With bad credit, it can be difficult to get a personal loan and especially difficult if you need cash quick. A pay day loan or cash advance loan is your best bet if your credit is bad and you need money quick. The only drawback to these loans is that fees are high. You will usually pay about $10-$30 per hundred dollars borrowed, per week. So, you only want to borrow this money until your next pay day, you don’t want to depend on a loan like this for any type of long term need.

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2. Make sure you start loan or have it deposited absolute last day that you can wait to have money deposited and then pay off loan day you get paid. With highinterest that these loans charge, you don’t want money sitting in your bank account doing nothing while charging you interest at rate of 400-500% or more.

3. Only borrow minimum amount you can get away with borrowing. The usual rates for payday or cash advance loans range from $8-$30 per 100 borrowed, per week. You could save yourself $60-$90 just by borrowing $200-$300 less.

4. Shop around for payday loan or cash advance lender with lowest fees per week. Find out fees per week, what minimum loan period is and if there are any other hidden fees.

If you play your cards right with payday loans or cash advance loans, you can make use of quick, easy way to get out of a temporary financial jam, while keeping your fees low. If you are going to get a payday loan, make it as cheap as possible.

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