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A payday loan means a little more extra cash for you to spend on the things you really need. It is credit that is supposed to get you [link widoczny dla zalogowanych] out of trouble, but could land you deep in trouble too if you don't use your head. If you are in dire need of a small cash loan to get you through the month, here are a couple of things you need to know first, before you take out that loan.
Ask yourself if you [link widoczny dla zalogowanych] really need it
Seeing as it's a short-term extension of credit in your favor, it naturally follows that a payday loan will have associated fees, that are substantially higher than that of your average loan. The cash you borrow [link widoczny dla zalogowanych] should only be as much as you are able to repay on your next paycheck and averages between $50 and $500. Should your needs require a higher amount to be repaid over a longer period, it would be wise to get in touch with your employer and ask for an advance on your paycheck or, alternatively, obtaining a line of credit or getting a cash advance on [link widoczny dla zalogowanych] your credit card.
Payday loans are only for those who can afford to repay the loan amount as [link widoczny dla zalogowanych] well as the fees in a period typically less than a month. And just remember, even if you can repay it, you'll need to ensure that you'll be able to survive the month after repaying your debt without recourse to another payday loan.
But what if you do need another loan?
If your payday loan company is any good, they'll most [link widoczny dla zalogowanych] probably reiterate that a payday loan is just a short term extension of your financial credit, typically not taken out in consecutive months. But life happens and cash always comes in handy when things get tough.
In most instances you'll be able to get another payday loan within four business days of the first being settled (that's how long it takes for your cash to clear into their bank account). Should you need another extension of your financial credit sooner than that, then you'll obviously have to supply them with a proof of payment of the [link widoczny dla zalogowanych] amount paid to them by using their screenshot utility.
Are there [link widoczny dla zalogowanych] payment options?
As you may well know, the typical agreement is that you pay back the cash [link widoczny dla zalogowanych] you lent from the payday loan company as well as the associated fees, typically with the next paycheck. There are times when we just can't. As such there is another option available, but would incur higher fees.
You pay the accumulated fees and a minimum amount of $10 (depending on your payday loan supplier). However, do keep in mind that the full remainder of the principle loan as well as the new fees will all be due on the date of your following paycheck. As such, to keep your credit record in the clear, [link widoczny dla zalogowanych] it will be [link widoczny dla zalogowanych] wise not to skip payment on this date. Some payday loan companies do not even allow a payment to be skipped.
Jackpot! You struck it lucky and want to repay earlier - Can you?
By all means! And there's an associated benefit here, too - your payday loan supplier may just give you a partial refund on the fees associated with the amount of cash you got from them. The sooner you repay the original amount they [link widoczny dla zalogowanych] loaned to you, the better for your pocket and also your credit record.
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