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How To Get An Extension With A Payday Loan

Payday loans are easily obtained and very helpful when you need cash in a hurry. The normal repayment comes out of your checking account on the next payday. Very convenient - but it does not always work so smoothly. Being that you were tight for cash in the first place, it sometimes happens that your next paycheck may not be enough to pay it back. Here are some of your options.

Get An Extension

If you know in advance that you will not be able to pay it back this payday,...

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Payday loans are easily obtained and very helpful when you need cash in a hurry. The normal repayment comes out of your checking account on the next payday. Very convenient - but it does not always work so smoothly. Being that you were tight for cash in the first place, it sometimes happens that your next paycheck may not be enough to pay it back. Here are some of your options.

Get An Extension

If you know in advance that you will not be able to pay it back this payday, it is possible to ask for an extension. The worst thing you could do would be to simply do nothing. Payday loan lenders are generally not patient with people who are careless or indifferent about paying their bills on time. They will probably go to a collection agency very quickly. This can hurt your credit rating in a very short time.

An extension needs to be filed by notifying them within two days of the date the payment in full is due. The lender will want to know when your next payday is coming and will expect payment at that time. Extra charges will most likely apply. In fact, it may be the same thing as taking out another loan - but you can get your extension.

Refinance The Loan

Another option, which may be the less expensive of the two, is to refinance your payday loan. In this case, you ask for an extension, or a rollover, but you also are going to put something down on what you already owe. You will be expected to pay at least the interest on the first loan. By refinancing your payday loan, it is the same as if you had taken out a new one. The same interest rate will be added, and you will be given up till the next payday to pay it back. If necessary, you could do this same thing again, too.

Get Another Loan

If things are really desperate, you may be able to pay off the first loan by getting a second one. Of course, you will go to another payday loan lender in time to receive your cash before the other one is due. You will also need to add the interest to the first loan in order to close that loan.

Some states will not allow you to have more than one payday loan out at a time. They may also mandate that you wait at least two to seven days in between loans. Obviously, this will not work in those states. In general, though, many states will allow you to have up to three loans out at one time. However, it is not a good idea since you are paying very high interest. Payday loans should be reserved only for those times when you cannot get cash quickly another way, and at a lower interest rate.

Before you apply for your payday loan, you should shop around some to get the best deal you can find. You will also need to make sure that you apply at a place within your state to ensure compliance and that you understand the laws that apply. The interest rates vary widely, going anywhere between 15 and 30%. By looking around, you can get lower interest rates and new options are popping up all the time - including the ability to repay in multiple payments in some places.

 

How To Get Your Payday Loan Cheap

Its no secret that Payday Loans are expensive. Payday loan fees and interest are about 5-10 times more than that of a credit card. The benefit to using a payday or cash advance loan is that you can get the cash fast and the loan approval process is relatively quick. There is no credit check, so that's one less obstacle to overcome. But it is important to get the cheapest, lowest fees you can when you do get a payday loan.

Here are some tips to help you get a cheap payday l...

payday loan, cash advance, poor credit

Its no secret that Payday Loans are expensive. Payday loan fees and interest are about 5-10 times more than that of a credit card. The benefit to using a payday or cash advance loan is that you can get the cash fast and the loan approval process is relatively quick. There is no credit check, so that's one less obstacle to overcome. But it is important to get the cheapest, lowest fees you can when you do get a payday loan.

Here are some tips to help you get a cheap payday loan:

Compare 3-6 Payday Loan Companies Before You Decide - Payday loan companies fees can vary greatly. Make sure you compare multiple lenders before you decide. Even if the company says that they have the lowest fees. Don't take their word for it.

Read The Fine Print - When comparing fees from payday lender to lender make sure to read the fine print. When they say their fees are $10 per $100 borrowed, find out how long that is for. Is that for a 14 day loan or is that per week? Make sure you know how much each company is charging per 14 day period, per $100.

Only Borrow What's Necessary - This is not the time to get a little extra cash "just in case". Payday loans will always be available. If you do end up needing more money you can borrow more from another company. Only borrow the bare minimum that you think you will need. It would be tremendously wasteful to end up borrowing more than you needed, to pay the interest on money that sat in your account and then you just turned around and gave it back to the lender.

Borrow For The Shortest Amount of Time Possible - Ask about an early payoff. Does the lender allow you to pay the loan off earlier than expected if you are able to? Make sure you can, you don't want to be paying extra interest on money you no longer need.

 

How To Improve Your Approval Rate For A Payday Loan

Faxless Payday loans differ from other types of loans in that they do not check your credit history with the three main credit bureaus. They do not look at your monthly outgoings or credit card status. While this means that it is relatively easy to obtain an online payday loan it does not mean that anyone can get it. Reputable lenders, like www.getfaxlesspaydayloans.com, will carry out some checks, especially on your work status and checking account status. Lenders that cl...

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Faxless Payday loans differ from other types of loans in that they do not check your credit history with the three main credit bureaus. They do not look at your monthly outgoings or credit card status. While this means that it is relatively easy to obtain an online payday loan it does not mean that anyone can get it. Reputable lenders, like www.getfaxlesspaydayloans.com, will carry out some checks, especially on your work status and checking account status. Lenders that claim otherwise, or who are willing to lend to anyone should be avoided at all costs.

In order to optimize your application you need to keep in mind what payday loans were designed for. They are designed to tide you over until your next paycheck or social security check. Therefore you must have a provable source of income and you must have a Social Security Number. You must have a checking account, in good standing, and this can be with a bank or credit union. You must also be over 18 years old. Because these are online applications you will need an email address. Applications for payday loans are tracked, and multiple applications can result in all applications being denied.

When filling in your online application form, the first rule is always be truthful. This is the most important aspect of increasing your chances of success and will avoid disappointment later on. Remember a fraudulent claim now will not only result in a refusal for the current application, but will affect all future applications you may make.

Lenders for online payday loans need proof of employment. You must have a job, of at least 3 months duration, and with a take home pay after taxes of at least $800 per month. These work requirements protect you as much as they protect the lender. Because of the private nature of getting a loan, reputable lenders will not divulge information while checking your employment status.

You need a checking account in good standing. This means no overdraft charges, no returned check charges and no negative balance. The lender will require your bank routing number, so when filling in your online form you should have your banking information at hand. The routing number is a nine digit number located at the bottom of your personal checks. This number is needed in order to transfer funds to your accounts. You will also need your drivers license number or State ID number.

For first-time applicants, the online form should not take more than 5 to 10 minutes to fill in, providing you have the above information at hand. Once you are registered with the lender, further applications take even less time to fill in. Providing you tell the truth, fulfill employment and checking account requirements and fill in the required boxes correctly you should have your faxless cash advance the next day in your account.

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