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Pay off your payday loan as soon as possible to prevent further fees.




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       What Are Fast Cash Payday Loans?

Payday loans are small short-term, unsecured loans. Usually $500 or less. Borrowers promise to repay the loan out of their next paycheck or regular income payment. 
Because the concept of the payday loan is to supply the borrower with fast cash for a very short period of time or until they receive there next paycheck the APR are typically very high. 

How Do Payday Loans Work?

The borrower writes the lender a check for the amount of the loan plus the lending fee. The lender gives the borrower the requested loan and the borrower agrees to payback the loan there next payday. 
On payday, the borrower has the choice to pay the loan amount plus the finance charge, or in some cases, extend the loan by paying only the finance charge and writing a new check.


Finding The Best Payday Loan


  • Compare the APR and the finance charge (which includes loan fees, interest and other types of credit costs) of credit offers to get the lowest cost. Our researchers have found Cash Station (above) to have the best payday loan rates.

  • If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.

A Payday Loan = high interest
Payday loans have high APRs and although the loans are only short term, PaylessBills!com recommends that payday loans should only be used as a last resort for those with little or poor credit.

Some internet payday loans require you to fax your bank or employment details, whilst others may require no faxing.
If you do choose to obtain your payday loan via the internet you will most likely have to fax your bank details after completing an online application to your payday lender unless the site informs you that they offer "No faxing" payday loans.

       Payday Loan Research Archive
Cash Advances - Being Prudent
The convenience of obtaining cash fast can be handy and help you overcome short term negative financial situations. However... Cash Advances - Being Prudent

Payday Loans Protection  careful

Today Consumers are protected by the AB 431 Bill, previously payday lending businesses didn't disclose their 500 to 2,000 annual percentage charges.
It wasn't until 1999, that a bill named "AB 431" was passed by the legislature which ordered payday loan businesses to disclose their annual percentage rates... Payday Loan Protection

Cash Advance

That qualification requirement is probably why cash advances have become so popular. To get the short-term payday loan, you need a payroll check stub from a job -- in other words, an income that isn't financial aid such as unemployment or disability. People in need of money who don't have jobs wont qualify. There are always people who need the service and those who don't want to wait until payday. But it's not for everybody...
Cash Advance?

Are Fast Cash Payday Loans A Good Idea?

Critics of the burgeoning payday-loan industry say consumers are paying too high a price for convenience: not just triple-digit interest rates, but also an endless cycle of debt. Some state lawmakers agree, and the industry is now the target of two reform proposals... Fast Cash?

Payday Loan State Resources:
Illinois - Oregon - Utah The housing market - Bubble Loans

Other Loan Resources:


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