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When considering a payday loan, you should consider all options carefully before making a decision. When choosing the best option, one needs to take into account the interest rates, penalties and fees charged, the time it will take to get the money, and whether it is a better option than a different route. There are two ways to apply for a payday advance. One must go through a bank where you can fill out an application online, get approval, and then have the money deposited directly into your bank account. The other option is to apply at one of the many online payday loan companies. Here are the main considerations when comparing these two methods.
In general: You should always consider whether a bank account is more convenient or faster. Alternatives could include borrowing from friends, other creditors, or even an advance on your credit card. When you borrow from friends or family, you need to make sure they can easily provide a bank account number if you should need to borrow more money. When you apply for an outstanding payday loan at a reputable online lender, the process is the same except you do not need to rely on another person or entity to provide a bank account number.
Convenience: Some people are able to get approval for an outstanding payday loan within seconds. Others are able to take several days or even weeks. When you apply for a bank account payday loans are processed the same day and usually require only a few documents or signed forms. The application process is far less cumbersome and time-consuming.
Time: When comparing two similar options you should consider how long the process will take to complete. Some lenders may offer a money back guarantee. This means if you are not satisfied with your application, the lender may offer to refund 100% of the outstanding payday loan amount. Other lenders may offer a one-day or two-day approval process. If you are approved quickly, you may be able to save hundreds of dollars compared to waiting days or weeks to find out if you have been approved.
Expected Return Date: How long the expected date of return differs between lenders will vary. Some lenders offer their customers the standard payday loans that allow them to access the amount they borrowed as soon as possible. Others require borrowers to pay back the full outstanding payday loans amount in a set amount of time. Knowing the terms before you sign on the dotted line can help you make a smart decision about whether to pursue your outstanding payday loans application.
Return Address: Upon receiving the application, be sure to have a return address. If your application is returned to you with the return address being lost or missing, do not make any immediate use of the funds. Instead, contact the lender immediately and request that a check be sent to your bank account. By doing this, you can avoid paying fees for sending the loan amount back to the lender.