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jennifer | What do you think about payday loans? |
I am thinking about getting one and would like to hear you advice about them. |
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Panamaniac
 |
Don't do it if you can because once you do it, it will become a habit very hard to break, I would recommend it only if it was your last option.
I just to work with someone who had 4 loans and each one for 500, in Ohio I believe it is $15.00 per $100. so every 2 weeks he was out $300 because he will borrow $500 and he had to pay $575 back, so $75x4=$300.
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.
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NOOOOOO! Don't do it. If you have ever read the fine print on those commercials, you will note that if you borrow $2500, you repay close to $10,000. They are a rip off, and if you can't afford bills you have to pay now, you won't even be able to afford the monthly payments of the bills and the payday loan. They will strip you of everything you own. Please, don't do it. Find a better way. |
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Gypsy Girl
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You have to pay it back with interest. What is so important that you can't wait a week or two for it? If it's your house payment or other absolute necessity, then you should work with a credit counselor to help you with your budgeting. If it is not a necessity, then why pay all that interest for something you could get cheaper if you only wait a short time?
I think payday loans are a waste of money and indicate poor financial management skills. |
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GG
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truthfully if uir desperate go for it but the interest rates are off the chain |
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christinastjames
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BAD idea!
Don't do it! Very high interest rates, not worth it in the end. |
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carlosdinterpol
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Please avoid doing this. These payday loan institutions will charge you an exorbitant amount of interest. They are there to prey upon the poorer segment of the population. Most of these loans have a 22 to 35 percent interest rate. That means that if you borrow $1000, you will have to pay back at least $1300 if you get all of the money within the first 2-3 weeks of the loan. If you don't, that interest is compounded daily, in that, if you finally do pay the loan off in 6 months....you'll pay $2500 total. |
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Jeff H
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Doing so is like walking into a maze blindfolded knowing there is a hungry bear some where there in.
These places do report late payments to the credit bureau.
Some of the better lenders will not loan to you if you use one of these vulture outfits.
What part of NO was unclear?
Deliver Pizzas or wait tables. Just stay away from these kinds of places. |
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mommylauralou
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no. whatever you do. don't. we have done those before and all they do is cause more money problems than you had in the first place.
any one of those places is just a problem waiting to happen and you end up in more of a bind. believe me they won't help you. |
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miss_manda_jo
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I've never used them but know people that have and it never is worth it. No way in hell I'd do it, LoL. |
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Gem
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Biggest rip off around, except for buy here-pay here cars and rent to own computers and furniture.
You pay a lot for the privilege AND if you are a moment late, they can screw you so hard you will bleed.
I have known idiots that decided to not make the re-payment in time, they ended up owing nearly $300 for borrowing $100.
Pay day loan places are one of the places that are rich because there truly is a sucker born every minute. |
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Anjell
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Make sure it's the last thing you do before declaring bankruptcy.
Do anything and everything to get the money and make sure payday loan is your absolute last resort.
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Diane A
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look at their interest rates---it's like a zillion %. |
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