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      September 20, 2018

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Tips for Getting and Repaying a Payday Loan

 

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.

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.

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While Feds Loosen Payday Loan Regulations, Colorado Voters Could Clamp Down

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Wonga's collapse and what it means for the people who rely on payday loans

Wonga, the poster-boy of the British payday lending industry, has gone into administration following an influx of customer compensation claims. Its demise is a result of government regulation to refor...

Published:  Fri, 31 Aug 2018 04:29:00 GMT



Senate approves payday loan regulation bill by 21-9

Looking to fix a failed 2008 law and address what are among the highest rates in the nation for small-dollar loans, the Ohio Senate convened a rare summer session Tuesday and passed new payday lending ...

Published:  Tue, 10 Jul 2018 10:59:00 GMT



Rock Island wants to limit payday-loan businesses

ROCK ISLAND - City council members are considering a limit on the number of payday-loan businesses allowed in the city. Ald. Dylan Parker, 5th Ward, said the idea was discussed during a study session ...

Published:  Thu, 16 Aug 2018 16:38:00 GMT



9 Alternatives To Payday Loans

You have an important bill to pay and not enough money to pay for it. A payday loan might be the solution to your problem if you don't mind paying very high interest rates. It's not uncommon for payda...

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