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Design Cheap Debt Consolidation Loans On Your Own
Why will a person look out for debt consolidation loans in the
first place? Definitely to escape the high rates of interest
that he might be paying on debts. So, it is implied that the
debt consolidation loans will be inexpensive or cheap....
Financial openings without warranty alias Unsecured personal loans
Isn’t it the trillionth article on unsecured loans? All are filled with details – extended, exhausting. It looks like that the flood gates have opened and innumerable loan providers are ready to offer you unsecured personal loans. You want unsecured...
Home Loans – Would You Buy a Home Without an Inspection?
The housing market has exploded, with home prices rising beyond all reason in some markets. Home prices have doubled or tripled during the last five years, and in some cities, the asking prices for homes are considered only to be suggested opening...
Loans For Bad Credit
Personal debt in the UK has soared to record levels over the
past few years. The Bank of England has recently confirmed that
personal debt on a national level now amounts to more than
£1,065 billion. Recent media reports suggest however that...
Secrets Behind Interest Only Loans: Lower Payments, But Are They Right for You?
Interest Only loans gained widespread popularity in 2003 when FannieMae, the largest purchaser of secondary market home loans, provided guidelines to wholesalers for purchasing them. FannieMae calls it Interest First also known as Interest Only...
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Payday loans – examine your alternatives
Payday loans seem so tempting; get your money now and pay them back at salary day. The interest is high, but whatever – you can afford $10 or $20. In addition, the loan process is so simple: if you deliver your application, you got your money! A goldmine if you are short of money …or not?
Let us go deeper into the disadvantages of payday loans:
1.The interest is huge. $10-$20 per $100 borrowed. Of course, this is affordable as a one-time fee, but if you are using a payday loan service once, then you are most likely to repeat this action, which bring us to the next point…
2.If you are short of money this month, then you are most likely short of money next month (because you have spent some of your salary in advance).
A payday loan that cost $20 per $100 borrowed, taken 10 days before payday have a yearly interest rate of $730. You might think: who cares, I can afford $20. Maybe you can, but if you are likely to repeat payday loans then your annual cost for $100 per month is $240. You do not need a payday loan if you can afford this amount.
Theory, you will say. I need money now. Do not panic; look at the
alternatives to payday loans:
1.If you are due to payments, call your creditors and ask for a delay to you payday. Most creditors agree to this and the interests, if any, are usual much cheaper than the payday loan fee.
2.Use your credit card if you have one and pay back before due date. Most credit cards do not have any interest if you are paying back within a month and the cost of withdrawal is lower than $20 per $100.
3.Ask your local bank for a loan of the same amount as the payday loan amount. You will get much lower interest and, if you want, a repay plan.
4.Ask for a loan quote on an Internet bank, the time before you get the money might be 1-2 days longer than with your local bank.
5.Ask your employee for an advance payment.
When should you consider a payday loan?
If you really need the money and all of the above suggestions are out of the question, then payday loan might be your solution. However, try to let it be a one-timer…
About the Author
Fredric Johnson is a contribution writer for Pluto Loans, an information site on loans and credits
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