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holidaylenders.com : Have you ever heard of payday loans? Many consumers do not know that they can get a loan in advance of their pay to help them in an event of a financial emergency. Sometimes, it is hard to live paycheck to paycheck. If an emergency comes up such as a car breaking down, an illness, unexpected bills, or other unexpected expenses.
Short term loans are not as expensive as many people think they are. Consumers think that they will be charged huge interest fees for taking out this type of loan but that is not true. Consumers can complete this process either online, by phone, or by going directly to an agency that issues same day loans.
Payday loans are a cash advance for consumers; most advances are for amounts of money between one hundred and two thousand dollars. There is an APR charged that varies by the amount of money loaned and the number of days that the money is going to be loaned for. There is an application process that needs to be completed before the money can be transferred to the applicant’s bank account. The applicant needs to be over the age of eighteen, provide a valid state issued identification card, current pay stub or W-2, current address, bank account number, and their social security number. When this information is reviewed the company that issues the loan will decide whether or not to approve the loan and the amount requested.
Always shop around for the lowest APR for your payday loan. There are good buys out there you just have to search online and in the phone book to find the right option for your particular situation. Most of the time you can find a reasonable interest rate if you have a decent credit history. A good APR will cost the consumer about three hundred to four hundred percent APR. For example, with a one hundred dollar loan the fee would be thirty dollars extra at a rate of three hundred percent APR. Some companies do offer discounts to consumers, which helps to reduce the amount of money that is charged for fees. Make sure that you allot yourself enough time to pay back the loan; you have to pay the entire balance plus the interest by the date that you signed up for. If you do not pay on time then you will be charged even more fees.