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321 Loans. Payday loans are small loans you can use when you are temporarily out of money. Often referred to as cash advances or payday advances, whatever the name, these loans are designed to meet temporary, short-term cash flow needs.
Payday lenders usually loan between $100 and $1500, depending upon your income and ability to repay the loan. A good gauge of how much a payday lender will allow you to borrow at any one time is to take your weekly income and divide it by 3. For example if I was earning $600 a week my maximum borrowing capacity would be around $200. This means I could borrow between $100 and $200 as the minimum loan amount is generally set at $100
The first requirement is that you must be 18 years of age or over. Unlike other types of loans, an online payday loan typically does not require a credit check. However you will be required to provide some form of income and or banking verification. Different lenders will require different income verification documents however the loan approval criteria is based on a few other factors that most employed people meet such as employment status, minimum income and an active checking or savings account. As all payday lenders are different you will also need to check what their minimum income requirements are. As a guide, if you live in the USA you will need to earn about $1000 a month to qualify or alternatively if you reside in Australia most lenders require you to have a take home income of about $400 per week.
Lending money through a payday loan provider is fast and easy, especially if you choose to use a faxless or paperless loan application Simply complete the online application form, indicate the amount you wish to borrow and wait for the lending provider to respond. The lender will do a quick check to confirm your banking details and generally get back to you with an approval in minutes. In most cases your instant payday loan will be deposited direct to your bank account within an hour of approval - borrow and wait for the lending provider to respond. The lender will do a quick check to confirm your banking details and generally get back to you with your approval in minutes. In most cases your instant payday loan will be deposited into your account within an hour of approval
Usually a payday loan company charges 15 to 30 USD per $100 borrowed or if you are fortunate enough to live in Australia some payday lenders offer charges of as little as $11 per $100 borrowed. If you have evaluated all of your options and decide an emergency payday loan is right for you, be sure to understand all the costs and terms before you apply. Always check to make sure your lender is offering a fixed flat rate fee so you know exactly what the total cost of the loan is before signing.
In the USA Payday lenders are generally subject to provincial/territorial consumer protection laws, and are obliged to follow "truth in lending" legislation enacted by each province/territory. While legislation may differ between individual states payday loans, are considered extensions of credit for purposes of federal consumer protection law.
Payday loans are popular for a number of reasons. If used wisely, they are an easy, but cost-effective way of getting fast money to solve your immediate emergency cash flow requirements.