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Zippy Loan Before you apply for such a loan, check the rates and terms. See if the interest rate is too high or just enough. Know how immediate payment will affect the interest rates. If you pay sooner than the expected date, you will enjoy discounts. Make sure that when you get a personal loan, you can still afford to pay the monthly dues. You must also be sure that this will not affect your other payments such as your utility bills, credit cards, school fees of your children and others. Don't - Change from being salaried (W2) to being self employed at least a year and in most cases 2 years before trying to get a mortgage to buy a home. This is the last resort for the bad credit people and only should be used during emergencies. This is the type of loan that is going to range from $100 to $1,500 and you can get it the same day right online. This loan also has to be paid back within about 30 days and is very easy to get approved for. This is an emergency only loan and you only want to borrow what you absolutely have to have. http://www.betamortgageratecutter.com/zippyloan/