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      October 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.

Payday Loans Offer Fast Cash When You Need It

Often referred to as a cash advance, payday loans are designed to provide fast cash in exchange for the borrower’s promise to repay the balance upon their next payday. Whether it’s an unexpected car repair, a doctor visit or simply a time when funds are a little tight, payday loans may be a short term answer to your problem.

Because they do not typically involve a credit check, payday loans are available for those who have past credit problems. Rather than focusing on the past, payday lenders look at your current situation and your ability to repay the loan. As such, you must have a steady job and a guaranteed paycheck in order to qualify for payday loans. Generally, these types of loans are not available to those who are self-employed or otherwise have unpredictable work schedules.

Upon an approval for a payday loan, you will be given cash directly by the lender. In return, you will commonly be asked to provide a post-dated check, written for the date of your next payday, for the amount of the loan. In some cases, you will be required to consent to an automatic debit from your bank account on a specific date. Unless other arrangements are made, the lender will cash the check that you provided or debit your account on the agreed upon date. In some cases, payday loans may be extended upon approval by the lender. This means that, instead of cashing the borrower’s check, the loan would simply roll over for another specified amount of time. In exchange, the borrower would pay interest and possibly additional fees for this service.

In a world where so many families are living from one paycheck to the next, it is often life’s unexpected events that cause a financial pinch. When this occurs, it can be very difficult to wait for the next paycheck to arrive. In emergency situations like these, the ability to obtain fast cash when you need it is a blessing. Perhaps it isn’t an emergency, but maybe you have come up short on grocery money, gasoline or the electricity bill is due. Necessities, although a regular bill, often have a way of sneaking up on you.

When seeking quick cash via payday loans, you often need to provide check stubs from your current employer, along with the company’s name and address. You may also be asked to state your length of employment, which will help the lender to determine whether or not your employment is steady. Due to the fact that a credit check is not typically required, verifying your employment becomes a top priority when it comes to payday loans. If you plan to submit an application, you may also need valid photo identification and a checking account.

By their very nature, payday loans are to be used for obtaining fast cash when you need it. By that same token, you should repay the loan as quickly as possible in order to avoid additional fees and interest.

Political Cornflakes: Mitt Romney's secret alter ego, "conversion therapy' and payday loans

In an interview with The Atlantic, Utah Senator Mitt Romney revealed that he uses a secret Twitter account to keep tabs on political conversation. His screen name? Pierre Delecto. [Trib] Topping the ...

Published:  Mon, 21 Oct 2019 05:19:00 GMT



Payday loans in Kan. can come with 391% interest

"I would just be working just to be poor and broke," she said. "It would be so frustrating." When things got bad, the single mother and Topeka resident took out a payday loan. That meant borrowing a ...

Published:  Tue, 22 Oct 2019 13:00:00 GMT



Bobapalooza, iconic tapestry, payday loan seminar

Making payday count The Consumer Financial Protection Bureau (CFPB) defines a payday loan as a "short-term, high-interest cost loan, generally for $500 that is typically due within two weeks." ...

Published:  Thu, 17 Oct 2019 14:11:00 GMT



Google Play Store shuts out payday loan apps

Google has banned Play Store apps with "deceptive or harmful' personal loans where the annual percentage rate was 36 per cent or higher, such as many payday loans. A spokesman said that the expanded ...

Published:  Thu, 17 Oct 2019 14:35:00 GMT



Our Opinion: The steep cost of payday loans in Indiana

They were allowed to do so thanks to a 2002 exemption that legislators carved out for short-term loans. In total, payday lenders cost Hoosiers an estimated $322 million in finance charges over the ...

Published:  Sun, 22 Sep 2019 03:16:00 GMT



8 Reasons Why You Keep Getting Denied for Payday Loans

10 million people in America will take out payday loans this year. Those loans will help them do everything from patching up leaks in their roofs to putting food on their tables. For many, payday ...

Published:  Fri, 04 Oct 2019 07:24:00 GMT



Wageday Advance borrowers "disgusted' to get back just 5% of what they're owed from mis-sold payday loans

"DISGUSTED" WageDay Advance customers will only get back roughly 5 per cent of what they're owed in compensation for mis-sold payday loans. The lender's parent company, Curo Transatlantic Limited, ...

Published:  Thu, 26 Sep 2019 09:18:00 GMT



Martin Lewis: Expert issues urgent warning over payday loan reclaims - you must act fast

Today, he spoke on Good Morning Britain to give an urgent warning to those who have taken out a payday loan. Earlier this week, he gave advice to those affected by the collapse of the tour operator, ...

Published:  Thu, 26 Sep 2019 00:43:00 GMT



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