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Payday Loans and Bad Credit

In many instances, bad credit can keep you from a lot of things in your life. It is a nasty little number that follows you around wherever you go. It can keep you from getting a house, renting an apartment, or even getting internet access at your place of residence. Of course, the major entity that bad credit seems to repel is a loan of any kind. If you want a loan, then you probably shouldn't have bad credit. But, payday loans are generally available to you no matter what kind of shape your credit is in.

It should come as some surprise that that you can get a payday loan despite having bad credit. Even if you make good money and you have a job, most lenders will not dole out cash to those with bad credit. Payday loan lenders, on the other hand, aren't quite as stringent. In fact, you can have any of the following problems and still be considered for a payday loan:

  • Bad credit
  • Bankruptcy
  • Charge offs
  • Bounced checks
  • Other credit-related problems

Don't let your previous financial trouble keep you from seeking out a payday loan. Many people with bad credit might not think a loan of any type will be able to help them. In reality, taking out a loan and paying it back on time can actually improve your credit score somewhat. You just have to make sure that you can pay back the loan in the allotted amount of time.

In most cases, payday loans are small, short-term loans that you should be able to pay back by the time you get your next paycheck. They are used in urgent cases that require immediate financial help. Every lender charges a different fee and certain state laws dictate how much they can charge you for the loan. In most cases, you will have to pay the loan back in two weeks. If you feel like you can do that on time, then you should definitely consider taking out a payday loan.

Of course, if you have bad credit, then there are certain bad habits that you've probably incurred over the years. Sometimes, bad credit is the result of unfortunate circumstances, but, in other cases, it can be the fault of the person. Make sure that when you take out a payday loan, you're not just fueling these bad habits. A payday loan is a onetime, short-term stopgap and it should be treated as such.

How to Pay and Get Paid with Payday Loans

One of the biggest questions that people have about getting payday loans online is, How do I pay and get paid? If you're not doing business with the lender in person, then it can seem confusing as to how you get the funds and then eventually pay them back. The process with these online lenders is actually relatively simple and shouldn't be cause for any concern.

For starters, the requested loan amount is deposited directly into your checking account. Of course, having a checking account is one of the major requirements for getting a payday loan. You also have to provide your bank account number so that the funds can be deposited directly into the account. You don't have to wait for any checks to come in the mail or approvals from your bank. Most payday loans online will appear in your bank account in one business day or less.

To pay back the funds, you really don't have to think about it at all. Many online lenders will automatically withdraw the agreed-upon amount. This means that they will take out the amount of the loan and the fees charged in relation to that loan. You won't have to worry about a thing. In general, you have two weeks to come up with an adequate amount of money to repay the loan. In most cases, you should be able to come up with the desired amount of money on your next paycheck, so you don't have to worry.

If you need an extension, then you can ask for one. Of course, you should always let your lenders know if you need an extension or you don't think you'll be able to pay on time. If they withdraw money, you could be on the hook for overdraft charges from your banking institution. If you let them know beforehand, then your loan repayment will be rolled over for another two weeks and the fee levied will be doubled. For instance, if you took out a $200 loan and the initial fee the lender charged was $30, then the two-week extension will force you to pay an added $30. The total repayment in this case would be $260 instead of $230.

But, again, in most cases you won't have to worry about coming up short. Most payday loans online are based on your current income and you should be able to pay the loan back in plenty of time.