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How I Saved My Skin with An Overnight Cash Loan

About a year ago I needed a cash loan, or so I thought. The rent for my apartment was about to be due and if I could not pay it that month, they were going to throw me out. That would have been an embarrassing thing, but, I was worried about my stuff more than my hurt feelings and where I could actually stay. I had practically nowhere to go and no one would be willing to take me in.

I did have some work, but what I was earning was barely enough to meet my basic needs and that is why I kept on falling behind with the rent. The other problem was that my payday then was still more than a week off. So I could not rely on it. I did not know anyone who could lend me the amount that I needed, the most that I was able to borrow from a friend was $20, which had to be paid back the next day. I did not have a credit card and my credit score was ruined. In short I was facing a disaster and I was sure to become homeless. It was such a terrifying prospect that would have turned real if it was not for payday loans that kept me afloat. I simply needed something, I needed a personal loan ASAP.

Are Interest Rates on Cash Loans Really High

I have heard about the loans for some time, but I have always stayed away from them because of all the bad publicity that they have been getting. Some say that their interest rate is way too high and that it could make a lot of people like me, get into deeper financial trouble. So what could I have done? It was as simple as that.

I understood the downside to taking out a loan even with legit payday loan lenders. With interests too high, it is perfectly possible for borrowers to have a difficulty meeting the payment deadlines. It is easy to take out one loan after another and get into the habit of doing to eventually fall into a loan trap. So even though I might say to myself that I need a personal loan ASAP and today as my only course of action I am fully aware it is a one time thing only. And so I did in the past.

Even though I fully realize the negative aspects of a quick cash advance, I still took out one back then so that I could pay off my rent. The alternative was to be thrown out of my apartment. The interest was pretty steep and it was a huge blow to my limited income back then, but I had no choice. In hindsight, a loan was a blessing and not a curse. Indeed I needed a personal loan ASAP badly enough.

As Easy and Convenient as Can Get: No Credit Check

The fact that it is available for someone like me with bad credit is a great deal already. I had no other means of getting money fast. Aside from not running any credit checks, reputable payday loan lenders will also not require you to send any documentation or issue checks that would cover the whole loan amount, which was the practice in the past.

This can all be done instantly as well. You can get an approval in as little as one hour and the typically processing is the same day that you submitted an application.

I have never needed a payday loan again, but I know that if I ever end up in a tight spot again and I need a personal loan ASAP I will not hesitate to take it out.

Payday loans are legal in: Alabama (AL), Alaska (AK), California (CA), Colorado (CO), Delaware (DE), Florida (FL), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana, Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Mexico (NM), North Dakota, Oklahoma (OK), Oregon (OR), Rhode Island (RI), South Carolina (SC), South Dakota (ND), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY).

Payday loans are illegal in the following states: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC).

Most popular cities visiting this site: Houston, Cleveland, Chicago, Los Angeles, Memphis, Jacksonville, Orlando, Kansas City, Mobile, Huntsville, Birmingham, Jefferson City, Chandler, Beaumont, Aubrey, Festus.

Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000

Consumer Notice: Short-term loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing short-term loans.

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