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 Classifieds > Services > FinancialAffiliate Ad (info)
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How-to-Choose-a-Payday-Loan-Company

Item ID#:3118866Location:
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Seller ID#:374278  Premium advertiser Views:
661
Price:$UnspecifiedExpires:8 days

Fast Loan Quotes

Search the loan market to find a great deal on loans from our panel of lenders. Input your details now to begin your search - it will only take a minute!

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    How To Choose A Payday Loan Company

    Payday loan companies are everywhere. Apart from several major lenders, it is estimated that there are more than 500 companies offering this quick fix loan solution. Some of them operate out of high street shops while others are based online. But what is a payday loan and how do you choose among payday loan companies to find the best deal.

    What Are Payday Loans?

    Payday loans are short term unsecured loans. They are called that because the lenders expect borrowers to pay back the sum borrowed by the next payday. This means repayments on the loans are due in two weeks or a month, depending on the borrower’s pay cycle.

    Lenders charge either a fixed fee or a percentage of the amount borrowed for awarding the loan. This can work out to a high annual percentage rate (APR) compared to a regular loan, a secured loan or a credit card. Some people estimate that payday loans have an APR higher than that of credit cards. However, this may not matter if you can pay the money hack on time.

    How Do I Get A Payday Loan?

    Unlike other loans, it is easy to get a payday loan. You just need to be over 18, a resident and have been employed for a couple of months. Apart from some identification, all you will need to show is a record of the salary paid into your bank account over two or three months. The salary amount will affect the amount you are able to borrow. This can be anywhere from $100 to $1000 depending on earnings. Choose Payday!

    Once you meet the basic criteria, you can get a loan easily, and some times there is no credit check. This may thus be a suitable option for people with a poor credit rating who need short term credit. The loan amount is credited to your bank account within a day of application. Once you have been approved for this kind of credit, it is easy to take out future payday loans without further approval. Choose Payday!

    Paying Back A Payday Loan

    To get a payday loan, you have to agree to pay it back when you get paid. This is done by signing a direct debit or writing a post dated check for the loan amount and the fee that needs to be paid. The payday loan must be paid off before another payday loan can be taken out.

    If you are unable to repay the money on time, you may be able to extend the repayment period. This will incur another fee, increasing the amount that has to be repaid. And defaulting on the payday loan means that lenders will resort to collections agencies. This could seriously damage your credit rating. Choose Payday!

    Choosing A Payday Loan Company

    With so many companies involved in payday loans, it can be hard to decide on a good one. Factors to consider are the fees and APR on the loan, the repayment period offered, the time the company has been in business and whether there have been any complaints at the Office of Fair Trading.

    Payday loans should not be seen as a long term plan for money management. If you find that you continuously need payday loans, it’s time to assess your finances and consider other, lower interest loan options. Choose Payday!

    How-to-Choose-a-Payday-Loan-Company

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    12/10/2016 7:01:41 PM UTC