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Did you know that some of the richest people on earth today, had made some form of borrowing or loans too? Whenever they used their credit card they have borrowed money from the bank. Whenever they had drawn money from their letters of credit they had borrowed from the issuers. So don’t be shy about making a loan, too. Just make sure that every loan you make has a valid purpose. When somebody makes a payday loan, he most likely has a valid purpose, too. It could be an emergency medical bill, a car repair, or an unexpected expense.

A payday loan (also called a paycheck advance) is a small, unsecured, short-term loan to help cover bills or unexpected expenses until the next payday. Payday loans are fairly simple to qualify for. Your next paycheck acts as collateral for the loan. All you need to do is meet the following requirements:

  • 1. You must be a US citizen;

  • 2. You must be at least 18 years of age;

  • 3. You have an active checking or savings account;

  • 4. You have a job or a regular source of income.

  • The lenders also require the borrower to bring one or more recent pay slips as a proof of income, a recent bank statement, if any. Some states outlaw payday loans, some impose very strict interest limits, some have extended payment plans, and some have very lax policies on it.

    The borrower secures a small cash loan, with payment due in full at the next paycheck, usually a 2-week term. The borrower writes a postdated check in favor of the lender in the full amount of the loan plus the processing fees and interests. At the end of the 2-week period, the borrower is expected to return to the store to repay the loan in full or the check is deposited to the lender’s account. If the check bounces, the borrower faces any or all of the following outcomes:

  • 1. Borrower is charged penalty fee for the bounced check,

  • 2. The loan may incur additional fees, interest rate or charges as a result of the failure to pay.

  • Before making a payday loan, try to consider the following alternatives: paycheck cash advance from your employer, HR Department emergency program loan, Credit union loans, small loans from family, relatives, or friends.