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With the recent state of the economy during the past few years alternative for getting short term cash advances are becoming much more common. One of the most popular alternatives is payday loans, also referred to as cash advances. Using a payday loan service can be a good source for emergency cash for an unexpected bill, or sudden car repair, etc. Because payday loans are growing in popularity, many people simply want to know just what a payday loan is, and if it is an option for [link widoczny dla zalogowanych] them.
Exactly as the name sounds, payday loan is a short term cash advance. The cash advance can be anywhere from a couple hundred dollars to as much as fifteen hundred dollars in some instances. The advance is only intended as short term loan. Payday loans are set up to typically be paid back in full approximately 7 to 14 days.
Most payday loan companies do not use teletrack and there are no credit checks. The basic requirements are that you have evidence of your identity? be over 18 years of age? verify your monthly employment income by pay stubs, etc. or accepted monthly income like social security payments. You have to show them that you have [link widoczny dla zalogowanych] the ability [link widoczny dla zalogowanych] to repay the loan.
There are two basic methods to obtain a payday loan:
1) You can choose to go to a payday loan store or place of business and apply there. Different companies have different procedures but the basic similarities are that you complete an application and secure the loan by giving them a post dated check. The check is dated for the day the pay back amount is due. You [link widoczny dla zalogowanych] can choose to go and pay the amount, and the check is given back to you. Or you can just allow them to process that check on that particular day.
2) Many more people feel that a much more convenient option is an online payday service where you can apply right from your computer from the comfort of your home. When online cash advance services [link widoczny dla zalogowanych] are used the money is deposited directly into your account. And then on the agreed upon date when the payback is due, that money is deducted from your account.
The crucial thing to be aware of with payday loans or cash advance services is that they are not the same thing as a regular installment loan you would get from a bank, credit union, etc. Those type loans [link widoczny dla zalogowanych] are set up to be repaid over an extended period of time by making a set payment each month until paid in full. But with payday loans the full [link widoczny dla zalogowanych] amount plus the agreed upon charge is due to be paid back in full [link widoczny dla zalogowanych] in approximately 7 to 14 days.
So these are two completely different categories of loans and should not be compared together. Payday loans intentionally are designed to help out in situations where you need quick cash on a temporary basis to cover an unexpected bill or an emergency situation until you get your main source of income which typically is employment pay day.
The majority of the criticisms that you may hear about payday loans is because [link widoczny dla zalogowanych] people incorrectly compare them to regular installment loans. This would clearly make the payday loan fees appear at a [link widoczny dla zalogowanych] much higher interest rate.
The significant thing is to know exactly how much it will cost upfront BEFORE you agree to accept the payday loan. What you will commonly find is that fees are approximately $20 to $30 for every $100 advanced to you. So if you accept a $100 payday loan? you can expect to pay back as much as $135 about 14 days later.
As the repayment due date gets near and you are unable to repay a loan as scheduled, [link widoczny dla zalogowanych] most companies will work with you and agree to extend the [link widoczny dla zalogowanych] loan allowing more time for repayment. Of course there will be an additional fee involved for the extension.
A payday loan is actually a simple procedure. Plus applying online makes it a very convenient process. And the fact that most companies have no teletrack credit checks makes payday loans a good source for people with less than perfect credit, and in need of quick cash for a temporary situation.
Just make sure that you know all the terms upfront before you accept the money. Make sure you know the total payback amount that will be due. And be certain of the exact date it will be due. And that you will have the ability to pay it when it is due.
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