A lot of people are turning to
one-hour pay day loans these days just because their paychecks aren't
stretching far enough any longer. If you're one of these people who have been
thinking about borrowing money, here's a list of things you need to know:
1. Find a website that gives you all
of the information you need right up front. Never deal with a site that tries
to bury the actual amount you'll be paying in a bunch of glowing words. If they
aren't willing to make it easy for you to know how much you're going to end up
owing, get out of there quick.
2. Choose a company that has a good
reputation. Many of the loan businesses are run by people who are only in it to
get as much money from innocent consumers as they can. They do this by charging
exorbitant interest fees. Look for companies that have been in business for a
long period of time and which have actual brick and mortar stores so you'll
know they aren't just fly-by-night operations.
3. Check out pay day advance loan
review websites to see what others have to say about their experiences with
various companies and to find out which companies have been rated highest.
Knowing that these sites may be biased, you want to check out several of them
to see if they agree. Find review sites that evaluate many different types of
products for more accurate reviews.
4. Find out what kind of customer
support the company offers. You want to find a reputable business that will
give you a 1-800 number and offer you service 24/7. Ratings sites and customer
reviews will give you information about this.
5. Read the fine print carefully and
read between the lines. When a site says "Low fees, $15 per $100", it
doesn't sound like much. However, what that's really saying is that if you
borrow $1000, it's going to cost you $150 in fees. If the loan is for four
weeks, you could end up paying an extra $150 each week for the four week period
or $600 a month on a $1000 loan.
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