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A Payday Loan is a short-term loan that allows the borrower to get a small amount of cash for a short-term and a high rate of interest. You can think of this loan as a cash advance on your salary.

 

A simple example of payday loans will be: imagine you have a sudden expense and your salary is 2 weeks away, so you can avail this loan and pay it back the day your salary is credited.

 

 

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PRINCIPAL AMOUNT

The principal amount of this loan is usually guided by the monthly income of the borrower and is equal to or a percentage of that; hence the next pay cheque of the borrower acts makes this loan secure. Your previous credit score does not matter in a payday loan as the lender is authorized to take payment from your account on the due date. Lenders ensure this authority by taking a post-dated cheque or some form of bank account information while lending.

DURATION

The tenure of a payday loans in Las Vegas is very small and usually is around 2 to 4 weeks. As soon as the tenure of the loan ends the borrower must pay back the principal along with the interest and in many cases a service fee for the loan. If the user is unable to pay back on completion of the tenure they may request for an extension of the loan, which in turn may entail more fees accumulating on your loan; this is called a rollover. Many states regulate rollovers or may even outlaw them.

INTEREST RATES

Interest rates for this loan are very high and are paid weekly to the lender, and the APR on a payday loan can go as high as 700%. Interest rates may vary depending on states and lender you chose to borrow from. Many states put a cap on the APR on these loans, whereas there are many states which do not allow them.

REGULATIONS

The Consumer Financial Protection Bureau (CFPB) has special authority to regulate all payday lenders irrespective of size.

Current legal payday loans status in the United States:

  • Legal in 27 states.
  • 9 states allow some form of short-term lending.
  • 14 states and District of Columbia forbid it.

 

STEPS TO GET A PAYDAY LOAN

  • Find a Lender: Not all states allow payday lenders, so you may need to do a little online research to find one to suit your needs.
  • Talk to the lender: Usually, once you request for a loan the company will assign an officer to you. Talk about all the details of the loan:
    • The Principal amount
    • Interest rates and any other fee involved at different stages of the loan process and
    • Due date and repayment options.
    • Rollover details.
  • Once you are clear will all the minute details go ahead and apply for the loan.

 

Pros and Cons of a Payday Loan

The pros and cons of this short team cash advance are argued based on the need of a borrower. If a sudden crisis occurs, this quick inflow of cash can turn out to be a savior, however, the inability to pay the loan and the associated high-interest rates can be a curse. So if you decide to go for this loan, make sure you have assessed your current and upcoming future financial condition.

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