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Understanding How Payday Loans Work

Before taking out a payday loan, it is important that you understand what it is and how it works. You might assume that all loans are basically the same, but payday loans have specific qualities that make them different from other forms of credit.

What is a payday loan?

A payday loan is a small, short-term type of credit that must be paid back by the borrower on the next salary date. It is somewhat similar to a cash advance that you get from an employer.

How much can I borrow?

This usually depends on the lender and your income. In general, the amount a lender will grant you is based on how much you earn. It can also vary based on a lender’s criteria. If you do decide to get a payday loan, make sure not to borrow more than what you can afford to pay.

Will I be qualified for a payday loan?

As long as you are employed or receiving benefits, and meet the basic requirements of the loan provider, you can be granted a payday loan.

How soon can I get the funds?

You can expect to receive the loan proceeds in a day or even a few hours if you took out a payday loan from an online lender. Payday loans are typically easy to get so it’s a great solution for emergency financial situations. Can I get a payday loan if I have bad credit? Yes, online lenders cater to borrowers with good, poor or bad credit.