Amber W asked:
We are in need of some money until payday and I was wondering what payday loan website is good. I know some say payday loans are bad but they are only bad if you dont pay it back the next paycheck and my husband gets a bonus next week so we will be paying it back next week. Anyone have an idea of a good site?
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I’d ask family or friends before I’d pay the outrageous fees those places want.
Have you considered evaluating the junk in the garage or your closets that you could put up on Craigslist.org and sell to raise cash you won’t have to pay interest on?
Stay away from the vultures.
Just to let you know, the payday loans are so terrible because they have interest that is so high that you end up repaying a lot more than you borrowed. The cost of borrowing from these places can be as high as the equivalent of 75% interest.
Even if your husband is getting a bonus, and you pay the loan off you still may be starting off the week with less money because of what you have to pay in fees. What if another emergency arises? You’ll end up going back to the company again – this is how the cycle of dependency starts.
If you need money fast, try getting an interest free loan from family or friends, a short-term loan from a bank (you can apply and be approved for a line of credit within minutes) or going to a pawn shop. Please don’t take a chance on these pay-day loan organizations. They are a total rip off, and they should be illegal.
There may be something of use here.
Research the options on this website.
Good luck!
I would much rather get a payday loan then beg for money from anyone in my family. I feel so much more responsible when I can get a loan from a lender and pay it back on my own. If you can manage your finances ok, then you should be fine. Plus alot of lenders do not even check your credit.
I disagree, I have used payday loans many times and they we’re perfect for what I needed.