Splash Cash Advance Phone Number cash advances can be a real lifesaver. If you are considering applying for this type of loan to see you through a financial pinch, there may be a few things you need to consider. Keep reading for some helpful advice and insight into the possibilities offered by payday advances.
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A lot of companies are not truthful or do not show you up front all of the provisions of the loan. They might charge fees that are very high. The typical annual percentage rate (APR) on a payday loan is hundreds of percent, which is 10-50 times the standard APR for a personal loan.
A good tip when taking out a payday loan is to make sure that everything on your application is truthful. You might be tempted to shade the truth a bit in order to secure approval for your loan or increase the amount for which you are approved, but financial fraud is a criminal offense, so better safe than sorry.
If you take out a payday loan, make sure that you can afford to pay it back within one to two weeks. Payday loans should be used only in emergencies, when you truly have no other alternatives. When you take out a payday loan, and cannot pay it back right away, two things happen. First, you have to pay a fee to keep re-extending your loan until you can pay it off. Second, you keep getting charged more and more interest.
Getting a payday loan is remarkably easy. Make sure you go to the lender with your most-recent pay stubs, and you should be able to get some money very quickly. If you do not have your recent pay stubs, you will find it is much harder to get the loan and might be denied.
Demand an open communication channel with your lender. If your payday loan lender makes it seem nearly impossible to discuss your loan with a human being, then you may be in a bad business deal. Respectable companies don’t operate in this way. They have an open line of communication where you can ask questions, and receive feedback.
Consolidating more than one payday loan can be tempting, but is not a wise idea. It makes sense that an inability to pay the initial loans will lead to an inability to pay for a bigger loan. Seek out a way to pay the money back at a lower interest rate, this way you can get yourself out of the payday loan rut.
A better alternative to a payday loan is to start your own emergency savings account. Put in a little money from each paycheck until you have a good amount, such as 0.00 or so. Instead of building up the high-interest fees that a payday loan can incur, you can have your own payday loan right at your bank. If you need to use the money, begin saving again right away in case you need emergency funds in the future.
If you have applied for a payday loan and have not heard back from them yet with an approval, do not wait for an answer. A delay in approval in the Internet age usually indicates that they will not. This means you need to be on the hunt for another solution to your temporary financial emergency.
Use cash advances only for cash emergencies. One of the benefits of a payday loan is that it allows you to remain self-sufficient and handle your own finances in private. If you had to borrow the money from family or friends, then you would need to disclose your financial situation, which many people prefer to keep to themselves.
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We usually apply for a Splash Cash Advance Phone Number when a catastrophe (vehicle breakdown, medical expense, etc.) strikes. In some cases, your rent is due a day earlier than you are going to get paid. Payday cash advances are designed to bridge such a gap, but it is important to only use these loans when absolutely necessary. Take this information to heart and use it to your advantage in rising above your financial distress.