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

January 17, 2016

 

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.

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This service is not available in New York or to New York borrowers due to interest rate limits under New York law.

 

 

Material disclosure
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. These disclosures are provided to you for information purposes only and should not be considered legal advice.


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