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      March 24, 2019

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Tips for Getting and Repaying a Payday Loan

 

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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, it’s 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 it’s 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.

Popular cash advance app Earnin operating in payday loan "˜gray area,' critics claim

AJ Smith knows all about folks owing money. After all, he's a debt collector in Las Vegas, the gambling capital of the world. So last March, when Smith downloaded Earnin, an app that fronts ...

Published:  Thu, 21 Mar 2019 08:05:00 GMT



Charlene Crowell: Prayers and Petitions Call for Payday Loan Rule Enactment

*Every year the payday lending industry convenes in an effort to further expand and preserve the combined $8 billion-dollars in fees generated each year by consumers caught in that and car-title ...

Published:  Thu, 21 Mar 2019 08:39:00 GMT



Texas Federal Court Continues Stay of Trade Groups' Lawsuit Challenging CFPB Payday Loan Rule and Stay of Compliance Date

The Texas federal district court hearing the lawsuit filed by two trade groups challenging the CFPB's final payday/auto title/high-rate installment loan rule (Payday Rule) entered an order yesterday ...

Published:  Wed, 20 Mar 2019 12:34:00 GMT



State AGs threaten action against CFPB for delaying compliance date for payday loan rule

A group of 24 Democratic state attorneys general and the D.C. attorney general have submitted a comment letter to the CFPB setting forth their opposition to the CFPB's proposal to delay the compliance ...

Published:  Fri, 22 Mar 2019 11:14:00 GMT



New US ambassador warns of China's "˜payday loan diplomacy'

CANBERRA, Australia (AP) - The new U.S. ambassador to Australia says he's concerned about the way China lends money to developing Pacific nations in what he describes as "payday loan diplomacy." ...

Published:  Thu, 21 Mar 2019 02:55:00 GMT



Move To Pull Consumer Protection Rule Heightens Debate Over Payday Lending

This loan would help cover a family trip to New York, said Angela, who asked NPR not to use her last name for privacy reasons. She says she prefers payday loans because she doesn't trust herself with ...

Published:  Thu, 07 Mar 2019 14:17:00 GMT



Donald Trump's CFPB Is Rescuing the Payday Loan Industry

The Consumer Financial Protection Bureau (CFPB) wanted to end the payday loan industry, then it became its savior. In 2017, the CFPB approved rules that would have effectively killed off payday loans ...

Published:  Thu, 28 Feb 2019 09:32:00 GMT



Banning payday loans sends desperate borrowers running to pawn shops

Until 2008, a cash-strapped customer in Ohio seeking a quick, two-week loan from a payday lender might find themselves paying a hefty fee. These unsecured short-term loans-often secured with a ...

Published:  Fri, 01 Mar 2019 09:31:00 GMT



Fundamental Aspects You Should Understand About Payday Loans

A payday loan-also known as "check loan" or "cash advance" is a short term loan usually capped at $1000 that is normally payable on your next payday. These loans are mostly preferred by individuals ...

Published:  Fri, 01 Mar 2019 06:24:00 GMT



Consumer Financial Protection Bureau Lifts Restrictions On Payday Loans

The Consumer Financial Protection Bureau announced it will roll back Obama-era restrictions on payday loans, which can trap consumers in a debt cycle. MARY LOUISE KELLY, HOST: Earlier this month, the ...

Published:  Wed, 27 Feb 2019 14:26:00 GMT



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