Payday Loans: How To Make Them Work For You

A few companies offer no interest loans to first-time borrowers. Find them. Be aware of length of loan and any other terms to help you choose best payday loan lender. Be sure you know total amount you’ll have to repay before you take cash.

Always read fine print.

Pay web loan when it is due, on your next payday. The payday loan period may be extended, but you’ll have to pay additional (and large) interest and finance fees. Also, if you do not repay loan with your next paycheck, lender may even automatically renew loan by withdrawing fees from your checking account. This could cause you to be overdrawn and incur penalties from both lender and your bank.

Meet Frank: A Real-World Payday Loan Story

Frank’s car broke down and he needed $300 fast. Panicking, he went online and chose first web payday lender he found. He filled out simple form and had his money in his checking account next day to be repaid in a week. The fee was $30.

When payday came, Frank couldn’t afford to pay back $330 so he asked for an extension, which he got for another $30. So next payday Frank had to pay $360 for his $300 payday loan.

If Frank continued doing this for a year, he would end up paying $1560 in fees. Most likely, lender wouldn’t let loan ride for that long. But this shows how expensive payday loan fees really are, when you compare them with interest on bank loans or even credit cards.

What should Frank had done?

• Frank should have looked at more than one web payday lender, checking for best terms and lowest interest rate.
• After choosing a lender, he should have checked it out with Better Business Bureau to be sure it is reputable.
• He should have had a plan for repaying web loan before he got money so that he could have paid loan on payday and not needed an extension.

So, how can you do better than Frank?

Payday loans or cash advances are lifesavers for short-term, small cash problems. With thought and care, you can solve your temporary money problems quickly without making your long-term financial situation worse. Start your search for a great payday loan at following websites.

Joel Walsh is a regular contributor to Payday Loans Online: http://www.payday-loan--online.com. Go to Payday Loans now for great web payday loans.

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