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All about Debt Consolidation loans
Debt consolidation loans can be the answer to a number of financial problems, but before you take the plunge, make sure you're well informed.
What is a debt consolidation loan?
Debt consolidation is when you arrange a single loan to cover a...
Bad Debt Loans - Ensures that Debts no Longer Trouble Bad Credit Borrowers
Borrowers with a bad credit history have little credibility
among the loan providers. The debt burden further tatters the
faith that the individuals would have enjoyed. In fact, debts
are considered a prelude to the bad credit history. Debts...
Guide to Bridging Loans
Here is a useful guide to bridging loans. This is a loan that is usually taken out to solve a temporary cash shortfall that may arise when buying a property or business. It's basically a very short term mortgage. Like a mortgage, it's a loan that is...
Refund Anticipation Loans -- More Harm than Help
If someone offered to give you a loan for $2100 at interest rates of up to 222 percent you’d probably laugh at them and walk away; but, this spring, 1 in 10 Americans will do just that: for the privilege of borrowing their own money, over 12 million...
Signature loans: a signature can relieve stress of no collateral and bad credit
The dynamics of loans borrowing procedure has brought new ways of borrowing in the forefront. Signature loans are remote from traditional forms of loans borrowing which requires collateral to be placed as the guarantee of the loan borrowed....
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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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