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Anchorage AK, Cash Advance and Payday Loans

Alaska 1St Cash
229 West Fireweed Lane
Anchorage, AK, 99503
Advance Til Payday
618 Gambell Street
Anchorage, AK, 99501
601 E Dimond Blvd
Anchorage, AK, 99515


Important Points of Payday Loans

Surely at some point in our lives, we will be able to relate to the idiom of “When it rains, it pours.” This saying can hit close to home, especially when it comes to our financial endeavors. Much too frequently so some people deposit their paycheck, pay their bills, and almost immediately after is everything spent and the countdown until our next paycheck begins again. Even for people who do an excellent job of budgeting and spending within their means can find themselves in a financially tight corner once in a while. It can be a daunting challenge trying to configure a plan to stretch your paycheck to satisfy your obligations when the money simply isn’t there.

This is where payday loans fly in with a red cape and save the day. For people who need only a small amount of money for a short period of time, or who may not qualify for prime lending because of poor credit or bankruptcy on their credit score, payday loans provide a much needed financial relief. Often times our friends and families are not in a much better position (financially speaking) to offer assistance; however, with payday loans you don’t have to trouble anyone for a few extra dollars. You can apply and qualify for a payday loan in minutes from an online lender, and receive your cash in a few short hours.

While payday loans are easy to be approved for and provide money without lengthy periods of waiting, there are a few important points about payday loans you should always remember.  First, while the general requirements to be approved for a payday loan are relatively easy to meet, double check that you do in fact qualify before you spend your time completing an application. Typically speaking, borrowers should be at least 18 years old, have a checking or savings account (with direct deposit), be currently employed, and a citizen of the United States. Payday loans do not require a credit check so lack of or bad credit can still qualify.

Payday loans are an excellent resource to take advantage of when you need money but don’t have the time to wait for it. That being said, your payday loan has the potential to become a burden in two ways. First, using a payday loan as a means to deal with ongoing budgeting issues will ultimately cost you more in the end. When you have to “borrow money from Peter to pay Paul” you are not doing anyone any favors. Another way in which payday loans can stir up trouble is if you don’t construct a repayment plan before taking out your payday loan. While some states do allow an extension on your loan or to “rollover” your payday loan, being able to pay the loan in full when it is due will make the most of your payday loan experience.

While it may be tempting to spend the extra cash on a purchase you’ve been wanting but have been unable to afford, saving your payday loan to cover emergency expenses only will save you from spending beyond the necessary means.

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