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 Truth fully! who earns the most money on here anyone worth more than a million? |
uk question!
Additional Details
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Ana E | Why do most people have such a negative view of payday lenders? |
I am a payday lender. |
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Isabella A
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People who take out payday loans are, in general, irrespsonsible with cash to begin with. Most people go to payday loans not out of emergency, but to cover or buy things after they've already spent their paycheck. Now when they can't make their paycheck last even until the next paycheck, when you add repaying a payday loan, they are now short even more and it snowballs into more and more payday loans. Makes a victim out of people who can't properly manage cash to begin with. Easy cash = easy trouble for consumers.
A site I've recommended in the past would be...
http://www.safelinked.info/go.php?link=loan
Hope that helps. |
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Brien Private Finance
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Because payday lenders charge outrageous interest rates, and when people get payday loans, they fall into being barely able to pay the payday loan off with each paycheck so they continually have less and less money to spend on bills, etc..
I don't think people have a negative view of payday lenders, just a negative view of how the system works (the payday loan system) and they want to make sure that others do not go down that path. I am a firm believer that it is ultimately the person's decision whether or not to get the payday loan, or do anything else for that matter, and they have to live with the consequences, but most people just want to tell them that it is not a good idea, because it rarely ends well. |
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duff16oz
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% rates and fees!!!!! |
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Sparrow
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Because predatory lending, which is illegal in some places for good reason, is the common practice of "payday lenders". Like many other things, this is a stereotype of a profession that has leaked into the personal arena...but it still holds true that the many have poor ethical and business practices. I'm sorry you don't see that...but it is the common perception for a good reason. |
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runnercaiti1
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You know you are a ripoff. Don't lie.. |
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trebleb00st
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Alright, you give me a payday loan of the amount of my paycheck, which is $750. By next payday, I have to either pay you back (lets say a $25 charge) $775 OR you take the check I wrote for you and cash it. In essence, when trying to use this to pay bills, its robbing Peter to pay Paul. The money that I needed for the next months check would of have to have gone to another person to pay some debt, and here I am at your doorstep again, asking for an advance. It's a financial whirlpool of destruction.
On the other hand, Payday loans are great for emergencies, such as plane tickets to a funeral or dying family member. |
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Lola Z
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Most people have a negative view point due to the higher than normal interest rates for borrowing. The rates are usually stated up front before a person receives the loan (or if they arent you should definitely ask what it will cost you) but they are higher because it is intended only for a short period of time (aka your next payday).
Payday loans are very helpful if an emergency arises and you have no alternatives to getting the funds you need.
It becomes a negative experience if you cannot pay back your loan in full on your next payday. This is when it can become expensive and you have to pay for missed payments or NSF charges at your bank.
People need to be sure that they can pay back the amount they borrowed before taking out a fast cash advance. |
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m
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Because of the fees. It's almost like dealing with a loan shark. |
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Priss
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easy... 99% interest rate. plus fees. |
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Flute
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coz of the interest rates and the biased terms and conditions |
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Tyler E
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I'm really not sure. Good question. Probably because of rates and stuff I guess. |
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