Can I Apply For a Payday Loan?

Discuss Fixed Rate Mortgage

Can I Apply For a Payday Loan?

Postby smookedtrout » Sat May 29, 2010 6:42 pm

A Payday Loan is basically an advance on the wages that are due to enter your account on your next payday. Payday Advance loans differ greatly in value; some lenders are willing to offer loans as low as £80 and up to a value of £1500. The main criticism often levied against the Payday Loans industry is the nature of the loan offering they provide. Some lenders have been accused of targeting low income borrowers with irresistible credit offerings, and thus luring them into a pit of spiraling debt. This is quite a fantastical perspective on the payday loans industry, and much of it is driven by a naive level of insight into how the sector actually operates.

Payday Advance Loans are much like any other line of credit in that they give the borrower a line of credit that they can use for whatever purpose they intend. Where payday advance loans differ from conventional credit sources is in the duration of the loan and the interest rates charged on the loan. However, when you're evaluating the relative merits of payday loans against each other, it's important to keep in mind exactly what you're looking at. APR is used as a standard measurement by Payday Loan Companies however it is not a useful measurement for identifying the true cost of the loan. Why is this? Well, because APR is an annual measurement while payday loans are offered, generally, over far shorter time frames.

The important thing you should take into account when applying for a cash advance loan isn't so much the APR but rather the interest rate you will be due to repay on the loan. If you have a good indication of the interest rate then you will be fully informed about the exact cost of the loan and the exact amount you will be due to repay on the loans date of maturity. Most Payday Lenders offer interest rates in the region of 25%, thus if you borrow one hundred pounds sterling from a payday advance loan company in the UK then the total sum you will be due to repay will be £125.


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Re: Can I Apply For a Payday Loan?

Postby Percival » Fri Aug 06, 2010 11:42 pm

Hello guys!

Payday loans can be a great way to get cash in a hurry when you need it. They also require no credit check, which means that anyone with a job and a checking account can get a payday loan, even if they have bad credit. Turnaround time for approving a loan is also quick, especially if you fill out an application on line rather than going into a branch office and filling out an application. Also, if you opt for the online approach, the money can also be deposited directly into your checking or savings account. If you go into a branch office of a loan company, you will be given cash or a check to cash at a bank, which means you will have to not only drive to the payday loan company, but also drive to the bank to cash the check or deposit the money - having it electronically deposited directly into your checking account will also make the funds available quicker.

There are also many disadvantages. Rates on loans can range anywhere from 10% - 30%, which is considered very high. If you apply for a loan, you need to also be sure you can pay the money back in full come payday. Many payday loan places will let you have a certain number of extensions if needed, where you pay just the amount of whatever the fee is to extend the loan - however this will make the loan more expensive in the long run. You must also have a job with a fixed income, as well as a checking account, to get the payday loan.

In summary, payday loans can be a great way to get extra money in a hurry when you need it. But before you decide to apply for a payday loan, make sure you fulfull all of the requirements for the loan, and make sure you'll be able to pay the loan back on your next payday. If you aren't able to fulfill the requirements of the loan, you might be better off considering another option, such as seeing if you can borrow the money from a friend or family member, or possibly pawn something of value at a pawn shop.
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Re: Can I Apply For a Payday Loan?

Postby Alex Chris » Wed Aug 18, 2010 1:09 pm

All forms of credit should be taken seriously, and payday loans are no different. While they may seem like (and can be!) a beacon of light in hard times or emergencies, you must keep in mind that unlike most forms of credit, they are not nationally governed.

In fact, several states have outlawed payday loans completely, and that alone should ask that anyone considering a one in a state where they are legal should consider very carefully. If you have a credit card with enough of a limit, then it would be much more financially wise to use this card for emergencies rather than a loan.

If this is not possible then be certain to read every word of fine print when signing up for a loan. If there is time, read up on state laws regarding payday loans and keep these laws in mind while going over the regulations demanded by the franchise offering you the loan.

Of course, if you receive a payday loan you must also keep in mind that the very next paycheck you receive must be used to re-pay this loan, as well as any fees or interest. The interest may be extremely high so make sure you have the funds available to cover all this.

If you are certain that you wish to proceed with applying for a the loan, you will need proof of a steady income (such as several recent paycheck stubs) as well as forms of identification in order to be approved. For this reason, if you do not have a credit card and think you may need a loan in the future, it would be smart to save all your paycheck stubs for the time being.
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Re: Can I Apply For a Payday Loan?

Postby Alex Chris » Fri Aug 20, 2010 11:53 am

Hello guys!


Just wondering does anybody know anything about payday loans online? I really would like to know how they work and if they can actually be trusted. Interested in getting a payday loan and not sure where to look. Help please.
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