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But the problem is, theres a demand for them. A Pew survey finds that most payday loan users say these loans take advantage of them but at the same time, most say the loans provide much-needed relief. Fortunately, there are better ways to raise cash in a crisis.
Sometimes, its possible to get by without borrowing money at all. You can sell off belongings or ask for an advance on your paycheck. You can also apply for emergency aid, such as Medicaid or SNAP (food stamps), or seek help with paying off other debts.
But even if you need to borrow money, there are better places to turn than a payday loan office. In many cases, friends and family can help you out with a loan. Pawn shops and many online lenders offer small loans, even to people with bad credit.
Please Read Carefully. This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where WhiteRockLoans. com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender.
Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
ВЂў Nonsufficient Funds with Bounced Check Fee: 45 total charge, 1173. 21 APR вЂў Overdraft Fee: 40 charge, 782. 14 APR вЂў Late Fee: 20 charge, 521. 43 APR вЂў Short Term Loan: 10 charge, 260. 71 APR. Implications of Late Payment.