Well, as everyone above my said, there are no good ones... and they are right. The rates are very very high. But so is their risk when they give you money.
They usually charge 10% OR MORE for a 2 week loan.... which annually becomes around 300-600% APR.
Payday Advances should be a LAST RESORT. You should sell stuff, or just do without the money.
Life is best debt free. You should start getting your finances in order, put some money in an emergency savings account, and start working towards being debt-free.
But to answer your question, Advance America is ok, well, at least they are better then a loan shark.
2007-09-16 11:26:53
·
answer #1
·
answered by Mike 6
·
0⤊
0⤋
Here is a copy of the Federal Fair Debt Collection Practices Act linked below. If you feel this has been violated (payday lenders are bottom feeders and violate this junk all the time), try calling the Federal Trade Commission. While you're going through this trying to get on track, go to the library and get a copy of Dave Ramsey's, Total Money Makeover, and then listen to his radio show online for free. There might be some good information in there to help while you're getting out of your debt mess. We were in trouble with debt a few years back but got on his program (it didn't cost us anything but the price of his book which you can borrow from the library). We were able to get everything paid off in 17 months (the average is about 2 years, I think) with no additional loans, no bankruptcies, charge-offs, settlements, etc. Guess what? We sleep at night now! Give it a whirl. It can't hurt. Good luck with those scummy loan people. This will get better if you tackle it all head on.
2016-05-21 03:04:32
·
answer #2
·
answered by mariko 3
·
0⤊
0⤋
As others here have said, payday loans can be a debt trap. But if you have absolutely no other way of raising the cash and you are facing a cash emergency, then they can be a lifeline. But you must, must, must pay a payday loan back on time.
Check out this website which has links to some reputable payday loan companies. And don't forget, if you get a loan, pay it back on time!
Good luck!
2007-09-17 11:12:03
·
answer #3
·
answered by Anonymous
·
0⤊
0⤋
PayDay One is a on-line bad credit payday advance company. They claim if you receive a better offer from another licensed lender in your state, they will match the price. They also are a No Fax payday advance company so you don't have the hassle of sending in paperwork. They have a secure online application and they say you can have the cash you need the next day.
2007-09-16 13:31:13
·
answer #4
·
answered by Anonymous
·
0⤊
0⤋
avoid payday loans and try prosper.com
>Beware of Advance fee Loan scams.
LOAN SCAM - Do Not Pay UpFront Fees.
Do not send money UpFront via Western Union or MoneyGram to any person or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will learn a hard lesson & never see any Loan money.
2007-09-16 11:03:06
·
answer #5
·
answered by Anonymous
·
0⤊
0⤋
There are no good payday loans. The interest rate is 300%+.
Figure some other way to get the money. Have a garage sale, pawn something, sell your blood/plasma, collect alum cans, get a second job -- pizza delivery has flexible hours and you get tips.
2007-09-16 11:01:49
·
answer #6
·
answered by bdancer222 7
·
1⤊
0⤋
if you need a fast cash advance loans till payday online it is best to first do some comparison shopping, you can do this by filling out their form so you can see their rates, and then choosing the one with the lowest rate. That way you choose a company with the best rate. Here's some you can start with:
2007-09-16 18:48:01
·
answer #7
·
answered by jean f 1
·
0⤊
1⤋
Good Payday loan place is the same as a
Cold place in hell .
They all charge vampire rate % on the loans .
They are all the kings of hell .
>
2007-09-16 11:01:56
·
answer #8
·
answered by kate 7
·
0⤊
0⤋
About as likely as an *honest* politician!
2007-09-16 11:35:46
·
answer #9
·
answered by Lynn 5
·
0⤊
0⤋
They don't exist.
2007-09-16 11:04:33
·
answer #10
·
answered by justin c 2
·
0⤊
0⤋