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|A payday loan (also called a paycheck advance or payday advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. Typical loans are between $100 and $500 and are due in two weeks, with interest rates of up to 400% APR. On a two-week loan, fees average $15 for each $100 lent. The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card.|
Bills often cost a fortune. Even if you rarely shop, paying utilities, rent, etc, can cost a fortune. Nowadays, utilities providers are charging outrageous fees on electric and gas, yet everyone is cussing out the payday lenders. Guess the deal is getting the rafter out your own eye, before plucking someone elseís eye.
Payday loans start with the borrower agreeing to lenders terms. The lender will require that the borrower sign an agreement to repay the loan amount and the fees applicable to the loan. The fees differ, but most charge $30 per $100, which is outrageous.
The borrower when accepted for the loan will write a void check to the lender in the amount of the loan, plus the fees. The check is a measure of security that the lender will receive payment for loaning you the cash. The payday loans were intended to help in crises. Emergencies is a part of life none of us can avoid. Emergencies including, repairs on vehicles, shutoff notices, medical emergencies etc, can come unexpectedly.
The loans are handy when overdrafts or car repairs, pop up. Bank overdrafts could cost more money than the fees on payday loans, thus taking care of the issues now can save you money over time. If the car is employed to transport you to and from work, you will lose a lot more when losing your job due to your lack of transportation.
Shutoff notices and late fees that's a different issue. Most utility providers will charge a couple of bucks toward late fees. If you have shutoff, notices rather than applying for a payday loan ask around to see if other options are available. Many cities/towns have resources that will help you pay your bills to avoid shutoff notices. This type of help can get you ahead and you will not have fees incurred from payday loans.
Payday loans are handy, i.e. if you use the money for its intended purpose and repay the debt on time. If you roll the loan over to the next pay check, it will cost you additional cash, and will only increase your debt problems.
To help you determine a few options to avoid payday loans we can consider a few details. For example, if your electric and gas bill is $400 each month, consider cutting back on energy costs. You might want to call your providers to see if low-income resources are available to you. Few states offer low-income energy bill payments.
This means you agree to a set amount each month to pay on your utilities and any monies remaining are added to the following monthís bill. For example, you might agree to pay $50 each month, applying the amount toward your energy bills. The fee is applied to your account, which in turns relieves you of shutoff notices and late fees.
Having a wealth of resources can save you cash. The system is geared to drain blood from turnips, yet there are ways around the attacks.
Car problems are another issue. Few states offer assistance to low-income families and/or individuals, offering services to repair your car at state costs. The services will also make purchases of vehicles, providing the car is utilized for work purposes.
If you are above the income level most states allot, then try asking someone you know if they have mechanic experiences. I learnt to work on my own car, since men at garages tend to think women are naÔve. However, growing up around mechanics and observing along the way without teaching other than observation, I can fix a car in some areas better than most men can.
Furthermore, if you have the ability to learn get some skills, mechanics have less chances of overcharging you on your car repairs.
As for other bills, such as car insurance, you might consider a payday loan at this point, since it will cost you $150 in fines and court cost, and additional fees for impound and so forth. As you can see in this instance, a payday loan is worth the fee. Other times payday loans can come in handy, but for the most part they only increase debts by adding an additional bill.
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