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Swap Shop Items | WKYK, WTOE



(If you would like to submit an item for the “Swap Shop” use the form here

To submit an item by phone call 828-682-3510 ext 442)

(Lost and Found Items page is here)

Submitted items stay on the website for one month unless deleted by the person who submitted the item.  All submitted items are in rotation on the radio programs for one week and expire one week from the air date of the section in which the items are listed and can be placed back on the radio by resubmitting the listing.

June 21, 2021

For Sale:     New Holland square baler. $1,000…call 828-284-1634

Wanted:      Beagle-fiest mix dog…call 828-208-2137, talk to Darrell

For Sale:     (2) 2000 Suzuki LT80Y Quadsport ATVs. Excellent condition. Stored inside for 21 years. Check out the NADA value before contacting… Call 828-284-0887

For Sale:     Bee supers, Bee hives, and frames…call 828-536-9911

For Sale:     I got a 110cc Black Widow go kart in good condition: just needs belt and a better seat. But with out the belt $250, with the belt $300, with belt and a new seat $400…call or text Jason at 229-220-0671

For Sale:     Do you have an old television or radio? I have an NRI Professional Tube Tester from 1950’s in working condition. $50… call (828)467-2124

For Sale:     5 frame nucleus colony of Italian bees. Possible delivery. $150…call 828-208-6406

For Sale:     Pygmy goats…call 828-467-1809

Wanted:      Looking for a 3 bedroom and 2 bathroom trailer or a house in Spruce Pine or Burnsville area to rent…call 828-385-0275

June 19, 2021

For Sale:     Schwinn 1999 model#ad3 exercise bike. $240…pair of men’s brown Laredo size 8d cowboy boots $40…Goodyear spare tire size
T125/70d/15-inch 5-lug $10, delivery is negotiable if needed…call 423-963-3410.

June 18, 2021

For Sale:     Drive brand Bed in a Box: Brand new Bed in a Box. Never taken out of box. Fits home care or hospital beds. Paid $50 asking $40 or best offer… Call or text 828-208-4714.

For Sale:     10 guineas. $100 for all…call 828-467-7573

Wanted:      Looking for a HUD Approved trailer, apartment, or house, 1 or 2 bedroom with Lights and water included in Rent. Looking to pay around $500/ Month. I’m a 49 year old Male, easy going, down to earth, very helpful and neighborly.  I don’t drink or do drugs at all. I stay to myself  and I’m in need of a nice place ASAP.  If you can help me out please call or text anytime at 828-284-8812, if no answer please Leave a message

Wanted:      Looking to trade a 2010 Mazda 3. Awesome little car with great gas mileage. Looking to trade for something higher off the ground or 4 wheel drive. Nothing wrong just a crack in the windshield. Would drive this car anywhere. ONLY LOOKING TO TRADE. For more info call or text anytime 828-467-8337

Wanted:      A TV that works (**not the newer Smart TV’s), free or very cheap…Calls only! 828-385-1260

Free:             Hay, free to anyone who’ll come and cut it…also have for sale a Tandy Sensation computer: old but still works good.  It has a monitor, keyboard, and printer and has Windows, Algebra Made Easy, and games like Doom, Conquest of the Long Bow and Sim City. $50…call 675-5278, after 6:00 pm

June 17, 2021

For Sale:    Over 200 Action figures. $7 Each…over 300 Hot wheels cars and trucks. $2 Each… 2 Tall Lamps: 6 ft tall. $45 for both… TV Show seasons on DVD. $12 Each…video games for regular Xbox, Xbox 360, PS3, PS2, Sega, and Game Cube. $6 each…call or text anytime at 828-284-8812: Leave a message if no answer

For Sale:     2002 Chevy Suburban with a bad paint job.  It’s a good vehicle: gets around well, needs a brake job and some TLC but will get you where you’re going…also
I’m looking for a travel trailer no fifth wheels please or would take a running motorhome you can contact me by phone 503-328-4358 or email

For Sale:     Handgun ammunition: Factory 9 MM Brass FMJ. $22 for a box of 50, Factory 45 ACP Brass FMJ. $29.50 for a box of 50, and Factory 45 ACP Steel FMJ. $25 for a box of 50…Wheelbarrow, plastic tub, wood handles (ACE Hardware). $30…4-Wheel garden cart, steel w/fold down sides (Lowes). $20…10″ table saw, handyman quality. $15…Drill press (Harbor Freight), handyman quality. $25…6 drawer mechanics toolbox w/top bin, 2 drawer mid box and 3 drawer rolling cart w/bottom bin. Includes misc. tools, etc. $100…call 470-334-0084

For Sale:     18-foot Stratos fish and ski boat: low hours with 150 horsepower engine…call 682-7304

Free:            2 year old spayed Rottweiller mix female, looking for a new home away from the road, likes to chase cars. Free to a good home…also have for sale 8 ISA Brown hens. All one-year-old. $15 each…call 828-284-8161

June 16, 2021

For Sale:     2007 Polaris Ranger side-by-side, good tires, with top and which, brakes work perfectly. $7,000…2 registered mountain cur females: one is treeing her own squirrel and is 3 year old $300, the other has stared and is a year old $200 or trade for some guns…call 682-6290

For Rent:     4-bedroom 2-bath double-wide: has washer & dryer, Monitor heater and wood heater, one bedroom suite in master bedroom. Year lease, $1,000 a month plus a $1,000 deposit, no pets, references required and checked…call 828-284-8015

For Sale:     Two-post automobile lift: Atlas Pro 9000 D and 8-gallon oil drain bucket. Both are new, still packed like it came from the factory, never opened, cost $2800, will take $2500… call Dale at Yancey Stone 682-2645, serous inquiry only

For Sale:     Set of 17-inch chrome wheels with a universal lug pattern, caps included, $300… call 828-467-2059

For Sale:     2017 JEEP 4D DOOR, Chief Edition. 64,710 current mileage. Excellent condition. Leather heated seats. Automatic transmission. $39,498 is payoff, no lower offers please…call 828-467-2628

Wanted:      Buying catalytic converters: price depending on type and condition, fair price paid, will come cut off or pick up… call or text anytime 828-467-7254

For Sale:     Pygmy goats, Billies and Nannies… Call after 6 pm for more information. 765-8771

Need housekeeper for large old home in Little Switzerland. MUST have EXCELLENT references and no drugs and non smoker. Will be every 2 weeks through September. Wonderful family and good pay. Call 828-467-8311

    Yard work needed: Need weeds removed from large flower beds. I also need mulch spread in and around beds. Job is immediately and pay will be good and prompt. Must have references and be drug free. Call 828-467-8311.

June 15, 2021

For Sale:     1950 restored Coke machine and gas pump…call Billy for info at 828-265-1859

Need hands on person IMMEDIATELY! Must be able to take direction and be able to install pop in ceiling tile and remove old existing tiles. GOOD pay for non smoking ready to work individual with REFERENCES. Call 828-467-8311. IMMEDIATE need in Little Switzerland.

For Sale:     1st Generation Mini Nubian twin doe goats. 5 years old. Raised as pets. They clear land great. They work as a team. Healthy and friendly. Would like to sell together as they are very connected. $150 each…call 828-537-0650

For Sale:     2 ferrets: both very friendly and playful! Brown is a male, white is female, both are fixed. Comes with cage, bowls, and hammock. Rehoming fee is $400, can negotiate a little on price… if interested please text 828-467-0500

For Sale:     Need to rehome a 2 yr old bulldog mix. Very loving…Text or call 828-208-3528

Wanted:      To rent a 2-3 bedroom home in the Spruce Pine area. Have excellent references. Have rented the same place for the last 7 years: never late once. The owner of current rental is moving back in to the community…call 467-6004

For Sale:     Boy Clothes…Call 682-3411

For Sale:     .45 ACP Ammo: 1100 rounds of .45 ACP, brass cased, 230 grain FMJ Ball ammo, and 14 rounds of .45 ACP, brass cased Critical Defense ammo. Will not separate – $665 for all…call 828-385-1267

For Sale:     Three month old purebred male Great Pyrenees puppy. Raised with goats since he was 3 weeks old. Parents are working livestock guardian dogs and live on our farm located here in Burnsville, NC. Asking $250 or best reasonable offer. Text James @ 864-906-5661 or email

For Sale:     Sable Saanen male Goat. $225 or best offer…call 828-280-1961

Weed eating. 1-2 days…Text 678-1706

Wanted:      CKC toy poodle stud for my CKC buff female cocker spaniel…call 828-284-9878

For Sale:     Health Kit Amateur radios in good physical condition. Very reasonable. Call Willie Neal KC8FNQ 248-557-3475

June 14, 2021

For Sale:     Male Great Dane puppy. He is merle color and is around 8 weeks old. He is Up-to-date on his shots hasn’t been neutered. He is good around cats , other dogs and used to farm animals. He has a rehoming fee. •Serious inquiries only•call 828-385-0311

Wanted:       To buy a used ATV and an enclosed trailer…call Billy 828-265-1859

For Sale:     Set of 4 plus 1 Kenetica tires: set of 4 plus spare that’s never been used. $200 or best offer. They came off a Honda CR7 with a blown motor. They are 205-70-R15 on the wheels/rims…call Danny at 828-682-3727 until 10:00 pm, leave message if no answer

For Sale:     2001 Nissan Xterra. 4×4. Good running. Clean , dependable car. 204,000 miles. Serviced regularly. AC does need charging. Everything else works good. 5 speed manual trans. Asking $3000 or best offer… Call or text 828-208-4400

For Sale:     Whirlpool side-by-side refrigerator w/ice maker and water on door. 25.3 cu.ft. stainless steel, new thermostat control asking $850…call 208-1834

For Sale:     Miniature party poodles: three 10 week old, 1 female, 2 males ready to go. Up to date on shots, flea prevention started. And taking deposits for new litter my other mama just had. 3 girls and 1 boy. These baby’s are beautiful and a reasonably priced. Very healthy… Call if interested Susan at 828-467-6228

Wanted:      Would like to buy a used dog kennel…call 385-0482

For Sale:     2007 Yamaha V-Star XVS 1300 Tourer motorcycle. Great condition. Has windshield and hard saddlebags. Ready to ride. $3000… Call or text 828-284-5857

For Sale:     New 6 volt cordless Power To Go sawsall with charger and carrying case $40…New Skill brand cordless rachet $30…Craftsman manual miter saw with 18in back and 36 in saw $50…2 like new General Altima tires size 215x60r17 $40…Very nice vintage white porcelain pitch and washbowl $40…5in heavy duty american made ETAU bench vice with anvil and swivel base $80 firm…5in Black and Decker bench grinder $40…brand new metal small box trap 6inx6inx16in $20… call 828-387-5696

For Sale:     Canning Jars – quarts and pints $6 per dozen…call 803-984-3741

For Sale:    Whirlpool air conditioner 18500 BTU: this item is in great working condition, 24 x 24 opening, works in window, or thru the wall. Will cool 800 to 1000 sq ft space. Relocated an office and no longer needed. $150…Call or text 828-385-0909

For Sale:     HP 11.6” stream. Total screen time of two hrs. No scratches, comes with charger. $100…call 828-208-1899

June 12, 2021

For Sale:     1 person pontoons for river or lake fishing…call 682-7304

Wanted:      Looking for an old cast iron drain board sink, I’ve attached a picture of what I’m looking for, preferably with drain boards on both sides but will look at any! please let me know if you have one or you know where I can find one. Thanks! Call or text 828-467-9198

June 11, 2021

For Sale:     Twin metal bed frame: white, includes mattress. $59.99…metal office desk, like new, 3 drawers. $99.99…two oak plant stands. $35 each…beautiful indoor rocker with snap-on cushion, like new. $299.99…architectured wood drawing table: 38″ x 5′. $599.99…call 828-592-1611

For Sale:     ABCA Registered Border Collie Puppies ready to go July 1st: will have 1st shots and be up to date on wormer . Have black and whites and merles available. $300 each… calls only, no text 828-385-0380

For Sale:     2 pygmy billy goats: 10 weeks old, $100 each or both for $150…call 828-688-3567, leave message if no answer

For Sale:     Fishing kayak with live well, 2 rod holders, only used twice. $200…call 828-385-1455, ask for Robert

For Sale:     HAM radio equipment–Radios , antennas tuners etc. Please call for prices.
Call 828-467-9097 or 828-765-4621 and leave message if no answer.

Wanted:      Looking to buy FIREWOOD to burn this winter. Leave message if no answer…call 828-765-7074

Wanted:      Looking for land with fields to purchase for farm…please call 828-385-6030

For Sale:     Beautiful Hardy Dinner Plate Hibiscus. Huge 8 inch blooms as big as a dinner plate. Available in Luna variety Red & Pink and The hard to find Midnight Marvel variety also. Only $25 each…Call Bob at 828-467-6999.

Weed eating. 1-2 days…Text 678-1706

June 10, 2021

For Sale:     Variety of used furniture. White marble top table w/chairs. Small refrigerator. Queen size box spring mattress with brass headboard. Beautiful glass top coffee table. Kids chest a drawers. Small white marble top table. 2 smaller round tables. Couch and matching chair with a second recliner. Prices negotiable…call 828-284-2480

For Sale:     Tote full of newborn girl clothes. $20 for all mixed seasons…call Ashleigh at 828-803-8810

For Sale:     2006 Mercedes Benz car…call 850-901-4552 or 828-682-6185 or 828-284-3620

For Sale:     Cypress wood double glider, brand new. Dimensions: 56″ x30″ x42″. $600…call 765-6087

Wanted:      Mossberg MVP in 7.62…Text 910.551.7904 or email

Wanted:      Looking for older model 4×4 Jeep in pretty good condition at a reasonable price. Something in an automatic, maybe 2000 to 2006 area. I am in Burnsville… Call 585-489-8161

June 9, 2021

For Sale:     Fisher Price Snugga Monkey baby swing used only a short time for our son asking $50…a bedside bassinet: cost $200 new, never used, brand new, asking $100…a Fisher Price rock-with-me bassinet asking $30 or will take $150 for all three…call 828-467-7274

For Sale:     Gently used glider rocker with glider ottoman – $100 or best offer…Call or text 828-208-1472

For Sale:     ’04 Ford Escape: 4-wheel-drive, overdrive, automatic transmission, power windows, heated seats, all leather interior and seats, new radio with 4 new tires, sun roof, black in color…Craftsman router with bits and table…call 828-230-6182

Wanted:      A place to rent! We need a bigger place very badly! Need a 2 or 3 bedroom w/ 1 or 2 baths. Need a place that will allow pets….I have wonderful references as to how clean I keep our place and my dogs are house trained. There small chihuahuas however I do have 3 of them. I can’t live without them! My step daughter needs her own space and privacy. It would just be myself my husband and my step Daughter and she doesn’t always stay with us. You want references we got good ones! We both have jobs that pay pretty good and we always pay our rent. We stay to ourselves we work and come home and that’s it ? we do not party and we do NOT do any drugs. Been at our current tiny apartment for almost 4 years and it’s just really closterphobic in this place honestly and I have no way to pre pare supper here the kitchen is 10ftx 3ft. It’s not ideal it’s been a good place but can’t stay here in this small space much longer! My husband and I even do work for our landlord we fix things that need to be fixed where we stay or in one of the apartments next door. We are always making our place look better. If there is even anyone who has A RENT TO OWN home for bad credit or no credit that would be even better!! If you give us a chance you won’t regret it! God bless!
If you call and I do not Answer please leave me a message! Thanks in advance!!

For Sale:     5 Astraloupe hens, laying good, just a little over a year old. $15 each…call 284-9091

For Sale:     Knee scooter…dump truck…call 682-9003

For Sale:     Half Yorkie half Shih-tzu/shorkie female 4-month old puppy.   Comes with bed, food, toys, bowls, harness and leash and its shots are up to date.  Cannot keep her. $600…email

For Sale:     Australian Shepherd Puppies. 3 Male Blue Merles and 2 Female Black Tris. $400…email

June 8, 2021

Free:            Three 3 month old roosters from heavy breed chickens, will be good meat birds in a few months, come and get all three…call 828-688-4059

For Rent:    1 bedroom, 1 bath house on Burnsville School Rd.  Stove, fridge, washer and dryer hookup: mowing included. $600 a month, plus deposit, no HUD and no pets…call 682-6280

For Sale:    Hiwatch 6 T500+ Smart Watches in blue,black,white & gold pink with all the options and features of an expense smart watch but at a 1/3 of the price…call 828-592-1265

 Someone to stay with a 78 year old man and help him around the house: offering good pay, 8 hours a day. There won’t be much work. Have room they can stay free of charge if they need it: free room and board. $12 an hour/40 hours a week…call 828-689-5125

For Sale:     Piano:approximately 50 years old is in good condition, needs a good home, for more information or if interested please call 828-284-9583

For Sale:     Pygmy goats…call 828-467-1809

For Sale:     Used Brown Ashley Leather Sofa with wood trim. One tear on seat, some minor wear on arm. Great for man cave. Call if interested and leave a message. Asking $125 or best offer…like new Pioneer equalizer. $200…call 675-0618 or 284-3663

Wanted:      Someone to put Kool seal on a 23′ camper, two gallons, have everything you need… call 828-284-5294

June 7, 2021

For Sale:     6 ISA Brown hens, 2 Ameraucana hens and 1 Dominique hen. ISA Brown hens are about 1 year old, Ameraucana and Dominique hens are just a little over 1 year old. All laying excellent. ISA Brown and Dominique lay large brown eggs, Ameraucana lay blue-ish eggs. $15 each. Picked up here at the farm, no delivery. Bring a crate to transport. 828-385-0956. Calls or text ok, Thanks!

Wanted:      Golf cart, gas powered, reasonably priced. Call Robert 467-0560 or 467-5726.

For Sale:     Male Blue Heeler: 6 months old. $250…call (828)385-1366

For Sale:     Three white plastic window blinds approximately 3 feet by 3 feet. $20.00 or best offer…call 828-284-2911

For Sale:     Golden. Doodles. Puppies mother is Golden Retriever Dad is a large black and white Standard Poodle boy’s and girls , 5 black with white markings, on the feet, 5 white with black markings, 6 1/2 week’s old , ready for adoption very sweet and fluffy , kid approved family pet , will be big pet’s, 828-308-2218 leave a message

Wanted:      To buy compact tractor and ATV…call Billy 828-265-1859

For Sale:     2001 Buick Lesabre. Has 150,000 miles and is a clean car. It has a good 3.8 engine. Transmission is messing up. Asking $1000. Call 675-5102 and leave message if no answer.

For Rent:     Pasture land for rent: Room for 2-3 cows to graze in…call 704-962-5999

For Sale:     Female fainting goat, 3 months old. $250 or best offer…call 828-467-3593

For Sale:     Cooper set of tires size 225/65/R17. They have half tread or better…call 828-682-4006 or 828-208-0648

Wanted:      A granny 4-speed transmission, GM, for a 1973-1989 2-wheel-drive…call 828-208-2444: leave a message if no answer

For Sale:     16 x 26 utility building with white vinyl siding. Comes wired with lights and Receptacles.Call for price  and more information. Bee Log area 828-284-5795 no calls after 930–

June 5, 2021

For Sale:     Craftsman backpack blower in box. Retails for $250, like new, will sell for $150…G.E. dryer. Full size, works great $195..acoustic guitar G100, 3/4 size. $75…outdoor table: white. $45…wood, metal and plastic shelving, call for price…hay in the field, 2 acres, half & half…call 305-988-9188

June 4, 2021

For Sale:     2002 Dodge: excellent body, excellent running gears, needs an engine. It’s a very good looking truck in good shape body wise. $1,500 or best offer…call 828-783-0169

For Sale:     1200 DVDs $5 Each…85 Disney DVDs $6 each… 100 wrestling DVDs $10 Each …call or text anytime 828-284-8812: Leave a message

Wanted:      Need someone to assist with basic daily needs of my 76 & 79 year old parents in the West Yancey- Prices Creek area. Looking for someone to work 4 hours per day Monday thru Friday from 9am-1pm.  Prepare breakfast and lunch, dispense already prepared medications, general housekeeping, laundry, dishes, etc. $12 per hour… Call or text 828-442-2946 if interested.

For Sale:     Soho desk & shelf in great condition. Metal and wood combination. Modern set – will sell both for $100… Please text if interested 828-208-2177

For Sale:    2 pot belly pigs, a year and 2 months old, very small. I will take $50 a piece for the pigs…one male duck $10…call 828-318-2020

For Sale:     8X10 Metal utility building, framed with 2X4 studs and rafters, 36″ metal door and pair of access ramps. Paid $1945 last year, asking $1400…call 828-385-1267

For Sale:     Mixed Breed Rabbits… Call or Text: 828-385-0395

For Sale:     Tonneau Pro Hardfold cover, excellent condition. Currently on a 2015 Ford F-150 short bed. 5′ 5″. $450…call 828-678-1008

Free:             Free Female Goat to good home she is sweet an loving she thinks she is a dog but she needs to be with other goats…email

June 3, 2021

For Rent:     2011 Double wide for rent: Newdale community, 2 Bedroom/2Bath with office space, 2 covered porches, detached carport, and storage building. $1,000 monthly. No pets, no smoking, rental application required and will be provided… Call 828-284-0550

For Sale:     Pyrenees/Pitt puppies: Momma Pitt, daddy Great Pyrenees, both parents on premises. Will be ready June 12th…call 843-698-3277

For Lease:   Riverfront land for lease, good access. 828-467-5279

 Someone to stay with a 78 year old man and help him around the house: offering good pay, 8 hours a day. There won’t be much work. Have room they can stay free of charge if they need it: free room and board. $12 an hour/40 hours a week…call 828-689-5125

For Sale:      2 deer hunting tree stands… 4 tires and nice wheels: fits F-150 Ford truck…2 large camping cots: steel frame…a new, still in box,  3.2 cubic foot dorm-type fridge bought at Lowes…. call anytime for info on the items 828-682-9237, if no answer leave message

For Sale:     2 stands, very nice wood and iron with a drawer: can be used for TV stands or night stands.  They have 3 shelves and a drawer in each.  They are 4 ft tall 18inches wide $100 for both…king quilt with shams, new, yellow/navy, beautiful $60…a lot of mens new khaki pants size 34/32, 34/34, $5 each…alot of doggie pee pads, new. $5 a  pack…a lot of womens tops size 2XL, like new. $5 and $10 each…call 385-2221

For Sale:     2003 Nissan Frontier truck…text or call 828-385-0080

June 2, 2021

Wanted:      To buy a cabinet-style wood heater…call 828-385-0197

For Sale:     2 year old Jack Russell/Rat Terrier mix male. Very friendly and loving, smart…Text 828-284-6196

Wanted:       Looking for a good HUD approved 2 bedroom trailer, apartment or house with Lights and Water included in Rent for $500 a month in Burnsville or Spruce Pine areas. I’m 49 single male. I don’t drink or do drugs at all.  I’m clean helpful easy to get along with. Need something ASAP if possible if you got something please help and call or text anytime at 828-284-8812: Leave a message if no answer

For Sale:    3624 sq. ft building on Main Street in Spruce Pine with showroom, 2 bathrooms, new roof, guttering, rewired throughout, natural gas furnace, 3-phase power, 10 horsepower Champion air compressor piped throughout building, 10-foot ceiling. Excellent for cabinet/wood working shop with designer showroom for interior decorator. Client list available…call 828-385-1048…Financing available for 5 years.

Wanted:      Looking for a house or apartment rental in the Burnsville or Spruce Pine area… Call or text 828-678-1078.

For Sale:     Norwegian Elkhound puppies: 5 female pups…call 828-838-5553

For Sale:     2001 Indian Centennial Chief motorcycle: 100th Anniversary Limited Edition #95 of 365+. Engine:S&S Super Stock 88 1500. Color:Black Hills Black/Gold, Only 841 Miles, All Orginal, Mint Condition. Price: 12,800.00 Would Consider Partial Trade Side x Side Or Other Items of Equal Value and Condition.
Contact: 828-208-2858 or I Will Answer All.

For Sale:     4-500 DVDs, excellent condition, many action & sci-fi and more. $225… Call Robert at 467-5726.

For Sale:     Thompson Center 50 Caliber muzzle loader. This is a slightly used gun, cleaned and cared for very well. Bore is in A+ condition. Check out the picture. I am asking $400.00. If interested, Call Don at 585-489-8161 I live in Burnsville. 

June 1, 2021

Wanted:      To buy locust posts or rails… Call 828-733-4919 if you have some for sale

For Sale:    Pomeranian and Miniature Yorkie Mix, 6 Weeks Old, No Papers $250. Dad is Pomeranian Full Blooded and Papered and Mom is Miniature Yorkie Full Blooded and No Papers… Call 828-208-4674 Anytime.

Wanted:      Looking for medium young or pup mix bred or pure to guard chicks and bark.  Lost my good dog a week ago.  Looking for one free to a dog loving home… also have free to a good home a black kitten: one week old, be ready to go in 5 more weeks. The mother is a good mouser…call 828-284-7816

For Sale:     2 year old Cur dog: bred well out of good bloodline. $400…one year old original Mountain Cur: black and brindle, started on squirrel. $300 or trade for guns…call 682-6290

For Sale:      Walker male 2 year old dog: He is UKC papered and he will run a bear and bay on the ground. He’s a good pack dog and he has a good mouth…call 828-208-1747,  leave a message if no answer

For Sale:     2002 Yamaha XVS 1100 V-star motorcycle. $2800…call 828-385-0053

For Sale:     1 young Lavender Orpington rooster. $10…call 828-678-0410 Or send a text – can provide pictures

For Sale:     Japanese bantams 8 weeks old. $10 each…call 828-208-2883

For Sale:     Silver 2016 Kia Rio w/55,000 miles. Interior is in good shape; never smoked in/no pets. $7500. Car is in Bakersville, NC…call 828-467-8780

For Sale:     Computer desk in good condition: must pick up in Burnsville. $20….call 828-678-1226

For Sale:     4 brassy back bantam roosters, also have bigger roosters….Also have a female potbelly pig…call 828-208-3528

May 31, 2021

For Sale:     Motorcycle: 2015 Kawasaki Ninja 300. Good condition, Low Mileage, Dark Gray, Ready to Ride. Includes New Helmet with Cover. Includes New Cover for Motorcycle. NADA Guide Suggested List Price is $5,299. Will sell for $4,150 with some minor negotiation. Will deliver in a 50 mile radius for $60, Further delivery distance is open for discussion, if needed. Please call 910-897-8960 and please leave a message and the call will be returned.

For Sale:     6 hens and 1 rooster: hens are various breeds, Silver Laced Wyandotte, Silkie mix, Leghorn mix etc. Roo is Silver Laced and Leghorn: real pretty $50… Young black baldy cow, believe to be bred, calm easygoing, sell or trade on good young bull, farm equipment, fire arms etc. $1000 make offer…Call or text 828-387-7731

For Sale:     Rigid 13-inch planer, heavy duty, high capacity…call 828-682-4006

For Sale:     BRAHMIN Women’s Handbags & Wallets: Some new with tags; some gently used and excellent condition. Photos available via text (941-875-3669) or email

For Sale:     Pygmy goats… Call 828-467-1809

For Sale:     1997 Dodge Dakota: 177,000 miles. Runs and drives great, 5 speed, 4 wheel drive, everything works good…call 828-783-0196

For Sale:     2 like new General Altama tires size 215×60 r17. $25 each…2 like new BF Goodrich tires size 195×60 r15 $25 each…5in heavy duty Etau american made bench vice with swivel base and anvil $80…Black and Decker 5in bench grinder: good shape $40…Gould and Goodrich leather gun holster in excellent shape” fits 9mm and 45 caliber pistol. $25…brand new Black and Decker cordless electric rachet $25… call 828-387-5696

Wanted:      Muzzle-loading rifles or pistols: cap and ball or flintlock only, no inlines…call 675-9298

May 29, 2021

Wanted:      Searching for a 2 bedroom home for rent or for sale. Looking to move by January of 2022. Local to Spruce Pine please. Text 828-467-2257.

For Sale:     Female miniature Dachshund looking for her forever home. She was born with a small hernia. She is very loving and sweet and gets along with kids and other animals. Asking a rehoming fee to ensure a loving home…call 828-385-0311

May 28, 2021

For Sale:     Craftsman backpack blower $150…G.E. dryer. $175…Bissell  bagless vacuum. $20…Brother printer model TN450 $45…acoustic guitar: G100. $85…call 305-988-9188

Wanted:      Fishing buddy that can: show up, show up on time and be willing to help prep boat and tackle before trip and clean up after.  Ready to go and want email with photo and brief description of fishing interests and experiences…email

May 27, 2021

For Sale:     8 Australorp hens and a rooster, a little over a year old, laying well…1964 Ford 2000 tractor…call 284-9091

For Sale:     Young Hens, Golden Comets & Leghorns. $10 Each.  Serious inquiries only. Grover Area…call 704-974-6219

Wanted:      ISO a 2-3 bedroom house . $900-1000 a month, Yancey, Mitchell, Avery or McDowell …Text or call 828-803-3996

For Sale:     Boat 6 gallon gas can: will work most boat motors. $25… PTO-shaft for a tractor $100…call 828-688-4226

Wanted:      Looking for landscape help around 40 hours a week. Please call or text 828 208 5777 8AM until 830 pm

For Sale:      5 gobbler turkeys: 1 year old, they are blue and bronze mixed, $25 each….please call 765 -4128 anytime, no Sunday sales please

Free:              About 4 1/2 acres of good hay ready to cut, free to anyone, call anytime for info and if no answer leave message 828-682-9237  Location is the Pensacola area on 197 South: only interested calls please!

May 26, 2021

For Sale:     Troy-Bilt weed eater: hasn’t been used in a year. Includes metal blades. $30…call 385-3440

Wanted:     Looking for 2 ground men for a tree service…Call (828)284-6626

Free:            2 free lavendar Orphington roosters, 1 a year old, the other is a couple months old…also have a few month old pullets for sale along with silver fox baby bunnies…Text or call 828-284-8278

For Sale:     4 14-inch Ranger aluminum wheels with tires. $100… call David at 208- 4766. If no answer, leave a message.

For Sale:     Pygmy goats…call 828-467-1809

For Sale:     Fresh eggs, baked goods, herbals and salves. Can meet in Burnsville for delivery…call 828-678-0245

May 25, 2021

For Lease:  Good meadow with good grass ready to cut.  Contact Lloyd Silvers at 895 Possum Trot Road

For Sale:     As seen on TV – VPX 2000 programmable exercise machine-gently used in great condition- paid $1100,00 – asking $400… Child’s violin – several years old – barely used in excellent condition – asking $100. If interested please call 284-4466. If no answer – PLEASE leave a message – call will be returned.

For Sale:     Chickens, hatched this year… Text 828-385-0395

For Sale:     A couch and chair, but the chair needs some work on one of the legs, the couch is fine, rust colored with farm pattern on it, no tears. $100 for both…regrigerator/freezer with freezer on the left. $100…game baby chicks. 3 weeks old approximately. $6 each, ready to wean…call 682-6290

For Sale:     2000 Kiota tractor, 35 horsepower, 4-wheel-drive with only 345 hours…call 467-1190

Free:            Kittens:8 weeks old, ready for good home…call 828-284-5381

For Sale:     10 Isa Brown laying hens, approximately 11 months old, asking $15 each, located in Spruce Pine…call 828-284-8161

For Sale:    Toyostove Laser 56 Vented Kerosene Heater with or without 235 gallon tank. In great condition. $500 or best offer… Call or text 828-333-2222

For Sale:     4 tires 175/ 65/ 14, good tread. $25 each…Nordic rider $30. Exercise glider $30. Or best offer. Please call after 5:00 p.m 828-765-1689

For Sale:     Inversion machine $40 or best offer…call 828-766-3941

For Sale:    2008 Expresso …NO TITLE. 2 cycle has 6,812 miles on it has electric start or kick start. Runs great $800 or trade for 4 wheeler…Call only 828.537.2326, if no answer leave a message

Wanted:      Looking to buy couple horses. And goats…call 828-897-1022

May 24, 2021

Need help planting taters. $12 hour 2-3 days…call 828-678-1706

For Sale:      7 month old miniature white female poodle. $1200…call 828-208-3498

Wanted:      Like to find a run-of-the-mill or pure breed free to a good home.  Need a good guard dog that don’t kill chickens…call 828-284-7816

      Need someone to cool seal a mobile home. Also need some free dirt and haul it…Call 828-678-5070. If no answer leave a message

Wanted:       To buy a used ATV and a compact tractor…call Billy and please leave message 828-265-1859

For Sale:     1 Week Old Barred Rock and Rhode Island Red Chickens . $ 7 each…Call or text Kaylin at 828-284-8102 .

Free:              Firewood… text 828-467-5279

For Sale:     Couch: medium blue colored vinyl, excellent condition. $200…beige loveseat and ottoman: excellent condition. $200 for both…call 682-6055

For Sale:     Weight distribution Hitch Stabilizers and Sway Bar with 2-5/16″ Ball. Rated at 10,000 pounds. $200…Call 828-682-6213 after 5 pm. Leave message if no answer, will return call.

For Sale:     Yard sale stuff: children’s clothes, books, toys, Mickey Mouse table, and Home Interior pictures and what-nots…call 682-3411

For Sale:     3’x5′ ATV trailer with 2″ Hitch. $200…Call 828-208-6213 after 5:00 pm. Leave message if no answer, will return call.

For Sale:     Queen bed, springs and mattress: Bed, springs and mattress are in excellent condition, and a  dark gray reclining leather love seat. All for $450…call 828-284-1997

Free:            Movie Theatre seats to give away…call 765-2845

May 22, 2021

For Sale:     Vitamaster Treadmill in excellent condition. $440…Call for details: 828-385-3203.

For Sale:     Yamaha trombone with case…Tandy Sensation computer with keyboard, printer and games, old but works good…Sony 20-inch TV: not digital but can be hooked up to cable and works real good…call 675-5278 after 6:00 pm

For Sale:     Christmas decor…Richard Petty bottles…Pepsi bottles…hand tools…power tools…call 305-988-9188

May 21, 2021

For Sale:     Dodge Ram 03 – 08 electric fan kit. Flex-a-lite brand. $75…call 828-208-1854

Wanted:      2-3 BR house desperately needed for family of three! I am a local contractor and need a house to rent or rent to own ASAP! Please call Craig at 828-592-1424. Please help a local family in need! !!!

For Sale:     Delta iron bed turner: Large turner and other items from a woodworker’s workshop. Price negotiable. If interested, please call 828-437-0783 between 9am and 8pm.

For Sale:     Good used Black and Decker 5-inch bench grinder. $40…brand new small box trap 6 inch x 6 inch x 16. $20…Nice used Gould and Goodrich leather pistol holster: fits 9mm and .45. $35…2 like new 195 x60 R15 tires. $50…Also looking for 2 tires size 195×70 R14  for a trailer…call 828-387-5696

For Sale:     Straight run chicks: 2 months old, $5 each. Have been in outside coop for 2 weeks…5 adapter Egger hens, 2 years old. Still getting 3 eggs/day, $5 each…call 828-260-8846

For Sale:     Rabbits. Young. Large breed mixed…Text 828-385-0395

For Sale:     Name brand Basketball shoes and football cleats: brand new…call 828-385-0080

For Sale:     A yellow F-150 2004 Scream Edition: v8, 4×4, automatic transmission. Wheels and tires are Duck Commanders.  Very clean truck: it runs, also has aclean title. It’s a good truck, it just needs some TLC! For more info or pictures call 828-678-0799

Wanted:       Farm help: Non-drug addicts that can actually show up to weed eat and spray weeds. $12-$15 an hour…call 678-1706

For Sale:     2012 Ford Focus SE Hatchback: manual transmission, a little over 100K miles. Sea Glass Green exterior/Grey interior. One owner, clear title. Asking $5,750…email

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Bad Credit

Inside the Highly Profitable and Secretive World of Payday Lenders



Illustration by Sarah Maxwell, Folio Art

When Bridget Davis got started in the family’s payday lending business in 1996, there was just one Check ’n Go store in Cincinnati. She says she did it all: customer service, banking duties, even painting walls.

The company had been established two years earlier by her husband, Jared Davis, and was growing rapidly. There were 100 Check ’n Go locations by 1997, when Jared and Bridget (née Byrne) married and traveled the country together looking for more locations to open storefront outlets. They launched another 400 stores in 1998, mostly in strip malls and abandoned gas stations in low-income minority neighborhoods where the payday lending target market abounds. Bridget drove the supply truck and helped select locations and design the store layouts.

But Jared soon fired his wife for committing what may be the ultimate sin in the payday lending business: She forgave a customer’s debt. “A young woman came to pay her $20 interest payment,” Bridget wrote in court documents last year during divorce proceedings from Jared. “I pulled her file, calculated that she had already paid $320 to date on a principle [sic] loan of $100. I told her she was paid in full. [Jared] fired me, stating, ‘We are here to make money, not help customers manage theirs. If you can’t do that, you can’t work here.’ ”

Photograph by Brittany Dexter

It’s a business philosophy that pays well, especially if you’re charging fees and interest rates of 400 percent that can more than triple the amount of the loan in just five months—the typical time most payday borrowers need to repay their debt, says the Pew Charitable Trusts, a nonprofit organization focused on public policy. Cincinnati-based Check ’n Go now operates more than 1,100 locations in 25 states as well as an internet lending service with 24/7 access from the comfort of your own home, according to its website. Since its founding, the company has conducted more than 50 million transactions.

What the website doesn’t say is that many, if not most, of those transactions were for small loans of $50 to $500 to working people trying to scrape by and pay their bills. In most states—including Ohio, until it reformed its payday lending laws in 2019—borrowers typically fork over more than one-third of their paycheck to meet the deadline for repayment, usually in two weeks. To help guarantee repayment, borrowers turn over access to their checking account or deposit a check with the lender. In states that don’t offer protection, customers go back again and again to borrow more money from the same payday lender, typically up to 10 times, driving themselves into a debt trap that can lead to bankruptcy.

Jared and Bridget Davis are embroiled in a nasty court battle related to his 2019 divorce filing in Hamilton County Domestic Relations Court. Thousands of pages of filings and 433 docket entries by April 26 offer the public a rare glimpse into the business operations of Check ’n Go, one of Cincinnati’s largest privately-owned companies, as well as personal lifestyles funded by payday lending.

The company cleared $77 million in profit in 2018, a figure that dipped the following year to $55 million, according to an audit by Deloitte. That drop in revenue may have something to do with the payday lending reform laws and interest rate caps passed recently in Ohio as well as a growing number of other states.

The day-to-day business transactions that provide such profit are a depressing window into how those who live on the edge of financial security are often stuck with few options for improving their situations. If a borrower doesn’t repay or refinance his or her original loan, a lender like Check ’n Go deposits the guarantee check and lets it bounce, causing the borrower to incur charges for the bounced check and eventually lose his or her checking account, says Nick DiNardo, an attorney for the Legal Aid Society of Greater Cincinnati. After two missed payments, payday lenders usually turn over the debt to a collection agency. If the collection agency fails to collect the full amount of the original loan as well as all fees and interest, it goes to court to garnish the borrower’s wages.

That devastating experience is all too familiar to Anthony Smith, a 60-year-old Wyoming resident who says he was laid off from several management positions over a 20-year period. He turned to payday lenders as his credit rating dropped and soon found himself caught in a debt trap that took him years to escape.

Two things happened in 2019, Smith says, that turned around his financial fortunes. First, he found a stable manufacturing job with the Formica Company locally, and then he took his mother’s advice and opened a credit union account. GE Credit Union not only gave him a reasonable loan to pay off his $2,500 debt but also issued him his first credit card in a decade. “I had been a member [of the credit union] for just two months, and I had a credit rating of 520. Can you imagine?” he says. Smith says he is now debt-free for the first time in 10 years.

Consumer advocates say Check ’n Go is one of the biggest payday lending operations in the nation. But knowing its exact ranking is difficult because most payday lending companies, including Check ’n Go and its parent company CNG Holdings, are privately held and reluctant to disclose their finances.

Brothers Jared and David Davis own the majority of the company’s privately held stock. David bought into the company in 1995, but CNG got its game-changing infusion of capital from the brothers’ father, Allen Davis, who retired as CEO of then-Provident Bank in 1998. Allen sold off $37 million in stock options and essentially became CNG’s bank and consultant.

By 2005, however, the sons were part of a public court battle against their father. Allen accused Jared and David of treating his millions in CNG stock as compensation instead of a transfer from his ex-wife (and the brothers’ mother), sticking him with a $13 million tax bill. In turn, the brothers accused Allen of putting his mistress and his yacht captain on the company payroll, taking $1.2 million in fees without board approval, and leading the company into ventures that lost Check ’n Go a lot of money. Several years of legal fighting later, the IRS was still demanding its $13 million. CNG officials did not respond to requests for comment for this story.

Jared and David split $22 million in profit from CNG in 2018 and, according to the Deloitte audit, CNG’s balance sheet showed another $42 million that could be split between the two brothers in 2019. Jared, however, elected not to receive his $21 million distribution “in order to create this artificial financial crisis and shelter millions of dollars from an equitable split between us,” according to Bridget’s divorce filing.

Worse, she claims, Jared said they would be responsible for paying taxes out of their personal accounts rather than from CNG’s company earnings, making her personally responsible for half of the $5.5 million in taxes for 2019. She believes it wasn’t happenstance that $5.5 million was wired to Jared’s private bank account in December of that same year. Bridget has refused to sign the joint tax return, and Jared filed a complaint with the court saying a late tax filing would cost them $1 million in penalties and missed tax opportunities.

“For the duration of our marriage and to the present, Jared has full and complete control of all money paid to us from various investments we have made in addition to our main source of income, CNG,” Bridget wrote in her motion. She suspects that Jared, without her knowledge or consent, plowed the money for their taxes and from other sources of income into Black Diamond Group, the fund that invests in the Agave & Rye restaurant chain. Beyond the original restaurant opened in Covington in 2018, “they have opened four other locations in one year,” she wrote, including Louisville and Lexington. (The ninth location opened in Hamilton this spring.) Agave & Rye’s website touts its Mexican fare as “a chef-inspired take on the standard taco, elevating this simple food into something epic!”

In his response, Jared wrote, “We have very limited regular sources of income.” He says he isn’t receiving any additional distributions from CNG, the couple’s primary source of income, “and this is not within my control. The company has declared that we would not make any further distributions in 2020 given economic circumstances. This decision is based on a formula and is not discretionary.” Agave & Rye helped produce $645,000 in income for Black Diamond in 2020 but has paid out $890,000 in loans, he says. Through August 31, 2020, he wrote, the couple’s “expenses have exceeded income from all sources.”

The divorce case filings start slinging mud when the couple accuses each other of breaking up their 22-year marriage and finding new partners. Jared claims Bridget began an affair during their marriage with Brian Duncan, a contractor she employed through her house flipping business. Bridget, he says, paid Duncan’s company $75,000 in 2018 as well as giving him a personal gift of $70,000 that same year. Jared says she also bought Duncan at least one car and purchased a house for him near hers on Shawnee Run Road for $289,000, then loaned money to Duncan. Jared says Duncan has been late in repaying the note.

While Bridget says Duncan has been drug-free for several years, he has a rap sheet with Hamilton County courts from 2000 to 2017 that runs five pages long. It lists a half-dozen counts of drug abuse and drug possession, including heroin and possession of illegal drug paraphernalia; assaulting a police officer; stealing a Taser from a police officer; criminal damaging while being treated at UC Health; more than a dozen speeding and traffic violations; a half-dozen counts of driving with a suspended license; receiving stolen property; twice fleeing and resisting arrest; three counts of theft; two counts of forgery; and one count for passing bad checks.

Bridget has fired back that Jared not only is hiding his money from her but spending it lavishly on vacations, resorts, and high-end restaurants with his new girlfriend, Susanne Warner. Bridget says Jared gifted Warner with $40,000 without Bridget’s knowledge, then declared it on their joint tax return as a “contribution.” Bridget’s court filings include photocopies of social media posts of Jared and Warner globetrotting from summer 2019 to summer 2020: vacation at Beaver Creek Village in Avon, Colorado; cocktails at High Cotton in Charleston, South Carolina, and dinner at Melvyn’s Restaurant and Lounge in Palm Springs, California; getaways at resorts in Nashville and at a lakefront rental on Norris Lake ($600 per night); in the Bahamas at a Musha Cay private residence ($57,000 per night), at South Beach in Miami, and at a private beach at Fisher Island; in Mexico at Cabo San Lucas; in the U.S. Virgin Islands at Magen’s Bay and on a private yacht ($4,500 per night); in California at Desert Hot Springs, the Ritz-Carlton in Rancho Mirage, and Montage at Laguna Beach; and in the Bahamas at South Cottage ($2,175 per night).

For her part, Bridget has gone through some of the top lawyers in town faster than President Trump during an impeachment—six in all, two of whom she’s sued for malpractice. She sent four binders of evidence to the Ohio Supreme Court, asking for the recusal of Hamilton County Judge Amy Searcy and claiming Searcy was biased because of campaign donations from Jared and his companies. Rather than deal with the list of questions sent to her by Chief Justice Maureen O’Connor, Searcy stepped down. Two other judges have since stepped into the fray, and in March Bridget filed for a change of venue outside of Hamilton County, arguing she can’t get a fair trial in her hometown. At press time, a trial date had been set for June 28 in Hamilton County.

The poor-mouthing in the divorce case has reached heights of comic absurdity. Jared claims he’s “illiquid” because he didn’t get his distribution from CNG in 2019. Bridget has received debt collection notices for the nearly $21,000 owed on her American Express card and a $735 bill from Jewish Hospital. There’s no sign yet that anyone is coming to repossess her Porsche, which according to her filings has a $5,000 monthly payment. Each party has received $25,000 a month in living expenses, an amount later reduced to $15,000 under a temporary legal agreement while the divorce case is being sorted out. Court filings show that Jared’s net worth is almost $206 million and Bridget’s is $22.5 million.

In the early 1990s, Allen Davis was raising eyebrows at Provident Bank (later bought by National City), and not only because of his very unbanker-like look of beard, ponytail, and casual golf wear. He was leading the company into questionable subprime home loans for people with bad credit and a frequent-shopper program for merchants, though the bank’s charter barred him from getting involved in full-blown predatory lending practices. With guidance and funding from his father, Jared, at age 26, launched Check ’n Go in 1994 and became a pioneer in the payday lending industry. Jared and his family saw there were millions of Americans who didn’t have checking or savings accounts (“unbanked”) or an adequate credit rating (“underbanked”) but still needed loans to meet their everyday expenses. What those potential customers did have was a steady paycheck.

Conventional banks share a big part of the blame for the nation’s army of unbanked borrowers by imposing checking account fees and onerous penalties for bounced checks. In 2019, the Federal Deposit Insurance Corporation estimated there were 7.1 million U.S. households without a checking or savings account.

The Davises launched Check ’n Go on the pretext that it would “fill the gap” for people who occasionally needed to borrow money in a hurry—a service for those who couldn’t get a loan any other way. But consumer advocates say the real business model for payday lending isn’t a service at all. The majority of the industry’s revenue comes from repeat business by customers trapped in debt, not from borrowers looking for a quick, one-time fix for their financial troubles.

Ohio’s payday lending lobbyists got a strong hold on the state legislature in the late 1990s, and by 2018 Democratic gubernatorial candidate Richard Cordray could rightfully claim in a campaign ad that “Ohio’s [payday lending] laws are now the worst in the nation. Things have gotten so bad that it is legal to charge 594 percent interest on loans.” His statement was based on a 2014 study by the Pew Charitable Trusts.

The frustration for consumer advocates was that Ohioans had been trying to reform those laws since 2008, when voters overwhelmingly approved a ballot initiative placing a 28 percent cap on the interest of payday loans. But—surprise!—lenders simply registered as mortgage brokers, which enabled them to charge unlimited fees.

The Davis family and five other payday lending companies controlled 90 percent of the market back then, an express gravy train ripping through the poorest communities in Ohio. The predatory feeding frenzy, especially in Ohio’s hard-hit Rust Belt communities, prompted a 2017 column at The Daily Beast titled, “America’s Worst Subprime Lender: Jared Davis vs. Allan Jones?” (Jones is founder and CEO of Tennessee-based Check Into Cash.) In 2016 and 2017, consumer advocates mustered their forces again, and this time they weren’t allowing for loopholes. The Pew Charitable Trusts joined efforts with bipartisan lawmakers and Ohioans for Payday Loan Reform, a statewide coalition of faith, business, local government, and nonprofit organizations. Consumer advocates found a legislative champion in State Rep. Kyle Koehler, a Republican from Springfield.

It no doubt helped reform efforts that former Ohio Speaker of the House Cliff Rosenberger resigned in spring 2018 amid an FBI investigation into his cozy relationship with payday lenders. Rosenberger had taken frequent overseas trips—to destinations including France, Italy, Israel, and China—in the company of payday lending lobbyists. In April 2019, Ohio’s new lending law took effect and, since then, has been called a national model for payday lending reform that balances protections for borrowers, profits for lenders, and access to credit for the poor, according to the Pew Charitable Trusts. New prices in Ohio are three to four times lower for payday loans than before the law. Borrowers now have up to three months to repay their loans with no more than 6 percent of their paycheck. Pew estimates that the cost of borrowing $400 for three months dropped from $450 to $109, saving Ohioans at least $75 million a year. And despite claims that the reforms would eliminate access to credit, lenders currently operate in communities across the state and online. “The bipartisan success shows that if you set fair rules and enforce them, lenders play by them and there’s widespread access to credit,” says Gabe Kravitz, a consumer finance officer at the Pew Charitable Trusts.

Other states like Virginia, Kansas, and Michigan are following Ohio’s lead, Kravitz says. Some states, such as Nebraska, have even capped annual interest on payday loans. As a result, Pew researchers have seen a reduction in the number of storefront lending op­erations across the country. Even better, Kravitz says, there’s no evidence that borrowers are turning instead to online payday lending operations.

Cincinnati is one of five cities chosen for a grant to replicate the success of Boston Builds Credit, an ambitious effort that city launched in 2017 to provide credit counseling in poor and minority communities by training specialists at existing social service agencies. The program also encourages consumer partnerships with credit unions, banks, and insurance companies to offer small, manageable loans that can help the unbanked and underbanked improve their credit ratings. “Right now, local organizations are all kind of working in silos on the problem in Cincinnati,” says Todd Moore of the nonprofit credit counseling agency Trinity Debt Relief. Moore, who applied for the Boston grant, says he’s looking for an agency like United Way or Strive Cincinnati to lead the effort here.

Anthony Smith is thankful that he’s escaped the downward spiral of his payday loans, especially during the pandemic’s economic turmoil. “I’m blessed for every day I can get paid and have a job during these difficult times, just to be able to pay my bills and meet my responsibilities,” he says. “I’ve always kept a job, but until now I’ve had crappy credit. That doesn’t mean I’m a bad guy.”

Can others worth millions of dollars say the same?

Inside the Highly Profitable and Secretive World of Payday Lenders Source link Inside the Highly Profitable and Secretive World of Payday Lenders

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Bad Credit

What’s Questionable Credit and Can I Get a Car Loan With It?



Questionable’s definition means that something’s quality is up for debate. If a lender says that your credit score is questionable, it’s likely that they mean it’s poor, or at the very least, they’re hesitant to approve you for vehicle financing. Here’s what most lenders consider questionable credit, and what auto loan options you may have.

Questionable Credit and Auto Lenders

Many auto lenders may consider questionable credit as a borrower with a credit score below 660. The credit score tiers as sorted by Experian the national credit bureau, are:

  • Super prime: 850 to 781
  • Prime: 780 to 661
  • Nonprime: 660 to 601
  • Subprime: 600 to 501
  • Deep subprime: 500 to 300

The nonprime credit tiers and below is when you start to get into bad credit territory and may struggle to meet the credit score requirements of traditional auto lenders.

This is because lenders are looking at your creditworthiness – your perceived ability to repay loans based on the information in your credit reports. Besides your actual credit score, there may be situations where the items in your credit reports are what’s making a lender question whether you’re a good candidate for an auto loan. These can include:

  • A past or active bankruptcy
  • A past or recent vehicle repossession
  • Recent missed/late payments
  • High credit card balances
  • No credit history

There are ways to get into an auto loan with questionable credit. Your options can change depending on what’s making your credit history questionable, though.

Questionable Credit Auto Loans

If your credit score is less than stellar, it may be time to look at these two lending options:

  • What Is Questionable Credit and Can I Get a Car Loan With It?Subprime financing – Done through special finance dealerships by third-party subprime lenders. These lenders can often assist with many unique credit situations, provided you can meet their requirements. A great option for new borrowers with thin files, situational bad credit, or consumers with older negative marks.
  • In-house financing – May not require a credit check, and is done through buy here pay here (BHPH) dealers. Typically, your income and down payment amount are the most important parts of eligibility. Auto loans without a credit check may not allow for credit repair and may come with a higher-than-average interest rate.

Both of these car loan options are typically available to borrowers with credit challenges. However, if you have more recent, serious delinquencies on your credit reports, a BHPH dealer may be for you. Most traditional and subprime lenders typically don’t approve financing for borrowers with a dismissed bankruptcy, a repossession less than a year old, or borrowers with multiple, recent missed/late payments.

Requirements of Bad Credit Car Loans

In many cases, your income and down payment size are the biggest factors in your overall eligibility for bad credit auto loans. Expect to need:

  • 30 days of recent computer-generated check stubs to prove you have around $1,500 to $2,500 of monthly gross income. Borrowers without W-2 income may need two to three years of professionally prepared tax returns.
  • A down payment of at least $1,000 or 10% of the vehicle’s selling price. BHPH dealers may require up to 20% of the car’s selling price.
  • Proof of residency in the form of a recent utility bill in your name.
  • Proof of a working phone (no prepaid phones), proven with a recent phone bill in your name.
  • A list of five to eight personal references with name, phone number, and address.
  • Valid driver’s license with the correct address, can’t be revoked, expired, or suspended.

Depending on your individual situation, you may need fewer or more items to apply for a bad credit auto loan. However, preparing these documents before you head to a dealership can speed up the process!

Ready to Get on the Road?

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Bad Credit

Entrepreneur Tae Lee Finds Her Fortune



By Jasmine Shaw
For The Birmingham Times

Birmingham native Tae Lee had plans last year to visit the continent of Africa, the South American country of Columbia, and the U.S. state of Texas.

“I was going to stay in each place for like four to six weeks, and then COVID-19 happened,” she said. “So, I just was like, ‘You know what, I’m just gonna go to Mexico and stay for six months.’”

Once home from Playa Del Carmen, located on Mexico’s Yucatán Peninsula, the 33-year-old entrepreneur put the final touches on “Game of Fortune: Win in Wealth or Lose in Debt,” a financial literacy card game for ages 10 and up.

“We created ‘Game of Fortune’ because we realized there was a gap in learning the fundamentals of money,” said Lee. “We go through life not knowing anything about money and then—‘Bam!’—real life hits. Credit, debt, and bills come at us quick!”

Lee believes the game “gives players a glimpse of real life” by using everyday scenarios to teach them how to make wiser financial decisions without having to waste their own money.

“I feel like [financial literacy] can be learned in ways other than somebody standing up and preaching it to you over and over again,” she said. “You can learn it in ways that are considered fun, as well.”

Which is why “we want the schools to buy it, so we can give students a fun way to learn about financial literacy,” she added.

Lee, also called the “Money Maximizer,” is an international best-selling financial author, speaker, coach, and trainer who is known for her financial literacy books, including “Never Go Broke (NGB): An Entrepreneur’s Guide to Money and Freedom” and the “NGB Money Success Planner High School Edition.” The Birmingham-based financial guru focuses on creating diverse streams of income in the tax, real estate, insurance, and finance industries.

For Lee, it’s about building generational wealth, not debt.

Indispensable Lessons

Lee got her first glance at entrepreneurial life as a child watching her mother, Valeria Robinson, run her commercial cleaning company, V’s Cleaning. Robinson retired in 2019.

“My grandmother had a cleaning service, too,” said Lee. “So, even though I didn’t start out as an entrepreneur, watching my mom and grandma do it taught me a lot.”

Lee grew up in Birmingham and attended Riley Elementary School, Midfield Middle School, and Huffman High School. She then went on to Jacksonville State University, in Jacksonville, Alabama, where she earned bachelor’s degree in physical education. She struggled to find a career in her field and became overwhelmed by student loans.

“My credit and stuff didn’t get bad until after college,” she said. “I was going through school and taking money, but nobody told me, ‘Oh, you’re gonna have to pay all of this back.’”

Before embarking on her extensive career in money management, Lee had not learned the indispensable lessons that she now shares with clients.

“‘Don’t have bad credit.’ That’s all I learned,” she remembers. “Financial literacy just wasn’t taught much. I learned the majority of my lessons as I aged.”

In an effort to ward off collection calls and raise her credit score, Lee researched tactics to strategically eliminate her debt.

“I knew I had to pay bills on time, and I couldn’t be late with payments,” she said.

Lee eventually began helping friends revamp their finances and opened NGB Inc. in 2017 to share fun, educational methods to help her clients build solid financial foundations.

“People were always coming to me like, ‘How do I invest in this?’ and ‘How do I do that?’ So, I said to myself, ‘You know what, people should be paying to pick your brain.’”

Legacy Building

While Lee enjoyed watching her clients reach milestones, like buying a new car with cash or making their first stock market investment, she was also designing “Game of Fortune” to teach the value of legacy building.

“The game gives players the knowledge to build generational wealth, not generational debt,” she said. “It gives you a glimpse of life, money, and what can truly happen if you mismanage your coins.”

Using index cards to create her first “Game of Fortune” sample deck, Lee filled each card with pertinent terms related to debt elimination and credit and wealth building. She then called on a few friends to help her work through the kinks.

Three of her good friends—Barbara Bratton, Daña Brown, and Sha Cannon—were just a few of the people that gave feedback on the sample deck.

“From there I met with Brandon Brooks, [owner of the Birmingham-based Brooks Realty Investments LLC], and four other financial advisors to fine-tune the definitions and game logistics,” Lee said.

Though Lee was unable to land a job in physical education after graduating from college, she now sees her career with NGB Inc. as life’s unexpected opportunity to teach on her own terms.

“Bartending and waitressing taught me that working for someone else was not for me,” she replied. “In order to get the life I always wanted, I had to create my own business.”

In her entrepreneurial pursuits, Lee strives to be an open-minded leader who embraces the need for flexibility.

“COVID-19 has shown me that in entrepreneurship you have to maneuver,” she said. “When life changes, sometimes your business will, too. You may have to change the path, but your ending goal can be the same.”

“Game of Fortune: Win in Wealth or Lose in Debt” is available and sold only on the “Game of Fortune” website: To learn more about Tae Lee and Never Go Broke Inc., visit and or email; you also can follow her on Facebook ( and Instagram (@nevergobrokeinc).

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