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Payday loans

Posted By: Inquiring Mind on 2007-06-11
In Reply to:

I'm in a jam and need to stop these bounced check fees:  Just found a payday loan site (We Give Loans) which has selected two companies matched to me where I could best get such a short-term loan (Secure Money Store, Get 1500 Quick). 


I've been trying to find out where they are located so I can check in with the BBB or with an agency who regulates them. 


As well, I've seen no negative Google hits about any of the three of these entities, which definitely piques my interest/curiosity in and of itself. 


Anybody have any experience, thoughts on this, the companies named above or on the industry overall and what to look out for?


Tx.





LINK/URL: We Give Loans


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Anyone who resorts to payday loans, credit cards or
paycheck advances should either find a better paying job or a second job. Crazy to borrow money just to live day to day. Don't bother telling me that I don't know how hard it is today to make ends meet....been there, done that then got smarter! What happens when you can't make the payday loan payment, credit card payment or you've taken such an advance on your paycheck it's gone before you get it?
I've tried Payday . . .
No problem. I did it all on line. They have direct deposit but you have to fax them a copy of your check from your employer and other documents. For a $200 loan I think the fee is $25-35, can't remember for sure but the first time they didn't charge anything. After your first loan and you are signed up with them, all you have to do is request a loan and they put it in your account the next day.
Runnin errands and shopping with my mom on payday and then stopping.. sm
for lunch. We always had the best day. She would always pick up little things throughout our stops for me or my brothers. Lunch was always full of girl talk and laughs. She passed away last September... Oh how I wish I could have one more lunch and girl talk day with her.
I know about the no interest loans
I had 2 - one where I moved from previously and still owned and rented that home out and my present home. We got rid of those as soon as humanly possible- those sound good but the interest soon shoots through the roof- this is why all the repossessions going on now. These are only a stepping stone- not for you to keep for years on- you will lose it all. We did not lose but then again we could afford to play around a little- does not sound like you can and you have your hands full.

yes, we can have up to 3 loans with our 401k

and we can barrow no more than half of what is in it.  We have 5 years to pay it off.  Unless we are using it to buy our primary residence then we have 15 years.  What I worry about most with that is making my paycheck too thin.  They are already taking out 75 a week for health insurance, 56 for the loan, 20 for a spending account I have, plus 45 to 50 for my contribution to the 401k, 3% of my pay/per pay period. 


I had also thought about barrowing against it to pay off my morguage.  I owe somewhere between 7000 and 8000 at 6% interest.   I went to bankrate.com and did a loan calculator and they estimated 75 per paycheck.  I pay 333 a month now.  It would be less a month if i did that  and that would make me an official home owner, boy that would feel good. 


Also the scary thing is, too many people pay off their cc only to run them up again.  Once my retirement money is gone, it is gone then what 


Actually, has she applied for the federal loans?
I'm sorry, I went on my own rant about private loans! Has she applied for the federal loans? All you have to do for those is fill out a FAFSA and the school should tell you how much you can get. There are two types of federal student loans and you can qualify for one of them no matter how much money you make. Those usually cover tuition and sometimes books.

The private loans come in when the federal loans aren't enough (I'm attending a private college and the federal loans aren't enough). Good luck!
Anyone know who to get college loans when you have less than good credit?
Daughter is going to school and she can get a loan with a cosigner but due to my and my husband's finances we do not qualify. Asking anyone else in the family is out of the question, tried, no luck.. Are there loans out there where my daughter would not need a cosigner.  She is a first year freshman.
Have you gone through the Pell, FASA, PHEAA process yet? Some of those loans are

I would be persistent about speaking with a financial counselor.  Or, perhaps, stop in your local branch bank and ask to speak to someone.  Maybe they can offer some assitance; monetarily or otherwise.


Best of Luck to you.