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Discussion in 'Credit Talk' started by Paul, Sep 12, 2000.
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Personally I think this is a bad idea myself, you should never spend money before you have it, just my thoughts
Be very careful with sub-sub-prime lenders like this.
The interest rates are *very* high, if calculated as an APR, although they might not *look* so bad, since the loans are only for a week or so. There may be high fees, too.
Also, my understanding of their requirement for a checking account is that apparantly you have to give them a post-dated check. This is either used to pay off the loan on the scheduled day, and/or is held hostage, with the threat of them presenting it and nailing you for writing you a bad check.
Although I notice you say, "sites." Are you talking about traditional store-front type facilities, or something online? If there is an online version of this sort of thing, I would guess that it would involve an ACH transfer to send you the money, and an ACH authorization from you to function like the post-dated check.
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I've taken out one of these payday loans before and it worked really well for me. (from a store, not online)
The fee for $150 loan for 2 weeks was $25.00.
That may average out to a high APR over a year, but it is less than the returned check fee from the bank.
Very useful if you have an emergency expense thatyou weren't planning on.