Useful Tips, Articles on Personal Finance

Payday Loans: Does It Affect Your Credit Score?

Ever had a financial situation and needed money urgently? Well, I am sure you must have thought about a payday loan. But, many people ask themselves, will payday loans affect their credit score? I understand that building up your credit score takes time, and you want to protect it. However, a payday loan cannot affect[…]

Top 8 Benefits of Payday Loans

Payday loans are short-term loans people apply for if they have instant cash needs to cover. The loan amount limits are usually small, about $500 or less. Payday loans also come with higher interest rates than most forms of borrowing. Borrowers are also required to repay the loan by the next payday. The benefits of[…]

Unusual Loans That Don’t Require a Credit Check

Loans have become a defining part of life, whether student loans, personal loans, or business loans. When applying for a loan, the first item lenders check is your credit history to determine creditworthiness. The more favorable your scorecard is the higher chances of application approval with a lower interest rate. But what happens when you[…]

8 Good Reasons To Use A Payday Loan

Payday loans, also known as cash loans or short-term loans, are instant loans that people often use to cover essential expenses quickly. The advantage of these loans is that you can get the money you need instantly to cover your expenses. As long as you pay it back in time, you won’t damage your financial[…]

No Credit Check Payday Loans for Fast Cash

It’s normal to find yourself needing extra cash than your income allows, especially in the middle or towards the end of the month. Unexpected vehicle repairs, medical emergencies, home supplies, and other such expenses could drive you to seek some additional money. If you don’t have some money saved up, figuring out where to get[…]

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APR Disclosure: An APR (annual percentage rate) refers to the specific rate at which loans accrue interest and is generally based on the cost, amount, and loan period, as well as the prescribed payment timing and dollar amounts. Any lender that offers loans to consumers must by law show a borrower the exact APR charged for the loan and all loan terms prior to the execution of any loan agreement. Certain states may have specific laws that limit the APR that lenders may charge any borrowers. The actual cash advance loan APR ranges from 200 percent to 1386 percent, whereas the APR for installment loans ranges from 6.63 percent to 225 percent. However, loans made in those states with no laws regarding APR limits for loans and any loans made by lenders that are not currently subject to state laws in these regards could carry even higher APRs. PLEASE NOTE: All APR rates on cash advance loans may be subject to change at any time.

 

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Borrowers Beware: Short-term lending is intended to address financial needs for a short time; hence, it can’t be used as a long term solution. Short term loans come with some costs that may make a borrower’s financial situation worse. Applicants are advised to consult with a financial expert about the risks involved in taking a short term loan and the best alternatives.

 

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