If you've ever had an emergency
suddenly come up, and then had a huge bill at the end, you've probably
considered this. Similarly, if you've ever wondered where the rent money is
coming from this month, or looked at the sorry state of your fridge, you've
probably thought about doing this. You may have even though of this so that
you'd have the money to take that special someone out on that expensive date
you promised. What am I talking about? A payday loan of course!
So, you might be wondering if you
should indeed get this loan. After all, it is something that you will have to
pay back, and quickly. Something else that might have crossed your mind is that
it is not a fix but simple a delaying tactic. What is meant by this is that the
underlying issue of not having the funds is still there, but is pushed to the
side. But, you may contend that you really do need this money quickly and that
it is "just the one time." And so long as you stick to that statement
and understand the entire process of getting a payday loan, you should be find.
That said, are there times where you
shouldn't consider getting a payday loan? Yes. One reason you may want to avoid
this arrangement is that you will have to ensure that you have the monthly
payment in the bank in addition to having funds for your regular expenses. This
doesn't just evaporate with your loan. Something else to consider is that
although the emergency will be gone as soon as you take care of it, depending
on the size of your payday loan, you will be paying for it for quite some time
afterward. This is something you'll want to think about and will need to add
into your budget.
A payday loan can be a great source
of comfort in that it can give you breathing space not just for the current
emergency but after as well. Still, you should really consider only getting the
amount that you absolutely need to get you out of your current predicament.
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