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In order to apply for a payday loan, applicants ought to know how they work and get used with a variety of concepts that will let them [link widoczny dla zalogowanych] know weather a payday loan is convenient or not. This kind of loans came to solve a problem that before their appearance was almost impossible to work out: Getting finance in an emergency without enough time to apply for a personal loan. We are talking about a small amount of money (up to $2000) but needed [link widoczny dla zalogowanych] within 24 hours.
As one can know by intuition, 24 hours is not enough time to process [link widoczny dla zalogowanych] all the information regular lenders need in order to approve a personal loan. Thus, before the arrival of payday loans customers had no other choice but to resort to family or non traditional financial solutions usually illegal and extremely expensive.
How they work
Regular loans have lots of requirements. In fact, banks and traditional lenders rarely grant loans for people with a bad credit score or history and they usually avoid lending to those who can't offer any collateral. Payday Loans, on the other hand, have almost no requirements and are especially designed for those who lack collateral [link widoczny dla zalogowanych] and have bad credit or no credit [link widoczny dla zalogowanych] at all.
The only [link widoczny dla zalogowanych] requirements an applicant will have [link widoczny dla zalogowanych] to meet are: showing proof of a steady job and owning a bank account. This is due to the fact that Payday loans have to be paid off [link widoczny dla zalogowanych] by the time the applicant's next paycheck arrives [link widoczny dla zalogowanych] and the loan amount will be transferred to the borrower's bank account. Anyone who can meet these two requirements will get a payday loan without hassles.
It is possible to cancel the loan before de due date, this fact will be recorded and will improve your ability to get finance, so if you can do so, don't think twice. Otherwise, the loan amount plus fees and interest will be subtracted from your bank account when the loan is due.
Interest rate explained
Payday loan carry [link widoczny dla zalogowanych] high interest rate, in fact, the interest rate is turned in this [link widoczny dla zalogowanych] case into a flat and single fee, usually calculated every $100. Payday loan fees range between $10 and $40 every $100. It varies if the fee is calculated weekly, biweekly or monthly, so it's a smart thing to watch the small print closely as what you may think is a good deal can turn out to be a rip off.
If you just need a small amount there is nothing to worry about. However if you will be borrowing a larger amount be specially careful with the interest rate as you may end up paying up to 30% interest on a very short term loan. In order to get a good deal out of a payday loan you should only borrow small amounts for short periods of time, this way not only you will avoid overpaying but you'll also improve your credit history.
There are many online payday loan lenders that won't pull your credit report nor require documentation to be sent via fax. Online lenders provide the best service and usually have the lowest [link widoczny dla zalogowanych] interest rates. There are also sites that provide access to many lenders so you can compare what each of them has to offer.
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