Cash Advance and Payday Loans

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	Pay Day Ok has the lowest cost payday cash advance loans rates.Fees are a low 10% and they charge less if you pay it off in less then 2 weeks. First loan limit is $500. No faxing for this payday advance. No credit check
	Payday Loans – Only $10 per $100 Borrowed. Apply Now! no hidden charges or credit check.
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	* * * * * payday loan Approved in minutes. they only charged us $32.50 for our $350 cash advance. less then 10% :) We tryed another Loan fees only $25.00 for $350.00 payday loan shortest term we could get. Less then 8% they are the most fair cash advance loan provider online.

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	Instant Cash Advance Loan
	Fees 10% plus $18 wire fee. Click Here to get a $500 fast cash advance wired to you in one hour! Fast Cash advance deposited in one hour. Required bank statement and paystub. fees may vary.

Try some of the other online cash advances and you'll see we have the best .

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Cash advance warnings from FTC

"I just need enough cash to tide me over until payday."

"GET CASH UNTIL PAYDAY! . . . $100 OR MORE . . . FAST."

Cash advance loan ads are on the radio, television, the Internet, even in the mail. They refer to payday loans - which come at a very high price.

Check cashers, finance companies and others are making small, short-term, high-rate cash advance loans that go by a variety of names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.

Usually, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. The company gives the borrower the amount of the check minus the fee. Fees charged for payday loans are usually a percentage of the face value of the check or a fee charged per amount borrowed - say, for every $50 or $100 loaned. And, if you extend or "roll-over" the loan - say for another two weeks - you will pay the fees for each extension.

Under the Truth in Lending Act, the cost of payday loans - like other types of credit - must be disclosed. Among other information, you must receive, in writing, the finance charge (a dollar amount) and the annual percentage rate or APR (the cost of credit on a yearly basis).

A retail cash advance loan secured by a personal check - such as a payday loan - is very expensive credit. Let's say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or payday lender agrees to hold the check until your next payday. At that time, depending on the particular plan, the lender deposits the check, you redeem the check by paying the $115 in cash, or you roll-over the check by paying a fee to extend the loan for another two weeks. In this example, the cost of the initial loan is a $15 finance charge and 391 percent APR. If you roll-over the loan three times, the finance charge would climb to $60 to borrow $100.

Alternatives to Payday Loans

There are other options. Consider the possibilities before choosing a payday advance:

Online cash advances may be cheaper

• When you need credit, shop carefully. Compare offers. Look for the credit offer with the lowest APR - consider a small loan from your credit union or small loan company, an advance on pay from your employer, or a borrow money from family or friends. A online cash advance on a credit card also may be a possibility, but it may have a higher interest rate than your other sources of funds: find out the terms before you decide. Also, a local community-based organization may make small business loans to individuals.
   

• Compare the APR and the finance charge (which includes fees, interest and other types of credit costs) of credit offers to get the lowest cost. Online cash advance loans often cost less
   

• You can ask your creditors for more time to pay your bills. Find out what they will charge for a late charge, or any changes in the terms of your loan. interest rate.
   

• Make a realistic budget, and figure your monthly and daily expenditures. Avoid unnecessary purchases - even small daily items like starbucks can add up. Also, build some savings - even small deposits can help - to avoid borrowing for emergencies, unexpected expenses or things. For example, by putting the amount of the cash advance fee that you would have to paid on a typical $300 payday advance in a savings account for six months, you would have several hundred dollars available that can help when you have a financial emergencie and you winn not need to pay the high cost of a cash advance loan.
   

• Find out if you have, or can get, overdraft protection on your checking account. If you are regularly using most or all of the funds in your account and if you make a mistake in your checking (or savings) account ledger or records, overdraft protection can help protect you from further credit problems. Check with your bank or credit union to find out the terms of overdraft protection.
   

• If you need help working out a debt repayment plan with creditors or developing a budget, you can contact your local consumer credit counseling service. There are non-profit groups in every state that offer credit guidance to consumers. These services are available at little or no cost. Also, check with your employer, credit union or housing authority for no- or low-cost credit counseling programs before borrow money.
   

• If you decide you must use a paydayloans, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to your next payday and make sure you pay it off on time if you can pay talk to you r credit uniun about a longer term loan.

To Complain/For More Information
If you believe a lender may have violated the Truth in Lending Act, you can file a complaint with the FTC. Online Backgammon

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