How can you get a payday loan if you don't have computer access? The most convenient way to obtain a payday loan is through an online application. Be sure to find an online payday loan application that's secure and safe for you. Data protection is an issue these days, so make sure your online application is over a secure system so your personal information doesn't end up in the wrong hands. Online applications are quick, simple and secure so it's no wonder lots of people prefer this method of applying for a payday loan. However, internet access isn't available to everyone, or some folks prefer doing business in person at a storefront.
For borrowers who don't have access to the internet, there are actual storefront payday loan businesses. You can find them in almost any major city, and even in smaller cities you can see them cropping up across town. The potential borrower approaches the sales rep and applies for the payday loan in person. In this case it's often called a cash advance. The borrower gets a small cash loan, usually from one hundred to five hundred dollars but sometimes more than that. He or she then writes a check in the amount of the loan plus fees and hands it to the teller. The loan is due upon receipt of the borrower's next paycheck, hence the term payday loan. Then when the loan is due, the borrower is supposed to return to the storefront in order to pay back the debt. That's usually in about two weeks. If the borrower doesn't return to pay back the payday loan, then the storefront business will cash the check that was given to them.
Like online payday loans, the loans take out at a storefront payday loan business will have pretty high interest rates, if you annualize the percentage. The intent if this style loan is not to carry a balance but rather to pay off the debt in two weeks so fees and interest do not pile up. Not paying back the loan will possibly put the borrower in a cycle of debt that can quickly mount up to serious financial trouble. For this reason, it's so important that any payday loan borrower be sure to pay back the loan on time. On top of fees and high interest rates, if the payday loan storefront business cashes your check and there are not enough funds in your checking account to cover the balance, insufficient fund (ISF) fees will be charged to the account holder by the bank. We all know that these days bank fees are no joke, having risen and risen every year for quite a while now. One thing you don't want to do is miss the payment on a payday loan. If you absolutely cannot make your loan payment, then talk to the lender and perhaps you can work out a payment plan. In some states, the payday loan lender is required to work out a payment plan with borrowers when they can't make the payment.
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