Author - Scott Mclean

Useful Tips, Articles on Personal Finance

Are Payday Loans Less Expensive Than Bounced Check Fees?

Checks are an essential part of our financial system and are often used to pay for goods and services. However, they can also be unreliable if the recipient doesn’t have enough funds in their account to cover it, resulting in a “bounced” check. This can be a costly mistake for both parties, as banks usually[…]

Best Way to Spend or Use a Payday Loan

Many issues can cause you to get strapped for cash before your next paycheck. In such situations, you might have to get a payday loan, especially if you need the money quickly or your credit score is wanting. However, it is worth noting that payday loans come with several challenges. For instance, a payday loan[…]

Must-Read Tips for Getting a New Credit Card with Bad Credit

Getting a new credit card with a bad credit score is difficult, especially the regular ones that offer bonuses, perks, and a low-interest rate. However, with a set of intelligent decisions and some patience, you can get such a regular credit card. This article will discuss what kind of credit cards you can get with[…]

Excellent Guide On How To Finance A Car

The decision you make when acquiring a new car – whether you’re acquiring a car for the first time or replacing your old vehicle – relies on an array of factors including such things as your cash flow, credit score, and even the type of car you wish to buy. For this reason, it is[…]

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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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