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A Guide to Getting Bad Credit Home Improvement Loans
You might be wanting to look into bad credit home improvement loans but are unsure of where to start. After all, how do you get a good loan when your credit isn't the greatest? What you probably don't realize is that there are a number of lenders...
How Payday Loans Can Help You in an Emergency
Everyone has unexpected bills that can leave us in quite a
financial squeeze. From that new tire you need for your car to
the dentist bill that left your mouth and your wallet in pain,
no one is free from surprise expenses. If you find...
Low Income Home Loans - FHA and VA Mortgage Loans Can Help You Get Approved
If you have low income and are looking to get approved for a home mortgage loan. There are many programs available to help you get approved. Whether you are looking to purchase a new home or to refinance your existing home, with the following low...
Small Business Loans - Business Expansion
Small Business Loans - Business Expansion
It may be wishful thinking to envision business dreams and ideas
without any type of financing. While it certainly can be done,
most business owners find a time where business expansion is
needed,...
Understanding the dynamics of Instant loans
Before taking the decision to utilise an instant loan, decide what an instant loan actually means to you. Does it mean a loan that gets you money in a single day or is it simply a loan that is approved fast? Though they appear similar, they are not....
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Fast Cash Payday Loan - How Expensive Are Payday Loans?
Payday loans offer fast cash with no credit checks for
relatively small finance fees. The important thing to remember
with rates is that you are only paying them for a few days, not
years. In the end, you should be paying fewer finance fees than
with a credit card or loan. However, if you roll over you payday
loan over several pay periods, your loan can get very expensive.
APR - A Comparison Tool
According to the US government, payday loan companies are
required to disclose the annual percentage rate (APR) of a loan
before you sign any agreements. While this makes sense for
long-term loans, a payday loan on average is paid off in 17 days.
While an APR doesn't tell you the true cost of the loan, it is a
helpful tool to compare lenders with. An APR is suppose to
include both fees and interest rates. By simply finding the
lowest APR, you will find the best rates on a cash advance.
Finance Fees
Finance fees come in the form of interest rates or flat fees.
Finance fees vary, but $15 for every $100 borrowed is average.
Some lenders waive part of the fee for first time
borrowers, so
it pays to shop around.
Save On Fees
You can save on fees by paying your loan back as soon as
possible. Some lenders charge a finance fee by the day where
others charge for a pay period. Ideally, you want to pay your
loan on the first day you get your paycheck. Most online lenders
will automatically deduct both your cash advance amount and
finance fee.
If you can't pay the entire amount, then pay at least a small
portion of the principal. Call your lender and ask about rolling
over the loan to avoid any late fees. Don't bounce a check to
your lender as you will only rack up fees.
If you plan on using payday loans for several periods, a better
idea is to look into a credit card or line of credit. For long
term loans, you will find better rates than with a cash advance.
About the author:
See my recommended Fast
Payday Loan companies online. Carrie Reeder is the owner of
ABC Loan Guide, which offers help with loans for people with bad
credit.
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