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Cash Advance Payday Loan – Getting Quick Cash with Bad Credit Subprime Blogger

09.12.09

When you apply for a bad credit cash advance payday loan you will often find that there is no credit check and it does not take long to be approved. Within the hour you are likely to find that these companies will loan you up to $1500 in cash. At this point you will have to write a post dated check for the amount of money you borrow plus fees. The date on the check will be written for the day you are expected to receive your next paycheck.

The fees for the money you borrow are usually between $15 and $35 per $100 borrowed. Most of the time states regulate these fees at the state level. There some states that do not regulate these fees and one of these states is Nevada. Do not be surprised to find fees between $40 and $50 per $100 borrowed and the state of Nevada. That credit lenders know that many borrowers are very desperate in the state of Nevada.

If you have the intention of getting a bad credit cash advance payday loan that it might be a good idea to sit down and think about your other options. Some other options include personal loans and unemployment loans. The interest rate on these loans is likely to be very high but it could end up being less than the amount of money you pay in fees for a bad credit cash advance loan.

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payday advance?

Aug 21, 2006 by cmt1162 | Posted in Personal Finance

has anyone tried to get a payday advance usuing a bank acocunt that is a credit card bank account, if so who and do you have the name and email, I need a cash advance but I only have a credit card bank account..

please help

thanks

.

.. go to Western Union.

.. all you need is ID and a recent pay stubb.

.

Agent C | Aug 21, 2006

no don't do that

Mrs F | Aug 21, 2006

you can go to any atm machine and put in your card but you get charged money to do it

trp_3_2003 | Aug 21, 2006

NO!!!!!!! Dont do it

Re Fined | Aug 21, 2006

Those are SCAMS!!!! Don't do it! Starve first, before getting into the clutches of one of those outfits.

They may be licenced businesses, but their practices push at the edge of legality.

The service fees are usurious. Payday loans are a trap, and once you get into their clutches its difficult to get out.

Wait until your REAL payday.

IndieFilmActor | Aug 21, 2006

Try asking friends or relatives for a loan to tide you over. Even if its a bit embarassing they probably won't charge you rediculous interest rates.

Adam J | Aug 21, 2006

What hapeens when a payday advance loan goes unpaid ?

Aug 30, 2007 by chasead95 | Posted in Credit

My sister-in-law has about 4 payday advance loans that she's not paying. I've told her that she could go to jail for this. SHe says no she cant because its a loan,not a bad check. Does anyone know?

Normally when taking out a payday loan you have to write post-dated checks which they then will cash once the agreed upon day arrives. If there isn't money to cover the checks when they attempt to cash them, then they will file hot check charges against her and she can go to jail especially if she knew the money wasn't going to be available since that's theft by deception.

random_synchronicity | Aug 30, 2007

She wont got to jail, but it will get sent to collections. They can sue her and get a judgment....her wages and/or bank account can be garnished.

Fun N Sun | Aug 30, 2007

Well, technically it IS a bad check. When the payday loan places try to cash her check and find that it has insufficient funds, the normal course of action will take place. They will most likely try to contact her, tack on insufficient funds charges (as will her bank too!).
It's sometimes hard to prove, but if the law can show that she wrote the checks and knew that the funds were not there, yes, she could go to jail. I think it's considered fraud.

Go, I | Aug 30, 2007

How did she get 4 payday loans without paying the prior ones? She went to 4 different places? She can go to jail since when the loan place deposits her post-dated check, it will bounce, and since paydayloans are usually several hundred dollars, and she has 4 of them, she will go to jail. It will turn into a quite lengthy, expensive battle in which the payday advance business will win. Your SIL will have to pay not only the money she owes them but any legal fees incurred. Not to mention bank fees for NSF, and the payday place's returned check fees. She may as well just suck it up and pay what she owes or it's going to cost her more in the long run than what she initially owes. If she owns a home, they can place a judgment against it that will need to be paid before she can sell or refinance it. They can also garnish her wages. She needs to just pay up before she gets into serious legal trouble.

dolphyns2000 | Aug 30, 2007

I do not think she will go to jail. The company can sue her. They can put a claim on her if she ever works or get s TAXES they can intercept her money. They can report her to the credit agencies that would limit her ability to get any kind of loan, and damage her credit. But no , She cannot go to jail. Unless she used someone elses name or a fake account, just not paying is not grounds for incarceration.

c_leoo | Aug 30, 2007

can you say fraud? yes if she knowing wrote checks with insufficient funds, she can be arrested for fraud.

jerry d | Aug 30, 2007

well, if they do not have a State Id Number or an Employment Verification Number, they are not exactly a legitimate business, my boyfriend stopped paying on his two years
ago and he told them that the calls are being recorded,
what is your State or EIN #, your bank information, and please DO take me to court. None of them called him
back

Ask M | Aug 30, 2007

How do I stop phone calls from payday advance loan companies?

Jan 29, 2009 by Dee | Posted in Other - Business & Finance

My husband and I started checking into those payday advance loans and after filing out ONE application to see what we could get and how much it would cost we decided it was a bad idea. Now they continue to call us to "finish" the loan application. How do we make them stop calling?

change your ### easy and simple

jy-aboul | Jan 29, 2009

How can we escape this payday advance ferris wheel?

Dec 05, 2007 by Cesaria Barbarossa | Posted in Personal Finance

Got into an unexpected financial bind and had to resort to a payday advance. Now it's like we can't escape it! Please give some advice on how to pay these people back and not have to reborrow again to cover current expenses. We make $85,000 between the both of us. This shouldn't be happening!

Help!

While it may seem simplistic, this is the correct financial advice: When you find yourself in a hole, the first order of business is to STOP DIGGING!

The only way out is to strictly budget your money until you have expenditures to the bare minimum. (that includes expensive coffees or eating out). If you have to eat baloney sandwiches for dinner for a while then that is what you do.

If there still isn't enough to cover expenses then a second part time job is in order. Around this time of year many retailers are seeking temporary help. This has the added bonus of not only increasing your income but preventing you from spending more.

Good luck! you are not alone.

.

Jacob W | Dec 05, 2007

you need to "catch up" to whre you were when you fell behind in order to break the cycle. On 85 K a year , you are right this shouldnt be happening. it sounds like you might be living well beyond your means. why dont you get Dave Ramseys financial peace unvieristy, no offense but it sounds like you need it.

ps im not trying to sound snotty u can see im in a financial bind myself ( my bankrtupcy question) but im learning i barrowed my sisters dave rmsey cds and wont make the same mistakes again. im really tryint to be helpful not judgmental

lara c | Dec 05, 2007

Live below your means.

Aryeh | Dec 05, 2007

i want you to call credit counseling in your area and see what they say i had to lessen the amount by 50.00 everytime i borrowed and it took some time but it worked and you have to cut corners and eventually it this does work been there and done that

witchy woman in Ohio | Dec 05, 2007

Reduce your bills as much as possible. Even to a painful degree. What are you paying for that you can live without? Most everyone have stuff that falls into this category. Cable, internet, cell phone, phone extras, club memberships, eating out, entertainment extras, and the list goes on and on. Figure out everything that you spent money on last month. Ask yourself, is there some way that I can eliminate this or reduce it. If so then do it. Every dime that you can squeeze together you put towards paying off the payday loan debt. You may have to really cut back to do this. You may have a month or two that are kind of boring. However, get thru it and pay off the debt and then you can start to bring the extras back into your life. You have to get this payday loan squashed as soon as possible or else it will grow big and nasty.

One note, when cancelling services, make sure that you are not locked in a service contract that has a penalty for early cancelation. In those events, contact the company and see if you can suspend the service for a period of time. Sometimes, they are willing to do that.

A.Mercer | Dec 05, 2007

you need to reduce your expenses, i know 85,000 annually is not a lot of money but you should be able to live comfortably.

scott A | Dec 05, 2007

I hate those places!!!! I got into the never ending cycle many years ago and while I wont tell you to do what I did (said screw em basically) this is my advice. Next week when you have to pay it back, just pay it. Thats it. Boom! DO NOT RENEW THE LOAN!! Go with out for a week. Trust me it will be a mother but it will work.

Bad Answer Queen | Dec 05, 2007

You will have to cut your current expenses to a minimum and use your income to pay them back. Consider selling some items, getting a part-time job, borrowing from family to get out of this hole.

Before buying anything ask yourselves - is this absolutely necessary right now? If not, don't buy it. Don't buy expensive presents for Christmas.

Buy less expensive food - cook from scratch rather than buying pre-prepared stuff. (It's better for you anyhow). Don't buy booze or luxuries. Cut down on driving. Don't go out.
Just the bare essentials until it is paid off and never use this payday advance again. I know that this sounds like no fun at all, but you were living beyond your means and now must face the consequences.

If this doesn't work for you there may be some agencies in your area that help people get out of debt - there are in Toronto. Check them out.

pstottmfc | Dec 05, 2007

You need to cut your spending waaaaaayyyy back that is key
Follow these steps

1) write a budget
2) follow the budget
3) cut out stuff you don't need from the budget.

Write down the amount the two of you make together in a month, label it income.
Write down essential bills in one column call it needs
The NEEDS column will include only the following
Mortgage, utilities, insurance, food, gas make sure you
have savings listed as a bill here, start with $5 if you can't afford anymore.

Write down stuff that is able to be paid off in another column
The FINITE BILLS column will include the following
auto loans, payday loans, student loans, anything else that can be paid off.

Write down stuff that can't be paid off that are not necessarily needs as INFINITE BILLS this column will include the following
Cell phone bills, cable bills, high speed internet bills etc.

list the minimum payments by all of your bills and sort all of the bill columns from lowest amount to highest.

add all of the minimum payments together and subtract from your income. You will now see how much money you can play with each month. Take half of that money and put it towards the lowest dollar amount in the FINITE BILLS column. Look at the infinite bills column is there stuff there that you could live without (at least until your bills are paid off?) do you need a home phone and cell phone? do you need that extra cable package? do you need to be eating out so much? can you reduce the amount of trips you take in a week?

Your goals for now are the following
1) Make savings goals and stick with them
2) Pay off FINITE BILLS as quickly as possible
3) Look for ways to reduce NEEDS
4) Look for ways to reduce or remove INFINITE BILLS

Greg S | Dec 05, 2007

Wait for one of them looong months where u get one extra paycheck, or when you get your taxes back.

HotSteel | Dec 05, 2007

Which company should I use for a payday advance with the lowest fees?

Jul 06, 2008 by K Sincere | Posted in Personal Finance

I need to get a payday advance in the approx amount of $300 to $400. Which online company should I use for the payday advance that has the lowest fees/rates? I know it's not a good idea but it's the only option I have.

Its worse than "not a good idea". It could ruin your finances for a very long time. Please do not take out a payday advance. I have not heard of anyone who ever took out a payday advance saying that they were happy with their decision. There are always more options. Have you tried talking to your creditors? A payday advance should be the last alternative, and should be used to make sure you don't go to jail. Otherwise, it is a bad decision.

Brien Private Finance | Jul 06, 2008

Sorry to hear you have a cash flow problem.

If you lived in England my advice would be to ignore these sharp practice merchants with their very high interest rates but to go to a Pawn Broker and pledge say a television set ' jewelry etc say till the end of the month for say £350.

Then at the end of the month your goods are retrieved from the Pawn Broker for £350 plus a fixed fee of 10% ie an extra £35 giving £385 in total.

This method will always cost less than going down the Pay Day Advance Clowns route.

Hope your fortunes improve.

Good luck Roger

Roger | Jul 06, 2008

There are times when a payday loan can be less expensive then getting utilities reconnected, or bouncing checks. The important thing to remember is that a payday advance is a short term loan. You really need allocate your money carefully so you can repay the advance when it is due. You can look at my blog for more information www.budgetblogger.com, or try this payday loan website www.USApaydaylenders.com.

Budget Blogger | Jul 06, 2008

What happens if I dont pay back a Payday Advance Loan?

Jul 18, 2007 by armysoldierone | Posted in Personal Finance

I wrote the check to the payday advance but now Im broke and wont be able to pay it.

I know that it will go to collections. But what happens after that. Will they actually take me to court for $500? Their attorney cost more than that. Will it ever actually become a criminal charge?

i never paid them back all they will do is harrass you but changing your phone number will take care of that you,ll also have to do something about your bank account because they will keep running your check getting you those bounced check fees i changed banks, but as far as you getting in trouble with the law they don,t want to go there because their interests rates aren,t legal

no name | Jul 18, 2007

Collection tactics for payday loans can be very aggressive. A default on a payday loan involves a worthless check, and some state credit laws allow for triple damages when a bad check is used in a retail transaction. Lenders may also require customers to sign an “Assignment of Salary and Wages” authorizing them to go directly to the borrower’s employer to ask for the amount owed to be deducted from the borrower’s paycheck and paid to the lender.

Lori K | Jul 18, 2007

i heard if you dont pay them they will break your knees.

juileeee | Jul 18, 2007

There's probably gonna be some scar tissue!

old man | Jul 18, 2007

Have you tried calling them or visiting them? Sometimes they will give a extension if you have a good reason. I don't think you should try "not" paying it. They will just cash your check. Some banks, like mine, might even just pay it and then place your account in the neg. Then they get to add fees for everything so you can never pay that amount off. Good Luck!

tiggermom45324 | Jul 18, 2007

To begin, usually they make you fill out some type of credit application that contains your employment information. If you still are employed, or if they can find out where you are employed, they will more than likely take you to court. Which you will have to pay for their court costs. After they get a judgment in court, they can fill out some paperwork and attach your wages. And trust me your employer will garnish your wages or they are legally responsible to pay the judgment amount!

Note: Call the company and make arrangements to pay, it will cost you less money and will not hinder your credit as bad as a judgment or a collection!

Amy | Jul 18, 2007

no name---had the right answer...nothing, I have about 20 of them that were never paid, not by choice but I'm still experiencing hardship and it's been like 3,4 ,5 years. I hear that those places are boarderline illegal because you are not supposed to give anyone a post dated check, so on there part it was never acceptable, and I also hear that their interest rate is past legal limits for them to file lawsuit against you. I wouldn't worry and pay what you can.

KC Girl | Jul 18, 2007

Pay what you owe, then you won't have to worry!

Also, don't borrow from those places under any circumstances. They are a complete ripoff and will only make your problems worse!

Steve C | Jul 18, 2007

What happens if I do not pay back a Payday Advance Loan?

May 27, 2008 by Makayla E | Posted in Credit

I wrote the check to the payday advance but now Im broke and wont be able to pay it.

Isabelle E | May 27, 2008

They can sue you and garnish wages, tax returns,......oh yeah and your credit will be shot to hell! Good luck!

Ryan M | May 27, 2008

Get the money from a friend and never do that again.

Some pay day lenders have been known to cash the check, and then threaten to send you to jail for writing a bad check if it bounces.

John Bradley | May 27, 2008

Pretty much the same thing that would happen if you don't pay your credit card bills. They can threaten to file criminal charges against you, but that is hardly ever possible. The reason for this is that most states take the stance that if a post dated check bounces it is due to other circumstances and not fraud.

crazyjester9 | May 27, 2008

I don't want to sound mean, but here is the way it is: Not only can you not pay back a loan they took your word on, you tried to stiff them with a bad check. They aren't your mom. Get the money from someone, pay them off, and don't borrow that way again. They will have collection come after you and put this on your credit report. Plus, your bank will try to collect the insufficient funds fees from you as will the payday advance place. Not a good scene.

Yellow fruit of the loom guy? | May 27, 2008

First off, you took out a payday loan...meaning exactly that, you owe it on your payday...Not paying it, the payday loan company will either cash your to get your money before you do, or sue you in court, get a judgement against you which will reflect on your credit report, and will be taken out of your paycheck making you pay them back anyways. Borrow the money and pay it back!

S P | May 27, 2008

Can I get a payday advance with only a savings account?

Jan 09, 2009 by subtlebeauty | Posted in Personal Finance

I have a fulltime job and i go to school full time, but since i bought my books i won't have enough money to pay for my rent, and I heard that I could get a payday advance to my next payday, but I only have a savings account, will i still be able to get one?

Are there any kind of Payday Advance that pays with MoneyGram or Western Union instead of a bank account?

Jan 24, 2008 by darrellbuckman | Posted in Personal Finance

I am needing a payday advance loan that I can apply for on-line, but I don't have a bank account. Are there any services like that, that will loan me via Money Gram, or Western Union? I need the money by tomorrow evening, but I can't go all the way to the actual location, the closest thing is a walmart or publix money services. Please help me!

How do you know which one of the payday advance company are trustworthy?

Jul 19, 2007 by Teresa B | Posted in Personal Finance

SENDER reply to me that the missing funds is availble by name for Teresa Brajdich. I was trying to sign on line to get payday advance and their for I gave my personnel information to them. the
next morning I had open my email. this company inform me that money is ready and approved by them.

oh dear. u just had to get yourself into this trouble. if cc are snakes that will bite if you play with them then this is the biggest snake that will swallow you whole and alive. stay away from payday lenders. the interest rate is killer and you don't have to go to them for money. why don't you save your check and do whatever it is that you need to do cash paid? just wait save enough $$ and go pay for it.

get the book Total money make over by dave ramsey. it will teach you alot about personal financing and what i am telling you.

toocool4skool | Jul 19, 2007

Online Payday Loans And Poor Credit

A poor history of credit can often be a sensitive issue for individuals who intend to lend a small amount of money for making their cash flow smoother because most companies would not wish to lend to an individual that has a high probability for not paying back. Traditional lending institutions normally do an extensive background and credit check on the borrower and if they find your credit rating fishy, you would certainly not be able to get a loan from them.

Don?t worry if you are troubled about it because cash advance companies WILL get you the money.

Online payday advances are normally approved within a day or so and can be wired to your bank account quickly. Perhaps suprisingly, companies who provide online payday loans dont do any background or credit checks and the most important thing that they look for is usually how steady and regular your pay check is.

When you apply for a payday loan, you have to provide a post dated check to the institution that has been cashed on the due date which does not go on for more than one and a half or two weeks. You need to be careful though, if you do not pay the loan back in the required time, you will have to face the penalty such as huge fines or multiplication of the interest rate by at least a few times.

Payday loans can sometimes benefit both the lender and the borrower because the borrower can get a small loan even with bad credit history and the lender has little to risk as the loan period is normally quite short.

Lastly, many people dont know that by actually by applying for a payday advance, they can increase their credit rating by borrowing and paying back on time. Improving credit rating used to be a difficult problem because no company would want to lend them anything in the first place so it was difficult to show that you are a creditable person. However, it is important to keep in mind that you must repay the loan on time or otherwise you may get a bad credit history and you would be in a bad position to apply for other financial products.Andrew owns a number of finance related sites. For more information and advice on no fax payday loans or faxless payday loans as they are often called, click on the above links.

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