Looking For Cheap Payday Loans Online
It happens even to the best of us. Situations arise where you have to shell out more money than you have, like the time that your dentist says that your little girl needs braces, or that your water pipes suddenly burst and the basement is a mess. Desperate times call for desperate measures so we avail an online payday loan.
This is an option none of us want to avail of as payday loans usually have a high annual percentage rate, ranging from 500% to 1000%. Like if you borrow $100, in two weeks’ time you have to pay it off with a $25 on top of it.
Although that may be the case, there are online payday loan lenders that offer relatively low rates. Here are two sites that offer cheap online payday loans.
· Payday Cash Advance Loans (http://www.paydaycashadvanceloans.biz/)
This site offers a finance charge of only $15 for every $100 borrowed in 14 days. Say you borrow $300, then you will pay it back at $345 after 2 weeks. This is relatively cheap compared to most online payday sites and this company has a great customer response track record. To apply, just fill out their application form online and one for their support team representatives will call you back for assistance.
· Cash Net USA (http://www.cashnetusa.com)
Their rates vary per state but it usually runs in the family of $15 or $17 for every $100 loaned. Also, this site follows each state’s regulation so you know that you are transacting with a legitimate company.
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Who Else Is Looking For Fax-free Payday Loans?
If you have a financial emergency of some sort, like your gas pipes are on the fritz or your child is suddenly sick and you need to rush him or her to the hospital or you have to pay some bills for school, it’s a good thing to know that we have payday loans to run to. These are also known as cash advances or payroll advances as these loans would usually need you to show proof of regular income flow.
With the advent of the internet, one can even do an online payday loan now. And to top it off, these online payday loan lenders would not even require you to fax any documentation whatsoever.
But how do these fax-free online payday loans work? Basically, you just need to satisfy their requirements such as having a regular income stream that reaches $800 in every bi-week, you have to be of legal age, a US resident and you have a checking account that takes in direct deposit.
These reputable and legitimate online payday lenders will then ask you to fill out their secured application form. Submit this and within a day or two (some companies even contact you in less than a day), this company’s representative will call you up for verification. From hereon, the processing differs from one company to another, some will ask you to deposit a small fee before they approve your loan while some will just need to contact your bank for details. In any case, in a day or two after your call, the loan is completely processed without you faxing in any documentation! Fast, simple and easy.
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What You Need to Know on Online Payday Loans
Online payday loans are there to assist us if our paycheck is not enough to make us survive from one week to another. They are relatively short term loans that span a period of 7 days or 14 days, depending to the online payday loan company that you availed of. Here are some of the advantages and disadvantages of payday loans online.
Advantages
1. Online payday loans are usually availed when you need money ASAP. It is usually availed if you need to pay necessary bills like gas, water and electricity so an advantage of an online payday loan is its fast processing speed. It usually takes as fast as 3 hours for the application to be processed and for the money to be wired to you.
2. Credit check is not done for payday loans. So whether you have a bad credit standing or a pristine one, you get the same treatment.
Disadvantages
1. The interest rates are staggeringly high. Annual percentage rates range from 500% to 1000% which makes it seem that online payday loan service companies are loan sharks in themselves.
2. There is the tendency to slip into a slippery slope of living off on one payday loan to another. The cycle can go on and on.
3. Like any internet business, online payday loans are peppered with scammers that will siphon money off you or steal your identity so you have to be vigilant in choosing a reputable online payday loan company to service you.
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Are You Looking For Online Payday Loans?
In times that we get in a tight spot, a good option that we can resort to is to avail a payday loan. And thank heavens because nowadays, even if you do not leave the comforts of your own home, you can request for an online payday loan. Here are three sites that give great online payday loan services.
- Payday Loan at http://www.paydayloan.com/
If you avail of this company’s service, their rate is $17.65 for every $100 loaned. Their repayment time is 14 days, enough to tide you over on your next bi-week pay. Unfortunately, this company only gives payday loans to people who live in California but they will still be able to help you locate a place if you reside out of state.
- Payday One at http://www.samedaypayday.com
This company has been in the business for the past 6 years. A great policy that this company has is that if your application was completed on or before 5 o’clock p.m. Central Time, your loan money is actually credited the very next day! Their customer support group is also helpful and very respectful of your situation. The rate differs per state but an example in one state is as follows. For a repayment time of 14 days, the rate is $17.50 for every $100 loaned.
- 1st Choice Money Center at http://www.easymoneyutah.com/
For 8 years, this company has been in the payday loans business. The loan process takes less than a day and the rate is set at $20 for every $100 borrowed.
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Here’s a Quick Way to Get Money – Payday Loans
What are payday loans? These are usually known as payroll check advances or payroll advances. These are loans that we avail of every time our salary cannot tide us over from one bi-week to another. They are rather easy to request compared to that of regular loans that check if you have bad credit and will request all sorts of documentation that you do not have time to compile especially if there are bills to pay and you need to work extra hours to get over time pay.
There are different ways that you can avail of a payday loan. You can go to payday loan centers that are usually seen in check encashment shops, pawnshops and buy and sell shops. Another option that is a better alternative is requesting a payday loan via the internet. If you do it online, you do not need to actually leave your home, saving gas and time.
Online payday loans are a dime a dozen on the web so they are relatively easy to find. If you want to find companies that provide online payday loan service, then go to your favorite search engine, and type “Payday loans.” In less than a second, the search result will yield to a lot of links routing you to companies providing payday loan services. Once you’ve chosen a company, make sure it is a reputable online payday loan service by checking out its testimonials page because some sites can scam you in giving information that can be used to steal your identity. Although that may be the case, there are a lot of sites that offer scam-free online payday loan services, so just be patient and you’ll surely find a good company that can help you out of your predicament.
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Welcome To Your Safe Online Payday Loan Guide
Your Safe online payday loan guide will provide you with all the information you will need for online payday loans. Induring the process of aquiring an online payday loan you will have to give out your personal information to companies that only have a store fron online. Since your only way of contact is through an website, email address and phone number. This website will be dedicated to investigating every cash advance company it reviews and give you an upfront honest opinion on how safe it would be when dealing with the particular company. We will be reviewing not only how safe the company is, but many diffrent stastics and services that they will provide.
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