{"id":1076,"date":"2021-08-05T19:43:34","date_gmt":"2021-08-05T19:43:34","guid":{"rendered":"https:\/\/motiveloan.com\/loans\/?p=1076"},"modified":"2022-08-18T21:10:42","modified_gmt":"2022-08-18T21:10:42","slug":"payday-loans-or-a-better-alternative-option-aug-2021","status":"publish","type":"post","link":"https:\/\/www.motiveloan.com\/loans\/payday-loans-or-a-better-alternative-option-aug-2021\/","title":{"rendered":"PAYDAY LOANS &#8211; OR A BETTER ALTERNATIVE OPTION [AUG 2021]"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-payday-loans\">PAYDAY LOANS<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/motiveloan.com\/loans\/wp-content\/uploads\/2021\/08\/better-than-payday-loans-690x388-1-690x388-1.jpg\" alt=\"PAYDAY LOANS\" class=\"wp-image-1077\" width=\"838\" height=\"471\" srcset=\"https:\/\/www.motiveloan.com\/loans\/wp-content\/uploads\/2021\/08\/better-than-payday-loans-690x388-1-690x388-1.jpg 690w, https:\/\/www.motiveloan.com\/loans\/wp-content\/uploads\/2021\/08\/better-than-payday-loans-690x388-1-690x388-1-300x169.jpg 300w\" sizes=\"(max-width: 838px) 100vw, 838px\" \/><figcaption>PAYDAY LOANS<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-do-you-need-cash-quickly-you-don-t-have-to-take-out-payday-loans\">Do you need cash quickly?&nbsp;You don&#8217;t have to take out payday loans.<\/h2>\n\n\n\n<p>Payday loans are short-term, small loans that are meant to be used until your next paycheck arrives. A payday loan can be applied online or in-person at a retail location.&nbsp;Payday lenders charge a fixed fee depending on how much you borrowed. You have until your next payday for the loan amount to be paid back plus the fee.<\/p>\n\n\n\n<p>While traditional payday loans or online payday loans may be able to help in an emergency, they can also create financial hardship for the future. It&#8217;s best to look at other options to borrow money quickly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>  The problem<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>It is difficult to pay off a payday loan on the due date. Because the lump sum is due so quickly, many borrowers find it difficult repaying a payday loan on the due date.&nbsp;Four out of five&nbsp;payday borrowers renew their loans, usually before their next paycheck, and one in five renew their loan at least seven times.&nbsp;Lenders charge more fees each time a loan is extended or rolled over. This can lead to a vicious cycle of debt that is difficult to break.<\/li><li>You will typically only be able borrow small amounts. Depending on your state you might only be able lend a few hundred dollars. This may not be enough to cover an emergency expense.<\/li><li>Payday loans with low interest rates are not attractive.<\/li><li>It won&#8217;t improve your credit score: Payday lenders rarely report payment activity to major credit bureaus. Therefore, paying back your loan on time won\u2019t help you build credit.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternatives<\/strong><\/h2>\n\n\n\n<p>Payday loans are not your only option in a financial emergency&#8211;there are several other\u00a0ways to borrow money fast.\u00a0For example, a\u00a0personal installment loan, loan from a family member, or loan from a peer-to-peer lending platform might be better a fit for your personal financial situation.<\/p>\n\n\n\n<p>These options are more likely to help you build credit, give you more time to repay the money, lower interest rates and fees, and be available in larger amounts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Debt consolidation<\/strong><\/h2>\n\n\n\n<p>If you&#8217;re stuck in a painful cycle of pay day loans,&nbsp;payday loan relief programs&nbsp;could help you break free.&nbsp;To consolidate payday loans and other types debt like credit cards or medical bills, you can also get an installment loan.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.motiveloan.com\/reviews\/request-a-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Motiveloan <\/a>offers a better option to pay day loans.&nbsp;As little as 24 hours, you can have $500-$5,000 in your checking account.&nbsp;We make it easy to <a href=\"https:\/\/reivewcrest.com\/apply-here-for-online-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">appl<\/a><a href=\"https:\/\/reivewcrest.com\/apply-here-for-online-loan\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\">y<\/a><a href=\"https:\/\/reivewcrest.com\/apply-here-for-online-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\"> online<\/a> and report on-time payments to credit bureaus to help you build your credit.&nbsp;<a href=\"https:\/\/motiveloan.com\/loans\/best-online-payday-loans-get-money-2021\/\">motiveloan&nbsp;<\/a>allows you to get the money that you need and help build a better future financial.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-payday-loans\">What is a Payday Loans?<\/h2>\n\n\n\n<p>You&#8217;ve seen them all advertised: Pay day loans are becoming more popular as a way to quickly raise funds to pay an emergency or cover your next paycheck.&nbsp;What is it that makes them different from other forms?<\/p>\n\n\n\n<p>Payday loans are typically for small amounts.&nbsp;Although many loan companies offer loans starting at $50, it is common for people to borrow several hundred dollars. Each state has its own maximum loan amount.&nbsp;They are also very expensive.&nbsp;These interest rates can be very high. They range from 100% to 700% annually.&nbsp;This is a very expensive way to borrow money.<\/p>\n\n\n\n<p>Many people find that pay day loan companies are available to customers with low credit ratings. In fact, some payday loan companies will lend money to customers without any credit history.&nbsp;Most payday loan companies only require identification and proof of income.&nbsp;Sometimes, even these two items are sufficient to get a loan.<\/p>\n\n\n\n<p>Although these loans are advertised differently in different parts of the country, if you are looking for a cash advance or deferred deposit, presentment or credit access, then you are basically getting a payday loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does it work?<\/strong><\/h2>\n\n\n\n<p>No matter what customer is applying, approval (or denial) can usually be made quickly.&nbsp;It usually takes only minutes to make a decision once proof of income has been provided.<\/p>\n\n\n\n<p>Once approved, the customer will authorize the lender to withdraw funds from their checking account after the loan term is ended or give them a signed post-dated check.&nbsp;The repayment period is typically one to two weeks.<\/p>\n\n\n\n<p>Two factors will affect the amount that a customer is allowed to borrow. The lender&#8217;s willingness to lend without taking on a lot of risk and the state&#8217;s maximum loan limits.&nbsp;A payday loan can be taken out in most states for between $50 and $1,000.&nbsp;After all paperwork has been completed, the money will be electronically transferred to the customer&#8217;s checking account.&nbsp;It can take up to two days for this process to occur if the loan is requested in person at a store.<\/p>\n\n\n\n<p><strong>Average cost of Payday Loans<\/strong><\/p>\n\n\n\n<p>This is the most important thing to think about when you are considering a short-term loan.&nbsp;Payday loans can be issued much more quickly than other types of loans (mortgages etc.), but they come at a higher cost.<\/p>\n\n\n\n<p>It is very foolish to apply for a payday loan first. Instead, explore other options to raise funds before you do.\u00a0The interest rates will vary depending on the individual and the amount borrowed. On average, a $100 loan from a payday lender will cost $15 to $35 (sometimes higher at less reputable Lenders).<\/p>\n\n\n\n<p>This works out to 390% APR if the customer borrows $100 for two consecutive weeks, and the charge is $15.&nbsp;Recent research has shown that borrowing $100 for two weeks is an expensive option at 610% APR. The average cost of borrowing $100 was $23.50.<\/p>\n\n\n\n<p>If there are no other options, it may be an acceptable price to pay in an emergency. However, customers need to be careful not to get trapped into a cycle where they borrow more money to repay previous loans.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PAYDAY LOANS Do you need cash quickly?&nbsp;You don&#8217;t have to take out payday loans. Payday loans are short-term, small loans that are meant to be used until your next paycheck arrives. A payday loan can be applied online or in-person at a retail location.&nbsp;Payday lenders charge a fixed fee depending on how much you borrowed. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[101,32],"class_list":["post-1076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-best-online-payday-loans","tag-payday-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - 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