Igqityelwe ukuvuselelwa ngo-Matshi 29, 2022
Ngaba ujonge usetyenziso olukuvumela ukuba uboleke imali e-USA? Ukuba ewe, ke eli nqaku lelakho. Namhlanje sizokwabelana ngo-10 Ii-Apps zeMali-mboleko ngoko nangoko Oko kukuvumela ukuba uboleke imali eMelika.
Sonke sinomzuzwana ebomini xa sifuna imali ngokungxamisekileyo, mhlawumbi ukuze sizisebenzisele thina okanye ezinye izinto ezizayo kwaye sifuna imali ukuze siphile, kwaye ukufumana imali-mboleko ekhawulezileyo mhlawumbi yeyona ndlela ikhawulezayo.
Akusoloko kulula ukuqala ishishini, ukuxhasa ngezimali umbono, okanye ukunyusa imali yesivumelwano esingxamisekileyo. Ngamanye amaxesha sifuna ukufumana ezona ndlela zikhawulezayo zokufumana imali oyidingayo xa ufuna ukuboleka imali. Eli nqaku lithetha ngezona zicelo zemali mboleko onokuthi uzisebenzise eMelika.
Ezi apps zezinye zezona zithenjiweyo kweli lizwe xa kufikwa ekufumaneni imali-mboleko ekhawulezayo, hayi imali-mboleko yeenkonzo zabo kunye nommeli wabathengi, kwaye namaqonga abo athembekile. Ukucinga ngokuboleka imali kumhlobo ngamanye amaxesha kunokubonakala ngathi yeyona ndlela ilungileyo, kodwa khumbula ukuba sonke siphila kumaxesha apho izinto zingelula kangako. Kulapho ukufumana imali-mboleko ekhawulezayo kungena.
Ii-smartphones kunye newebhusayithi yenye yezona zinto zisetyenziswa kakhulu kweli hlabathi ukuba i-intanethi, umoya, kunye nombane zibandakanyiwe phakathi kwezinto ezisetyenziswa kakhulu kwihlabathi liphela. Kungenxa yoko le nto sinokuzisebenzisa kakuhle ii-smartphones zethu.
Isiqulatho
Eyona Apps yeMali-mboleko yangoko nangoko e-USA
Ngaba uyafuna ukwazi malunga nezona nkqubo mboleko zibalaseleyo e-USA ezinokukugcina okanye zikuncede ngamaxesha angxamisekileyo okufumana imali mboleko ekhawulezayo? Funda ngale post ukusuka phezulu ukuya ekupheleni kwaye emva koko, ungakhetha enye kuzo zonke.
1. Viva Payday mboleko
Ukuba ujonge iiapps eziphathwayo ezinokukuvumela ukuba uboleke imali e-USA ke iimali mboleko zeViva Payday inokuba yindawo oya kuyo.
I-Viva Payday Loans yenye yezona ntlawulo ziphakamileyo zosetyenziso lwemali mboleko ekhoyo. Le software iyazingca ngokubonelela ngeemvume zemali-mboleko ekhawulezayo kunye neediphozithi kwiakhawunti yakho yebhanki ngosuku olulandelayo lweshishini.
Yonke inkqubo yesicelo igqitywe kwi-intanethi ngaphantsi kwemizuzu emihlanu.
Kwiphepha lasekhaya lewebhusayithi, unokukhetha isixa semali-mboleko ofuna ukusifaka isicelo. Ephepheni, umbolekisi unikezele ngeempawu zokuyila ukukunceda ekukhetheni imali-mboleko phakathi kwe-100 kunye ne-5,000 yeedola.
2. U-Earnin
I-app ephathwayo (ebeyisakuba zii-Active hours) ivumela abasebenzi abanee-akhawunti zebhanki ukuba bangene kumvuzo wabo osele bewufumene, ngexesha abaphuma ngalo emsebenzini endaweni yokulinda de kufike usuku lokurhola.
Abasebenzisi banokukhupha imali ukuya kuthi ga kwi-100 yeedola ngomvuzo, okanye ukuya kuthi ga kwi-500 yeedola kubasebenzisi abasebenzayo. I-Earnin ayihlawulisi mali okanye inzala, endaweni yokucela abathengi ukuba bacebise into abacinga ukuba ilungile. Yenye yezona zinto zikhawulezayo zokusebenza ezikuvumela ukuba uboleke imali e-USA.
Ukusebenzisa i-Earnin, kufuneka ube neshedyuli yomvuzo engaguqukiyo qho ngeveki, nge-biweekly, isiqingatha senyanga okanye ngenyanga. Ngaphezulu kwe-50% yomvuzo wakho kufuneka ithunyelwe kwi-akhawunti yokutshekisha enye ngediphozithi ethe ngqo ngexesha ngalinye lokuhlawula.
Kwakhona, kuya kufuneka usebenze kwindawo enye yonke imihla okanye usebenzise amaphepha exesha e-elektroniki ukulandelela iiyure zakho.
I-Earnin ibala intlawulo yakho ngokusekelwe kuphela kwimali efakwe ngokuthe ngqo kwi-akhawunti yakho yokutshekisha kumqeshi omnye.
Ukuba unesici se-Earnin esithi "Isantya soMbane", unokukwazi ukufumana imali yakho kwangoko. Ngaphandle kwesantya soMbane, u-Earnin uthi uyakufumana imali yakho kwiintsuku ezimbini zomsebenzi.
3. Isebe
Isebe sisicelo ekulula ukusisebenzisa ekuvumela ukuba uboleke imali ngokulula. Ukuze usebenzise i-Branch Pay ukuze ufumane i-advanced cash, kufuneka ubuncinane ube neenyanga ezimbini zediphozithi ngqo kumqeshi omnye.
Idiphozithi nganye kufuneka ibe ngaphezu kwe-$40 kwaye ifakwe kwi-akhawunti yebhanki enye kunye nebhanki ethatha inxaxheba.
Isixa semali onokuthi usicele kwi-cash advance sisekelwe kwizinto ezimbini: i-akhawunti yakho ye-akhawunti ye-akhawunti yediphozithi ngqo kunye nokuba yimalini oyichithayo xa uthelekisa nemali oyifumanayo.
Xa uqala ukusebenzisa i-app, iSetyana lithi umda wakho wemali owunikwe kwangaphambili uya kuba sezantsi. Kodwa njengoko usebenzisa i-app ekuhambeni kwexesha kwaye ubuyisela i-advances yakho, umda wakho unokunyuka.
Isebe alibizi nzala kwimali ehlawulwa kwangaphambili, kwaye imirhumo yalo iyahluka ngokusekelwe kwindlela okhetha ngayo ukufumana imali.
Unokufumana ufikelelo "ngoko nangoko" simahla xa imali ithunyelwe kwikhadi lakho lebhanki leSebe. Ngaphandle kwamathandabuzo, iSetyana yenye yeapps ekuvumela ukuba uboleke imali kwi-Intanethi.
Ukuba ufuna ukuba imali yakho ithunyelwe kwi-akhawunti yebhanki yangaphandle okanye kwikhadi ledebhithi ngoko nangoko, iSebe liya kukuhlawulisa umrhumo nokuba yi-$3.99 okanye i-$4.99, kuxhomekeke kwisixa osidluliselayo.
Ukuba akunamali yaneleyo kwi-Wallet yeSebe lakho lokuhlawula ityala, isebe aliyi kulihlawula, kwaye awuyi kubizwa ntlawulo ye-ovadrafti. Kodwa kuya kufuneka ukhawuleze ufumane enye indlela yokuhlawula ityala endaweni yoko.
4. UDave
UDave lusetyenziso olusisiseko kodwa olusebenzayo lwemali mboleko yeselula eUnited States. I-Dave yi-app yangaphambi kwekheshi enceda abasebenzisi bayo ukuba baphephe imirhumo ye-ovadraft yebhanki ngokubanika imali yokuya ngaphambili.
UDave akabizi nzala; endaweni yoko, icela ukuhlawulelwa. Ukusebenzisa i-app, ababhalisi kufuneka bahlawule umrhumo omncinci wenyanga wobulungu, kwaye ubuninzi bemali ephambi kwexesha liphantsi.
Nabani na ofuna intlawulo yetshekhi kwangaphambili okanye uncedo lohlahlo lwabiwo-mali unokuqhagamshelana noDave. UDave uya kukunceda ngokunqanda imirhumo ye-ovadrafti, uhlahlo lwabiwo-mali lweemfuno ezizayo, kunye nokubonelela ukuya kuthi ga kwi-100 yeedola kwiimali ezingxamisekileyo.
5. INgonyama yeMali
INgonyama yeMali ikwalusetyenziso olukuvumela ukuba uboleke imali, wonge kwaye utyale kanye entendeni yesandla sakho.
Ukufumana imali-mboleko yomakhi wetyala nge-app yeNgonyama, kufuneka ube nobulungu beCredit Builder Plus, obuxabisa i-19.99 yeedola ngenyanga.
Unokunceda ukunciphisa iindleko zobulungu ngokufumana umvuzo ngokungena kwi-app kunye nokusebenzisa ikhadi lakho lemali yeLion Visa debit (ukuba unayo) ukuthenga ngaphezu kwe-$ 10 ngenyanga.
IMoneyLion ayijongi ikhredithi yakho ukuze iqinisekise ukufaneleka kwakho kwiimali-mboleko zomakhi wetyala. Endaweni yoko, uya kudibanisa iakhawunti yakho yokukhangela ephambili, kwaye inkampani iya kuphonononga umsebenzi weakhawunti yakho ukwenza isigqibo sokuba uyafaneleka na.
6. UBrigitt
UBrigit unokukuqhubela phambili phakathi kwe-80 yeedola kunye ne-250 yeedola, kodwa kuya kufuneka uhlawule i-9.99 yeedola ngenyanga ngesicwangciso seBrigit Plus ukuze ulungele "ukudluliselwa ngoko nangoko" kunye nezinye izinto.
I-app, ekhoyo kwizixhobo ze-Android kunye ne-Apple, ivelele kwizixhobo zayo zohlahlo lwabiwo-mali ezikunceda ukulandelela inkcitho yakho kunye nemodeli yayo "yenqaku leBrigit".
Amanqaku akho eBrigit aqala ku-0 ukuya kwi-100 kwaye alinganise imilinganiselo emithathu yokuphila kakuhle kwezemali: impilo yeakhawunti yebhanki, indlela yokuziphatha kwenkcitho kunye neprofayili yemivuzo.
7. Ukuxhobisa
Nge-app yokuXhobisa, unokufumana inzala ngaphandle kwenzala ukuya kuthi ga kwi-250 yeedola nangaliphi na ixesha kumjikelo wakho wokuhlawula. Akukho mirhumo emva kwexesha kwaye akukho kuhlolwa kwamatyala.
Nangona kunjalo, ukuxhobisa kungaphezulu nje kwe-app yokuhlawula kwangaphambili.
8. PayActv
Nge-PayActiv, abasebenzi bayakwazi ukufikelela kwingeniso yabo, kodwa okwangoku engahlawulwanga kwaye akukho nzala. Basenokusebenzisa i-app yeselula ye-PayActiv ukuhlawula amatyala, ukwenza ukudluliselwa kwebhanki, kunye nokuqalisa uhlahlo lwabiwo-mali kunye nokugcina.
I-PayActiv yenye indlela yexesha elifutshane, i-dollar encinci, iimveliso ezibolekayo ezisetyenziswa zizigidi zabasebenzi ngelixa belinde usuku lokuhlawula. Iinkonzo ze-Pay activ's zibandakanya ukufikelela kwemali ngoko nangoko, ukuhlawulwa kwebhili, ukudluliselwa kwebhanki, ukonga, izixhobo zohlahlo lwabiwo-mali, kunye nokunye okuninzi.
9. Intlawulo yosuku
Nalu olunye usetyenziso olukuvumela ukuba uboleke imali kubaqeshi. Umvuzo wosuku ukwakunika ukufikelela kwinxalenye yomvuzo owufumeneyo phambi komhla wokurhola.
Ngeyure nganye oyisebenzileyo, uzakhela ikhredithi kwiakhawunti yakho yeDailyPay, onokuthi emva koko uyithumele kwiakhawunti yakho yebhanki nangaliphi na ixesha.
I-app ihlawulisa i-$ 1.25 ngokutshintshela ukufumana imali yakho ngosuku olulandelayo lomsebenzi okanye i-$ 2.99 ukufumana imali yakho ngoko nangoko.
Xa usuku lokurhola lufika, ufumana umvuzo wakho wesiqhelo kuthatyathwe naziphi na iimali zangaphambili ozicelileyo. I-DailyPay ikwakuvumela ukuba usete ugqithiselo oluzenzekelayo ngamaxesha athile.
10. Ikalika
I-Chime yinkampani ye-intanethi kuphela esebenzisana neebhanki ezimbini ukubonelela ngee-akhawunti zayo zokujonga kunye nokonga.
I-Chime ayinamrhumo wenyanga okanye i-ovadrafti, kwaye ikuvumela ukuba uqokelele izinto ozithengileyo kwidola elandelayo kwaye ugcine intsalela. Akukho ntlawulo yenyanga, akukho ntlawulo ye-ovadrafti.
Ucinga ntoni ngale nto? Sikholelwa ukuba eli nqaku libe luncedo, ukuba ewe, ungalibazisi ukuthanda, ukuphawula kunye nokwabelana.