How a quick payday loan may help

If you find yourself short of money in between paydays due to an unforeseen cost cropping up and wish to borrow a small amount of cash (up to two southend dollar loans) for a couple of weeks, what do you do? One solution may be to consider a quick payday loan.

A payday loan may be useful in a wide range of situations when you need cash – and fast. For example:

you are scraping by with five days to go until payday and one of your car tyres has a blowout. A payday loan may allow you to go out and replace the tyre within a few hours from applying;
you forgot to pay your gas bill and the final reminder drops through the letterbox, however you do not get paid for another week. A payday loan may provide the cash needed for you to meet it;
your monthly wage has not spread as far as you thought and you need to pay for childcare. A cash advance loan may help.
These are just a few of the situations where an instant payday loan may be able to help you over the short-term.

What is a payday loan?

A payday loan is a form of borrowing that is taken out for a short period of time – usually until you are next paid by your employer. Payday lenders typically limit the amount you are able to borrow – so huge sums are not involved, making the whole process quick and easy.

This type of loan is typically aimed at those who find themselves short of money between paydays, such as in one of the examples described above. Typically, you can apply for a payday loan and usually have the money in your bank on the same day (or the day after at the very latest), providing your application is approved.

Generally, the whole amount of the payday loan is repaid back to the lender on your next payday via your debit card (the details of which you will have supplied when you applied for the fast cash loan). Interest is added onto the amount you borrow plus a bank transfer fee. This amount will typically be made clear to you at the outset, so you know exactly what your cash advance loan will cost you.

A payday loan is not suitable for those who are suffering financial problems from month to month but rather if you come across an emergency from time to time.

Am I eligible for a payday loan?

As with any type of loan, there will be certain requirements that have to be met in order to be eligible for a payday loan. Typically, these will include that you must:

be at least 18 years old when applying;
have a bank account in the USA and a debit card attached to the bank account. (The latter is needed in order to repay the loan);
work in full time employment.
If you meet the above criteria of Extloans, or that set out by the provider you choose, then you may be able to benefit from fast cash, often in the bank within 2-24 hours, with a quick payday loan.

Take advantage of payday loans today

If you have found yourself in short-term financial trouble and need to get your hands on money fast, then you may wish to take advantage of payday loans today. A payday loan is typically a way of getting a short-term cash injection until your next payday or the one after.

When does a payday loan have to be repaid?

Normally when you take out a traditional loan, you borrow a sum of money (anywhere from $500 – $1000 upwards) and then spread the cost of the repayments out over some months or even years. However, with a payday loan (which is designed for smaller amounts of money, typically from $100 – $250) you do not spread out the repayments. You will be expected to repay the total amount – with interest and any administration fees – on your next, or the following, payday.

Typically, when applying for one of these fast cash loans, the lender will require your debit card details. If your payday loan is approved, the amount you need to repay is then taken from your account automatically, on the pre-agreed date.

Criteria you may have to meet

As with any type of loan you apply for, there are typically requirements you have to meet in order to be eligible for payday loans today. Usually, you have to be: over the age of 18, in full time employment, the holder of a bank debit card.

Bad credit payday loans

Even if you have experienced financial difficulty in the past and have a less than perfect credit history, you may still be able to be approved for a payday cash advance.

How long does it take to get cash?

How long you have to wait for your money after being approved for a payday loan depends on the provider. In some cases the cash may be in your bank account within a couple of hours. Otherwise, it will hit your bank account on the following day.

So, if you are looking for some short-term money to tide you over, payday loans today may be an ideal way to ensure you are able to manage financially until your next payday. However, this type of borrowing is not a loan to be relied on when you are in debt and struggling financially over the long-term.

There’s a guy on E-bay who’s some sort of sub-distributor that

I got it from–list price is about $195 and I got it for $130. But I’d played it for about 2 years before actually springing for the game itself–with others who already had. There are a few online clubs and other sites where people hook up to play. And folks—if it was really “overpriced” it wouldn’t sell. I appreciate the animosity towards Michael re his stand on MLM’s, but you don’t sell millions of books to just MLM’ers. He’s as entitled to promote himself, his theories of business, and his games/books/tools as any other “information entrepreneur” and there are LOTS of those, from the Wade Cooks, Robert Allens, Suzy Ormonds, the Motley Fool boys, etc. etc. to the more infomercial-sleazy types like Carlton Sheets and Dave Del Dotto and the rest of the latenight crowd.

Is there a consensus here against success or “getting rich” beyond the avowed anti-mlm stance? I hope not, but sometimes it seems so in some postings.

Does the taxes amount include gas tax, or tolls?

I live in MA and my excise tax is $49/yr. My car is worth about $10k and my commute is toll-free. Maybe SUV’s and luxury cars are taxed higher??

On my old car I budgeted $600-$1200 for repairs, though. My “new” car is a 2005 with 33k miles so it’s been good so far. (2005 4cyl Camry, inherited it with only 3400 miles, when my Dad passed in 2009. He bought it new. Thank you Dad! I never bought a new car, but he believed in buying a car new and taking care of it and driving it as long as possible).

I admit it

I still have my credit card. I use it a couple times a year to keep it active. I really have it active to keep my credit score up. I know others would disagree with me but here in Washington (state) you get dinged hard on car insurance when you don’t have a good credit score. So anyway, it was time to use it and I made an online purchase of $21.11 3 days after it posted to my account I paid it off.

But to use it I had to dig it out of the safe in our closet. And now, I can’t find the damn thing to put it back! I know it’s in my house. And the scary thing is that my house is generally clean. I don’t have crap everywhere or messes here and there. I am pretty uptight about how my house it. I can’t relax if it’s dirty or messy. So it’s baffles me as to where I put the VISA.

Maybe it’s God’s (and MC’s) way of telling me to get rid of the card…..

It’s odd that ALL the loans changed after BOA took over

For that to happen all of them would have to be past whatever ‘tipping point. was in the contracts. Since it’s unlikely that the loans were originated at the same time, I suppose they’re all old loans?
Mine is a 5/1 loan, so I understand rates changing. Currently I’m at a 3% rate. But even if it starts to go up(even past what I could afford, which is what I was facing in late 2008), I don’t have much recourse. The property values have dropped so much in this area that I can’t refinance. The house isn’t even worth what I owe on it.

That would be nice if it worked that way, but the lender might put up something of a fight

With a way better-funded legal team than what most homeowners are able to access. As I’ve thought more about this, I found myself wondering if this was what was called a 3/1, 5/1 or even 10/1 loan. Those first numbers represent the number of years the loan would stay fixed, but after that time it would adjust every year to the given market rate. Some loans were marketed very heavily with that up front fixed rate, but the loan docs would have clearly stated it was an adjustable rate loan. That’s not something the lender could fudge on – both state and federal law regulate what the lenders must disclose, and this fixed-to-adjustable aspect is one of them. The docs would have clearly stated that the loan would start to adjust on X date, and the amount by which the loan rate could go up or down. One or two percentage points was typical but there were loans out there which didn’t have floor/ceiling rates and/or adjustment limits. If the whole neighborhood’s rates shifted after being fixed for a long time, I’ll bet this is why. If the loan docs say the loan could adjust after that X amount of time, there’s very little the homeowner can do at that point – they signed it and it was their responsibility to understand it. The document where that is all laid out is a single page document in either 10pt or 12pt print, so it would be hard to miss. If, on the other hand, the loan docs “hid” that in some kind of fine print, or never disclosed it, then the lender broke the law. Period. At which point the homeowner would have options under the various predatory lending programs which came out a few years ago. There’s just no wiggle room on stuff like this. Where most homeowners fall down on stuff like this is that they don’t hire attorneys to go after the lenders, because they’re trying to make that huge house payment and they don’t have money left over for legal counsel. That’s the gamble the lenders take, and they often win that gamble.

Normally that’s the case –

lenders or loan servicers who purchase loans, must honor the terms of the original loan. I’ll be curious to learn more about this situation. I can understand a single clerical error which had a fixed-rate loan double the charged rate, and someone dragging their feet about fixing it. If it’s happened to the whole neighborhood, and they all got the same financing at about the same time, that makes me wonder if there was some hidden and/or undisclosed clause at closing which said the loans could or would adjust under certain circumstances. If that’s the case, it should have said so in the closing loan documents, which folks SHOULD have saved for their records, but which also SHOULD still be available for review from the lender itself. In that case, it was the lender’s job to point it out, but also the borrower’s job to know their own loan documents and ask if they didn’t understand that clause. If those terms were not disclosed, that lender is ripe for a class action lawsuit. Which of course the whole neighborhood would have to get together, with their various legal counsel, and file that as a collective effort. Which is very difficult to make happen, not for legal reasons but just in terms of sheer “talk to everyone and get ‘em on board”.
Sounds to me like someone with the lender looked way down the line, saw the likelihood of this oddball scenario playing out, gambled that no one would file against them, and right now they’re reaping the benefits of that bet. Decisions like that are not made at lower levels. If the above scenario is accurate, it would have been a top-level decision.
I would hope the friend in this situation is pursuing legal recourse? Easier said than done, I know, but this is NOT how loans are typically handled. The terms you sign are the terms for the life of the loan unless you refinance. A fixed rate is a fixed rate unless there was some kind of “out clause”, and it would have to be stated as such. Lenders can’t just go changing terms. If that were the case, we’d all have some sky-high APR right now.

Just spoke to a friend

She and her hubby moved so her kid could go to a really good school in a different county, this was back in ’05. The mortgage was with CW then rolled into BOA. they gave up the house in ’08 because when the transfer was done, their fixed rate 30y doubled. The bank still has not resolved this. They know there is a problem, know it is their fault, but keep dragging out the process. Guess I’ll hear next month if this is settled…don’t think it will be.

I know I am going to get yelled at but..

I have 2 deficiency balances from a truck and boat I turned over to voluntary repo because we couldnt afford it any longer after my husband went salary. Does anyone know how to make them do a settlement offer?

I have Fidelity Bank for the truck and owe $16,000 and Merrick for the boat and owe $9000.

I was hoping to pay maybe 40% on each…. Im current on the monthly payment plan but want to see about getting them paid off.

Anyone deal with this??

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