Payday Loans - Ways to Keep Your Costs Low
Payday loans offer a fast and easy solution to financial emergencies. But, costs can add up if you don't pay the loan off or borrow excessive amounts. To use payday loans wisely, follow these tips.
Borrow What You Need
You may be instantly approved for $1000, but it will cost you more than a $500 loan. The fees may be the same for both loans, but the interest fees will be higher for the $1000 loan.
Save yourself cash by only borrowing what you need to cover your expenses. With the lower amount, you can pay off your payday loan quicker, saving even more money.
Compare Payday Lender Fees
Payday lenders charge different fees and interest rates, so compare lenders. Payday lenders are required by law to post their fees and rates. You can quickly compare these fees and interest rates through online payday lenders.
When comparing, look for both the flat financing fee and interest rates. Add these two amounts to get the true financing cost of the payday loan. This extra step will save cash, especially if you rollover your loan.
Pay Back Your Cash Advance ASAP
Pay back your cash advance loan on your next payday or soon after. The longer you take to repay the loan, the more interest fees will add up.
By default, most payday loan companies deduct the minimum finance payment from your checking account, adding several months to the length of your payday loan. Instead, when you apply for your payday loan, opt to repay your loan sooner with larger payments.
Never Skip A Payday Loan Payment
To avoid spiraling fees, do not skip a payday loan payment. Not only will you be charged late charges by the payday loan lender, you may also be charged fees by your bank for lack of funds.
Talk with the payday loan company if you are having trouble making a payment. Payday loan lenders offer several repayment options, and they will find one that works for your situation. Paying the costs of a longer loan is cheaper than paying late or NSF fees to your lender and bank.
To view our recommended sources for payday or cash advance lenders online, visit this page: Recommended Payday Loan or Cash Advance Lenders Online.
Carrie Reeder is the owner ABC Loan Guide, an informational website about various types of loans.
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