee.

Rate of interest of this instant cash loans are slightly higher. But if you differentiate the miscellaneous offers proffered by various lenders then you can easily spot reasonable rate of interest. This exercise should be done with the assistance of online. Online abates the lengthy documentation work.

The cash help employees to overcome unexpected demands like medical bills, electricity bills, trip expense, credit card bills, car bills, grocery bills etc. in an easy manner.

Thus, fast payday loan approval has spreading smiles for few decades. If you have any queries visit lenders office personally or dial the customer care executive number.

During an emergency when cash is required urgently, fast cash payday loan is a big help. In situations where there is a sudden monetary need like for paying medical bills or car repair etc., you can opt for these short-term loans. Fast cash advances are small amount loans ranging from $100 to $1500. These loans are given for a period of maximum 30 days. The interest rate is quite high, normally $10 to $30 is charged for every $100.

Applying For A Fast Cash Advance Payday Loan - What You Need To Have?

Applying for a cash advance payday loan is very easy. To be eligible:

You need to be over 18 years of age.
You need to have a secure job. The loan amount will depend on your paycheck. The higher your salary the more cash advance you can get.
You need to have a valid bank account.

You are eligible for a loan if you fulfill the above-mentioned criteria.

Fast Cash Advance Loan Online

The use of internet has made the payday loan process faster and easier. Now with just a simple click of your mouse, you can have the required amount of money in your account. There are various loan providing companies online. You need to do a thorough research to check for genuine loan providers. Some fake sites can misguide and cheat you if you are not careful. The boom in the online payday loan industry has ensured that these companies offer competitive interest rates to their customers. So choose the company that gives you the lowest rates. Once you have finalized the lender, you need to fill up an online loan application. The cash will be in your account within 24 hours once your loan application is approved.

You also need to give a post- dated check against the loan amount. The check will be dated for the day that you will get your next salary. The loan amount and the interest will be deducted from your account on your salary day. In case if you wish to extend your repayment date, you can do so by paying an additional fee.

Money via instant cash advance payday loan is a boon for those who cannot get loans elsewhere. There is no credit check involved so even if you have a bad credit history, you can apply for the loan.

Getting cash through fast cash advance payday loan is an easy process. The basic eligibility criteria make it easy for anyone to apply. These small amount loans have a very high interest rate so borrow only the amount that you really need. Make it a point to return the loan on the due date to avoid any additional charges.

i need a payday or personal loan without having a banking account and i need it fast

When searching for an instant monetary help, make sure that the lenders provides it without many queries and the loan comes quickly in your hands for timely use. Fast cash advance loans online are one such loans. The lenders take no time, usually, for approving your application. The loan amount is wired in your checking account within 24 hours, enabling you to meet urgent expense the same day.

Online lenders give these loans on their very simple application that you can find along side their website. You should fill details like loan amount, repayment duration, monthly salary, employment details, home address etc and the application is instantly with the lender for its fast processing. The lenders approve the cash advance just on verifying your employment details and monthly salary you draw, often by making a phone call to your office.

Fast Cash Advance Loans online, thus, has the advantage of fast processing and approval of the loan application as against greater time taken if you make personal visits to a lender. But that is not the sole advantage.

Online lenders can be extensively searched for a cash advance, which is less costly for the borrowers. Usually these cash advances are of high costs as the lenders charge very high fee. The high fees are because these loans are approved for very short period of two weeks only against your next paycheqe. The loan amount ranges from $100 to $1500, which you can repay through next paycheqe. The advantage is that you can find an online lender, who charges comparatively lower fee.

Also note that bad credit history people, with few or multiple credit problems like late payments, defaults, arrears etc, can find fast cash advance loans online without any credit checks. Thus on repaying the loan in time, credit score of these people goes up substantially in short period.

When your need for money becomes essential and urgent you can rely on the fast cash loans for assured and trusted help. These loans are designed to be unbelievably quick only for the purposes of serving those people who need money immediately.

Fast cash loans are free from any kind of credit check. This facility has benefited the borrowers in two ways. One is that the borrower will now do not have to worry about his credit record and can approach the fast cash loans with any credit status. Any credit history whether it is bad or good or includes records like CCJs, bankruptcy, arrears, defaults or late payment is allowed for this. Secondly, the absence of credit check has made these loans to be fast and swift in its approval procedure. Moreover, there is no lengthy paperwork too. You will therefore, get these loans approved on the same day of applying.

Fast cash loans offer an amount ranging from £100 to £1500 for 14 to 31 days. This amount is not at all a small but quite sufficient one for handling several types of monetary problems. One can pay his medical bills, electricity bills, child’s examination fee, home installment or can repair his house or car through the amount offered by the fast cash loans. The repayment option is designed keeping in mind the paying capacity of the borrowers. If you are a salaried person then obviously you would be able to repay as soon as receive your pay. Therefore, these are designed to be adjustable with your payday where money will automatically be transferred from your account to the lender.

Fast cash loans in a way have the capacity to provide aid and relief to each and every borrower. When salary gets finished by the mid of the month, then the salaried people can find comfort with the money provided by these loans.

With rising costs and increasing expenses, individuals have no other options other than relying on loans. One of the most frequently sought after loan plans is Easy fast payday loans Georgia. These loans perfectly fit in to situations where in you need access to a quick and reliable finance. The amount under these loans is sufficient enough to take care of all your sudden or emergency needs. The primary motive behind availing these loans is to help you arrange the much needed cash within a short span of time. Basically it covers the cash gap which occurs while meeting the urgent needs and your payday is still far away. To avail these loans, there is no need to pledge any collateral. In fact the amount is made available for a short term period. With the assistance of these loans, you can easily meet expenses on needs which cannot be avoided such as paying medical bills, electricity and water bills, urgent house and car repair etc. Under the provision of the loans, you will be able to acquire amount in the range of $100-$1500. This loan amount has to be repaid over a period of 14 to 31 days. Ensure to repay the loan amount within the specified time period, other wise your credit score may get affected. If you are able to repay the borrowed amount on time, you will be able to improve the credit ratings. Borrowers with adverse credit can also avail these loans, as lenders sanction the amount without any credit check.To qualify for the loans, you have to fulfill certain prerequisites laid down by the lender. You must be employed for the past few months with a fixed monthly income not les than $1000. Your age should be above 18 years. You should also have a valid bank account for the transaction to take place. By applying online, you will be able to access these loans without any documentation or lengthy paper work. Online lenders also offer these loans at cheaper rates which help you to repay the amount without facing too many hurdles. Individuals with adverse credit can also apply for these loans. Thus it can be assumed that with easy fast payday loans, financial crunches can be tackled in a convenient and affordable manner.

You require instant cash when any tentative expense befalls on you. For such unprecedented financial crisis you can never be prepared. And if it occurs, you have to seek for an instant monetary aid. Say for instance medical bills, electricity bills, school fees, credit card bills, grocery bills, car bills and such erupt all of a sudden. But eventually to settle and make payments you can now easily borrow cash and without any documentation and fax with the help of payday cash advance.

For this short-term cash carrying, you are required to do some basics. These are essential in terms of your repayment verification. These are under as:

• You must be citizen of the USA

• You should be 18 or above

• You fill out an application and provide the lender with items such as paycheck stubs and a photo ID.

• You sign a loan agreement, write a postdated check to the lender, and receive your money.

• Your check is held until your loan payment is due - usually two weeks. The lender then deposits your check - unless you have replaced the check or have already repaid the loan.

After, your lender deposits the sum you required direct into your bank account. Generally, this sum varies somewhere from $200 to $1,500. You invest the sum as per your needs. You avail benefits of these loans for two weeks as these are short-term in nature. However, if you are unable to make your repayment in time, you need not worry about. Do one thing that you do intimate your creditor immediately for an extension in repayment period. Seeing your financial condition, you lender will extend your repayment term further for one month.

For all that, you need to choose lender for your borrowing business. You can shop locally by checking your phone book if you prefer to do your business with a local lender, but there are many payday lenders operating online. By using an online vendor, you make it possible to shop around for the best terms and for the type of payday loan that suits you best, without being limited by geographic location. How fast will I have a fast cash payday loan? You can apply online for a fast cash payday loan to meet emergency needs for cash, and generally have the cash in your hand within hours.

Where can I get a fast payday loan other than?

http://yulva.com/4display815436816213321351.htm

Please let me know.

where can I get a fast payday loan if I live in South Africa? I need R2000 instantly. Please can anybody help me of refer me to someone who could?

2 weeks ago, i was short of money, then I borrowed $1000 from fast cash company and promised to pay back. Then, I closed my bank and my intention was to get away with this money. They keep calllig me at my work place and my cell phone but I disconnected. What will happen to me if i dont pay them? would i go to jail for this?

Are you a salaried employee, requiring an urgent loan? Well, do not waste time in knocking at the doors of relatives and friends. You have a better option as you can apply for fast cash loans that are meant specifically for fast approval. Fast cash loans are instant loans which are usually approved within an hour of receiving the loan application. The loan amount therefore is electronically transferred in the borrower’s bank account the same day for its timely utilization.

Fast Cash Loans are also known by its more popular name of payday loans. You can avail anywhere between ₤100 to ₤1500 as fast cash loan depending on your monthly salary. You are required to make an online application for the loan giving details like loan amount, its purpose and home address, monthly salary, phone number etc and the loan gets approved instantly.

Fast cash loans are approved for two weeks only. You have the option of extending the loan for a month or so on paying the lender’s fees. You should note that fast cash loans are unsecured loans that are approved without collateral and so risks for the lenders are higher. Hence fast cash loans carry very high fees of the lenders. The fee is often so high that it translates into many times higher interest rate than on any other loan. So make sure that you opt for fast cash loans only to meet urgency. At the same time a fast cash loan at competitive lower fee is possible to avail on extensively comparing the lenders.

Those salaried people who are tagged as bad credit because of past loan repayment mistakes, are also approved fast cash loans without any credit checks and the approval comes instantly too. Compare fast cash loans for a suitable loan offer.

Payday cash loans and cash advance loans are available and especially useful in a variety of situations today. Payday loans may be helpful when you’re having temporary cash flow problems or are facing a financial emergency and need money for a short term. Today there are many companies offering to make payday loans, check loans, or payroll advance loans.

Once you’ve been systematically approved for a payday cash advance, they’ll electronically deposit the money directly into your checking or savings account. The reason why payday cash loans are so popular today is because they allow you to get your money quickly and with a minimum of fuss. If you’re looking for a quick loan there are a few things you will want to know or consider.

A payday cash advance is just very quick and easy. With a payday cash loan, there is no need for you to rummage around for change that you might have overlooked. If you find yourself in need of just enough money to take you to the next paycheck it can be the perfect loan option.

A poor credit score will never stand in the way of guaranteed payday loans. With these cash advance loans, there is no credit check. People who are unemployed, but receive do social security payments or other steady income also can apply for online payday loans.

The rate on a payday loan may be as much as 500% per year or more. They are not meant to become a source of income but rather a way to help you keep up when an unforeseen problem arises. You can save yourself a lot of time by applying online.
When you have more than one of these loans outstanding, you may find it very difficult to pay the required finance charge payments, much less paying all or a portion of the amount financed when the loan comes due. These cash loans or cash advances can help you pay your mortgage, auto loan, or any number of other bills that you just can’t handle because of unseen expenses. These new online loans work just like the traditional payday advance loan.

Most providers will deposit your loan amount into your checking account via direct deposit. If you already have one payday cash loan outstanding, you should avoid taking out another one. Additionally if you apply online, you don’t need to feel the embarrassment that some people do when they apply for a quick payday loan at a local lender.

A payday loan is the most suitable and reliable way to get fast cash to meet your financial needs. Once your application is approved the company we’ll instantly deposit the loan amount directly into your account. All you need to do is fill out a simple loan form online.

Payday loans or cash advances are lifesavers for short-term, small cash problems. It’s a good solution for anyone who needs a fast, easy and confidential way of getting emergency cash. Make sure to do business only with lenders who have good reputations.

okay long story short, charges are being pressed on me falsly for trying to help a friend move out and now I have to come up with $3600 by tuesday or I get charges pressed to me…I need to know where I can apply for a loan online that will give me $3600 or an even $4000…please help me. I have a 7 month old son and i don’t want to lose him to this stupid crap…