payday loan
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Title Loan
Asked by J.C. from Dallas
on April 6, 2012
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Hello, i was wondering if anybody know's how a title loan works?? does it cost a arm&leg to pay it back? have any of yall ever done it before? thankyou for the help!!
Answers
- Don't do it!!! Yes, any loan, especially a title loan is going to be a HUGE intrest! Easy money always comes a high cost.
- DO NOT DO IT! My ex did it and the interest was 148%. And if you get behind one payment, its hard to get caught up! AND they hold the title so they can TAKE YOUR CA...
- If you look at the fine print of these loans they are usually 100+% interest. A credit card at its worst is only 30% and you can get credit cards that charge less tha...
I Need a Loan
Asked by C.B. from Oklahoma City
on October 29, 2007
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Our credit stinks! We have had a hard couple of years, child with cancer; husbands job change; etc... I have tried to get things back on track but have had no luck. ...
Answers
- We got into quite a tight spot and were using payday loans. You can get up to seven at a time (at different places) and they vary on repayment plans (ours was 2wks). T...
- Kinda vague on what for and how much....if it is for going back to school try to get a pell grant...4,000 and you don't pay it back....it disperses as you go to school...
- It may be too late, but if it's medical bills, you can always contact the hospital or doctor and tell them your situation and sometime they will give you a discount or...
Mom Seeking Info. Regarding Loans or Payday Loans
Asked by B.H. from Detroit
on December 8, 2009
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Hello,
I got this info in the mail the other day that said I was pre-qualified to receive up to $700.00 in credit/loan. I went online to check out the website and di...
Answers
- I used to work at a bank where I saw many of these types of loans overdraw peoples accounts. Here are a couple of things for you to think about: Do you have plans fo...
- Hello. This can seem like a quick and easy way to get a little cash on hand but if you pay a $45 fee over one month that is equivalent to a 180% apr!!!!!! I can't ev...
- DON'T DO IT!!!!!!!!!!!!!!! The government keeps a close eye on these places since they are such rip-offs. If you don't have the money to buy your kids Christma...
Pay Day Loan?
Asked by F.S. from Dallas
on October 4, 2010
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Anyone ever get a pay day loan? How exactly does it work? The pros/cons? What place did you go to? What do you look for? I see them everywhere so I'm wondering ab...
Answers
- don't do it if you can avoid it. they charge more than a cc would, i've never done one, and have heard nightmare stories. if you can refrain from a loan like that.
- BAD IDEA! Always. Avoid these things like the plague.
- DON'T DO IT. The best deal was 20% cost and it was due in 14 days or there was a 40% fee. They run the check through on day 14 no matter what so you better have the m...
Money Question
Asked by J.S. from Spartanburg
on October 21, 2008
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Hi Moms,
Has anyone ever had to default on a payday loan? If so has the been any legal action taken?
I have 2 and am unable to pay them at this time and it will ...
Answers
- I have not been in your shoes, but call legal aid and get some advice. They may be able to guide you, with the economy being messed up who knows what those payday loa...
- I work at a financial institution and I see these places bringing in checks to cash against our members. Heather is right it is a bad cycle to get into. If you dont ...
- Hi, You are look for an part-time job or just to replace your full-time job. GREAT ! You are hired . For your own business opportunity. ...
Debt and Deficit
Asked by J.W. from St. Louis
on August 5, 2011
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Nope doesn't have to do with the government.
Cheryl posted about financial responsibility. A few people commented that they use credit cards but don't carry a bala...
Answers
- I wrote a response to you on my cell phone, and lost the whole thing. Rather than go through what I said again, since most of what I said is already here, I just want...
- Well since you ask, the payday loan people are in the bottom of the bucket below the leeches and such. They get away with way too much and even though regulations hav...
- I think what they were really trying to say, is active credit is a good tool. Purchasing and paying it off, is not debt, but active credit...in my opinion. Actual deb...
Personal Loans
Asked by C.N. from Phoenix
on June 15, 2011
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I can't decide so I'm asking you ladies for advice..I have been trying to get a loan and my credit is bad. Well I applied online and got a respond from a company. The ...
Answers
- No, I would not do this. Go to the library and check out this book: The Total Money Makeover by Dave Ramsey. It will help you start dealing with your finances and take...
- Well they are damn near impossible to google so I would imagine they shouldn't be trusted. Sounds like the money must be in one of their checking accounts? As othe...
- I would do some research on them - find out how long they have been in business. Try to find some reviews on them. There are a lot of bad loan officers out there!
Help!!!!
Asked by N.D. from Kansas City
on July 18, 2006
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How do some of you do it?? I'm single raising 2 kids on my own & I basically live paycheck to paycheck. Everytime I try to put money in my savings account, I end up ha...
Answers
- I too got into the payday loan trap and it is the worst thing possible. I recommend filing for bankruptcy. It will wipe out your debt. Mark Johnson at the Wagoner B...
- Have you thought about refinancing your house, and taking the money out? I know a great mortgage broker who is good to work with, and can get loans through (even with ...
- I agree with who posted the comment about payday loans. In my algebra class last fall, we figured out the interest on a loan and it ended up being about 1 2/3 more in...
How Can We Get Out of This Circle?
Asked by S.M. from Dallas
on February 23, 2008
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Hi ladies,
I really need help. My husband and I are in serious financial trouble. A couple of months ago, my husband was out of work for a few weeks. He has a job now...
Answers
- First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...
- Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...
- It's been said a ton already, but I gotta say it again-DAVE RAMSEY. His total money makeover book and his talk show is a good start. I won't add anymore about his pl...
Husband Court Ordered to Pay Car Paymen
Asked by C.B. from Cleveland
on February 11, 2007
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My ex is court ordered to make my car payment and it is repo status for the third time. I talked to leagal aid and they can't help me. I don't have alot money to per...
Answers
- C., If you cannot pursue legal help to force him into paying, get rid of the car as soon as possible and finish severing the ties you have to this man who cares lit...
- Just an added note, YOU can take him back to the Court where the Judge ordered him to pay it. The Judge can do lots of things because your ex is in contempt of Court ...
- I was in a similar situation with my ex. I went ahead and completed a chapter 13 to preserve my credit and avoided the coat of a car payment and all my other obligati...
