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Know the advantages and disadvantages of payday loans

Payday loans are usually sought after by people who have low credit worthiness and need emergency cash. It offers a convenient and quick means to borrow a small amount of money for a short period. Any individual above the age of eighteen, receiving a steady salary with a checking account is eligible to get a payday loan. If you are considering taking this short-term personal loan, it is vital that you are aware of the advantages and disadvantages that come with it. Read below to know more about the pros and cons of taking a payday loan.

Advantages of Payday loans

Payday loans are a convenient and easy source of cash in case of an emergency. For instance, if you have fallen short of your rent money or you need to do some house repairs, payday loans are a go-to-option because of their ease of availability.

A payday loan cash advance does not require you to undergo a credit check to be eligible. Irrespective of your credit ratings, you can avail a payday loan with ease.

Payday loans, if taken occasionally, don’t pose a detrimental effect on your credit score. Even if you take a payday loan to get through a difficult financial situation, it will not cast a negative mark on your credit worthiness.

Disadvantages of payday loans

Since payday loans are short term loans and are given out with no credit checks, they tend to charge higher interest rates.

Payday loans are given out only for a short period. You will have to look at other options if you need a long term loan with no credit check.

Payday loan amounts are generally small. They range from $100 to $2000 and are suitable only if you require emergency cash.

Payday loans may not be given to people who are unemployed, not receiving a steady income or are receiving social assistance. Payday loan companies give out loans only to employed individuals with a checking account.

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