Here's a summary of the video, written in plain text format with bullet points, in the tone of Bev O'Shea, and approximately 150 words long:
If you're struggling with bills or lost your job, there are lenders that may be able to help you with quick loans, even if the banks or credit unions won't. These loans have some basic requirements:
- You must be a U.S. citizen, not residing in certain states
- Your checking account must be at least 90 days old
- They're more interested in your consistent income than your credit score
- They may check your status through services like Clarity, Factortrust, or LexusNexus, but you won't get a hard pull on your personal credit file
The lenders offer loans ranging from $200 to $5,000, with higher interest rates. Some key things to note:
- You can get loans from multiple lenders, but be cautious of the high interest
- They focus more on your debt-to-income ratio than your credit score
- Certain states are excluded from their lending areas
Overall, these lenders may be able to provide a temporary solution if you're in a bind, but be mindful of the terms and conditions.
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