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      September 23, 2019

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Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

Applying For Payday Loans Online

If you are searching for payday loans, the internet is one of the most informative places to be. Not only that, but the internet can serve as a 24/7 loan office where applications are always accepted. There are a number of payday lenders that offer both a convenient and fast way to get the money that you need without even having to step out of your front door.

Most payday loans are available to anyone with a steady and verifiable income, a checking account, who is at least 18 years of age and is a U.S. citizen. In some situations, you may be required to earn a minimum amount of income each month in order to qualify for a cash advance. The majority of online applications take less than 5 minutes and often provide instant approvals.

Once a cash advance is approved and all documents have been signed or verified in accordance with the lenderís policy, the cash will be deposited into your bank account electronically. In some cases, depending on the verification process and the lenderís policy, a cash advance may be deposited the same day or on the following business day. Payday loans offer fast results and fast cash for those who qualify.

Payday loans, as the name implies, are designed to be repaid on the following payday. However, most lenders offer a policy that allows for an extension if you are unable to repay the loan with your next paycheck. For some, the loan may be automatically extended or you may be required to make special arrangements if you wish to refinance all or a portion of the original loan amount plus fees. As with any loan, you will avoid additional fees by paying the loan in full by the due date. If you are unable to pay the full amount, additional fees and charges will continue to accrue. Payday loans are no different and you can save a bundle by paying it in full and on time. Repayment methods vary by lender, but commonly involve the automatic debit of your bank account for the balance due.

Today, payday loans often help families who are faced with unexpected emergencies, including doctor visits, car repairs or simply find themselves short on cash and need a helping hand to carry them over until the next payday. Some may shy away from payday loans with the assumption that they would not qualify due to past credit problems. However, most lenders do not perform credit checks, which means a bankruptcy, charge-offs, missed or late payments will not be a factor in whether or not you are approved for payday loans. The most common deciding factor will be employment, income and the ability to verify both in accordance with the lenderís policy.

The newest workplace perk looks a lot like a payday loan

The newest workplace perk looks a lot like an old payday advance. This time it's not a loan, it's a way for workers to tap their earnings in real time, interest-free. When it comes to healthy ...

Published:  Fri, 20 Sep 2019 11:01:00 GMT



Our Opinion: The steep cost of payday loans in Indiana

Critics of predatory lending have long advocated for payday lending reform in Indiana. The findings of a recent study - which estimates the hundreds of millions of dollars drained from Hoosiers by ...

Published:  Sun, 22 Sep 2019 03:19:00 GMT



Consumer Advocates Pan New NCUA Payday Loan Alternative

Amid muted reaction from credit union lobbyists to the NCUA's new Payday Alternative Loan model (PAL II), consumer advocates said the agency plan still could lock borrowers in a cycle of debt. "The ...

Published:  Fri, 20 Sep 2019 07:53:00 GMT



California legislature votes to limit payday loans

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Published:  Tue, 17 Sep 2019 10:05:00 GMT



Nebraska ballot drive seeks to cap payday loan rates

LINCOLN, Neb. (AP) - Advocates for low-income families and children have announced a petition drive for a Nebraska ballot measure to cap the interest payday lenders can charge at 36% annually. The ...

Published:  Fri, 13 Sep 2019 18:22:00 GMT



Report: Payday loans cost Hoosiers millions

INDIANAPOLIS- Payday lenders have drained an estimated $322 million in finance charges from Hoosiers over the last five years, according to a new report from groups advocating for the state to rein in ...

Published:  Sat, 21 Sep 2019 21:08:00 GMT



Most Common Payday Loan Mistakes

Despite the convenience of short-term borrowing, it requires extreme caution. You will only be able to remedy monetary shortages and improve your life if you use such money wisely. Reckless borrowers ...

Published:  Fri, 20 Sep 2019 06:31:00 GMT



Improved Payday Loan Rules for CUs Will Help Underserved Americans Enter Financial Mainstream

Your article was successfully shared with the contacts you provided. Image: Shutterstock. Last year, an FDIC report detailed how tens of millions of Americans lack access to safe, reliable financial ...

Published:  Thu, 19 Sep 2019 09:54:00 GMT



Payday Loans - Five Frequently Asked Questions

Borrowed funds provided through the internet is a quick and convenient way of fixing monetary shortages. Online lenders eliminate the need for lengthy approval procedures and piles of required ...

Published:  Thu, 19 Sep 2019 01:10:00 GMT



California Lawmakers Pass Bill To Cap Payday Loans

Sonora, CA - The California legislature has approved a bill that would cap interest rates on payday consumer loans at 38-percent. It impacts loans between $2,500 and $9,999 and is designed to protect ...

Published:  Mon, 16 Sep 2019 08:05:00 GMT



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