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      February 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.

The Benefits Of Payday Loans

Although there are a number of benefits to being able to get fast cash when you need it, the most obvious reason for payday loans is to help out when unexpected emergencies arise. As their name implies, payday loans grant borrowers a certain amount of money secured by their next paycheck. When one of lifeís unexpected events occur, you can use payday loans to make sure that the unexpected isnít the unaffordable.

If you are in a temporary slump resulting from unforeseen expenses, such as a car repair, doctor bill or perhaps even a higher heating bill during the winter, you may find that itís difficult to squeak by with your finances until the next payday arrives. Perhaps you took a vacation, which not only costs money but may also involve days missed of work, and you need some extra money for the necessities until payday or maybe you need to take care of some necessary home repairs. Whatever the case, one of the main benefits of payday loans is to be able to get quick cash when and if you need it.

Many people may not realize this but obtaining a loan, even a very small one, can be a task if you have bad credit. Payday loans do not typically require credit checks, which means that your credit history may have little or no bearing on whether or not your loan is approved. When it comes to payday lenders, they are more concerned with your current ability to repay than your past. In order to apply and be approved for payday loans, you must have a steady job and enough income to repay the debt. As such, the ability to obtain fast cash with less than perfect credit is another benefit of payday loans.

With credit cards or traditional bank loans, even when requested in small amounts, the approval process can be lengthy. With a credit card, you have to apply and wait for days before your card arrives in the mail. If you apply for a traditional loan, you may have to wait for several days before getting an approval. Payday loans, on the other hand, are fast and convenient. Because they are designed to provide fast cash, the application process is nothing short of the same.

If you are able to repay payday loans quickly, you will enjoy not being inundated with finance charges and fees. If a payday loan continues to roll over, or remains unpaid, additional fees may occur. As is the case with any type of loan, the faster you pay it off, the less money you will pay in the long run. If you are in a situation where you cannot repay payday loans on the date of your next paycheck, you will need to check with your lender to see if they will extend the loan for a longer term.

Matson: House bill caps interest rates on payday loans

A key component of my message to voters in the last election was the critical work we need to do to ensure economic security for all Iowans. No matter where I was in the district - from Ankeny to Norw...

Published:  Fri, 22 Feb 2019 11:27:00 GMT



Lawmakers drum up support for payday loan reform bill in Mountain Brook

Six years ago, Sherry Amos Prater entered her bank to withdraw $25. "I was told, "ėMrs. Amos, you don't have cash,'" the teller told the Vestavia Hills resident. Prater's bank balance dwindled to zero ...

Published:  Thu, 21 Feb 2019 21:51:00 GMT



A Defense of Payday Loans

Ramesh Ponnuru - Ramesh Ponnuru is a senior editor for National Review, a columnist for Bloomberg Opinion, a visiting fellow at the American Enterprise Institute, and a senior fellow at the National R...

Published:  Wed, 20 Feb 2019 08:41:00 GMT



This Week's Podcast: A Discussion of the CFPB's Proposed Changes to Its Payday Loan Rule [PODCAST]

The CFPB is proposing to rescind the ability-to-repay provisions of its payday loan rule and delay the provisions' compliance date while leaving in place the rule's troublesome payment provisions and ...

Published:  Thu, 21 Feb 2019 12:42:00 GMT



New payday loan law is now in effect

COLORADO - Colorado's new payday loans law is now in effect. Voters overwhelmingly backed Proposition 111 during the election last November. The loan interest rate for borrowers is now capped at 36-pe...

Published:  Fri, 01 Feb 2019 20:00:00 GMT



Payday loans offer fast money, but fees and interest leave many Virginians deep in debt

With just a few days to go to pay for her final semester at Norfolk State, Nadeen Williamson decided she'd like to pay the whole bill off at once, rather than do another student loan. After Googling " ...

Published:  Wed, 02 Jan 2019 10:03:00 GMT



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