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Things To Know Before You Get A Payday Loan Do you anticipate a need for additional cash before you receive your next check? Do you think that payday advances could be something you can use but you're not sure about getting one? Reading this article will give you the answer to this and other questions you might have. When looking for a payday loan, do not settle on the first company you find. Instead, compare as many rates as you can. While some companies will only charge you about 10 or 15 percent, others may charge you 20 or even 25 percent. Do your homework and find the cheapest company. Always educate yourself on the total cost, fees and hidden costs before you sign up. Lots of people are stunned when they discover how much they are charged for a payday loan. Don't hesitate to directly ask the payday loan service representative exactly what they will charge you in interest. Keep in mind that when you take out a payday loan, you are going to have to pay that back quickly. Evaluate your finances to make sure you will have the necessary cash in only a couple of weeks. If your payday comes within a week of taking out the loan, you may have longer. If this is the case, you will probably have to pay it back with the paycheck that comes after that one. Check into every financial option. Compare cash advance loans to personal loans so you can get the best rates. This largely depends on credit rating and how much you want to borrow. Research can save you some money. Never go to get a payday loan empty-handed. There are certain things you need to take with you when applying for a payday loan. This may include your ID, proof of your checking account, and recent pay stubs. Each business has different requirements. The best idea is to call the company before your visit to find out which documents you should bring. Most payday loan companies require that the loan be repaid 2 weeks to a month. You need to understand that the money to pay back the loan will be due to the company on your next pay date, usually two weeks. The only way you'll get more time to pay the loan is if your next paycheck comes within a week of taking out the loan. The pay date will roll over to the next paycheck in this situation. Be aware that payday loan providers often include protections for themselves only in the event of disputes. In the event that bankruptcy is filed, the debt does not go away. Borrowers are also forced to sign agreements preventing lawsuits if disputes arise. You should get cash advance loans from a physical location instead, of relying on Internet websites. This is a good idea, because you will know exactly who it is you are borrowing from. Check the listings in your area to see if there are any lenders close to you before you go, and look online. The anxiety over debt can be overwhelming. Hopefully, you have been provided with the things you had questions for about loans and know how to get one. Escaping financial trouble takes a smart and quick mind, and your choices impact your life a great deal.