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      May 27, 2018

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Tips For Getting and Repaying a Payday Loan

Whether you're considering applying for payday loans or are currently attempting to repay one, the following tips are designed to help you get the fast cash that you need or repay your lender without further delay.

When applying for payday loans, you can help the process to move along more quickly by having the necessary information available for quick reference. This may include your checking account information, your income and the contact information for your employer.

If you are thinking about applying for payday loans, make sure that the fees are spelled out clearly. Avoid a company that is vague or will not directly answer your questions regarding costs associated with a cash advance.

If you want to avoid additional fees, paying off your loan quickly will help you to accomplish this goal. You can save money for repaying your loan by clipping coupons, packing your lunch instead of eating out and selling some of your household items on eBay or Yahoo auctions. Getting creative by saving or earning money where possible will lead you toward financial and personal freedom in no time.

When applying for payday loans, itís important to request only the money that you need. The reason is because you will be charged a fee that is based on the loan amount, which is why itís essential that you use only what is necessary and repay it as quickly as possible.

Payday loans often provide cash within 24 hours, which means they are ideal for having access to fast cash for unexpected emergencies.

When it comes to repayment, the most common option used is an automatic debit from your checking account. In some cases, you may be asked to write a check to the lender, which will then be cashed on the agreed upon date unless other arrangements are made.

If you have applied for one or more payday loans and they are continuing to roll over due to your inability to repay them, there is still hope. You can always take out a cash advance on a credit card to repay the loan. This is especially helpful if your credit card has a 0% introductory APR or a very low fixed rate, which will stop the payday loan fees from accruing and will also help you to get the debt repaid much faster.

Payday loans do not typically require a credit check, which means your past credit history will not be a factor in determining the status of your application. You must, however, have a steady job and regular paycheck in order to qualify for payday loans.

Because a credit report is not usually a part of the payday loans process, future lenders will not know that you ever applied since the loan will not appear on credit reports.

Our View: Don't repeal rules on payday loans

To its credit, North Carolina was a national leader in saying no to the payday lending that takes advantage of people who struggle to get by from paycheck to paycheck. Payday lending has been illegal here since the General Assembly passed a law banning ...

Published:  Tue, 15 May 2018 01:30:00 GMT



Access Bank : introduces PayDay loan scheme

One of Nigeria's leading banks, Access Bank, has launched PayDay loan scheme for Nigerians. Market watchers say the scheme will liberate beneficiaries from poverty and put food on the food of many in the country especially at this austere period.

Published:  Wed, 16 May 2018 11:26:00 GMT



Payday loan expansion bill rejected by Louisiana House committee

An effort to establish new payday lending options narrowly failed in a House committee Wednesday as legislators disagreed on the best way to serve consumers while protecting them from crippling debt and predatory lending. Senate Bill 365 by Sen. Rick Ward ...

Published:  Wed, 09 May 2018 23:50:00 GMT



New payday loan option in Louisiana fails in House committee

State lawmakers have spurned an effort to establish new payday loan options in Louisiana. The House commerce committee voted 9-7 against the bill Wednesday, as lawmakers disagreed on the best way to serve consumers while protecting them from crippling debt ...

Published:  Thu, 10 May 2018 17:42:00 GMT



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