Safe Online Payday Loans

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Safe Online Payday Loans

Author: 
Harriet Thompson
Safe Online Payday Loans

Legit online payday loans and cash advances

Fast cash and no credit checks make it easy for a consumer to get a payday loan. This type of loan is targeted to people in need and counted as a consumer-friendly way to solve any financial issues. But in fact, only a few borrowers can pay off their loan at the estimated date. People applying to legit payday loans are usually unsuspecting. They have a lot of things to worry about such as unpaid debts or emergency bills, bad credit history, or a couple of rolled-over loans. 

Most trusted payday loans online

It is important not to trust lenders that offer fast and safe loans under conditions that seem too good to be true. Legitimate payday loans online with bad credit no credit check sound too attractive and catchy to be true. Check if the company has a license in your state. Otherwise, you may have some trouble with scammers, who tend to target people in need. The situation might be even worse if you go to more than one shop, as you risk paying only the fee for no money. 

Payday loan definition

There is no set definition of a payday loan. Payday loans or cash advances provide a needed amount of cash to consumers for emergency needs and have to be paid within two weeks. As a rule, experts' advice is not to borrow again within a year. If you just like a great part of borrowers are in more debt than you can handle, think twice before applying for a loan, even if a lender claims that it is safe and legit.

Secure payday loans

There a still several rules to follow if you want to be sure that your personal data will be protected and you will not be scammed.

  1. First of all, make sure the lender has a physical address. The majority of scammers provide only a website. 
  2. Secondly, check, if the lender is registered in your state.
  3. Third, but not less important, is to make sure, that all fees are transparent with no hidden costs and charges, although you will not be surprised in a bad way just after sighing the documents.

You cannot be given instructions on how to find a legit payday loan with guaranteed approval, but pay attention to how the lender´s customer support works. The lender cannot pressure you to act immediately and it is a bad sign if the approval is guaranteed, without any of the borrower's personal information. As a rule, the lender needs some personal data to make sure you are not going to disappear with a loan not paid off.

How can I find the best legit payday lenders?

Do not fell into despair. There are still plenty of companies ready to provide legitimate loans with a phone number, email address, and physical address available on the website, even if there are online-only lenders. With some investigation, it is possible to find a lot of online reviews from real customers, who are already have had an experience of working with a lender. Moreover, legitimate lenders are registered with state agencies.

Nearby payday loans 

Despite the fact the online payday industry is highly regulated, for some dubious borrowers, it is highly recommended to apply in store. Use a store finder to find the nearest lender store and make sure you have all documents. The service usually operates 24/7, so that the money can be transferred within one working day after approval. Be aware that due to the public holidays the term may slightly increase.

Safe and secure payday loan online

Have already enough information about the lender and do not want to waste your time and waiting in a store with other borrowers? In case you are completely sure and trust the lender, it is a simple way to apply online. In most cases, it makes no sense to drive to a store, as the entire process can be easily made in front of your computer or using a phone. If your request will be accepted you can receive the requested amount of money the same day. 

Are payday loans safe?

As a matter of fact, a payday loan can make sense, if you are in an immediate and temporary financial crisis without any other possible source of funds. Double-check that your income is such that you can cover a postdated check without obtaining a new loan. The customers are often encouraged by lenders to make another loan as early as the next day and some experienced borrowers have an opinion that getting a payday loan usually causes more financial problems for a consumer, not fewer.

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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Here's a quick example:

You borrow $1,000 with an APR of 3% over 3 years (assuming an annual APR calculation).
Year 1 interest: 1,000 x 0.03 = 30 and 30 + 1,000 = 1,030
Year 2 interest: 1,030 x 0.03 = 30.9 and 30.9 + 1,030 = 1061
Year 3 interest: 1,061 x 0.03 = 31.83 and 31.83 + 1,061 = 1,092.83 In total, you'll pay back $1,092.83 at the end of the finance period.

For peace of mind, and to ensure you know what you're going to pay, ask your lender exactly what fees are included in the APR figure they offer you.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

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