Tricks to Consider Before Getting Payday Loan

To begin with you will want to take into consideration if you qualify. Before you assume that you are even eligible to receive a payday loan you must meet certain qualifications. Most facilities require that you have a job and pay stub. You also must make a certain amount of money per month to get a loan. You will also need a driver license or ID. There are other requirements companies may have depending upon which company you choose to go to. Some companies may require a credit check and require that you have fair or decent credit.
It is important to call each facility and ask them what they need from you so that you are able to provide the proper documentation so you can get approved.

The next thing you will need to consider about payday loans are that you are not only going to be paying your loan amount back but the majority of the time you will be paying back an extremely high interest rate as well. This is how companies that do payday loans get their profit. They will loan you a certain amount of money, but you are going to be looking at a heft amount in interest too. You need to ask yourself if it is really worth the extra amount of interest you are going to be paying back and if you might need to consider exhausting other means. If you do not have the means to pay back your payday loan plus the extra money in interest you will be paying, you should probably avoid getting one.

The last thing about payday loans you should take into consideration is if you live by a strict financial budget. If you are having to adhere to a budget and you know that you do not usually have any extra left you should avoid doing payday loans. Payday loans are for emergency situations and should be treated as just that. Many people fall into a dangerous financial trap where they take out one payday loan pay it back and then immediately take out another. This is something that should be avoided at all costs. You have to think about the repercussions of if you are not able to pay the loan back due to the fact you get ill and cannot work or there is a problem with your paycheck and you cannot get your payday loan paid back by the time it is due. When you agree to do a payday loan you must remember this is a legal binding agreement you should not take lightly. To break this agreement can have serious repercussions.

Payday Lending

It is important to learn there are solutions we can turn to in situations like this and these solutions each have a different effect. We may try really hard to save our money but sometimes things happen that our outside our control.

When a rent payment is coming up you generally try to have enough money in the bank to pay it. This can be difficult though when other things arise that same week like if your car breaks down.

You have only enough to pay off the rent but you have to fix your car in order to get to work. You consider just not paying your rent on time.

If you could wait another week then you would get your next paycheck and easily pay off your rent. The problem with doing this is landlords charge a late fee on late rent.

This is usually a percentage of your rent which translates to a substantial amount. Because you do not want to pay this fee you look to other solutions.

Another thing you can choose to do is write out checks for both bills even though you know you do not have enough money in your account to cover the costs. In doing this you hope they will be late in taking the checks to the bank.

If they wait to deposit them, you might be able to get to the bank with your next paycheck in time and make sure there is enough money in your checking account. The thing to remember is you are giving your checks to businesses and businesspeople.

They are interested in getting that money and thus will most likely take your check in that night or the next morning. When they do one of the checks will bounce.

When checks bounce banks and other financial institutions charge your account a fee which usually ranges from $25 to $50. Payday lenders recognized these situations can be costly and thus decided to offer short term loans that cost less than the alternatives.

With this in mind they created payday loans. This is one of the most rapidly growing industries because many people are starting to discover the benefits of these loans.

On a $100 payday loan you will be charged just over a dollar a day in fees. This means if your loan lasts two weeks you will only owe $115 back.

The shorter the duration of the loan, the less you pay. Because of this you should treat the loan like a cash advance of your next paycheck. Borrow it until you receive your paycheck and then be prepared to pay it back.

Although payday loans have these low fees, they have a high annual percentage rate, or APR. This just means they would have a high fee if they were to last a year.

Because they do not last a year, this translates to a normal fee. When taking out a payday loan you should remember to act responsibly.

As with any other kind of loan, you do not want to take it out because you want to buy something. You should weigh out your options and decide if the expense is necessary.

If it is not you should wait for you next paycheck. If the expense is for a need as opposed to a want then only borrow what you know you will be able to pay off.

When you do this you can save money from taking out a payday loan. Taking out a payday loan is very simple.

All you have to do is walk into any payday lender with a state or federally issued ID card, a checking account with your name on it, and proof of income, like a paystub. Upon showing these to the lender, you will discuss with him how much you want to borrow and for how long.

He will then explain to you how much you will owe in fees when the loan ends. When this has been established you will write out a check for how much you will owe when the loan ends and date it for that day.

Online Payday Loans

These online loans are too readily available for quick cash. All a person needs is proof of employment, usually a few paycheck stubs, your boss’s phone number, and two forms of identification. That’s it. Normally your credit score doesn’t even come into play.

The money is made available to you usually in 24 hours or less and is deposited directly into your checking account. Sounds easy right? Online payday loans usually come with enormous fees and potentially dangerous risks. Here is what you can look for to keep yourself safe and your identity in the clear.

The biggest danger is you. If you loose your job before payday, or your paycheck is not large enough to cover the “up to 60{9310e7fd1e1630367066d609eb0d44a095b9109b6869d289b4a4f2d3c8c95f98} fees” you could be owing money to the online payday loan creditor AND your banking institution. Associated fees, percentage rates, and payback percentages are big money making business for these companies.

How do you think they can afford to take such a risk? Of course, the payout has to be great for them to take it. Other dangers may be hidden fees not covered by your next pay day or initially only covered in the fine print you might not have read. Even more surprising is if your check is a day late and the creditor takes the money out of your now empty banking account. You wind up paying both institutions and up to double the original payback amount.

Other dangers aside from hidden fees could be identity theft, if the online pay day loan company is not FDIC ( insured and backed by a national institution.

The simple fact that they have access to your bank account to withdraw funds is heart pounding scary enough in today’s insecure world. Simple clerical errors are made everyday; they could accidentally take the money from your bank on the wrong day or for the wrong amount and this might not be in your favor. You could wind up with a huge mess on your hands and in your wallet.

You need to do a little research about your chosen online payday lender well in advance of the emergency. And you need to make sure that this is in fact, a real desperate emergency.

Making online payday loans a habit can lead to larger and larger fees each time and destroy your credit entirely. They are not a quick fix, not a long term solution to a money shortage, and they can quickly leave you completely shortchanged and even more desperate than before.

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