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Low Cost Payday Loans Bring Relief

Facing a financial emergency can cause a lot of stress and worry. But now, you can find relief with a low cost payday loan based on your job and bank account – not your credit score. So even if you have bad credit or no credit you can still get approved for the money you need.

In minutes, you can complete a secure, online application, submit it to dozens of lenders and receive several loan approvals. Then all you have to do is choose the best one -- in the comfort of your own home, without pressure from a loan officer.

The High Cost of Overdraft and Other Fees

While, it's true that interests rates on short-term payday loans can be higher than traditional credit-based bank loans, you can still save money. Here's why. Studies have shown that these types of loans can be less expensive than overdraft fees. Banks charge flat overdraft fees to get around certain interest rate restrictions that payday lenders must follow. This means you end up paying $30 or more on an overdraft of less than $10. If you have multiple overdrafts the fees can quickly add up, making things even worse.

Also disconnection and late fees -- not to mention the consequences of not having necessary services, like power, water and phone can add more fees to the bills you're already struggling to pay.

Typically, payday loans cost around $15 to $25 per $100 borrowed. Much less than multiple overdraft and reconnection fees.

Handle Your Loan Responsibly

To keep your loan costs at their lowest level, you have to pay the loan off on time. Otherwise, extension fees or having to take another loan can make the loan cost much more. This is where much of the criticism about payday loans comes from. The cost of carrying this type of loan for a longtime can be substantial.

So you need to see the loan as a temporary solution to a financial emergency -- and make a plan for earning a little extra so you can pay back the loan and still meet your other financial obligations.

Choose Wisely

Borrowers used to have to repay payday loans within one pay period, but innovative lenders have added multiple installment options. Typically, these can extend the repayment period from one to two or even three pay cycles. This causes less strain on your finances as you can pay less from each check. Only borrow what you need for your emergency even if it is less than the maximum you can qualify for.

Also, read the loan terms carefully. We have assembled a reliable group of lenders, but terms and loan costs can vary greatly from lender to lender. If you're unclear on any details, don't be afraid to ask questions. If you don't get the answers you're looking for, you can simply move onto another lender. Many times, you'll receive multiple approvals from our lender network, which is one of the advantages of our process.

Competition Offers You the Best Loan Solution

Since our lenders compete for your business, you should get their very best offers and you can compare them side-by-side with other offers and figure out which one is best for you. Review interest rates, any other costs, and the repayment period. Base your decision on all of the factors, not just one. Be realistic about how long you need to pay the loan back.

Get Your Cash as Soon as the Next Business Day

Many times you can get your on the day you apply -- or the next business day. But you need to act fast, the sooner you submit your application, the faster you can get your loan offers, make your decision, and have your money deposited directly to your bank account.

Applying Is Free

And don't worry; it doesn't cost you anything to apply. In fact, you won't pay anything until you accept a loan commitment -- and then the costs are usually added into the loan payment(s). This means you risk absolutely nothing by applying -- if you change your mind before you accept the loan, you owe nothing.

Application Checklist

If you meet the following criteria, you're ready to apply.

  • Do you have a job with a consistent paycheck (at least $1,000 per month)?
  • Do you have an active bank account for the direct deposit of your loan?
  • Are you 18 years old or older?
  • Are you a U.S. citizen?

If you answered yes to all four questions, you're on the way to receiving the cash you need. Simply complete the secure online application now to get started.

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