Payday loan interest rates are capped in all states, but the amounts vary. You can check your state website to determine the laws that apply to you. Another significant benefit is you can get your loan deposited into your account in 1 business day in most cases. So, the funding speed is significantly faster than any other type of loan.
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Instant payday loans are short-term loans, which need to be paid back within 2 to 4 weeks. They do not require any security or collateral. If you can meet the eligibility criteria, your loan request will be processed and approved by the lender.
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No one wants to have closed accounts, like a student loan, appearing on any credit report. These types of listings can have a negative impact on your credit score. If it was in collections at any time, it might stay on your credit report for 7 years.
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Payday loans provide you a flexible repayment period. You can either repay these loans in a lump sum at your next pay date or request your lender to offer you an installment plan to repay your loan amount.
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We tend to skip insurance premiums when the budget becomes tight, but do not do this because if something like a car accident or medical emergency pop up, you will be unable to cover the expenses.
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