If you have poor credit and little savings but need cash in a hurry, a payday loan can seem like the best choice out of limited options. But payday loans come with many risks and disadvantages, including sky-high interest rates and hidden fees. When you're worried about paying a bill on time, payday loans aren't your only source of immediate funds. Less risky options exist, even for borrowers with poor or no credit. Don't wait until you're caught in a debt trap to check out these safer alternatives to payday loans:Small-dollar loans from financial institutions
Many banks and credit unions provide fair, affordable alternatives to pricier loans offered by payday lenders. Interest rates from such local lenders range from 5% to 36%, so shopping around for the best rate is a good idea. Successfully repaying a lower-interest loan will also improve your credit and help you access even lower interest rates in the future.Cash advance from employer
Asking your supervisor for an advance on your next paycheck can be awkward, but don't let that deter you if you're really in a bind. As long as you're in good standing with your company and don't make a habit of it — asking more than once is certainly a bad idea — it is a safe solution to a financial emergency. Meeting with your boss to calmly explain why you need an advance just this once might be met with an understanding response.
BarNone (1-800-BarNone) is a lead generation company based in Oakland, California. BarNone was founded in 1995 and was later purchased by the First Advantage Corporation in 2005 for their Dealer Services segment. They were later sold to Centrro, Inc. in August 2009.
BarNone connects consumers seeking an auto loan with auto dealerships...
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