Low Rate payday loan

payday loan

Payday loans are a good emergency cash source, especially for those with bad credit records and a poor credit score. For those it would otherwise be next to impossible for them to find emergency cash other than put themselves at the mercy of loan sharks with exorbitant interest rates, and even worse penalties for being unable to make the repayments.

These penalties are more akin to 1920s Chicago mobster movies than 21st century society, but they exist nonetheless. Thank goodness, then, for regular payday loans that allow ordinary people to borrow money quickly to get themselves out of a hole. I know what it’s like because I have had to do it.

I shall tell you how I got my payday loan shortly, but first some reasons for needing one. Many people feel that they don’t qualify for a payday loan for one reason or another. Here are some of the factors that make them feel that way:

Reason 1: My need is not great enough so I will be refused.

Fact: Wrong! You need give no reason. Nobody will ask you why you want the loan, or if they do you can tell them to mind their own business since it has nothing to do with them. There is no requirement under consumer law for you to provide a reason why you want any loan, other than a mortgage that is provided at lower than normal interest rates. You can use a payday loan for a vacation, a wedding or to pay the kid’s school trip. You can even blow it in a bar or spend it on groceries.

Reason 2: I can’t pay it back next payday, so it’s not a payday loan and I won’t get it.

Fact: Wrong! You can ‘roll over’ your payday loan and pay it the payday after next. That will cost you extra in fees, but you can do it. However, try not to unless you are waiting for somebody’s life insurance to come through and you have expenses to pay.

Reason 3: I have a bad credit record, and my credit score is shot. I will never get a loan.

Fact: Wrong again! Most payday loan companies don’t carry out a credit check. If they do it might only be to set your fee. Let’s face it. If you had good credit then you would use a credit card, not get a payday loan. So very few seeking emergency cash have good credit.

Reason 4: I don’t own a house or a car so have no security.

Fact: Wrong! Your regular wage is your security. If you fail to pay then the lender can get a court order against your pay, and your employer will have to pay the lender before they pay you.

Reason 5: I have no job or bank account, so I won’t get a payday loan.

Fact: Right at last! Your job and paycheck is the security you provide that the loan will be repaid – see reason 4 above. Also, the loan is paid into your bank account so without one you cannot get the loan. You can get secured loan on your house or any belongings of worth, but not an unsecured loan. Most unsecured loans are actually secured against your income and your employer is served a court order to pay the lender before they pay you, even if that is the whole of your paycheck!

However, don’t let that last paragraph worry you because very few lenders go that far without good reason. Your loan can roll over until you have enough money to pay it, and some of the better lenders place a limit on the rollovers that attract extra fees. Some stop them at two, and give you time to get yourself together and make the repayment.

Many people bless payday loans because they provide the emergency cash needed to help them out of a difficult situation. I did, and although I am no longer in that situation, I desperately need short term emergency cash and applied for a payday loan from a company known in the UK as Payday. Here’s how my application went.

I needed the equivalent of $700, so I went for no more than that (never get a payday loan for more than you need). I found the company online and started to fill in their online form. The usual at first: name, address, date of birth and so on. I was waiting for the awkward questions: income, expenditure, credit card details, how many other debts I had and so on, but they never came.

Income, sure, since that has a bearing on how much you can borrow on your payday loan. Nothing about credit cards, credit rating, expenditure or other loans. Nothing! I could be owing the Bank of England to Monte Carlo, but they weren’t interested.

My employers name and address and telephone number – that’s fair. The amount needed and my bank account details. Click ‘Submit’. I did that and waited for the credit check. But no – a few minutes later I got a call from the company reception desk. It was an outside call for me that I took: it was the payday loan company just checking that reception could transfer the call to me, signifying that I did really work there.

About 10 seconds later I got an email confirming the loan, and the cash was deposited that very day. How easy was that! It was not only unbelievable, but completely friendly, non-condemnatory and efficient. I could as easily have been ordering a bouquet of flowers for my wife. But that’s not all.

It was to be paid on the 30th of the month (I borrowed on the 2nd) but I couldn’t pay it because although I said the 30th, I actually get paid on the last day of the month, and this was March with 31 days. I had made a mistake, so I phoned and told them and they said no problems: they put it back a week to the 6th of the next month to give me time at no extra charge.

To me, payday loans are a great way to get fast emergency cash as long as you understand the high fees. I paid 25% on the loan which, although high, was fine for me because it solved a serious problem. I was 100% happy, and that is what payday loans are for. Not for buying a car or any other normal need for finance, but for real emergencies.



Quick House Sale
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payday loan

Does anyone know if a payday loan company can sue your employer under section 18 USC

Repossession
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payday loan

ok well i have this opportunity to buy this car a 99 honda civic with only 100000 miles for 2500 dollars. and im only 18 and i need a small loan of 1000 dollars but not a payday loan. i see alot of people say there bank but i just opened up my bank account. were can i get this loan. o yea and i dnt have a credit history.

Passive Income
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Aug
07

How hard is it to get a payday loan?

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payday loan

Would it be hard to get a payday loan if you filed for bankruptcy and credit sucks? I filed for bankruptcy over a year ago–it was discharged…before i filed i was up to my next in payday loans==four different companies. Would that affect me now for getting a payday loan? I suppose if i didnt go through the same companys as i did before like cashtree for instance i would be okay….what do you think? I need a loan for 400 dollars.

Real Estate Professionals
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payday loan

I received several payday loans with my boyfriend’s money as a way to repay these loans. My boyfriend moved out, but the loans are in my name through my bank account. How do I get out of this dilema?

Repossession
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payday loan

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Sell and Rent Back
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payday loan

When you go to apply for any payday loan what can protect you to get payday loan? It may the hassles for completing the formalities to avail payday loan or your ineligibility of being a bad credit history holder. If you want to overcome from all these problems better you apply for No Teletrack No Fax Loan Till Payday. Through No Teletrack No Fax Loan Till Payday you can avail payday loan in spite of your bad credit score and there is no hassle of faxing any document for any kind of verification for approval of payday loan.

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Sell and Rent Back
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payday loan

I’m looking for a loan of about $800 ASAP. I could pay it in full when I get paid in 12 days. I’m looking for a place online or in the Salt Lake area.

I know payday loans are a rip off, but getting evicted would cost me even more.

Rent Back

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payday loan

I currently have a payday loan that is way past due ( they still call but have not sent to collections yet ). I need to know if this will cause me to be denied a refund anticipation loan. Anybody have experience with this situation? I plan to pay this off with with my tax refund. I reside in Indiana if that helps……

Quick House Sale
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Jun
16

Payday Loans-money Ringing Your Door Bell

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payday loan

 

Every one faces the situation of shortage of money by last week of month or in middle of month due to some unexpected situation. What to do when you are in urgent need of money and you know its still 10 days left for your payday? The smartest way is to go for payday loans. These are loans for small period with repayment period till your next payday.

 

Uses and feature:

Payday loans are emergency cash solutions, especially designed to meet last-minute cash shortage. You can use payday loan for paying pending bills, to avoid bouncing of checks or bank overdrafts. Payday loans are short term unsecured loan. Even person with no credit, bad credit or have filled for bankruptcy can apply for payday loan. These loans come for short period say one or two week, with interest rate of 15% to 30%. If you are taking payday loan first time you might get up to £500. But after duly paying first loan you can get more than £500 when visiting same lender.

 

How and to whom apply

Any UK citizen above age 18 and having an income of more than £1000 is eligible for getting payday loan. You can simply apply online for payday loan, by filling simple form. It is best if you apply for a payday loan between Mondays to Thursday because you will be able to get your payday loan on the next working day. As soon as your instant payday loan is approved, it is deposited directly into your checking or savings account. To get short term payday loans you need to give an authorization to the company that is giving you the loan, to deposit the amount in your account and to collect the same day cash loans amount and the loan fee on your next pay day.

Some care must be practiced before availing loan such as take the loan the day you need and try to take amount less than your salary as this will not let interest to pile up. Also care must be taken not to borrow more than you need.



Quick Property Sale
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