If you are in need of quick cash for a short-term loan to get you through to your next payday, then a payday loan may be right for you. These are different than long-term loans, which are usually needed for large purchases, such as a car or a home improvement project. Instead, these are short-term loans, or payday loans, which are designed to help individuals when their next paycheck just can't come quickly enough.
The majority of payday loans range from $100 to $500, and most payday loans have a short timeline, usually less than two weeks.
Payday loans are used for a variety of household and personal expenses, and they are ideal for those individuals that may not have available credit or other means of acquiring cash for the short-term.
The following list details the most common reasons individuals seek payday loans:
1. Groceries - There are a few things that we simply cannot live without; groceries are one of them. Have you ever paid all of your monthly bills only to find out that you didn't leave enough for basic, household items and food? If so, then a short-term payday loan may be right for you.
2. Gas Money - With the rising cost of gasoline, many hardworking individuals have experienced a hard time paying their bills and putting gas in their cars. The bottom line for most people is that no gas equates to no job. We all need to put fuel in our vehicles so that we can get back and forth between work, pick our children up from school, and run errands, for example.
3. School Lunch Money - You don't get paid until next week and you find out that your children's lunch money is due tomorrow! What do you do? If credit is a problem and your bank account is tapped, you may want to consider a payday loan to provide your children with money for their school lunches.
4. Utilities -If your gas or electric bill is due and you don't have a paycheck coming until next week, you may want to consider a payday loan to pay your utility bill and make sure that you don't lose your utility service because of non-payment. This will also keep your credit report free of late payment marks.
5. Car Payment - Just like gas money, you need your car to get you back and forth from work, among other things, and you can't afford to have it taken away because of non-payment. Because of this, you may want to consider a payday loan to cover your car loan until your next paycheck.
6. Rent - Don't let your landlord continue harass you for your rent money when you know you won't have it for a couple weeks. Instead, get your landlord off your back by taking out a short-term payday loan to cover your rent.
7. Car Repair - If your car isn't running, it isn't doing you much good. If you car needs repairs and you simply don't have the cash to cover it, you may want to seek a payday loan to get your car up and running.
8. Medical Emergency - Medical co-pays, deductibles and out-of-pocket expenses related to a medical emergency are certainly a must when dealing with a serious situation. A payday loan will help to pay these expenses until you receive your next paycheck.
9. Personal Goods - Personal goods, such as toiletries, medications and diapers, are often not thought of as necessary, except when you are without them! Payday loans are a great way to provide you with extra cash to cover these incidentals until your next paycheck.
10. Household Goods - What do you do if your refrigerator breaks and you don't get paid until next week? A payday loan can come in very useful in these types of tight financial situations.
When you have an emergency or basic needs that must be fulfilled, a payday loan is a great way to manage your expenses before your next paycheck is cut.
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