No matter how much you try to stay within your budget, there are
times that you will not be able to make ends meet. You can get sick and
not earn a paycheck, your car might break down and need repairs, or your
electricity bill just went through the roof. Whatever the cause, it is
always a good idea to have a back-up plan. This is where payday loans
come in. Knowing where to look for easy payday loan lenders can provide
you with peace of mind and security.
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What exactly is a payday
loan? It is a short term cash loan that is usually payable within 14 to
30 days. There are plenty of lenders in the business. Its popularity has
grown in the last few years because unlike traditional loans, the money
is available right away. Also, it does not matter if you have bad
credit - these lenders do not run a credit check and usually don't ask
you to fax documentation. All you need to qualify for a payday loan is a
steady job and a bank account to wire the funds into.
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The easy
way to find these pay day loan lenders is to go online and search for
them. You can use keywords like bad credit payday loan (if you have bad
credit) or 60 minute payday loan. Some people like to deal with lenders
who are registered in the same state; others don't mind dealing with out
of state lenders as long as the money is sent right away. Once the
search is done, you can start choosing which lender you would like to
borrow money from.
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The hard way to look for payday loan lenders is
to go through the phone book or drive around. There are companies that
specialize in payday loans that locate themselves near malls or shopping
centers. These will process you application right away and usually
hands you the money before you leave the premises, assuming that you
meet their requirements for the loan.
How does it work, exactly?
For online applications, the lenders will process it as soon as they get
it and decide if you are qualified. There are plenty of lenders who
boast a 99% approval rate. Once they approve your application, someone
will give you a call or send you an email to inform you about the rates
and the terms of repayment. You will need to provide authorization for
direct debits so they can take back the funds on the due date. Once all
that is done and you have agreed to the terms they set, the funds will
be wired straight to your checking account.
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But before you get
blinded by the fact that there's no credit check and the money is
available right away, make sure that you understand what you're getting
yourself into. Pay day loans come with a fee, and the fee can range from
20 to 30 percent of the actual loan amount. Also, you are obligated to
pay it back in full by your next paycheck or risk having the fee
doubled.
Payday loan lenders make life a little easier by offering
the option of easy money. However, you should take advantage of this
offer only if you really need it.