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You might as well consider the aid of short term financing if you’re looking for immediate cash and don’t have ideal credit scores to apply for a traditional loan. However, there’s no need to think that short term financing is your only rescue just because you don’t have decent credit scores to back your credentials as a borrower. Browsing through the list presented below will help you considerably to sail through temporary financial troubles with ease without having to shell out exorbitant rates of interest.

The reason why alternatives to short term financing are suggested is definitely because of the high rate of interest that it entails which further involves chances of a borrower being caught in a viscous debt trap. The existence of bogus lenders is another factor that has plagued the practice of payday lending in serious measures. Here is a list of safer alternatives to short term financing that can even be availed with less than decent credit scores:

Friends or Family:

Your family members or else your friends might the be the first persons that you may turn to for help when you find yourself embroiled in a financial issue. Please don’t hesitate to ask for help from your own folks as there’s really no shame in it. You can jolly well enter into a loan agreement whereby the loan amount, rate of interest, loan tenure everything is mentioned. If there’s a collateral involved, even that should be stated. You can refer to promissory notes from different websites.

Peer to Peer Loan

Peer to peer lending entails borrowing from individuals through online platforms. You as a borrower can update your loan listing stating the loan amount you need and why you need it. Investors who lend these loans, review the list and choose borrowers as per their criteria. You credit scores may well be included in their criteria but you might find that an individual is more considerate than a traditional lending institution.

Rope in a Worthy Cosigner

A worthy cosigner might turn out to be a lot of help while borrowing from a traditional lender. If your poor credit scores fail to inspire confidence among lenders about your repayment capacity, a worthy cosigner can help. A good cosigner means someone who has good earning and credit scores. If he agrees to sign the relevant documents agreeing to pay off the debt in case of your failure you might as well grab the chance of securing a traditional loan at moderate rate of interest. However be serious about repaying the debt on time as your inability to do the same might hurt the credit rating of your cosigner.


Therefore be rest assured that personal loans bad credit reportare not your sole recourse when it comes to meeting your immediate cash needs. Consider the options listed above and then settle for a choice. Please remember that short term financing should be the last resort if any of these options doesn’t fall in place. If you’re opting for the same make sure that you’re adopting due measures to take aid of a secured website.


Binary options, as the name suggests, can have only two possible outcomes. Either a win or a loss, just like the binary digits- 1 and 0.They have fixed pay outs that have been agreed upon and which are paid to the investor depending on his prediction of a possible price movement. On the other hand, the traditional stock options have varied pay outs which depend on the size of movement of the price of the asset when compared with the strike price.

Another point of difference between binary options and traditional stock options is the Pay-out profile. In binary options, they pay out profile is more or less fixed and is decided before the investment is done. On the other hand, as said before, the traditional stock options pay-out depends on the size of the movement of the price of the asset when compared with the strike price.

The third point which could be used to differentiate between binary options and the traditional stock options is the Trading Pattern. In Binary options, the trade can be done on the basis of the figures of inflation, especially in the United States of America. On the other hand, this kind of practice is not that prevalent when it comes to the traditional stock options.

The fourth point of difference between the two is the ability to make out of money purchases. The out of money purchase in binary options is the same as seeking a traditional option for a cheaper rate. In this case, it is assumed that the strike price will be the same at the time of expiry of the respective options. The binary options pay-out will be fixed while those of the traditional option can vary to great extents.

Basically, binary options and the traditional trade options is the movement of the underlying financial instrument. Binary options movements between being out of the money or being in the money is mainly high placed as compared to the traditional stock options which would move at a much slower pace when the same steps are taken for both the options. Binary options are the “all or nothing” type of investment. Either you are right, in which case you get all your investment and the return or you are wrong, in which case you lose everything including all your initial investment.

Even though the pay outs of the binary options are fixed and can sometimes be much lesser than those of the traditional stock options, the amount that you lose is also fixed. So in case of a loss, you do not end up losing quite as much as you would have had you taken the same steps and invested in the traditional stock options. Also, binary options offer a much quicker return on investment than the traditional stock options. This has made them more popular of late.

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