Tips for Why A Payday Loan? If you’ve even faced financial hard times, you know that it seams that
everyone is after your money and they are going go add fees if you don’t make
your payments on time. A payday loan is a short term solution to solving your
financial problems.
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At one time or another, maybe several times depending on your good or bad
luck, an emergency will arise that a quick infusion of cash will solve but you
are like so many of us that just make it from one payday to another. And you
have little, if any, savings!
Maybe your auto mechanic gives you some bad news. You just came in for an
oil change. He checked your brakes and they are in bad shape and need to be
replaced right now! Two hundred fifty dollars will take care of it but you do
not have that type of cash on hand. You don’t want to ask your brother-in-law
again and have to listen to him tell you what a poor money manager you are.
You cannot go to Household Finance Company or any of those loan companies
because you need only a small loan for a short time. You don’t want to be
locked in to a minimum loan of $2,500 for a minimum payback period of one year.
Besides, you wouldn’t pass the credit check and your credit cards are all maxed
out!
What about the bank where you have your checking account? Forget it! Same
deal, poor credit history. And the loan officer would snicker at a loan
application for such a small amount of money.
But wait! Remember those ads you saw when you were surfing on your
computer? The ones that promised “Immediate approval with no credit check. Bad
credit, no credit not a problem. Get your cash now.” Think about it! You can
get square with them in one or two paydays at most. Maybe the charges are a
little high but solving your problem now without a hassle is worth paying a
little extra.
You can apply for an online cash advance on your computer from the privacy
of your own home. Since you’ve been on your job for over three months, all you
need to do is give them your employment information. You have a checking
account with some history and have not bounced any checks for well over a year.
And you haven’t had a previous online cash advance. Fill out your loan
application right now and you should be approved in an hour or two.
They will direct deposit the money right into your checking account and you
can give your auto mechanic the okay to fix your brakes. Yes, you saw the
interest rate on your loan. Depending on the state you live in, the fee will
run anywhere from $15 to $20 per hundred. If you roll over the loan to your
next payday, the fees will double but hey, peace of mind now is better than
being stressed out without your car.
Do some homework on your computer and see which one of the online payday
loan companies will give you the best deal. Learn what annual percentage rate
(APR) is all about because it makes a big difference in who has the better
terms. If you know someone who has done business with a payday lender, ask them
about their experience. Hopefully, you will find a lender who is content with a
fair profit and a satisfied customer who will recommend their friends and come
back from time to time when a small, short-term loan will solve a sudden
financial problem.
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