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The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
Payday loans are small loans, usually under $1,000, meant for emergencies. Unlike other loans, lenders don’t require you to have good credit — and many won’t check your credit score with the big three credit bureaus.
Since payday loans are repaid within a week to 31 days, they have a high annual percentage rate (APR). In many cases, your APR can be 300% or higher. But some of the best payday lenders have more reasonable fees.
The application can be done online from a mobile device or computer, although some lenders also allow you to apply over the phone or by visiting a store.
To repay your loan, you will either need to provide your lender with access to your bank account for an automatic transfer or sign a post-dated check.
It depends on where you live. Some states prohibit payday loans by enforcing a cap on interest rates. Other states restrict how much payday lenders can charge or impose other regulations to protect borrowers.
Unfortunately, many states allow payday lending without enforcing heavy regulations. This can put borrowers at a disadvantage and allows lenders to charge fees that lead to APRs of 700% or higher.
APY stands for “annual percentage yield” and factors in compound interest. See why the difference between APY and interest matters so much.
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Try to keep enough money in your checking account to cover monthly expenses, plus a small cushion. Read more tips here.
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