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Next time you think about using a payday loan, consider these options first!
A lot of people, who use payday loans, may not be considering other options before taking a heavy hit in fees for
advancing their paycheck. But there does exist a variety of other alternative funding sources, if you find yourself
in desperate need for a payday advance.
First address the real problem, if you are constantly taking payday loans to repay other debt, it is time to get a handle on your debt and contact your lenders directly and set up a payment plan with creditor(s). If they are not willing to work with you, consider a consumer credit counseling agency or debt consolidation help, these companies will often negotiate your debt and interest to a lower amount, and construct an affordable pay back plan.
Before seeking a payday advance, always ask an employer, friend or family member, first to spot you the money you need, until your next payday. A lot of times this may be uncomfortable, but a lot of people are willing to help, if they understand your financial need and your responsible nature.
If this is not an option, try pawning or selling items that you no longer need for extra cash. Or even check your local Craig's List or job boards, for part-time or event-based gigs. Picking up a second job is never fun, but if you can find odd jobs once-in-awhile, it may become a good resource for getting extra cash in an emergency.
Also, consider taking a cash advance on a credit card as opposed to a payday loan. Make sure you understand the interest rates and fees associated with this financial action, but in general it is usually a better option than a payday loan.
Also, check for local Emergency Assistance Programs. Check with local non profits and faith-based businesses to see if they have relief fund setup that you can temporarily borrow from. A lot of cities and states with extreme temperature advisories often have set-up funds to help low-income families with heat or air conditioning assistance. Also, many non-profits and faith-based organizations have begun to build housing assistance funds, due to a flux of adjusting unaffordable mortgage payments. You will never know if you don't research and ask around your local community.
If none of the options listed above are possible, and you are still looking for a more affordable short-term loan here are some tips on what to look for.
Start at your local credit union or a small consumer finance company. Most of these financial institutions offer lower interest small short-term loans with longer payback periods than when compared to payday advances. Look for a short-term loan that has, minimally, a 90-day payback term. Also look for a loan that doesn't require you to provide a post-dated check or collateral for your small loan. Always look for loans with reasonable limits on loan renewals and no mandatory arbitration clauses.
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