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Who Are Payday Loans Made For? by James Oleander





Who Are Payday Loans Made For? by
Article Posted: 01/13/2014
Article Views: 269
Articles Written: 42
Word Count: 533
Article Votes: 0
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Who Are Payday Loans Made For?


 
Finance & Investment
In the world of finance, quite a variety of loans are available. They include car loans, home equity loans, installment loans, personal loans, and payday loans. The type of loan that an individual obtains generally depends on his circumstances in life including his past and current employment status existing assets, and past credit history.

What Are Payday Loans?

Payday loans are short-term loans for a small amount of money with a short repayment term. They are designed for people who need cash quickly, don't have the credit history to get in, and can't afford to wait until payday for the money. In general, payday loans provide small amounts of cash ranging between $500 and $1,500. The interest rates are often high, and the repayment term is quite short. A variety of lenders provide payday loans. Each state has specific requirements in place that must be followed by any lender providing payday loans

Where Does the Name "Payday Loans" Originate from?

With a payday loan, a small sum of money is advanced to the borrower with the promise to repay the amount in full with fees by the next payday. The individual who borrows the money must have employment in order to be able to get this type of loan. Payday loans are the legal option for loans obtained from traditional loan sharks. The customary loan shark is an individual who lends money to someone and charges exorbitant fees to do so.

Why Does Someone Borrow Money through an Expensive Payday Loan?

In most cases, people borrow money through an expensive payday loan- such as those which are offered at www.pay-dayloans.com.au- simply because they can't get the money any other way. Usually, this is because they have a terrible credit rating and a poor credit history. A bad credit history develops over a long period of time during which the individual makes his payments late, doesn't pay the full amount due on a bill, or fails to make the payment at all. He may also have defaulted on previous loans, meaning that he failed to re pay the debt. An individual with bad credit may also have a sporadic employment history with long periods of no employment at all or periods of continually switching from one job to another. The lack of stability most likely affected his ability to keep up with his debt re payments. It is difficult, if not impossible, to obtain a personal loan when you have bad credit.

Who Are Payday Loans Really Made for?

Payday loans are a means to an end. They provide a small amount of cash quickly to pad empty designer wallets and without any fuss to individuals who can't or prefer not to go through the traditional personal bank loan. Quite often, individuals who meet any of the following criteria apply for payday loans

~ Desperately need cash in order to pay for emergency medical or dental treatment. ~ Recently had an addition to the family such as a baby or older relative coming to live with them. ~ Have no credit or bad credit. ~ Have only been employed for 6 months. ~ Need to pay for an unexpected car repair.

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