Can I get an Online Payday Loan if I have Bad Credit?

The answer is yes, you can! Every year millions of people get bad credit payday loans. In fact, bad credit payday loans make up over half of all payday loans. Bad credit payday loans are the only real option for getting a loan for those with poor or bad credit. Unlike traditional loans, payday loans do not rely on your hard credit scores (those with the big 3 credit bureaus). 

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7 Reasons You Might Use Payday Loans

Missing a payment could result in large penalties or a repossession such as your car or major appliance. In this case the fees you pay on your payday loan may be well less than the cost of missing the payment. This is especially true with utility bills and checks that may bounce if not covered at your bank. NSF fees are $35 a check and utility companies are infamous for excessive penalties, new deposits and fees, restart fees, etc. that can add up to hundreds of dollars.  

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6 Ways to Motivate Yourself and Get Out of Debt

Start by Setting Goals. People who set goals are remarkably more successful at anything than those that do not. They help assure success. Specific, measurable, and repeatable goals can help you accomplish a lot, fast. You can start by committing to pay off your lowest credit card debt in a certain time frame e.g., 6 months. Keep the card as closing the account will hurt your credit if you get the balance to zero. Just put it away, out of sight and not something you will use in the future.

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Reasons That Drive People to Request Payday Loans

All in all, the data shows that most Americans have more or less similar preferences for payday loans regardless of where they live, their ages, and their incomes. The only real variations were the underlying reasons that encouraged them to request a payday loan. However, almost all grounds were legitimate and not frivolous.

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