I know the feeling only too well.
Most of us do in these times of financial uncertainty. I'm talking about that
sinking feeling when you just know in your heart that you simply don't have
enough money to cope with all the outgoings this month. Most of the time you
can scrape by but when something hits you out of left field, something you
wasn't anticipating then how on earth can you find the money to cover it and still
pay for the basics like food and lodging? Is an instant decision loan the
answer?
Only last month, I was doing quite
well. It looked like I'd be able to get through another month without resorting
to going without food and might even be able to buy myself a new pair of shoes
to replace the ones I was currently wearing which had a discreet, but
embarrassing hole in the sole. And then my boiler stopped working. I made a few
phone calls and the average quote was for around $300 for a repair. I had no hot
water to clean myself and no heating. Fortunately my cooker is electric so I
could still cook the food that I wasn't going to be able to afford anyway.
Your situation might not be as
drastic as mine was, or perhaps it is even worse, but the point is that your
mind probably turned to the same idea of a solution as mine did. An instant
payday loan.
We've all seen and heard the
commercials right? What a fantastic way to get yourself out of a tight spot!
But if you're anything like me, you also heard a few alarm bells ringing in the
back of your mind somewhere. And so, before jumping in to the nearest loan
shark infested waters I took the time to do some research. I spent a whole day
lurking on financial forums and discussion groups and eventually plucked up the
courage to ask a few knowledgeable people about instant loans and what to look
out for. Here are some of the words of wisdom I received from these financial
'wise old men'...
An instant payday loan does what it
says on the label. You get an instant decision loan. Pay it back on your next
payday.
If under any circumstances you don't
think you would be able to pay back the full amount of the instant loan on your
next payday, then run away as fast as you can in the opposite direction because
guaranteed, you will end up in a far worse financial situation a little further
down the road than you are right now.
If you are completely sure you will
be able to pay the full amount of the instant loan back on your next payday
then do your research. The internet has really opened up the market for instant
loans and they are all competing against each other for you. Make them work to
get you, not the other way around. Call a few of them up, tell them that
"so and so company offered me a rate of...%. Can you do any better?".
Play them off each other to drive down the deal.
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