Pros and Cons of Payday Loans正反两方面的意见垫款贷款

If you need money fast, then you might be considering a payday loan.如果你需要赚钱快，那你可能会考虑垫款贷款。 Payday loans are a relatively new way to get quick cash and can be a saving grace for people who don't have any other means of getting the emergency funds they need.但垫款贷款是一个比较新的方式，以获得快速的现金和可节省的宽限期，为的人，也没有任何其他手段取得了应急资金，他们所需要的。 Let's say your car breaks down and you have no savings to pay for repairs.让我们说你的车坏了，你还有没有积蓄来支付修理。 In this case, one of these loans could provide you with the money you need to get your car back on the road.在这种情况下，其中的贷款，可以为你提供这笔钱，你必须找到你的车回来就行。

You may also hear these loans referred to as cash advance loans.您也可能会听到这些贷款被称为预借现金贷款。 There are many different establishments popping up all over the place, both online and at physical locations.有很多不同的场所出现，或任何其他地方，无论是在网上和在物理位置。 One good thing about this type of loan is that there is no credit check.其中一件好事，对于这类型的贷款是我们现在还没有信用检查。 That means if you have bad credit, you can still get a loan even when a bank, credit union or other financial establishment refuses to give you one.这意味着，如果你有不良信用，你仍然可以得到贷款，甚至当银行，信用社或其他金融成立不肯给你一次。 There are some things that these companies normally check, however.有一些事情，而且这些公司通常查核工作，但。 Because they want to make sure you will be able to repay them, your income will probably be verified.因为他们要确保你将能够报答他们，你的收入可能会被证实。 You can provide check stubs, or have your employer write a letter stating how much you make each month.您是否可以提供支票存根，或有你的雇主写一封信，说明你多么使每一个月。

Another thing these companies may need is a few references.另外，这些公司可能需要的是一种很少提到。 You can often use friends and family members as references.你可以经常使用的朋友和家庭成员的参考作用。 Sometimes they call them before giving your loan, other times they only call if they are having trouble collecting payment and cannot reach you.有时他们呼吁他们后，才给你贷款，其他时候，他们只要求，如果他们有麻烦搜集支付和不能达成你的。 Which brings us to one of the drawbacks of these loans -- paying them back!这使我们考虑到其中的弊端，这些贷款-付给他们回来了！

Let's say you take out a loan that requires an initial $20 fee for every $100 borrowed.让我们说，你借取贷款，需要一个初步的费用为20美元，每100元借来的。 If you borrowed $500, you'd end up paying a total of $600 when your loan came due, usually in one week.如果你借了500元，你会为此支付费用共600元，当你的贷款来因，通常是在一个星期。 But suppose you didn't have $600 in one week?但假如你根本不知道600元，在1个星期？ You can often choose to renew the loan and pay the interest charges only.你经常可以选择续约贷款和支付利息费用只。 The thing is, the longer the loan remains unpaid, the higher the interest charges go.事情是，时间越长，贷款仍然未付，且利息费用路要走。 It's not uncommon for the annual percentage rate on one of these loans to go as high as 600 percent!它的情况并不罕见，每年的百分比率对其中的贷款到高达600 ％ ！

All in all, payday loans are helpful if you have no other way to obtain the cash you need.总之，但垫款贷款是有帮助的，如果你有没有其他方式可以得到的现金，你需要的人。 The smartest thing you can do if you decide to get one of these loans is to read all the fine print, understand all the fees you'll be liable for, and pay the loan back as quickly as you possibly can to avoid extravagant interest charges.最聪明的事是你可以做的，如果你决定要送一的这些贷款是阅读一切优秀的打印，明白一切费用你承担责任，并支付贷款回尽快正如你所能避免奢侈利息费用。

Copyright 2006 Jim Sterling - All Rights Reserved版权所有2006吉姆英镑-版权所有

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