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What Are Payday Loans?

Payday loans are short term loans that can help you get through a rough spot when you need money fast. Most payday loans are for short time periods like two weeks. Most payday loans are for small amounts of money, say a few hundred up to a thousand dollars.

How To get payday loans

To get a payday loan, you usually have to meet several criteria which can vary depending on the lender. In most cases, you need to have a current bank account and be working and provide other information about your identity so the lender can be sure they are loaning the money to the right person. There are fees associated with the loan. One great thing about payday loans is that if you cannot repay the loan like you originally thought and agreed, you can ‘roll it over’ and extend your repayment. There are additional fees when you do a ‘roll over’ so be sure to only do this when you absolutely have no other option. Most lenders also allow you to pay some of what you owe if you do not have the full amount as well as allowing for a ‘roll over’.

Payday Loans – A Less Expensive Alternative To Instant Cash

Payday loans can be less expensive than bounced check fees and overdraft protection programs depending on each individual program. Check your accounts to see what the fees are before you choose the payday loan so you are sure you are saving money. Payday loans are often one of the fastest and easiest ways for you to get money when you need it.

For example, you have a friend or relative who was arrested and needs bail money to get out. Perhaps they will lose their job if they can’t get out right away. You don’t have the cash in your account right now. A quick payday loan and the money is in your account tomorrow, or if early enough in the day…. today. You bail out your friend or relative and they go back to work and don’t lose their job. Many friends and relatives will even offer to pay back the loan you took out.

Payday loans are often better than tax refund loans when you compare the costs of the two. This can also be true when you look at things like the reconnect fees and penalties if you have your electricity cutoff or your phone/cable cutoff. Check your service providers terms and you may be surprised at what they can charge you if you don’t make your payment on that final notice.

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