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Now and then, people find themselves in a financial situation for which they needmoney urgently.However, they might not haveany money in such situations. Payday is still far away, and they can’t wait till then to fix this issue. There should be somewhere they can run for help beforetheir paycheck comes in. That is the major reason behind the creation of payday loans. It is to make money available to you until when you receive your next paycheck.

What are payday loans?

A payday loan is a short-term unsecured loan that charges high interest. That’s probably due to its available for a short period or the amount risk involved. Non-bank companies offer payday loans.They provide you with emergency funds enough to hold you till when you receive your next paycheck by the time which both your loan and interest expires.

People who are having a hard time to make ends meet every month usually take a payday loan. In fact, these are the groups of people that payday merchants heavily target their marketing to, and it can become quiteeasy to depend on payday loans more often.

Some lenderseven use payday loans as a means of extortion, which is why some countries have made laws limiting the Annual Percentage Rate that payday lenders can charge.

How does an online payday loan work?

Payday loans work differently from other kinds of cash loans online. You can either apply for a Payday loan at a physical location, or you can process your application online.

The process ofapplying for Payday loans online is super easy and quick. Details such as your banking, identification, personal, and other details will be required for the application process.When your loan is approved, it will be funded to you in a few minutes or within 24 hours depending on the payday merchant you applied to.

Concerning the amount you can borrow and the interest that will be charged on your payday loans online, different countries have varying laws about it. Some countries or states are not strict about their laws concerning payday loans.On the other side, other countries don't even allow payday lending at all.

When your loan has been approved, you can either receive it in cash or as a check.Also, the borrower can deposit it straight into your bank account. Typically, it takes 14 days for your payday advance online to become due.However, it can be extended towhen you are going to receive your next paycheck. So you will have to pay back in the next 14 days or onyour payday.

The interest rates that come with your payday loans is dependent on the amount you are borrowing, and theinterest rates are usually pretty high. The annual percentage rates on payday loans could be as high as 400% or even more.

Payday advance loans

Some payday lenders are quite strict about their requirements while offering you a Payday loan, but most are not. Payday lenders know that the people who take payday loans most are those struggling to make ends meet.Most of them are good with no credit check, or they won’t want to know if you are capable of paying back. So, if you have your identification details, a steady income, and a working bank account, you are good to go.

Why do people use payday loans online?

You might think people take payday loans to settle a one-time money issue, but that isn't always the case. People constantly find themselves in situations where a Payday loan seems like the best option. Sometimes, they just want to get this satisfaction of having a lot of money in their bank accounts. Here are some of the major reasons why people use payday loans:

1. They have been made redundant at work

Going from being employed a week ago to being unemployed can be a stressful situation psychologically and financially. So when someone is unemployed, payday loans are very good options for them. For a while, they will be able to go on like they haven't lost their jobs, but that won't last long, and a payday loan is an instant way to get needed cash fast.

2. To pay up previous debts

This is how a Payday loan cycle starts. People applying for a new online loans to pay up their previous loans. The previous debts might not even be from online payday loans, it could be loans from other sources, but people turn to payday loans to stop their previous debts.

3. To pay bills

Light bills, water bills, rent, and so on, all these bills can amount a lot of money. The fastest way out for some is to take a Payday loan.

4. To avoid embarrassment

Some people find it embarrassing to ask friends or family members for money. So they would rather take a Payday loan to cover the expenses.

5. For holidays

Easter, Christmas, New Year, Thanksgiving, etc. are periods when people spend a lot. It seems an attractive option because they can get a loan online and repay when the holiday is over.

Are online payday loans bad for you?

Although online payday loans are supposed to be there to assist you during cash emergencies, they could be bad for you.

The first and foremost problem with payday loans is in thecharges. For example, let us say you need $500.The direct lenders say your interest will be $75. If the interest on your loan is $75 for a year, that means you are paying 15% interest rate. That sounds reasonable, doesn’t it? But don’t forget that payday loans typically become due in two weeks, that is 14 days. That meansthe $75 interest you are charged is just for two weeks.So if you want to annualize it, it means you are going to payabout 300% interest rate.This doesn't even come close to the typical 400%, 500%, or even more than payday lenders charge.

What makes the whole thing worse is that the people who are charged the interest rate can hardly pay back sometimes. Look at it this way; you need $500. You need it urgently because you don't have one. So how are you so sure that in the next two weeks, you are going to get $575 to pay back the loan?But whether you are going get it or not, you are paying back the loan in two weeks. So you see, it could get worse.

Another big problem with taking payday advance is you could get stuck in a cycle. A pretty ugly cycle that could just keep going on and on.Once you take a Payday loan, the need is going to arise to take anotherand so on.

Why there is every chance of falling into this cycle is this?An emergency need came up, and you urgently needed money to take care of it. That was why you took a payday loan in the first place. You needed a Payday advance probably because your regular income wasn't enough to take care of it.However, don’t forget that you still have a day to day expenses to sort out. So it's possible that you are going to spend your regular income on your day to day expenses.Still you need to repay your loan and now it looks like you are going to need another loan. That is how the cycle starts.

Avoiding payday loan onlinealtogether

There are two major reasons why people fall victim tothe payday loan cycle.They have bad credit, and they are terrible at saving. You can solve these problems to avoid getting trapped in the payday loan cycle.However, it isn't as easy as it sounds. Solving one of these problems is a challenge on its own. Let's not talk of two, but this payday loan cycle is one in which you don't want to be stuck in forever, so every effort you make to avoid it is worth it.

Payday loans bad credit

It isn’t hard to figure out what you need to do to solve bad credit problem. It means you need to pay your debts on time from now and on. It also means you will have to avoid new debts since it will be difficult to pay back.

Online payday loans for bad credit

There is something called a credit builder loan. Credit builder loans are offered by some banks, credit unions, online lenders, and even some non-profit organizations. With credit builder loans, you can create credit from nothing for people with no credit, and you can create good credit even if your financial history is full ofneglected payments for people with bad credit.

With a credit builder loan, money is not made available to you. That means it is to improve your credit score. Also, it can help you build a strong history of prompt payments.Your good payment history will be reported to the credit bureaus by the bank.

Put simply, what a credit builder loan does for you is to help you get rid of bad credit history. So it is faster to overcome bad credit and build a good credit score by applying for a credit builder loan than just paying your debts on time.

Payday advance online – How to get safe online payday loans?

When looking for payday loans, always consider lenders which are reputable. You should be able to identify between scam and legitimate lenders. You can check the websites for their license and always verify them.

However, note that lenders from one state might not be able to provide loans for those living in other states.

Learning to save with pay day loan

A very certain way to avoid having to apply for payday loans is to be able to fund yourself, and what other ways can you be self-financing other than having money in your bank account? When you have money in your bank account, it means you can turn to your savings rather than run to high charging payday lenders when you are faced with an emergency.

If saving has never really been a forte for you in the past, it could pose a bit of a problem for you to start now because it is going to require sacrifices, commitments, and a lot of self-controlwhen handling every dime. Don’t be discouraged, though,every sacrifice you make would be worththe effort.

Now the question is, how do you start saving? A good guess is your current income is already budgeted for a couple of things, sothat means you may have to increase your income.

You can increase your income in different ways. You can get a second job. If your current job doesn’t allow you time for a second job, you can take up side hustles. These jobs will keep it up for long enough to free you from a tight budget lifestyle. You probably have a lot of items in your house you do not need.You can fast-track your saving process by selling off those items on an online sales platform.

You are going to face various emergencies that will probably use up your savings. So you have to learn to keep filling up your savings account to be prepared for future emergencies. By then, you should be certain that a saving culture is already part of your lifestyle.


At some point in life, you are going to find yourself in a tight spot financially, and applying for a payday loan online is goingto appear the best thing to do. It has its upside, it can help you with the needed cash as fast as possible. However, you don't want to get in the downside of it, which is why payday loans may not be a good option all the time. To avoid getting stuck in the payday loan circle, it is best to avoid taking payday loans.

Don't waste your time! Get a Loan Online
Don't waste your time! Get a Loan Online