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3 Rules of using payday loans in emergency situations

Many people have thought about taking out payday loans, but few of them know exactly how they work. Although payday loans have high interest rates, they can be useful in emergency situations. Lets look in details several important questions regarding payday loans and how you can benefit from this solution.

Rule #1: Do not use them improperly

Always look at payday loans as your last option. Of course, sometimes there are no other options left, and you consider taking out a loan due to some unpredictable problems. It is important to ensure that the recent shock of the unexpected situation has disappeared before making financial decisions. If your credit cards are not maxed out, use them. Consider borrowing money from a family member or close friend.

Rule #2: Apply carefully

You can get money from good, reputable and professional lenders by phone, but online application for payday loans is the general procedure these days. After the application is approved, you can finish any other business by phone. You will also be able to contact the customer service representative on the phone with any questions you may have.

The average APR for a payday loan is about 440 percent. That changes a bit with the lender and depending on what state you live, but not by much. The absence of such a figure in your loan documents is not necessarily an indication that your loan is cheaper. They may have simply put the number in the fine print where it is not easy to find.

Rule #3: Do what you have to do

If you need a quick loan, even if there are no lenders in your area, you may have to go to the closest store. Sometimes you can actually drive to another state where payday loans are not banned and get one there. Since the transfer of money is electronically managed, this process usually requires a single trip.

Material disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, and APRs for installment loans range from 6.63% to 225%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans and up to $5000 for installment loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
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