Daytona Florida Banks with Bad Credit Personal Loans

Individuals in the city of Daytona, Florida have many opportunities when it comes to borrowing cash.  When looking for bad credit unsecured personal loans it is very important for these individuals to recognize that high interest rates will likely be applied to this money borrowed.  Also remember that bad credit payday loans are available in the state of Florida but they will come with astronomical interest rates.  When looking for Daytona, Florida banks with bad credit personal loans remember that there are few options available.

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Bad Credit Unsecured Personal Loans vs Payday Loans

There are quite a few states that have created laws that prohibit bad credit cash advance payday loans.  Florida is not one of those states as bad credit payday loan companies can continue to offer financial services to struggling individuals.  This can be both good and bad.  It can be good for individuals who simply need $500 to $1500 to get by for the next few weeks.  If these borrowers know with 100% certainty that they will have this money in their bank account with the next paycheck the money can be very useful when it comes to avoiding having their electricity turned off or losing their vehicle.

These types of loans can be very bad because high interest rates and high fees are often applied to the money borrowed.  In fact, in the state of Florida an individual could pay interest rates in excess of 390% on a payday loan.  Note that most cash advance payday loan lenders do not illustrate the interest rate that is paid.  They simply call it the fees enter a stock.  In the state of Florida were laws that prohibit bad credit cash advance payday loan lenders from applying more than $15 to every $100 borrowed. What this means is that borrowers will have to pay $15 for every $100 borrowed each time they take out of bad credit payday loan.  If a borrower takes out $500 they will have to pay back $575 with their next paycheck.

Unfortunately, this borrower will have to pay even more fees if they can not fulfill the commitment to pay the $575 that is assigned to them.  Each time the borrower receives a paycheck and does not pay the loan off in full fees will reset.  This money can accumulate quickly. There is a very large difference in bad credit cash advance payday loans and bad credit unsecured personal loans.  When taking out a personal loan individuals will sign a contract stating that they will pay the amount of money back over the course of time through monthly payments.  This is much different than a payday loan in that borrowers will have an extended period of time  to pay back this money.Please do not feel as if this money will come at no cost.

Finding Daytona, Florida banks will loan offers does not mean money is cheap or free. Most bad credit unsecured personal loans will have an interest rate between 15% and 35%.  Although this is significantly less than a bad credit payday loan it is still much higher than a personal loans taken out from somebody with a very good credit score.  If an individual has a credit score that is above 750 there is no reason to take out a bad credit unsecured personal loan.  Some individuals may put up collateral and get a much lower interest rate on a larger secured line of credit.

Daytona Florida Banks with Bad Credit Personal Loans

Before moving forward we must understand bad credit can be defined in many different ways.  Some people feel as if bad credit is anyone with a credit score below 500 that cannot take out  a loan.  This is a very strict definition of bad credit and can often be defined as a very bad credit borrower or an extremely bad credit borrower.  Others feel as if bad credit would be considered anyone below the 650 credit score.  This individual has made very poor financial decisions in the recent past but they still have opportunities to borrow money.

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Note that most banks will not allow individuals with a credit score under $500 to borrow a significant amount of cash.  Most of these individuals use the last resort of a cash advance payday loan to borrow money.  Note the cash advance payday loan lenders often do not allow borrowers to take out more than $1500.  With this loan being due with one’s next paycheck it makes sense that most lenders would not be willing to allow borrowers access to more than $1500 cash.  There are very few bad credit borrowers who make more than $1500 in a pay period.

All of that said, there are many banks and financial institutions in Daytona, Florida that offer financial assistance. The first step is to determine your credit history.  If you have been on time with all of your bills throughout the last several months and years there is a good chance that your credit score may be better than you would have imagined.  Banks like Regions Bank, Wells Fargo, SunTrust, Surety Bank, Gateway Bank of Florida and BB&T all have branches in the Daytona Florida area. Also remember that there are financial institutions spread throughout the state that offer bad credit help individuals who have struggled through the current economic environment.

It may be worth it to drive a half hour or an hour to a bank that is willing to help minorities, single mothers, or those who have recently been laid off or are currently unemployed.  Finding these banks are not as difficult as they once were.  This is true because the economy is not as strong as it was prior to the subprime mortgage or credit crisis. If you’re struggling to find a bank that offers personal loan opportunities I would strongly suggest using the FDIC search tool.  This tool lists all of the financial institutions that are currently insured by the FDIC.  You can search this website for financial institutions based upon their current amount of deposits or the state in which they are located.

Make a mental note that some banks may be located in a particular state but have a presence elsewhere. One example of this is Bank of America.  Bank of America is located in Charlotte, North Carolina but has a presence in many states throughout the Southeast.  In fact, most Florida residents have seen Bank of America locations in all of the major cities such as Miami, Orlando, Tampa, Fort Myers, and Jacksonville.

If you are willing to do a little bit of extra homework you will likely find that some of these locations offer much better customer service than others. It is very similar to shopping at a WalMart location.  We all know that some WalMart locations offer much better customer service than others.  Take the time to find a financial institution that is willing to work very hard for your business.  If you are going to be taking out a bad credit unsecured personal loan in the city of Daytona, Florida there should be banks and financial institutions that are more than willing to work for your business as this will be money in their pocket down the road.

Payday Loan Lenders in Daytona, Florida

If you are simply seeking $500 cash and you feel as if you cannot get a bad credit unsecured personal loan there are payday loan opportunities in the Daytona, Florida area.  I would strongly suggest considering every other option before taking out a cash advance payday loan.  As stated earlier, individuals are going to pay very high fees for borrowing this money.  Unfortunately, some individuals may not have any other options as they have lost access to their bank account, have not paid bills in the last few months, or simply have a very low income.

Below you will find some of the addresses and phone numbers to cash advance payday loan opportunities in the Daytona, Florida area.  If you would like any more information on cash advance payday loans and the problems they could cause please feel free to contact me through the comments below.

Fast Payday Loans 

701 W International Speedway Blvd,

Daytona Beach, FL (386) 238-7300 ‎

Advance America 

1551 N Nova Rd,

Holly Hill, FL (386) 257-0934

Cash Advance 

875 Mason Ave,

Daytona Beach, FL (386) 248-1119

Advance America 

1352 W International Speedway Blvd,

Daytona Beach, FL (386) 255-4660

Always make certain that bills are paid on time and in full as this will help you avoid teetering on the bad credit brink.  If you are willing to create a strong weekly or monthly budget and stick to that budget there is a very good chance that you could end up making your financial life much easier.  This means loans will be available without having to pay very high interest rates. There are plenty of useful financial calculators that are free online.

Take advantage of these calculators before jumping into any type of bad credit loan offer.  If you sit down and crunch the numbers you will find that there are options that are better than others.  It never hurts to step back and sleep on one of these major financial decisions before taking out an unsecured personal loan or a cash advance payday loan in Daytona, Florida.…

Word of Mouth and Relationship Marketing is Part of SEO

Anyone that reads Wojdylo Finance more than twice a week is going to get sick and tired of me talking about relationships being the most important part of social media. Well, I am at it again. It seems every single day someone is speculating about a new Google algorithm update that is going to affect “x” number of websites. If you used word of mouth and relationship marketing you have absolutely nothing to worry about as Google will reward you for getting natural social shares and link backs. This is one of the most important aspects of SEO in 2013 and beyond.

Word of Mouth and Relationship Marketing

Word of mouth marketing is one of the most powerful business tools in the world. We will use a webmaster as an example. If you provide amazing content that helps individuals solve problems they will thank you tenfold. They may not give you any business directly but they will likely share an article or piece of content via social media. Whether that is LinkedIn, Facebook, Google+ or Twitter doesn’t matter. It is more eyeballs that will see you displaying an area of expertise.

If you continue to provide that individual with amazing resources or services they may pick up the phone and call a friend. In this conversation there is a good chance they will mention how “x” website has been so helpful. The friend checks out the website and is immediately impressed. That person decides to tell their group of small business owners at the weekly town meeting. It goes on from there. You get the picture.

If you are unwilling to start that first relationship this type of marketing is impossible. When I started on Google+ my goal was to respond to every person that mentioned my name. Even if it was a simple +1 I wanted to let that person know that I read their comment and I appreciate the interaction. Even with over 11,000 and 500 notifications I still do that to this day. Here is why:

The John Locke Marketing Model

I am a huge fan of John Locke. Not the philosopher. The author of the Donovan Creed series. I am such a fan that I have introduced over 10 people to the series. In fact, go download Wish List right now and start reading. OK, my word of mouth marketing is done. Back to where I was. John Locke came out with an eBook “How I Sold 1 Million eBooks in 5 Months”. As soon as this eBook became available I made the purchase.

At he beginning of his “how to” it was explained that he was selling about 100 books a month on Amazon when he first started. He knew he was a good writer but he needed to change his marketing campaign. He used social media to reach out to his audience. Not only did he reach out but he made certain to respond to every single individual. He does this still today even though he sells millions of eBooks.

If you are willing to build relationships one person at a time you will have a better marketing campaign than you could ever pay for. Realize this to be the case before trying to get 10,000 followers on Twitter or Google+. This is especially true when it comes to Facebook “Likes”. Build friendships one at a time and these individuals will naturally tell their friends about your amazing products or services.


SEO has changed drastically over the last three years. Penguin and Panda opened the eyes of many. If you incorporate word of mouth and relationship marketing into your SEO you will find that not only is your optimization better but you will get more out of life. I have lived it for the past 14 months and I have never been happier. I just wish I had done more relationship marketing in my early Internet career. Get out there and build one relationship at a time.…

Write and Share Articles Where Readers Can Find You

If you are interested in Google+, Twitter or social media in general please check out all of my related articles here: Wojdylo Social Media.

So often I hear bloggers and webmasters complaining that no one reads their content. I ask them their strategy and it often sounds like this. “I write a blog post about something going on in my industry. I post it to my personal or business website then I Tweet it, share it on Facebook and every once in awhile share it on Google+.” After asking how many readers they received it is almost always “just a few.” The definition of insanity is doing the same thing repeatedly and expecting different results. Why do you think your latest blog post is going to blow up and get hundreds of readers if none of the previous posts saw an increase in engagement or readership. Lets fix it!

A Jesse Wojdylo History Lesson

When I first started by blogging/Internet marketing career back in 2008 I did as many people do. I signed up for a free WordPress blog and a free Blogspot (Blogger now) blog. At the time you had to install widgets to check your stats. I can clearly remember typing my opinion on sports and finance and being ecstatic about getting 10 new viewers. Looking back on this, I am quite certain these were bots and not people actually reading my content. Early on, I read as many “pro” blogging related articles as I could find. Some were great and some were terrible.

One of the first blog posts I read was about going to where everyone else is when it comes to Internet consumption. Remember this was pre Twitter being popular. We were still at the beginning of the Facebook marketing cycle. Reddit was a ghost town and Google+ was not even in existence. Heck, Google Buzz wasn’t even built yet. The popular place to find readers was article marketing websites like eZine Articles and Amazines. If you were blogging at the time you know exactly what I am talking about.

Other popular websites were Delicious, StumbleUpon and Propeller. As you read this post in 2013 you probably have not looked at Delicious or Propeller in years, if ever. That said, these were the websites that people when consuming content. Instead of sharing to Facebook, Twitter and Google+ you would share to these social bookmarking websites. Unfortunately, I did not realize this to be social media 1.0. I created zero relationships and I just spammed the system.

I would write an article and share it to a dozen different social bookmarking sites. There were even tools that allowed you to do it in one click. You could find other blog posts explaining how to rank #1 in Google organic search by simply submitting to 10 or so social bookmarking sites. These were all link backs, right? Well, yes, but lets say this scheme did not work for very long. I learned quickly and realized that creating meaningful relationships with readers is much more important than submitting to all these social bookmarking sites. So, here we are today, in April 2013.

Finding Your Tribe and Potential Readers

As social media gains in popularity it is not difficult to find people that are interested in the same subjects that interest you. In fact, it is hard not to find these people. If you are active on Google+, Twitter, Facebook or LinkedIn people of similar interests are naturally going to find you. If you were sitting in a corner of the Internet with your own blog and you were not reaching out to readers in creative ways it would be very difficult to increase readership. It might happen over several months or a few years but that process can be expedited by actively looking for your tribe or potential readers.

I would never suggest spending eight hours a day scouring the Internet for potential readers. I would suggest testing the waters on different social media websites. Please understand that there is not one social media website that is everything to everybody. If you are a decorator you will benefit from Pinterest but likely not Active Rain. If you are a photographer you will benefit from Google+ and Facebook but maybe not so much Twitter. I think you get the idea. Figure out where your tribe is hanging out.

It should not take you long to see if you “fit in” to a community. I fit in very well with Google+ as I write about social media, SEO and tech related products. I have an Android, I bash Facebook and I am anti Apple. I think you can quickly see why Google+ is my home away from home. This does not mean it is for everyone. You may have 2000 friends on Facebook and 15,000 fans on your business page. Use that social medium to reach out to your audience.

Write Articles for Your Following

Now that we have established there are plenty of places readers it is time to start generating some content. But what do I write, Jesse? I am glad you asked. I you have more than five followers on Twitter or Google+ you already have an audience. They are following you for a reason. Ask them what they want to read. Most social media users will be more than happy to explain their interests. This is especially true on Google+. By asking them what they want to read you will find that they have a vested interest in reading your content once it has been produced. You just got a new reader who will likely share your content.

This is a concept that I have been implementing for well over a year and it has helped me build some amazing relationships. I have naturally built a following of over 10,000 on Google+. I have never been a on a suggested user list and, for the most part, I have not been in a bunch of shared circles. This means that people are finding me because of my content. I assure you, with a little bit of effort, you can find a social network that will help you find readers that are interested in your articles, videos or pictures.…