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For perhaps the largest selection of prepaid card plans in the industry, you can visit Kaiku (kaiku.com). Kaiku is well known for administrating many prepaid Visa card programs that are responsible for returning many individuals, families and businesses to financial health.

No matter how much financial trouble you are in, a prepaid Visa credit card from Kaiku will always help the situation. Although the card can be used just like a Visa credit card, the prepaid option means that you will never spend more money than you deposit on the card in the first place. This means that your purchases will still go towards the improvement of your credit score, but you will never face the consequences of a late payment.

Kaiku offers both vanity prepaid cards as well as Visa cards from major banking institutions. You can also use Kaiku in multiple instances with many prepaid cards for different purposes. Kaiku also allows you to add money online with one of the most convenient and up to date deposit systems on the Internet today.

If you do not have the best credit or you are just looking for a credit card option that will protect your financial health, then you should check out Kaiku. You would do well to note that prepaid cards do have a variety of fees and charges including a monthly fee and a credit card deposit fee.

If you manage your withdrawals and account checks to in-network services, you’ll probably be fine; but if you travel a lot internationally or have to use a fee ATM service, it may not be particularly affordable. However, many pre-paid cards seem to offer similar packages.

The good news is: no need to pay interest rates on your prepaid card, so stuffing one in your wallet may be quite useful at times. Just remember to keep cash in it and monthly rates are $1.95. Oh, and don’t get a paper statement! That’ll set you back $2.95.

Everyone needs some cash at times, whether it’s for emergencies or just to have some fun. If you don’t have a good credit score though, most banks won’t give you the time of day. If this applies to you, consider a title loan on your car.

A Title Loan Is…

Many people have heard of a title loan, but don’t know what it really is. With a title loan, you are getting a loan using your car as collateral. You might point out that you need your car, but that is not a problem. Working with Texas auto title loans, you get to keep your car, as long as you pay off your loan. The car is just collateral in the rare case that you don’t make your payments.

My favorite thing about eTitleLoan is their mobile loan agents. Sure, you might need money, but driving to a loan store, doing the paperwork, etc., takes time, and often more time than you have on a lunch break. This is even more important in the case of an emergency need for cash.

With eTitleLoan though, you just give them a call, and they send their loan agents to you. Not only that, but they will tell you right on the phone everything that you need to have with you to process the loan. None of this garbage where you think you’re getting the loan, but end up not having all the paperwork they need so they just send you on your way, still broke.

Obviously no one wants to need emergency cash, but if that day comes, definitely consider giving eTitleLoan a call. Their whole business model, with their mobile loan agents, makes the process as easy as possible, and gets you the cash you need quickly. I highly recommend it.

John In Houston

(Note: Of course, if you don’t keep up payments on your title loan, you may risk losing your car! Now that might be even more inconvenient than not having a little cash! And don’t forget to check the interest rates! Some of these loans have high interest rates, much higher than typical bank loans.)