Author - Alec Holden

Useful Tips, Articles on Personal Finance

The Truth about Payday Loans: A Balanced View

Payday loans have a very bad reputation. Even so, they do meet a need. They provide short term finance for people who may be unable to get loans from banks. People with a bad credit rating or a low income can find it difficult to borrow money. Yet, there are times when they need to[…]

How to Pay Off Cash Advance Loans

A cash advance is a short-term loan offered by financial institutions. Often, it’s used to cover short term financial situations such as unexpected expenses. Besides, it provides you with extra cash before your next paycheck. Notably, cash advances are not for long term financial solutions. Therefore, you should have a good plan to pay off[…]

What Is Title Insurance?

While buying a new home, usually home buyers want to cut costs as the cost of homes continues to increase since the last few years. In order to cut to this cost, some of the home buyers are ready to spend some more money as part of their closing costs by buying a title Insurance. This[…]

9 Surefire Steps to Achieving Financial Freedom

The idea of financial seems like a great theory to many people. Even most of those who believe that financial freedom is truly achievable often don’t know what to do to get there. The great news, however, is that anyone can become financially free – including those with huge financial troubles at the moment. But[…]

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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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