Welcome to Urchins of Newport Beach   Based in Newport Beach, California, Urchins was inspired by the need for chic hair accessories that go beyond the usual tortoise-shell model.   I started out making hair clips just for fun for people close to me, selecting different shells, crystals, and other materials to reflect their different styles and personalities. I loved seeing how a little addition like a hair clip could transform someone's personal style. no bank account cash advancepayday loans no checksfaxing loan military no paydaydirect payday lenders for bad credit