Apr
29
Has anyone used a payday loan company?
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Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?
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11 Comments
May 2nd, 2009 at 7:27 am
Don’t do it!
May 5th, 2009 at 3:28 pm
I have used both an online payday loan company and a storefront. Both were awful – I ended up in horrible debt, paying thousands more than I had borrowed. Please don’t do this!! See if there are any other options out there before you take money from these loan sharks!
May 7th, 2009 at 3:25 pm
don’t do it
May 10th, 2009 at 9:27 am
Dont do it they will take out of ur tax return ,or u will be paying back more
May 11th, 2009 at 9:31 am
They charge HUGE amounts of interest–its a rip off.
May 12th, 2009 at 2:11 am
600% interest rates, you give them access to your bank account and agree to allow garnishment of your wages. Sound like a bad deal? Well let’s not forget how aggressive their collectors can be…
Find some other way. Pawn something, sell blood, collect alum cans. Pay a bill late — the late fee will be cheaper than the payday loan interest.
May 14th, 2009 at 3:50 pm
they charge you alot, they are not in the business to lose money,, something like 20 %,, if you can manage without it, like eat mac and cheese for a week, do that,,
I heard the Government was thinking about making them illegal too many people getting into financial trouble
May 18th, 2009 at 12:38 am
There is no payday loan company that is reputable. Avoid them like the plague. If you’re desperate, go to a church, synagogue, or anyplace else. Their interest rates are 592%.
May 20th, 2009 at 10:53 pm
EVEN UNDER THE DIREST OF CIRCUMSTANCES DO NOT RESORT TO DOING THIS, THE INTEREST IS HUGE,AND THE ‘LOAN OFFICERS’ IN THOSE PLACES ARE ALWAYS VERY BITCHY.
May 22nd, 2009 at 7:07 am
I have used them. It’s something that I would only do in an emergency. If you always pay the loan back on time, your only problem will be the huge interest rate. I would never borrow more than 1/3 of my bi-weekly paycheck. You’re better off in the long run to suffer through the lean times, because of the interest that you’ll pay. You would be wise to carefully read everything that they ask you to sign, before you actually sign it.
May 22nd, 2009 at 8:26 pm
How much money do you need?
I used QuickPayDay.com several times in the past and it helped me out when I was in a bind.
BUT it was never for more than $500 and I made sure to pay them back with my next paycheck so I never got into debt or in any kind of trouble.
These kinds of payday loans are really only good for smaller amounts of money, when you are in a bind, need a little cash quickly, and if you pay it back as fast as possible.
You don’t want to get yourself into a lot of trouble by taking too much of a loan and not be able to pay it back.
My experience was fine.