Its a long and lonely payday road out there, filled with all sorts of financial dragons and rabid mammalia just looking to burn you good - set you on fire ad dance around your writhing, mangled putrescence! Sure you can take your chance with payday loans, but if you get bit and need corrective surgery, or if you need help cleaning off your wounds, don't come a limping to Payday or Bust for cash advances - we're the ones who told you not to do it. Cash advance payday loans can really make life more difficult for you in the long-run.
Avoiding payday loans...with a smile
There are better, more cost effective means for short term financial assistance other than
- you can use your credit cards as a form of payday loan, and you can get your much needed cash in two ways. First, you can take your card to any ATM and get an instant cash withdraw up to a certain low limit. This is truly instant, much faster than even no fax payday loans, but it is also more expensive - usually charging about $40 for any form of cash withdraw. But in the long run they are actually cheaper than
payday loans because after then initial charge you'll face the lower APRs of credit cards, so repayment is more relaxed. or you can use your credit card through the period between paydays, maintaining your cash resource and paying off your credit balance with each paycheck.
- Negotiating a repayment plan, or a payday advance from your very employer - is a free and effective means to either facilitate repayment or get your
payday loans for free. Either way this will require additional work on your behalf, as well as a sucking up to the man which no road-warrior ever want's to do.
- You can initiate a savings plan right now to prepare for the emergencies before they happen. Set aside a certain amount from each paycheck, and set up overdraft protection on your checking so you will dip into your savings before you go to zero. This is a lot of work, but it is also free from the fees and risk of
- Apply for an unsecured line of credit from your bank or credit union that acts exactly like
payday loans with a slight jive in its step. You'll enjoy the lower rates of actual loans, and you will bee loans an amount much more than payday loans could offer, but your application will be a lengthy one so again, this requires a little foresight. It also required strict qualifications, and if you are having a hard time qualifying for bad credit payday loans then don't even bother. Banks and credit unions will look at your credit and will offer you a loan or loans based off your qualifications, not your instantaneous need.
Online payday loans are so popular because they are ubiquitous, they are the easiest type of cash advance, and they are rampantly misunderstood. If people knew the facts of their payday advance loans, or their many financial options, they'd probably just keep putting one foot before the other and march on down the road - Payday or Bust.
Sometimes the long road is just better
Interstate thumbin' just ain't what it used to be, what with all these teenagers and mass murders and junk crowding up our once-free highways and by ways, foulin up the speedy winds with their piercins and cuss mouths and quick payday loans. Me, I likes to take things slow, I take the back roads and keep to the country folk, and when it comes to my financial stability I say payday advances? I don't need no stinkin' payday advances! Shoot, if them fightin' boys and girlies be takin a lesson from ole rotten boots, them military payday loans wouldn't be such a worry. Maybe I should contract myself out to the U.S. Military? Yup.