In the current climate, sometimes you need a little extra money to help out until payday. Instant cash in hand payday loans are very simple to attain and maintain if needed. It's as easy as one two three!
You can walk into any cash advance or payday loan building that you see they all go through the same basic procedures. The first initial loan you take out will be the longest process you'll ever have with the payday loan company. They usually require your past two previous pay checks stubs, some kind of monthly bill in your name with your current address and your ID. They will have you fill out their application which consists of your basic information; home address, work information, salary information, etc. They will also require you to list at least two references. Now, make sure all of the telephone numbers (including your own) are valid working numbers! They will literally call every single one right there on the spot until they get either a live person or an answering machine. If the number is invalid they will tell you to change the information until you get it right.
The maximum payday loan amount will be based on your monthly income. Which means you cannot borrow more than that amount. Usually, the first payday loan is free of charge so there's no financing fee. All you do is write them a check for the total amount (the loan and the financing fee) and tell them what date you want the check set for, they will also have you sign a contract the usually states that you are agreeing to pay the listed amount on the chosen date, etc. You will always have the option to personally come into the office and pay it off using another method of payment such as cash or card. If you do not show up in person, the check will be run and the total amount will be taken out of your checking account on the date it was set up for.
As long as you have the money in your account and you're doing fine money wise, you will never have to get instant payday loans again if you chose. Now, if you aren't sure you want to just pay the payday loan or maybe you can only pay a portion of it. You can go into the payday loan original location and either extend your loan or pay down your loan. To extend your loan all you will need to do is pay the financing fee and write another check for the total amount. For example, if your loan was for $300 and your finance charge was for $65 you would only pay the $65 and write a new check for the total amount. If you want to pay down your loan most payday loan companies only allow you to pay down by $50 installments. For example, if your loan was for $200 and your finance charge if $35 and you wanted to pay it down by $100 you would pay $135, which would bring your loan amount down to $100 and the representative would tell you how much to write the new check for.
There you have it! Just apply, write the check, and get cash in your hand the very same day. The best part about instant payday loans is, after your first initial loan is taken out and paid back, if you ever need a little extra help again all you have to do is go in and write them a check. Your information will already be in their system! Overall I definitely think payday loans are a convenient way of getting a little extra cash when needed. I know they've helped me a time or two.
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