Top tips on finding an online payday loan

If you are looking for an online payday loan, then there are a few points that you may wish to bear in mind. These could help you find the loan that may be suited to your needs:

– some providers of payday loans in Arizona are able to offer a service which is completely automated. From an online application, right through to an automatic debit card transaction repayment from your bank account, the whole process is seamless and paperless;

– if you are looking for a fast solution for a short-term cash flow problem, then there are online payday loan providers who can make the cash available in your bank account in as little as two hours – providing your bank can accept these fast transfers;

– to qualify for some payday loans, you may not have to have a perfect credit history. As payday loans are for relatively small amounts of money borrowed over short durations, some providers may be prepared to lend to you even if you have had credit problems in the past;

– you may wish to try to keep the amount you are looking to borrow realistic in terms of what you can comfortably afford to repay from your next pay. Lenders may welcome your repeat business on another occasion but not if this is because you have run short again as a result of borrowing too much the month before;

– bear in mind that the longer you have the loan for, the more you’ll pay in interest. Many providers charge interest according to the number of days that you agree to take the loan for;

– make sure you understand exactly what you’ll have to repay, remembering that other charges, for example to cover the bank transfer, may also be levied;

– try to avoid using a payday loan as a solution for long standing debt problems. Payday loans are an ideal tool for short-term cash flow glitches and are not really suitable for other purposes such a debt consolidation.

If you are finding yourself a bit stretched financially after the Christmas period, and it’s a long four days until you get paid at the end of the month, then an online payday loan could be the solution you need to tide you over until January’s payday comes along.

Summer holiday deposit: thinking ahead and quick payday loans

If you’ve just managed to survive the Christmas and New Year festivities, there is a fair chance that your thoughts may already be turning to the summer holidays. That might not be a bad idea because traditionally there are some great holiday bargains to be had early in the year and quick payday loans may help you take advantage of them.

The reason there may be some potentially great holiday deals available in the depths of winter is because significant numbers of people hold off booking until the last moment.

That means that some holiday companies start to become a little nervous about booking levels and desperately seek to encourage people to put down some deposits.

This not only helps them with their forward planning for the summer months but it also brings in some desperately needed cash flow during the traditionally quiet winter months.

The trouble is, of course, that if you have just spent considerable sums of money getting through the end of year holidays, then you may be a little strapped for cash yourself.

It would be a great pity to miss out on some of these bargains simply because you did not have the deposit money available at the time that the holiday companies were making offers available.

Quick payday loans may be able to help because you may be able to borrow that deposit money to snap the bargain up.

The payday loan typically works very simply, you apply to borrow an amount of money which, if approved, could be in your bank account within a few hours, the loan provider will debit your bank account to recover the loan plus their charges, on your next payday.
It’s fast, easy and avoids the risk of slipping into long-term debt.

It’s a sad fact of life that sometimes the biggest opportunities to save money go to those that, paradoxically, have the most money immediately available.

Quick payday loans may allow you to benefit from the savings available to those that have cash readily available. It may be a way of cutting the cost of your annual holiday and giving you something to look forward to through those long and dreary winter months!

Oh it feels good to be back in the couponing saddle again!

Even if I only did a quick mini-run. Albertson’s (until Tuesday July 1) has the following on sale:
Garland Jack BBQ sauce .99 (coupon $1/2 = .49 ea after cpn), retails 1.99
Koolaid .20 (coupon Buy 10 Get 3 free, cpn expires 6/30, = .15ea) retails .25
Van Camps Pork & Beans .33ea limit 6 (no coupon) retails 1.67 each!
2L sevenup company “10 calorie” soda .88 WYB 4, (coupon .75/1) retails $1.29
So you’re saving (from retail) 1.50 more on each BBQ, .10 more on each koolaid, a whopping $1.34 ea on P&B, and a whopping $1.16 ea on soda.

At Stater Bros:
Farmer John hot dogs are on sale .99 (from $3.99) cpn is $1/2
Garland Jack BBQ also .99, but part of a 4 offers/household/day promo, cpn is $1/2
Koolaid also .20 ea
Reynolds baking cups .99 (from $1.29), cpn is $1/1 = FREE !!

Stater Bros has a “new” store policy (YMMV) that they aren’t supposed to take coupons if they exceed the sale price. It takes “too much of the cashier’s time” to manually ring up the coupons. So, be aware that on any given day, particularly if it is busy, and with any given cashier, they could refuse to take your coupon and you can get cash advance loans next time! On the other hand: WALMART updated their official policy, and are now allowing you the benefit of OVERAGE. This means if your item costs .90 cents, and the coupon face value is $1.00, you get .10 cents “credit” towards your order. What this really translates to is they have updated their software to ignore item price and only count # of items purchased minus # of coupons scanned.
HAPPY DAY, especially since they PRICE MATCH !