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Payday Loans

Payday Loans and Cash Advances

Payday Loans and Cash Advances

Payday loan and cash advance companies allow individuals to borrow money from their next paycheck. Although these loans may seem like a quick and easy answer to an immediate cash need, they must be approached with extreme caution. Payday loans have a hefty price tag, with a typical APR of 300 percent or more. They are easy to renew, leaving some borrowers trapped in debt by paying renewal fees and high interest rates, while making little progress in paying off the original loan amount.

How do payday loans work? Borrowers visit a payday-lending store or apply online for a small cash loan that matures on the date of the borrower's next paycheck. The loan is secured by a postdated check from the borrower for the amount of the loan, plus fees. When the loan is due, the borrower pays off the loan in person, or the lender cashes the check or submits an electronic debit to the online customer's account.

Avoid the payday loan debt cycle.

  • Evaluate the need for the loan - if the purchase can wait, then wait.
  • Tap other resources, such as family, friends, or a credit card if the purchase absolutely can't wait.
  • Avoid obtaining a payday loan if you will not have the cash when it matures.

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