If you are one of the many people who find themselves in need of quick cash for some unexpected expense and payday is still too far, you know the agony of trying to decide how to handle the problem. You can borrow from friends or family, use your credit card and pay it out over time or you can get advance payday loans from some company.
What exactly is a payday loan and how can it help you more than using your cards or borrowing from other sources? There are many names for payday loans but the Federal Trade Commission is, I think, the most apt. The FTC calls them “costly loans”, because they are small, short term loans with a high interest. Getting advance payday loans should only be an option for when you need money fast and have no other source. This should be a quick fix for emergencies.
Why should advance payday loans be used only when absolutely necessary? Let’s say you want to borrow a hundred for 14 days. You will write a check for $115. That puts the APR on that particular loan at almost 400%. True enough, these loans are very fast and virtually hassle free. There are usually no up front costs, secure, and the loans are usually available in your account within 24 hours. They are very expensive in the long run however. The example above was for a minimum loan. Maximum loans, $1,000-$1,500 will cost much more. And when your payday does roll around you will be that much further behind.
Advance payday loans are available at many locations. In the U.S. there are over 10,000 payday loan offices, and many more than that world wide. Most outlets allow you to apply in person, over the telephone and online.
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