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Things to Consider When Requesting Funds

In spite of the many advantages a cash loan for you has to offer, the lending industry has recently received some negative press. This has come mostly at the hands of state lawmakers, who were lobbied by "public interest groups" backed by larger lenders that view the industry as a threat. While most of the allegations that have surfaced have been proven wrong over overblown, there are a few pitfalls you should avoid when taking out funds.

No Magic in Money

Because getting an advance is so quick and effortless, it's almost as if you can make money appear with a snap of your fingers. But make no mistake about it--it's not free. Since the money we put into your account will be deducted from your bank account on your next payday, it's really a cash advance on your upcoming paycheck. So the amount of money you borrow now will be the sum you'll have to live without the next time you get paid. Therefore, we recommend that you think twice before borrowing funds to pay for frivolous things. Of course, you're free to do whatever you want with your money; if you choose to spend it on a shopping spree or to pay for weekend getaway, that's your business. But before doing so, we recommend first taking a realistic look at the situation and determining if you'll be able to get by on the lesser amount you'll receive the next time you get paid. If the cash you borrow is truly money that would have come from your next paycheck anyway, and if getting an advance still leaves you with enough funds to cover your regular expenses, then you shouldn't have a problem.

Avoid Rolling Over

The attempt to regulate the industry has resulted in the passage of rollover laws, which vary from state to state. Basically, a rollover is a two-week deferment; if a borrower decides to postpone paying off a balance until the following payday, he or she pays only the service fee on the original due date. This option serves as a safety net for most borrowers, who feel more comfortable knowing there's a loophole in the payment agreement in case another financial emergency arises. Unfortunately, there are people who have overused this option by continually rolling over their balances paycheck after paycheck, paying a new service fee each time. Making regular payments but never actually bringing down the balance creates a financial trap akin to the one used by credit card companies--and it's certainly not in your best interest to fall into such a trap. Fortunately, most states now have laws in place that limit the number of rollovers a borrower is allowed. Still, we recommend using this option only if absolutely necessary. While the fee for borrowing isn't anywhere near as exorbitant as some state lawmakers would like you to believe, paying the fee several times for just one loan isn't going to do your budget any favors. And that will defeat your purpose for coming to us in the first place. Sure, we could make a sizeable profit by encouraging rollovers, but we're in business to get our customers out of financial dilemmas--not into them.