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      September 23, 2019

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Payday Loans FAQ

Question: How much can I request when applying for payday loans?

Answer: Some lenders will grant up to $1,500.00, while others will loan a maximum of $500.00 in payday loans to an applicant. The maximum amount will vary depending on the lender and their policies regarding these types of loans. In addition, the amount that you are approved for will be determined largely by your income.

 

Question: Are payday loans available for self-employed individuals?

Answer: Generally, payday loans offer fast cash for those with a steady job and paycheck. Because self-employed individuals often have sporadic income and they do not work for a traditional employer nor are they guaranteed a weekly paycheck, they are not usually eligible for payday loans.

 

Question: I need a payday loan, but have been turned down by other lenders due to a poor credit history. Will I qualify for payday loans?

Answer: Because payday loans do not generally require a credit check, your past credit history will not be a factor in whether or not your loan is approved. What is more important is your current employment and income, which the lender will evaluate while deciding whether or not to issue you a loan. Even if you have bad credit, you may be able to qualify for payday loans.

 

Question: Iíve heard that payday loans have excessive fees. Is this true and what, if anything, can I do to minimize them?

Answer: Most payday lenders charge a fee based on the loan amount. This cost may range from $10.00 to $30.00 per $100.00 loaned. There is no way to minimize these fees as they are calculated by the lender in accordance with their policy on payday loans. However, if you want to avoid future fees and the continued cost of payday loans, pay the loan off with your next paycheck as opposed to extending it further.

 

Question: How long will the application process take for payday loans?

Answer: Most applications will take only a few minutes of your time and some can even be completed online. The latter is often the most convenient as they do not require that you even leave your home.

 

Question: Once I submit an application, how long will it take to receive my payday loan?

Answer: The answer to this question will greatly depend on the lender and their policy on payday loans. Because these types of loans are designed to provide fast cash, you will generally receive your funds quickly. Some companies promise to issue your payment within 24 hours, but you should check with the lender regarding schedules before submitting an application.

 

Question: How can I find payday lenders online?

Answer: The best way to find legitimate fast cash loans online is by reading independent reviews, which are designed to evaluate a business and its services. Through this, you will have the opportunity to read about the amount of payday loans offered, the services available and fees required for these types of loans.

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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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