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Demystify the allegorical misinterpretation of bad credit personal loans.
Every time you go for a loan, the bad credit trademark hits you where it should – your odds at finding a loan. For bad credit personal loan, it is necessary to discover your standing as a loan claimant. Loan borrowing is promoted as a much...
Home Loans - Right approach to become a homeowner
Each one of us wishes to possess a home of our own. With some
pounds in your savings accounts, it won't be possible to
purchase a house that requires a big investment. If you dream to
own a home, home loans are the best way to finance your dream....
Online Homeowner Loans -Technology for Convenience
Any new technology has in its background certain difficulties
that it aims to counter. When Online homeowner loans were launched for the first
time, they too had a difficulty to do away with. The difficulty
was for the borrowers who had to come...
Pay day loans - Short term help
Payday Loan "I just need enough cash to tide me over until payday." Sounds familiar to you? I'm betting it does. We constantly find ads to this effect on the radio, television, the Internet, and even in the mail. The type of loan being referred...
Student and Graduate Loans
Student and graduate loans are becoming more popular as student
debt continues to rise and students seek alternative ways of
dealing with it. The good news is that student or graduate loans
are generally available without the need to show steady...
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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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