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Let’s face it. At some point in your life you have or will have an emergent financial situation creep up on you. If you are like most Americans, you live from paycheck to paycheck and don’t usually have thousands of dollars to pull off your money tree in the backyard to pay for unexpected things.
But, you may be leery of the solutions that are currently very popular right now – payday quick cash loans. You may have heard some negative criticism about them. Some of the opinions going around are that payday quick cash loans exist to take advantage of the below average income family. That is simply not true. These loans exist to help any person in a time of need. You may have also heard that the interest rates are excessively high. They can be a little higher than normal, but these are meant to be short term loans only. Once you convert the interest rate of a payday loan into a typical APR, it is shockingly drastic. That is where you get people saying that these are not good loans.
Let’s examine what the needs are and what the actual loans entail. You are basically charged a certain amount; say $14 – $19 as an example, for each $100 you borrow. If you only need a couple hundred, that isn’t so much. If you need several thousand and know you can’t pay it back in a short amount of time, this may not be the best option for you. Going through a bank or another kind of lender can be a drawn out process and also take days to process your application.
Payday loans are not meant to be long term, as I mentioned above. You must be a smart consumer to determine how great your need is and if this type of loan fits your current need. For instance, you may not want to take out this type of loan if you want to buy yourself some new shoes or a new wardrobe. That could get addicting and eventually get you into trouble. You may need some car repairs that are quite urgent, or have a looming medical bill that needs to be paid before going to collections. These are better needs in which to apply for a payday loan. Although, you can apply for one no matter what you need the money for.
The best thing for you to do is to research companies in your area or online to make sure you are getting the best deal and not being taken advantage of. How do you know if you are being taken advantage of? Research your local laws regarding quick cash loans. If you choose to go with a lender online, make sure they are in your country. The laws differ from country to country and state to state.
Now that you know that payday quick cash loans are not evil and you have determined an adequate need, here is a list of your requirements.
1. Must be 18 years of age or older.
2. Must be able to show proof of income.
3. Must have a bank account to deposit funds.
Even if you have bad credit, or no credit, you can usually find a company that will lend you the money anyway. These types of loans are great for people with less than adequate credit who need a lump sum of money fast. If you are one of these people, you will know how aggravating it can be to apply for any type of credit.