PAYDAY LOANS

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Wikipedia, the free encyclopaedia

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.

PAY DAY LOANS - ARTICLES

Payday Loans and Debt

Payday loans and debts go hand in hand. Many times borrowers will take out payday loans to payoff late fees, overdrafts, car repairs, etc. The downside is, a few borrowers will take out payday loans merely to go out to dinner, shopping, etc.

If a person takes out a payday loan merely to pay for a night out on the town, it will nearly cost double the price it would have cost if the loan were not involved. Payday loans are designed for situations that are out of your control. Payday loans are costly. If you take out a loan for $300, it will cost you $360 to repay the loan.

Nowadays, shopping will cost a lot more than $100, therefore it will cost you around $200 at most to shop and the fee on the loan will increase the value of shopping to $275. The expense includes gas, food, shopping, and payday loan subtracted the products purchased.

Now if you roll over the loan until the next pay check you are looking at close to $400 for one night of shopping.

Shopping tips:

Visit second-hand stores to save money on clothing and other goods. Most second-hand stores have bargains and most times better clothing than some of the common stores. Good-Will stores offer products, such as household goods, clothing, furniture, televisions, and other goods at a reasonable cost.

If you are not rich, there is no point of living fancy, especially if it will lead to struggle. Save your money, and on a day you can afford it, only then buy the item that you desired. Remember, items often appeal to the buyer and after a while, the item goes in the garage sale, dumpster, or else it's giving away.

To save money on groceries start accumulating coupons, since coupons have proven valuable. One person took with her a selection of coupons and purchased $185 in groceries and household goods, paying only $85. Wow ... what a big saving!

If you have items about your home that are no longer in use, consider selling the merchandise to friends, or people in the neighborhood - through a garage sale, or visit the Internet and try out the online auctions. You might not make a million; however, you may make enough to cover a bill, while avoiding that payday loan.

Other ideas are to open up your own store. My brother bought, used items and if he had half a brain, he would be rich by now. Often he purchased items of value for a few bucks, and those items could easily be sold for more than he paid. Buying and selling could be a great idea to get out of debt and avoid a payday loan.

Bear in mind that a payday loan is not a credit builder, nor is it a way out of debt. In fact, people have filed bankruptcy applying for payday loans ongoing. Some people become addicted to the loans, since they will start out thinking that the payday loan is the answer for relieving debt. Once they open the doors to payday loan, they find it difficult to repay the loans, and begin paying costly fees on the loan, rolling the loan over to the next pay-check. It becomes a cycle.

For instance, a person will take out a loan of $300 and repay $360. On the date two weeks later the balance of the loan is due, the person finds they have no funds available. The person pays another $60 on the loan, rolling the advance to the next pay-check, the person finds on the next due date, funds are still low. As you can see, debt is now becoming a major problem.

Payday loans are handy if you have bank overdrafts or car problems. For instance, if your car breaks down you cannot get to work, more is at stake than applying for a payday advance. If you have bank overdrafts you will pay more if you do not resolve the problem verses taking out a loan until payday.

Still, if you need a payday loan it makes sense to shop for the best deals to save cash.
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PAYDAY LOANS - INDEX

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