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Emergency Cash: Using a Payday Loan for Computer Repairs?
Part five of the five-part series, "Emergency Cash," examining common uses for payday advances
Part five of the five-part series, "Emergency Cash," examining common uses for payday advances
It's 2 am and you are finishing up writing a report for work at home, when all the sudden your computer shuts down, your heart immediately
sinks, and you pray that you pressed save in the last five minutes. You go to restart your computer and you realize it's NOT starting, that is
the point where panic turns into tears. Your computer is broken.
If you are like most Americans, this situation has happened or will happen to you when you least expect it. And unless you know a lot (or anything) about computer hardware, you may be out of luck.
In this day of the digital age, a majority of Americans depend on a computer to survive and can't function in their daily life without internet access and certain computer programs. If your computer is broke, you will most likely need it repaired FAST. Hopefully you have a savings account or possibly a credit card with some credit still left. But if you don't and have already been denied a new line of credit, you may have to get a payday advance to keep your life going.
Before deciding to get a payday loan to fix your computer, ask your employer first for a payday advance. If your computer being broken is affecting your work production, most employers may consider giving you an advance in pay. If this is not an option, possibly ask a friend or family member if they can help you out. But if you have no other option, you may consider using a payday loan.
Most payday lenders can approve you for a payday advance of up to $500 instantly, even if you have bad credit. But understand that payday advances are meant to be short-term loans that are usually due, to be paid in full including interest and fees, by your next paycheck. Interest rates on these loans typically range from 15% to 30% of the total amount borrowed.
To learn more about getting a personal loan CLICK HERE
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