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Paydays are the most eagerly looked forward to days in the entire month. It’s the day our coffers fill up and a general sense of wellbeing pervades the atmosphere. The long awaited personal gift can be bought, dinner at the fancy restaurant is a possibility and some wise folks even add up to their savings faithfully at the end of that day.

There are however quite many people for whom the joy of the payday lasts no more than a few seconds. These would generally be those who have payday loans to repay. Even before they can feel the money, it’s gone!

What is a payday loan and why exactly is it so monstrous? A payday loan is a loan of small amounts taken with an acknowledgement to pay back the same when the next earliest paycheck is received. The loans are usually for small amounts not more than $1000. These loans are easy to obtain, as the lenders do not require a credit check or collateral.

Such loans are also seen as emergency money that may be required by anyone at any time and such that can’t be covered by existing funds or due to inaccessibility of the same.

For example, a breakdown of the heating system in winter requires immediate attention. If you do not have the immediate funds you take a payday loan to have the same rectified.

There are however certain problems related to such loans that many overlook.

One of the most important problems is the high rate of interest that is charged on such loans. It comes across as grossly unfair when you compare the rates with those of the other loans and discover that the annual percentage rate (APR) of a normal loan would be 7% while that of a payday loan averages 400% and even higher.

Then there are also charges applicable for the service. For example, on a loan of $100 you may have to pay $20 thereby bringing the total payable on payday to $120.

Moreover if you fail to settle the amount on payday you can roll over the same but for which you will be charged the applicable rate of interest. You may also be charged fees for your inability to settle the same on the due date.

As these loans are usually taken for short periods, about 14 days approximately this means that any rollovers claim increasing rates of interest. The borrower then gets into a never-ending credit cycle that is very hard to break.

If a payday loan is taken from unlicensed or unregulated lenders it only makes the matter worse. Moreover if you have not received the terms and conditions of the loan in writing prior to commencement, then it becomes even more difficult to assimilate the total charges due. This can only cause more confusion and problems for the borrower.



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Payday loans are the cash advances for short period. They are usually projected in the lime light with many so called advantages such as fast processing and increased approval rate. It requires no collateral security except a postdated check, which is dated on your payday. And moreover, it is available for even bad credit people since credit checking is avoided in payday loan processing. But, these factors alone do not qualify the payday loan as a safe one. Many experts used to refer the payday loan as a culprit, which prey the people in financial crisis. They have sum-up the reasons substantiating the risk of payday loans to mainly five.

The first and the most alarming reason behind the payday loan is the high interest rate. The payday loan is a characteristic unsecured loan with high interest rates than any other secured loan. But, the risk in the payday loan is that its interest rates are higher than even any other unsecured loans, which may be as high as 300%. The high interest rates will certainly be a burden for you since you are already in the crisis.

Moreover the time available to repay the loan is also very short. You have to repay the total debt amount including the principal amount and the interest rate by the next payday. It will be a great difficulty as it can take up a lion share of your income. Then people will be forced to fall into the rollover loan, which is a bigger risk. The pending amount of the loan can be split into installments but the interest rate will be multifold and the late fees also will be charged. It will be in a sky rocketing pattern that will be hectic for a common man to manage.

The security risk involved in the online processing is another reason to avoid the payday loans. You have to intimate the bank account number, social security number and other such financial and personal details for the loan processing. It will be like a suicidal attempt, if your vital information gets to any of the internet fraudulent. The unfavorable hidden terms in the agreement is an associated risk of the payday loan. Some would have included terms and conditions to automatically renew the loans or other one sided terms.

The impact of repeated payday loan applications to the credit score is considered to be a risk that may result far reaching consequences. Even though payday loans are said to be fast processing, you have to meet the necessary requirements such as a checking account, and direct checks. If your payday applications are rejected, it may badly affect the credit report.

The 5 reasons seem to be potential enough to ruin your financial stability. It is always better to avoid payday loan, if you have any other option. However, the availability of money at the right time of necessity should be certainly appreciated. Anyway, the hidden dangers behind the helping hand have to be assessed carefully before stepping in. The warning of the Consumer Federation of America (CFA), regarding the payday loans has to be taken seriously and based on the guidelines you can find secure payday loans.



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Have you ever experienced a shortage of cash in between paychecks? If you are like most Americans, you will be living from one paycheck to another.

However, there are times when, no matter how strictly you stick to the budget, you still find yourself short of cash three or four days before your next payday.

Instead of frantically looking for a friend who will lend you enough money to see you through the next paycheck, why not get an advanced payday loan?

‘Payday Loan Defined’

A payday loan is also known as a cash advance, payday advance or paycheck advance. No matter which term you call it, the loan basically works in the same way.

A payday loan is a short-term loan which employees use to fulfill other financial obligations in between paychecks. This shortage of cash in between paychecks is a usual occurrence especially for those who are living from paycheck-to-paycheck.

A cash advance is a great way to fill in any gap in between your paychecks. This loan does not usually exceed $1,500.

There are a lot of payday advance companies offering this type of loan. Although they are all the same in principle, one company may vary from another in terms of payment rules and other factors involved with the borrowing of the money.

Take a look at some factors:

o Secured versus non-secured short-term loans

A secured advanced payday loan usually involves a post-dated check issued by the borrower. The check amount would include the loan quantity along with the predetermined interest. The date indicated on the post-dated check is usually the borrower’s payday. This is how the term payday loan was derived. On the day that the borrower is supposed to get paid, the lender can cash the post-dated check.

On the other hand, a non-secure advanced payday loan offers a no-hassle cash advance option. It basically works the same way and the payments are made through an electronic funds transfer.

o Form of Loan Payment

Although an advanced payday loan does not usually involve a huge amount of money, some lenders still prefer to transact through electronic transfer instead of giving cash directly to the individual seeking the short-term loan.

Others, however, feel safe enough to give you the cash outright providing that you have met all the requirements.

o Repayment

Repayments for short terms loans are usually made when the lenders would cash in the post-dated check, depending on the borrower’s payday.

For banks who offer advanced payday loans, the payment for the cash advance is taken out of the next bank deposit. Just like any other payday advance companies, banks charge a particular fee or interest for the cash advance.

An advanced payday loan is a great way to fill in any shortage of cash in between paychecks. So, if there is a financial emergency, or you probably just want to get something special for yourself or a special someone, get an advanced payday loan to breeze your way through your next paycheck.



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Payday Loans Are Unsecured Personal Loans

Payday loans and cash advance loans are personal loans that carry no security. Don’t be surprised when searching for unsecured personal loans if you come across many sites offering payday loans. Usually people arrive at these sites searching for unsecured personal loans with longer repayment programs with several installments to repay the loan. If you are searching for these loans, make sure to include that fact on the search field or you will be directed to payday loans too.

Payday Loans Carry Fixed Amounts

Though you can request the amount you need, there is always a range that you need to respect, usually payday loans offer a minimum of $100 and a maximum of $1500 or $2000 at most. This means that if you need higher amounts you should resort to other forms of financing. You can always request more than one payday loan (from different lenders) but the repayment of two payday loans at the same time can be a bit complicated and onerous.

Payday Loans Charge Fees Rather Than Interest Rates

To make things simple for applicants and probably to disguise the fact that the interest rates charged for these loans are too high, payday loan lenders promote their payday loans featuring a fixed fee every $100 or $1000. For instance, you can see on newspapers advertisements or on the internet offers stating to charge only $10 every $100 borrowed.

This implies an annual percentage rate of 120% which is overwhelming. Yet, since these loans carry short repayment programs, they make sense for emergencies. An unsecured personal loan with a longer repayment program and that rate would be simply abusive.

Payday Loans Are For Emergencies

Given the characteristics of payday loans, these financial products need to be used only for emergencies. They serve this purpose very well because there are no credit checks and the money can be deposited into your account by the next day without hassles. These cash advance loans however, can´t be used as a regular source of financing because the interests or fees accumulate easily creating and building up debt uncontrollably.

Payday Loans Require No Credit Checks

There are no long credit verification processes on payday loans and therefore, your credit will not be an issue. This implies however, that the lender will assume the worst and thus, the charges will be high enough to compensate the risk that defaulters represent. Understand that you are not only paying for the risk you represent but also for the others’ as the others are paying for yours too. This may sound unfair but it’s the only way creditors cover for the risk they take.

Conditions For Qualifying For Payday Loans

In order to qualify for a payday loan there are basically two simple requirements: you need to show proof of income with copies of your paychecks or tax presentations and you need to have a bank account where the money will be deposited. If arranged, the amount owed plus the fee will also be debited from that account



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A no-fax payday loan is basically a loan that an individual secures to meet an emergency that arises before his payday. The loans can range anywhere from as low as $50 to as high as a $1000. Emergencies that would require this type of loan can also be just as varied. Some people take out loans to pay for a sudden medical expense, some to pay for emergency bills, some to pay for car repairs. Emergencies such as these might leave no time for a person to go through the traditional way of borrowing money or taking up a payday loan. However it is important to keep in mind that payday loans can end up costing a fortune in extra fees, so they should be approached with great caution.

The conventional route usually involved going to a payday loan counter, or calling them up. Before companies would loan you, you would be faced with endless requirements, not the least of which is faxing them your credit standing and your credit history. After this, the company would still have to check your credentials and verify them before they can even begin processing your loans. The process can take as much as up to ten days so by then, your roof would have already collapsed, or your car might have stalled, or your electricity cut off. The traditional way sometimes might not suit the purpose of taking a payday loan, which was to pay for an emergency.

No wonder then that the no fax payday loan companies became popular. These companies rose as an alternative option to those seeking payday loans in a faster way. Many companies have gone hi-tech, employing the World Wide Web to enable borrowers to access loans on a very short-term basis. In some online arrangements, borrowers still need to submit some few things, but in a more streamlined no fax payday loan processes, consumers can simply just log on the net and get cash into their accounts in as a fast as less than an hour. An online loan is first, a private transaction, and second, it is hassle-free.

Also, no fax online payday loans have no specified time limit for applying loans. There are several factors that can turn your application process to your favor. One, of course, is having a good credit history. Individuals with a sterling record, such as prompt payments on loans can give you a faster loan process and even a lower rate of interest. The good news for those who don’t have a good credit history, or those do not have a credit history at all, is that they can still avail of loans, whether it be in a physical or online environment. One catch is that the rate of interest for those people is higher than the others with a good credit background.

When looking for an online payday loan site, it would be a good idea to look for a site that operates in your own state. Rules concerning no fax payday loans can vary from state to state, so it’s essential for consumers to be aware of such things as posted interest rates, charges and other fees. It’s also easier for a consumer to fight their case should any discrepancies arise. Other things to check when visiting a website include testimonials from other people who have patronized their services and the “about us” section of the company, to familiarize yourself with the company’s history, record and exactly where the company belongs to. Also search on the internet to see if the company has ever been in trouble with their state regulators. Be careful who you deal with.

Online sites will ask you to fill in a few details such as your address and phone number, after which a customer support representative will usually call you and verify your details. After this, you may be able to collect your cash at a particular point, or the money is transferred to your account. When your loan has been approved, do keep in mind to pay your loan as soon as possible. Remember that a good credit history is important when making future loans, not to mention that companies mete out a fat penalty for non-repayment or failure to pay. So when you go online, read the terms and conditions of borrowing money very carefully.



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Payday advance loan saved my hide once again. I didn’t think I would have to call on them again, but the unexpected happened, and if I were not able to take out a payday loan then I wasn’t sure just quite what I was going to do. It can happen to anyone, things just go haywire for a while, it could be doctor’s bills, car repairs, or even feeding the in-laws, and you get to the end of the month and there is just not enough money left to pay those pressing bills.

This is where a payday loan can be worth its weight in gold. That’s not only my opinion. Thousands of Americans rely daily on keeping their finances in black, using an advance payday loan. This source of funds, lends you money against your upcoming pay, with interest charged of course, but obviously a payday loan is going to be far superior than pawning the family jewels.

A payday loan though, is something to be kept for emergencies only, but it is exactly at these times of desperate needs that this special action is warranted. Paying the interest on a payday loan, even though it is for a short period of time, is not something that you would want to be doing on a regular basis. But, when you have the debt collector at your door, or a pressing final payment to be made, or your utilities are about to be disconnected, then it is with relief that you know you can visit the payday loan providers. And because the formalities are reasonably simple – sometime it takes only faxing a form, it’s a very convenient and fuss-free source of cash.

As in most of the financial services, there are some dishonest operators who target those in a desperate need of cash, using unscrupulous tactics. Although the law tries to curtail their bad practices, there are still some that operate almost like loan sharks did many years ago. The best way to prevent becoming a victim of one of them is to make sure that you deal only with licensed money lenders. Besides, even though you may need the cash now, it pays to do some quick search.

Online payday advance services give you a chance to arrive at the best deal reasonably fast. Even a simple search on Google, Yahoo! or MSN, will bring websites of many competing lenders from across the US. You” have no problems finding a reputable business in your location. They will warn you whether they deal with applications from bankrupts, or bad credit risks. If your credit score is less than perfect, you’ll find repayment of your payday advance loans on time, an easy way to score good marks on your credit file.

If you find yourself needing the services of a payday loan, then it will pay you to shop around. See who looks the most reputable, who is offering the best deal on bad credit loans, and don’t forget to read the fine print on the contract. If you don’t repay your payday loan on time then you just may be far worse off than before. Their late payment fees on a payday loan are not going to be attractive. And a final word of warning: don’t borrow what you can’t repay!



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This is usually a small, high interest loan product that an individual can avail of through a commercial bank and other financial and lending institutions that offer this type of service. Before availing of a cash advance product, it is important to know and understand the different inherent issues about it. Going ahead and availing of a cash advance without knowing enough about the product and pertinent issues surrounding it may lead to extremely complicated problems.

For instance, it is important to understand that since this kind of loan is a credit product then it naturally follows that there are different groups that offer this said product and one must “shop around” for the best product to be assured of making the right decision. This means that before making any legally binding agreements with a lending firm, make sure that you have looked around and compared the different products to ensure that you have found the best available one for your needs and circumstances.

The most usual and most common payday products that are offered by commercial banks particularly through their credit cards and by small lending companies usually through what is called a pay day loan.

A cash advance from a credit card can be availed over the counter; meaning you may transact with a bank teller to process your cash advance but most credit cards now offer the convenience of availing of a cash advance through an automated teller machine (ATM). To choose whether to make a cash advance with your credit card over the counter or through an ATM, find out which transaction will cost you less. Some banks charge a transaction fee for each transaction done over the counter in some cases the fee is waived for a cash advance made through an ATM.

Before making an advance transaction through your credit card, understand that this transaction is a bit more complicated than a regular transaction. For one thing, in most cases, the cash advance item incurs its own set of interests over and above the regular credit card fees and duties that you may accumulated for a given time. The accumulated interest rates from a transaction like this one can easily put you in deep debt if you are unable to manage your finances correctly. It is important to pay your cash advance item from your credit card on time so that you can avoid additional interest charges.

If you don’t have a credit and need a reasonable amount of cash which you expect to be able pay off in a short period of time, then you may decide to avail of a cash advance product more often referred to as payday loans. This is borrowed to you by a lending institution for a credit term no shorter than 14 days and probably no longer than 30 days. Take note that pay day loans are not legal in all states.

The extremely short credit term combined with an extremely high annual percentage rate (APR) of interest can potentially be financially debilitating to an individual which is why the Federal Trade Commission continues to monitor fraudulent pay day loan transactions which have been reported to them. On the other hand, some banking departments from the different states have gone pro-active and have made payday loans illegal.



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If you availed of a cash advance loan in the hopes that this will help your financial situation only to find out that you are in much dire straights now, there are some options you can explore to be able to begin freeing yourself from debt.

The first thing you have to understand when trying to recover from a cash advance is that you need to find a way to pay the loan in full. This means you have to stop extending the loan or stop the “roll over” because this is incurring you more debt and it will take you longer to pay off whatever amount the loan has grown into at this point. Naturally, if you had the money to pay the cash advance loan off to begin with, you wouldn’t be in the predicament you are in. To be able to pay of your existing cash advance loan, you will need to take out another loan.

Do not however, take out another loan, if the cash advance you made was of the payday loan type, don’t bother taking out another one. You will find it extremely difficult to recover from your debt if you don’t immediately free yourself from that type of cash advance. To do this, you may consider speaking with a professional. Call or visit your preferred commercial bank and ask about their products and services that can help you out.

You may decide that a balance transfer for your cash advance is in order. For this, there are personal loans and balance transfer offers from commercial banks. What this means is that once your loan is approved, the bank will pay for the full amount you owe because the cash advance you have made in the past. If it is a personal loan then the amount will be paid to you. If it is a balance transfer type of product then the bank will pay the third party directly. In turn, you must pay the bank the amount that they shelled out under the terms that you agreed upon.

Getting another loan to pay for your loan is only a good idea if you find a product with a really good offer. For instance you owe a total of $500 from interests and fees incurred. If you only can afford to make $50 payments per month to pay this loan, it will be close to impossible for you to ever be able to pay off your initial cash advance. If you transfer the amount of $500 to a commercial bank through a personal loan or balance transfer facility and they offer you a preferred deferred payment rate that will allow you to pay $50 for 12 months to cover your debt then you will finally be able to begin your way to being debt free.

If you are unable to acquire a loan from the bank because of bad credit and you are in dire need of help with restructuring your cash advances debt, consult the local consumer credit counseling service in your state. They will be able to give you pertinent advice and will help you work out a plan and budget to be able to recover from your cash advance.



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Cash, every person in this modern world needs cash to get by in every day. However, for most people, cash can run out easily. Still days to go before the payday and you might be running out of money at hand. This is when you need to seek for extra cash.

It is relatively easy to get that extra cash immediately, especially in cases of emergency or urgent needs. There are cases when you suddenly have a medical condition to attend to or something to repair in the house. If your monetary needs will only range from 100 to 1000 dollars, then you can easily grab the chance of getting payday loans. You will see that this option is something that you can make good use of.

What Is a Payday Loan?

There are companies out there that grant payday loans. This is a loan that you can take when you are in desperate necessity to have cash. You can exchange your paycheck for the coming payday for cash. This is a cash advance option that can help you during difficult times.

Grab Payday Loans Right Away

Since most of people who are in sudden need of cash are most of the time facing emergency situations, the process of getting a payday loan has been made easier. You need not wait for weeks or even days before getting that cash since this is basically a short-term loan.

Payday Loans Requirements

In order to benefit from this payday loan option, it is very important for you to know the requirements so that you can prepare for it properly. Once you are able to comply with the requirements, then you can get that extra cash you need.

The first thing you do is to find a company where you can apply for a payday loan. You can use your computer to get immediate access to online companies that can give you the payday loans. This is a very convenient way of getting that extra cash you need.

There are certain questions that you have to answer when you get the application. These will be relatively easy for you to comply with. These questions and other requirements may vary from one online company to another. Just be aware that most of the time, the minimum requirements is to be employed and to have a checking account. Some of them will require certification and you will have to fax this in compliance.

The rates can also vary but they are relatively affordable. You can also get an opportunity to arrange the period of repayment. You can have this set up to 30 days. All you have to do is to take the time out to search among the different online companies for the one that can give you the best offers.

Once you have fully complied with your requirements, you relax for a while and wait for some time. In just a few minutes, your cash advance will be already available in your bank account. That is definitely a fast way of doing things. To top it all off, they will not even bother with your credit history. This is definitely a good alternative for people in deep need of money.



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Payday loans for people with bad credit can give you access to the cash you need at times when it is needed the most. Maybe your car broke down, your electricity was turned off, or you have a hospital due? Most people do not have the extra income to deal with unexpected situations when they arise. If you have bad credit, a traditional bank loan is more than likely out of the question.

Where does that leave you? You can ask friends or family, but most people are reluctant to do so. With such few other options available, a payday loan for people with bad credit might just be your best option. Here are 3 helpful tips on bad credit payday loans that will save you some money and improve your credit in the long run:

1) Find a Lender who Reports to the Credit Bureaus

While lenders who provide payday loans for people with poor credit will not actually pull your credit, they can very well report your loan to the credit bureaus. This is actually a good thing, and something you should look for in a lender. If you do have bad credit, you should be working to improve your credit situation. By paying your bad credit payday loan off on time, your lender will report positive information to the credit bureaus and your credit score will go up each time you get a loan.

2) Compare Interest Rates

Interest rates on payday loans for people with bad credit are always high, as they are unsecured loans. The typical interest rate is around 20-30%, working out to be $20-$30 for each $100 that you borrow. However, these rates can vary significantly from lender to lender. Let’s take a look at an example scenario. You are looking to borrow $500 with a payday loan for people with bad credit.

Lender A charges 20% interest and Lender B charges 30% interest. That does not seem like a huge difference right? Wrong. That difference could cost you an extra $50, actually more due to the way interest works. That being said, be sure to shop around and compare interest rates when looking for payday loans for people with bad credit.

3) Only Borrow What You Need

Many people who get payday loans for people with poor credit will get a loan amount in excess of the money they actually need. For example, they need $500 to fix their car, but yet they borrow $1000, giving them an excess of $500. It may be tempting to ask for more money than you need when you are applying for a payday loan, but you need to resist the temptation.

As mentioned previously, these loans carry high interest rates and so the more you borrow, the more interest you will pay. Therefore, it is wise to only get the minimum amount of money you need to fix your financial situation. Doing otherwise will cost you more money and will put you at a greater risk of not being able to pay the loan back when it is due.

Payday loans for people with bad credit can be obtained for any reason at any time. These loans can provide you with up $1,500, and it can be deposited directly into your checking account in 24 hours or less. Some lenders can even provide you with your loan amount in less than 1 hour from the time you apply.