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When an emergency strikes your family, are you prepared financially? Not
everyone can afford emergency medical care or car repairs. When you are faced
with a sudden financial burden that you are unprepared for, the fastest way to
take care of your financial needs is with a fast cash advance! Fast cash
advances are the easiest and fastest way to get the money that you need! When
you are in need of money fast, and you have decided to take out a fast cash
advance simply call the fast cash providers in your area. There are hundreds in
large cities and now even small towns have these kinds of businesses ready and
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Why we offers
paydaymax.com inc : In today's world of a
decreased job market, high interest rates, and bankruptcy around every corner,
it is easy to get wrapped up in statements such as, fast cash, no fees upfront,
and no credit checks. These words make it seem like all of our financial
struggles suddenly have a quick fix. Payday loans and cash advance loans use
these very words to entice people and give them a quick and easy solution to
their money woes. Although these programs do hold true to their words and they
indeed do give you fast cash, they are by no means a permanent solution to a
hopefully temporary situation. In essence, a payday loan is a way for a borrower
to receive their paycheck in advance in order to pay their expenses. The
borrower can either go to a payday lending store to receive the loan or they can
apply online through an internet lending company and receive sometimes up to
$1500. In most cases the borrower must present a copy of a check, employer
information, bank information, and their Social Security number. If processed
online, the loan will get direct deposited in their account. A couple weeks will
then pass and it will be time for the borrower to repay the loan. However, such
a situation does not pan out penny for penny. On top of the loan amount, the
borrower will also have to pay a large interest rate of 15 to 30 percent for
that two week loan period. That comes out to 390 percent to 780 percent of an
annual percentage rate. They will also have to pay a loan fee which is normally
around $15 for every $100 borrowed. In the present internet driven world, the
majority of payday loans are most likely applied for and processed online. Many
companies such as Personal Cash Advance, Cash Net USA, and Personal Money Store
make it fast, easy, and accessible to cover your expenses when money is tight.
Not only do they promise to get you the money you need but they vow to do it in
only a couple of minutes. Many people today are attracted to the idea that
everything they need is available to them at the click of a mouse. Therefore,
companies that operate completely on the internet and with fast results will
really appeal to such borrowers. Personal Cash Advance is one of the online
companies that offer instant cash to those who need to now. While many people
might know that by getting into such an offer they will be facing high interest
rates, such companies still try and sell their service by stating that
"customers choose payday advances to cover small, unexpected expenses while
avoiding costly bounced check fees and late payment penalties." At
personalcashadvance.com you can, "get your cash direct deposited overnight,
apply and process your loan completely online, have flexible payment options,
and the whole experience will be fast, easy, confidential, and secure." Although
all their words hold true in such luring advertisements, does the end really
justify the means? For some it might. When those unexpected expenses come up
payday loans can absolutely help you get through those couple weeks until you
can get back on track. But for others this short term quick fix could make a
long term problem if it is time to pay the loan back and the borrower still does
not have the money. Just like any other expense owed, the company that loaned
the money will attempt to get their payment and if the borrower does not have
sufficient funds it could result in more fees and more problems. Creditloan.com
offers a wide variety of services such as auto loans, cash advances, personal
loans, and credit reports. However, aside from such services, they offer tons of
information and tips about such loans and financial situations. Through their
own services and many archives of articles, this online company can help provide
you with both service and knowledge which is crucial when dealing with financial
hardships. In their article stated, 'Payday loans can further you into debt'
creditloan.com provides consumers with the information they need when
considering a payday loan or cash advance. While they state that in the case of
an emergency such loans can work just fine, they also persuade borrowers to pay
attention and read all the fine print so that they know exactly what they are
getting into. The article states that, "Once the money gets deposited in the
borrower's salary account the next month, the check that the lender has with him
is cashed. The check amount includes the fees, interest rates and other costs
associated with the payday loans. The administrative fee on the loans is high
and a borrower, at times, unknowingly pays more than what is asked for. This
creates a dent in the financial life of the borrower." Therefore, while such
loans can be a savior in a small and unexpected emergency, for those borrowers
who will not be able to supply the funds by the next pay check, plus some, such
loans can just further your financial dilemma. The article further goes on to
state some tips when thinking about and applying fro a payday loan. These tips
include, researching interest rates and trying to find the lowest rates, read
all the terms and conditions so that you know all of the rates and fees attached
to the loan, make sure that you are only getting a payday loan when absolutely
necessary and you will be able to pay it off in full at the end of the month,
and never get such loans more than one month in a row otherwise you will be
facing even higher fees and interest rates than before. Aside from receiving
their paycheck in advance through a payday loan, a cash advance is another quick
cash alternative for unexpected expenses or when you suddenly find yourself
without a positive balance in your bank account. The main difference between a
cash advance and a payday loan is a cash advance is a loan that is taken out
against a person's credit card or their line of credit. When a person takes out
a cash advance the interest rate that is applied to the cash advance is normally
higher than the interest rate applied to their monthly charges. The Payday loans
and Cash Advance Consumer Guide is a great resource for learning about such
loans, their pros and cons, and helping consumers decide what is really best for
them and their financial situation. With everything from definitions to tips to
state laws, this guide is crucial for those considering a payday or cash advance
loan. While this website does give the positive sides of such loans, they do not
shy away from the consequences of getting into such a loan. They state their
pros of such loans as, "such advances are easy to obtain, a credit check is not
necessary, a payday loan or cash advance can be approved and processed quickly
and funds can be received the next business day, they require no collateral,
such loans and advances require less paperwork than traditional loans, payday
loans and cash advance companies are easy to come by both in store and online,
and such loans and advances provide that quick cash one needs when something
unexpected happens." As stated before, this company states the consequences of
such loans and advances as "having very high fees and interest rates, if the
loan or advance is not repaid the borrower can quickly go into very high amounts
of debt, some payday loan and cash advance companies utilize unscrupulous,
unethical and, sometimes, illegal means to collect on defaulted loans, such
loans do not solve long-term financial problems but only help in the short term,
they are illegal in some states, many payday loans and cash advance companies
make borrowers sign contracts stipulating terms that are highly favorable to the
lender and not the borrower, and some payday loan companies have been known to
resort to unscrupulous and unethical means in order to collect on a loan." The
consumer guide also offers a wide variety of information regarding state laws by
stating that, "Federal laws governing small loans were first developed in the
early part of the twentieth century. These laws arose in response to the problem
of loan sharking. Today, payday loans are regulated under state laws. Whether or
not a payday or cash advance is legal where you live, depends on the laws and
regulations of your state." Currently there are 23 states that have laws
legalizing and regulating payday loans and cash advances. In such states,
licenses and registration of the loans and advances are required for the
companies to have in order to carry out such processes legally. Included in
licensing and registration, many states also have regulations and restrictions,
"prohibiting payday loan rollovers, a maximum number of payday loans that any
consumer may have at any given time, and prohibiting payday loan companies from
filing criminal charges against consumers who fail to pay their debts."
Therefore, with proper placement of such rules and regulations, borrowers can
apply for and receive loans and such loans are monitored in a legal and
organized way. The states with these additional restrictions include, "Arkansas,
California, Colorado, the District of Columbia, Florida, Hawaii, Iowa, Kansas,
Kentucky, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska,
Nevada, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Utah,
Washington, and Wyoming." The Payday Loan and Cash Advance Consumer Guide also
offers a great set of 10 tips for borrowers to remember before applying for a
payday loan or cash advance: 1. Always try and repay your payday loan or cash
advance in full when it is due without extending it. 2. Make sure you read the
fine print of any payday loan or cash advance contract before you sign it. If
you do not understand anything or have doubts, do not sign. 3. Before obtaining
a payday loan or cash advance, check with the Better Business Bureau to see how
reputable the company is and if it has any complaints. 4. Always consider
alternative loan sources before you decide on a payday loan or cash advance.
Consider family, friends, your credit union, a local bank, even a credit card.
5. If you intend to obtain a payday loan or cash advance, make sure you have
access to your recent employment pay-stubs as well as your bank account
information. 6. Be sure to know exactly when your payday loan or cash advance is
due and take the necessary steps to repay that loan on time. 7. Start saving an
emergency cash fund of, say, $500. That way, you can avoid payday loans in the
future. 8. Unless you use payday loans and cash advance loans very sparingly, we
strongly suggest going for credit counseling in order to learn how to
successfully budget and save. 9. Beware of bounced checks when you have
insufficient funds to repay a payday loan or cash advance company. These fees
can add up quick and can sometimes be quite high. In addition, your bank might
also charge you fees. 10. File a complaint with your state agency if you feel
you have been treated unfairly or illegally by any payday loan or cash advance
company. Everyone has financial worries, problems, and dilemmas at some point in
their life. And in today's society when financial woes seem like a trend that
will never go out of style, there is no reason to feel alone when money gets
tight. However do not get caught up in the bright advertisements for fast cash
and overnight direct deposit. Know exactly what you are getting yourself into
and before you get into it make sure that in the short term you will also be
able to get yourself out of it.