Be sure to look for a Payday Loan with no hidden fees and a lower APR.

Certain payday loans can really help you out of a bind when you need cash fast, but how are you supposed to pay them back when many of them have such high APR charges? The answer might be easier than you think!

Look for a payday loan that doesn’t charge huge annual percentage rates on each loan that they give. It might seem hard to find, but you can get a loan that won’t require you to pay a lot more back than you borrowed to begin with if you pay back by the due date.

This is where cashloancity.com tries to help. The monthly loan apply now link is chosen from research and comments that our visitors submit to us.

Avoid Big Lenders Some of the better known lenders are obviously the easiest to find, and when you need cash quick it seems easiest to just go with one of the first you come across. Unfortunately, those big name lenders need to charge more to make back their money. After all, advertising is the reason you know about them in the first place.

In many cases, If you don’t want to pay huge APRs, go with a smaller lender that can afford to charge you less. You’ll still get the loan you need and the process is going to be exactly the same except for the amount that you pay back in the end.

Go Through a Third Party If you want to find a payday loan provider on your own versus our advice going directly to a lender isn’t always a good idea because they have a single set rate. You can try to check out multiple lenders, but rate and hidden fee information may be hard to find, and there's a good chance they won’t tell you much over the phone. That can mean spending a whole day going from lender to lender for a short-term loan that you really can’t afford to spend that much time on.

Instead, go through a third party like cashloancity.com that will help you find the perfect loan. They encourage competition between lenders and you just might get a better rate than you thought you would. The terms will likely be the same, but you could end up saving money.