Thread: payday loans?! HELP

I think it will all depend on how much you make at your current job.. they rape you with interest tho.. Its rediculous.. try your bank first...

Originally Posted by yerg

I think it will all depend on how much you make at your current job.. they rape you with interest tho.. Its rediculous.. try your bank first...

ya i know about the whoel interest thing. Im all set on bills and shit after this and ill be able to pay it back. i should be making some money to in about another week to help pay it off but i dont have all the money i need right now. the interest and what not do not deter me. i have to go to the bank tommorow ill see what i can do with them first hopefully they pull thorugh.

Originally Posted by sofargone561

Has anyone ever gotten a pay day loan? if so did you get it from a physical store or online. I need a pay day loan and i need the loan by wednesday monring preferably tommorow night. I need about 300 but i want to get 500 just to be safe. Whats the best place to get a Payday loan? should i ask my bank? i just need 500 bucks withing the next say 40 hours and i need the cash in my hand. I asked a few friends and theve helped me as much as they could. im not financially in a bad place just somthing came up that i didnt expect and it need to be had asap lmao. please help me out guys any advice will do, theres 2 check places that supposidly do payday loans im going to check them out tommorow i guess. can you get a same day personal loan for only 500 bucks?

I happen to run a payday loan business in Texas. Not sure about the laws in your state but you would need a drivers license, social security card, recent pay stub, a credit account with direct deposit and paperwork from your bank of your credit activity (can't be a copy), and 2 recent bills to verify your address (such as a water/electric bill). Usually you can only loan up to 20% of your income, so if you make 3000$ a month you could be loaned up to 600$. Interest rates for payday loans here in Texas are 20$ per 100$ - and that doesn't include any fees. Depending on the length of the loan you could wind up paying back 125-150$ for a 100$ loan.

I don't know you situation, but you shouldn't do it. If it's rent or something, ask for a 5 day deferment instead. If you deal directly with a person, bring a thank you card when you make the payment.

Why does this not surprise me.

i just came up with a short bit of cash. i still need about 300 bucks =( im stuck here

Originally Posted by sofargone561

Has anyone ever gotten a pay day loan? if so did you get it from a physical store or online. I need a pay day loan and i need the loan by wednesday monring preferably tommorow night. I need about 300 but i want to get 500 just to be safe. Whats the best place to get a Payday loan? should i ask my bank? i just need 500 bucks withing the next say 40 hours and i need the cash in my hand. I asked a few friends and theve helped me as much as they could. im not financially in a bad place just somthing came up that i didnt expect and it need to be had asap lmao. please help me out guys any advice will do, theres 2 check places that supposidly do payday loans im going to check them out tommorow i guess. can you get a same day personal loan for only 500 bucks?

go suck some dick at your local truck stop...

Maybe pawn, not sell, something of really high value.

be careful bro back when i was young i got a payday loan for about 600 and ended up costing me about 1100 before i could pay it all back, but i was also young and didn't try very hard to pay it off. Id go to bank and try for an unsecured loan or if you have some equity or payed for vehicles a secured loan, much better! good luck!

If you have a checking account, do you have some sort of "reserve line," or line of credit which you can pull from and pay a small fee? Better then paying those cash loan places. My fee was something like 3 cents a day till the balance was paid from my bank.

Originally Posted by PITBULL915

Maybe pawn, not sell, something of really high value.

Im going to do this

Originally Posted by littlekev

be careful bro back when i was young i got a payday loan for about 600 and ended up costing me about 1100 before i could pay it all back, but i was also young and didn't try very hard to pay it off. Id go to bank and try for an unsecured loan or if you have some equity or payed for vehicles a secured loan, much better! good luck!

ya im not getting a payday loan anymore. I got enough to the paint where the payday loan would be nothing but a hasdtle and a waste of money

Originally Posted by Ezskanken

If you have a checking account, do you have some sort of "reserve line," or line of credit which you can pull from and pay a small fee? Better then paying those cash loan places. My fee was something like 3 cents a day till the balance was paid from my bank.

Im going to ask them about this. I only need about 150 bucks or so id like 250 to stay safe. thought pawn shop here i come

Tell people at work that your pet kitten needs surgery.

Plea$e help $ave Mr. $nuggle$!

Uh, seriously, though, isn't there a family member who can float you $200 for a month? No one you can farm yourself out to for some labor, moving services, I don't know.

Just from reading this thread, a payday loan sounds very unappealing.

Good luck, man.

Otoh, what does gauze cost, $1.79?

Borrow a cat, spring for some gauze... I bet you could rake in a thousand at your workplace.

"He's never going to pull this off."

You could suck a few dicks. Not sure what the going rate is, but it shouldn't take more than 3-4 to come up with $300, maybe fewer if you're really good at it.

GICH!

I GOT it!!! i only have 1 family memeber near me and he said no lmoa. but i got the money without a pay day loan and without pawing anything. =) thanks for the tips and info guys

Pay it off as soon as you are able.

Good luck.

Originally Posted by Moneytoblow

I happen to run a payday loan business in Texas. Not sure about the laws in your state but you would need a drivers license, social security card, recent pay stub, a credit account with direct deposit and paperwork from your bank of your credit activity (can't be a copy), and 2 recent bills to verify your address (such as a water/electric bill). Usually you can only loan up to 20% of your income, so if you make 3000$ a month you could be loaned up to 600$. Interest rates for payday loans here in Texas are 20$ per 100$ - and that doesn't include any fees. Depending on the length of the loan you could wind up paying back 125-150$ for a 100$ loan.

All of this is correct! In my early college years I did some payday loans and you absolutely get raped with the fees and the charges. Bottom line, it's definitely not worth it unless you're in some serious financial trouble.

Glad you got it worked out, payday loans are never worth it.

Originally Posted by DOMS

Pay it off as soon as you are able.

Good luck.

sorry i ment like i got the money. I owe my buddy 100 bucks. but other then that. i have all the money i need. sold my spare dbol. i sold a few things from my pothead days and borred the other 100 from a buddy.