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Gauranteed Payday Loan
By Peter Hughberry
Our convenient and cheap payday loan process.
'Payday loans' are small, short-term instant pay day loans made by check cashers or similar businesses at comparatively higher interest rates. Typically, a borrower writes a personal check for $100 to $500, plus a fee, payable to the lender. The lender agrees hold onto the check until the borrower's next payday, usually one week to one month later, only then will the check be deposited.
CashOne, one of the premier lenders of personal emergency money, headquartered in Utah is registered with the Utah Department of Financial Institutions. The finance fees of this established payday loan, Utah company is calculated at 521.43% APR(Annual Percentage Rate- the cost of credit on a yearly basis), until your due date.
You can find your finance fee by multiplying the amount borrowed by 5.2143 (521.43%), divided by 365, times the number of days to your due date. For example, if you borrow $300 for 15days, your finance fee will be $64.28= $300.00 x 5.2143 / 365 x 15. If you borrow $100 for 18 days, your finance fee will be $25.72 = $100.00 x 5.2143 / 365 x 18.
The instant payday loan amounts available depend on borrower's earnings and approval. To find out if you are eligible for a payroll cash advance loan, just fill out an online application form and you’ll be on the road to fast cash.
CashOne charges you for the days you borrow and not a flat fee. And, the fact is that most payday loans are for less than 14 days until the first payment is due. And, that is where it save you so many dollars.
How to determine your payday loan due date
Your due date is your next payday, unless it is less than 7 days or more than 21 days from your loan date. If your payday is less than 7 days, your due date must be your subsequent payday or 21 days, whichever is less. If your next payday is over 21 days away, then your due date must be in 15 days.
If you are unable to pay off your payday loan on your due date you may be eligible to extend your loan, by paying all interest earned up to your due date, plus any required payment towards principal.
Payment Options
When your loan falls due, payday loan company CashOne will automatically renew your loan and withdraw the loan fee from your bank account.
Full Payment Option:
If you want to pay back your loan in full with cash, cashiers check or money order, it will be marked 'paid in full' the day we receive the payment. Full payments made via electronic funds transfer or Automated Clearing House(EFT/ACH) will be marked 'paid in full' once cleared funds are received from your bank. This process usually takes two bank business days.
Extension Only
This payment option includes the earned interest fees only and can be used a maximum of two times on any one loan.
Extension Plus
This payment option includes the earned interest fees plus an additional 10% or more of your original loan balance, paid towards principal loan pay down. If you cannot pay off your loan in full, this option helps reduce your principal loan balance and reduces future interest fees and overall loan cost.
Early Payment Option:
Loans paid off early will only be charged the principal loan balance, plus the prorated earned interest to the scheduled pay off date.
Apply now only for a guaranteed and instant payday loan at CashOne.
Peter Hughberry is a Masters Degree holder in Finance. He has over 30 years experience in personal, business and investment finance. For more information please visit http://www.cashone.com or contact the author at: peterh@cashone.com
Article Source: http://EzineArticles.com/?expert=Peter_Hughberry
http://EzineArticles.com/?Gauranteed-Payday-Loan&id=494075
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| Get your Payday Loans and Cash Advances and at of the places below. Try them out, you will find they are all easy to use and you can get your money very quickly. Read the Payday Loan reviews below and try out one of them for your payday needs. | |
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Bills coming in? Get up to $500 NOW!! We provide short term cash loans when you need them the most. Approval takes only minutes and funds will be available the very next day! We cash personal checks and hold 'em! Even if you have bad, slow or no credit, we can put cash in your checking account TODAY! | |
| Up to $1500 Payday Loan Overnight!Need cash in a hurry? Get up to $1500 in as little as one hour with no faxing needed! Nothing can be faster than wanting cash whenever you need it - and instantly get it! Our money program works 24/7, giving you emergency access to funds anytime of the day or night. | |
| Free Payday Loans! First-time customers receive a FREE loan! No Fax Required. Faster approval process. First-time borrowers of payday loans can request up to $400.00, and first-time customers get a free cash advance. The fee for a cash advance is $25.00 for every $100.00 borrowed. | |
| Faxless PayDay Loans to $1000 with no credit checks!Your #1 payday loan cash advance provider! The PaycheckToday online application is fast and confidential. No Faxing Required! Fill Out The Express Application. Approval in 30 Seconds. Get Up to $1000 Cash in 24 Hours! | |
| Cash Central Payday Loans. Cash Central is one of the first online lenders to offer payday loans with state certified backing in 23 states. We proudly maintain an honest, ethical, customer first-lending philosophy. No bait and switch. No over-promising. | |
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This is a good payday loan source with a low guarantee. Only $10 per $100 borrowed. You can receive up to $500 into your bank account by tomorrow. This site comes with excellent customer service, with receiving a 96% satisfaction customer rating. No fax. Go to the site... |
| A payday loan is a small unsecured loan, usually for $50 to $1,500, which is designed to meet your financial needs until your next payday. Essentially, you are making out a check for the advanced loan amount, plus a fee, to be held until your next payday, whenever that would be. Whether to get presents or pay a bill. | |
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