Online Payday Loans Equal Costly Cash


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This video attempts to explain why Online Payday Loans Equal Costly Cash.

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  • Online Payday Loans Equal Costly Cash

    1. 2. Payday Loans = Costly Cash <ul><li>Avoid payday loans at all cost. </li></ul><ul><li>Here's a few tips on how to avoid them. </li></ul>
    2. 4. Fast Cash Without a Payday Loan Online <ul><li>Consider a small loan from your credit union </li></ul><ul><li>An advance from your employer </li></ul><ul><li>A loan from family/friends </li></ul><ul><li>Or perhaps a cash advance on your credit card </li></ul><ul><li>Know the terms before you pull the trigger </li></ul>
    3. 6. Alternatives to Payday Advance Loans <ul><li>Always compare the APR and finance charge for your credit options and go with the lowest cost. </li></ul><ul><li>Always ask creditors for an extension on your payment but be sure to find out if there are extra charges for paying late. </li></ul>
    4. 8. Create a Quick Cash Foundation <ul><li>Do your best to track your current income and spending. </li></ul><ul><li>Most of us spend more than we bring in because we buy items we don't need. </li></ul><ul><li>See what you are wasting money on and stop doing it. </li></ul>
    5. 10. Payday Cash Advance Rates Better Than Overdraft Fees? Ha! <ul><li>Always check to see if you have overdraft protection on your checking account. </li></ul><ul><li>Check the rates, as it can help but can be very costly. </li></ul><ul><li>If you are going to utilize the overdraft protection, make sure it’s not to buy something frivolous. </li></ul>
    6. 12. Payday Loans Default Debt Elimination <ul><li>Consider contacting a local consumer credit counseling service if you need help working out a debt repayment plan. </li></ul><ul><li>Many of these credit counseling services are very cheap or cost nothing at all. </li></ul>
    7. 14. Payday Loan Application <ul><li>If you find that you must borrow from a payday lender, please only borrow what you can afford to pay with your next paycheck. </li></ul><ul><li>You will need to make sure you still have enough money to get you and your family through until the next pay day. </li></ul>