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In today's fast-paced world, everyone is struggling hard to survive. In the
wake of the recent financial crisis, this bitter truth is even more evident.
More and more people are getting unemployed and huge financial hardships are
plaguing the lives of the victims of such a crisis. Anything unexpected can
happen at any time in life. You can never be too sure. There could be utility
bills piling up or there could be that unexpected medical emergency that your
insurance is unable to cover. If you are low on money then you should definitely
use fast cash advance loans. The benefits of such loans are immensely convenient
and your life can become much easier than looking around for money from friends
or family members who might have problems of their own to deal with.
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Why you should apply with
payday max number : A payday loan
is a small short term loan you can use to cover expenditure until your next
payday. You can apply online and the decision to loan you the money is made
almost straight away. In most cases the whole application can be completed
online and the money loaned can be credited into your bank account on the same
day as you make your application. A payday loan is an unsecured loan, so it is
not dependent on collateral, such as you owning a house or car etc. Generally
when you make your first application you can borrow any amount up to £300,
depending on your take home pay. You are more likely to be approved the less you
want to borrow, so it is advisable to borrow only what you need. Once you have
successfully repaid loans with one particular company they may then offer to
lend you anything up to about £750 in subsequent loans. Payday loans can provide
a useful solution for short term cash flow problems. Who can apply for a Payday
loan? In order to be eligible for a payday loan you must be over 18 years old
and in employment with a take home wage of at least £750 per month. You must
also have a bank account with a valid debit card. Even if you have bad credit
history you should still be able to obtain a payday loan as long as you fulfil
the above criteria. How do you get a Payday loan? The majority of payday loans
are available online, so there is no delay with faxing or posting of documents.
The application process is quick and easy to complete. You will be asked for
your name, address, details about your monthly income and employment, when your
next payday is, along with the amount you wish to borrow and your bank account
details. Once you have submitted your application you should hear back from the
payday loan provider within minutes. They will email you with their decision to
the email address you have registered with your application. Payday loan
providers partly make their decision as whether to lend you money dependent on
the amount you want to borrow compared to the amount you earn. Only borrow what
you need, the less you borrow the more likely that your application will be
accepted and the smaller the amount of interest you will accrue. If your
application is successful you will be sent, by email, your loan agreement
showing the amount that will be lent to you, the repayment date and the amount
of interest you will pay on the repayment date. Along with the loan agreement
you should also be sent loan conditions. These loan conditions should outline
your rights under the Consumer Credit Act 1974 along with details about repaying
the loan, cancelling the loan and the use the personal information you supply
when applying for the payday loan. If you are happy to proceed you sign online
by providing details of your name and answering a security question such as your
mothers' maiden name. Then, email this back to the loan provider and the money
will be deposited into the bank account you registered at the application
process. The money can be deposited in your bank account on the same day you
make the application, so this is a very fast and efficient way of borrowing
money short term. How do I repay the loan? You will need to repay the loan
amount and the interest accrued on the repayment date as specified in the loan
agreement. The repayment date is usually your payday, hence the name payday
loan. The repayment will be collected by the loan provider by debiting the bank
account you registered at the application process, which is the bank account
into which you get your wages paid. Repayment over a longer period Payday loans
may be extended if you find yourself in a position to be unable to satisfy all
or part of the amount due on the repayment date. If this happens it is
recommended that you contact your payday loan provider as soon as possible and
explain your circumstances to them. They will then be able to explain your
options and how to go about extending your loan. Even if you are not able to
fully settle the repayment amount, it is advisable to pay off as much as
possible on the repayment date. This will help to keep the amount of interest
you owe to a minimum. Some companies may charge you additional fees for
extending your loan, you should check if this is the case before you sign your
loan agreement. Regulation of Payday Loan Companies Properly regulated payday
loan companies must adhere to strict laws governing the finance industry. As
with any financial product you apply for it is always advisable to check that
the company offering the loan is properly regulated. The payday loan company you
are applying to should show its Consumer Credit Licence number within its loan
conditions and it should also be authorised by the Office of Fair Trading. If
you are in any doubt as to whether the payday loan company you are considering
applying to is fully regulated then you are within your rights to contact either
of these bodies for further information. As long as the payday loan company you
are applying to is properly regulated, there will be a recognised body to make
any complaints you may have to and you can be assured that you will not be
subject to any unfair practices. What are the benefits of a Payday loan? Fast
One of the main benefits of a payday loan is the speed at which the cash can be
credited to you. The money you need can be available to you in your bank account
on the same day that you make the application. This can provide valuable
assistance if you have a short term cash flow problem and need money in an
emergency. Simple The application process is very simple, it takes just minutes
to apply for a payday loan and you do not have waste time posting or faxing
documents to the payday loan provider, as you would with other more traditional
high street loans. Poor Credit History Payday loans are available to people with
a poor credit history. This is because payday loan companies do not solely make
their decision to lend based on a persons credit history. As long as you fulfil
the application criteria you have a good chance of obtaining a payday loan. For
many people a payday loan may be the only way they are able to obtain credit,
especially in the current financial climate where the majority of lenders are
unwilling to provide loans altogether, never mind to a person with a poor credit
history. Use of the Loan Money You do not have to tell the payday loan provider
what you need the payday loan for. You can use the money for whatever you want.
You may need money in an emergency which can not wait until payday for instance;
emergency medical or dental treatment, to settle a bill quickly, extra spending
money on holiday or even for a romantic weekend away. The choice is yours as
long as you make the repayment due on the repayment date. No Upfront Costs There
are no upfront costs associated with a payday loan. You do not pay anything back
until the repayment date you have agreed to in the loan agreement. Why does the
APR appear high on payday loans? The APR applied to payday loans appears at
first glance to be high. This is very misleading, but there is a simple reason
why this figure looks so high. APR is an Annual Percentage Rate, and as such is
calculated over a whole year (365 days). However, a payday loan is taken usually
only over a number of days or weeks. The APR calculation was not designed to
apply to very short term loans such as payday loans. It was designed to apply to
long term loans in existence for a year or more. It is really a theoretical
figure than enables people to compare similar longer term loan products, like
mortgages or ongoing credit balances. Rather than relying on the APR rate it is
more advisable to look directly at the loan agreement to see exactly how much
interest you will be charged for the period of your payday loan. Some companies
have a standard interest charge for the amount you wish to borrow regardless of
the duration of the loan. It is then up to you to decide whether you will be
able to repay both the cash advance you receive initially and the interest
amount on the repayment date. To Conclude Many people do not have savings or
access to credit cards or more traditional loans and so the convenience of a
regulated payday loan provides piece of mind should the occasion arise that they
need some money quickly. If you need money in a hurry, can not wait until payday
and are confident that you can make the necessary repayments on the repayment
date, this could be the ideal solution for you. Overall, payday loans are
convenient, easy to access and offer a viable option for people who require
money quickly for whatever reason.
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