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Cheap homeowner loans - create your own package
What according to you are the components of a cheap homeowner
loan? Low interest rate and lower fees will be the choice of a
larger group of people. These are the visible components of the
homeowner loan and thus easily come into the notice of...
Home Loans - Online Services And Resources To Help You
Copyright 2005 Dean Shainin
Interest rates on home loans are at the lowest they've been in many years. Now is a great time to take advantage of home loan financial services and resources available online. With a little education online you can get...
Loans for doctors – financial funding for healthcare professionals
The revolution that has affected everyone’s financing technique is online loan borrowing. A very remarkable outcome of this loan borrowing is loans for doctors. ‘Loans for doctors’ are unique programme to help doctors worldwide to overcome financial...
Payday Advance Loans: Use Wisely
Ever wonder how some people manage to take out expensive payday advance loans and still come out on top financially? It’s not easy, but it is certainly possible. This is the story of Emily, one person who used a payday advance loan to dig herself...
Payday Loans: Personal Finance Savior Or Disaster?
Summary: You need a small amount of financial help fast, but you heard payday loans can be expensive and dangerous. What now? Find out how to avoid the dangers and reap the benefits of payday loans. Payday loans may be right for you if you need...
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Quick Cash Loans - The Real Cost
So many numbers are thrown around when talking about cash
advances, also called payday loans, that it can be hard to know
what the real cost is. What you actually pay for your payday
loan is usually a financing fee rather than an interest rate.
APR is used to compare the yearly cost of such a loan, even
though payday loans are usually repaid in less than 17 days.
Financing Fees
Most cash advance companies charge finance fees rather than
interest in order to get around some state laws. Finance fees
are usually charged on a pay period schedule of two weeks,
although some companies have a shorter or longer repayment
periods.
For a cash advance of $100, you can expect to pay around $15 in
finance fees. Some lenders charge more or less, so it pays to
compare rates. Online lenders usually post their rates or APR,
so you can research lenders in minutes.
If you don't repay your loan when it is due, you can roll it
over. You add on finance fees for the additional time. You have
to be careful with this option. If you put off repayment too
many times, you can end up owing more in finance fees than
principal.
Understanding APR
APR is the yearly rate of the loan, even
though cash advances
are intended to be short term loans. It is figured the same way
as credit cards, multiplying the rate over the year and
including any fees. While the APR does not equal your real cost,
it is a nice comparison tool.
An APR compares the same number, regardless of lender. If you go
online, most cash advance companies will list the APR on their
website. You can also request the number from them before you
apply.
Comparing Costs
When you are trying to decided whether to get a cash advance or
not, you should compare the other costs associated with your
decision. For example, will you pay more in late fees or
interest charges by missing a payment? Will NSF fees amount to
more than a payday loan fee? What will it cost you if the car
doesn't get fixed?
If the finance fee is smaller than other costs, then you are
saving yourself money in the long run.
About the author:
See my recommended Cheap
Payday Loan companies with the lowest rates online. Carrie
Reeder is the owner of ABC Loan Guide, which offers help with loans for people with low
credit scores.
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