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A Guide To Payday Loans

Payday loans have been around for a while, and they have become popular among people who need cash fast. Although they’ve been around for a long time, a lot of people don’t know much about them. Therefore we have put together a brief guide about these loans.

What Are Payday Loans

A payday loan is a short-term loan, which is often called a cash advance or fast cash loan. The reason why they are called paydays is because it is aimed at people who need money to tie them over until the next time they get paid. The idea behind these loans is you repay them back the next time you receive your pay check.

In general, the amount allowed to be borrowed is small and they are paid back within a short time-frame, such as 1-4 weeks. The length of the loan’s term depends on who the lender is. Before you sign an agreement, you will know when your payments are due and when the entire loan must be paid in full by.

How Do Payday Loans Work

A loan application is submitted and reviewed right away. In most cases, a decision will be made right away. For example, right after you submit your loan application, you will usually have be told if you’re approved for the loan or refused.

Typically, if you’re approved, you will receive your funds either on the same day, the following working day or within 48 hours. This type of loan is unsecured which means no assets are tied to it. However, if you default on the loan, then you it be go into collections.

Also, there are two parties involved with a payday loan agreement. One is the lender and the other is the borrower. Their responsibilities are outlined in the signed agreement.

As for how the loans are paid back, the most common form of payment is direct debit. Some lenders accept debit and credit card payments, as well as check payments.

Fees, Charges And Repayments

Something you should know about these loans is they come with high interest rates. In fact, the interest rates are almost always higher than short term loans you’d get from the bank. If you miss a payment on a payday loan, you will likely be charged a late fee and if you don’t pay off the loan in its entirety by the due date, then you might be charged a fee.

Here’s a tip, make sure you know exactly what your payments will be, the interest rate on the loan you’re applying for and if there are any late fees or processing fees. If you’re satisfied with the costs associated with the fast cash loan, then go ahead and apply for it.

Why Do People Take One Out

People take out payday loans for various reasons, such as they need to make some improvements around the home. This may include replacing a window or two, upgrading certain parts of the home or they may want to buy furnishings for the house.

Other reasons people take one out is because they are short on rent or a medical emergency occurred and they need money to pay for it. Some people just want extra money for shopping, a short vacation, weekend getaway and things of that nature. Cash advances can be used for anything.

Pros & Cons Of Payday Loans

The major con is the high interest rates. As for the pros, a person doesn’t need credit, or they can have bad credit because most lenders don’t run credit checks. Another benefit of the loans is they are available in amounts of typically between $100 to $1,000, but some lenders offer loan amounts in larger amounts.

Perhaps the best thing about a payday loan is how fast you can be approved, as the decisions are almost instantly. When you fill out your application and submit it, you will likely find out if you’re approved or denied right there and then.

When a person needs cash fast, then they should consider applying for a payday loan. However, they want to carefully weigh the pros and cons before making a decision. Fast cash loans are perfect for some people, while it can be a bad option for other people.
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7.8% APRC Representative

Representative example: Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.

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Accepted.co.uk is a trading style of Paloma Digital Limited. Paloma Digital Limited is an introducer and we will search our panel of brokers to find the right loan for you. Data Protection Registration Number: Z9868049.

Paloma Digital Limited is authorised and regulated by the Financial Conduct Authority. Firm registration number 769794. See www.fca.org.uk

 

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Using Good Credit To Your Advantage
Tips When Applying For Loans
Using Loans To Your Advantage
Borrowing Loans
Apply For Secured Loans
Difference Between Secured & Unsecured
Second Charge Mortgage Vs. Re-mortgaging
5 Hints For Borrowing Money Successfully
5 Do’s And Don’ts Of Borrowing Money
A Beginner’s Guide To Secured Loans

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

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Paloma Digital Ltd. Company Registration No. 6934249. Registered Office: Office 229, 275 Deansgate, Manchester M3 4EL.

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7.8% APRC Representative

Representative example: Assumed borrowing of £37,700 over 180 months, with a fixed borrowing rate of 6.4% per annum for the first 36 months, followed by 144 months at the lenders standard variable borrowing rate of 5.9%. There would be 36 monthly instalments of £356.89 followed by 144 instalments of £347.59. Total amount payable £63,021 comprised of; loan amount (£37,700); interest (£21,791); Broker fee (£3000) Lender fee (£530). This would result in an overall cost of 7.8% APRC.

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Accepted.co.uk is a trading style of Paloma Digital Limited. Paloma Digital Limited is an introducer and we will search our panel of brokers to find the right loan for you. Data Protection Registration Number: Z9868049.

Paloma Digital Limited is authorised and regulated by the Financial Conduct Authority. Firm registration number 769794. See www.fca.org.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Paloma Digital Ltd. Company Registration No. 6934249. Registered Office: Office 229, 275 Deansgate, Manchester M3 4EL.

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