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Payday Loans Articles
Payday Loan Tip #5: Find Alternatives
Find Less Expensive Money
If you have a bank, apply for a line of credit or a small loan with that financial institution. If you have a credit union membership, you should know that credit unions often offer small loans to their members, even though they do not advertise this fact. Keep a credit card on hand with a low limit to use for emergencies. However, only use that credit card for true emergencies, and pay it off as soon as you possibly can.
Also, take the time to comparison shop so you can find the least expensive credit possible. Before you sign any contract committing you to a debt, make sure it is the best option. Don't forget to compare both the APR (annual percentage rate) and the finance charge in dollars and cents. It is a federal law that all lenders or other sources of credit, except those providing bank overdraft loans, must disclose their credit costs in the same manner so you can compare costs.
Consider finding less expensive sources for the loans you need.
Licensed small loan companies or signature loan companies can charge 24 to 48% annual interest, and they may allow you to make payments in monthly installments. This can be a more affordable alternative. For instance, if the interest rate is 36% and you borrow $500 and make monthly payments for four months until it is paid off, the total interest you will have paid is $38.04. However, if you borrow the same $500 from a payday loan company, and renew it every two weeks for those four months, you will have paid around $700 in interest and fees, assuming the fee is $17.50 per $100 that you borrow.
Another option, although not a cheap one, is to take a credit card cash advance. If you pay a $500 cash advance in four months, it will cost you $48.86 if the APR is an average of 20.23%, there is no grace period, and you paid a 3% cash advance fee with $7 minimum. Even the most expensive cash advance options on a credit card cost $66.77 for $500 that is paid back in four months. (Cost Chart)
Keep in mind that any cash advance or credit card that you receive from a federal credit union cannot have any more than 18% annual interest. Therefore, borrowing $200 with a credit union loan and repaying it in three months only costs $6.05.
If you are a member of the military, you should contact the relief society or military charity for your particular branch. With these organizations, you may be entitled to free financial help in emergencies.
Another option is to use your bank or credit card to apply for real overdraft protection. These programs will automatically charge your credit card, use a line of credit, or transfer money from your savings account to deal with any checks or debits for which you do not have sufficient funds in your account. Real overdraft protection is not free, but having this is much more affordable than borrowing from payday lenders or paying the fees for bouncing a check. However, make sure that you are not using a "courtesy overdraft" program that will charge you a fee if you bounce a check or create an overdraft and allows you to use the ATM or your debit card to create overdrafts.
The other sources of loans, such as refund anticipation loans, car title loans, rent-to-own schemes, or car title pawns, should be avoided because they are high in cost and risk.
Payday Loan Tip #6: Don't Get Trapped
Get Out of the Payday Loan Debt Trap
Stay away from the trap created by piling up payday
loan after payday loan. If you have to take out a second
payday loan to pay back your first one, you will create
a huge debt trap that is difficult to get out of.
If you cannot pay back your loan at the due date, tell
the lender that you need to make a repayment arrangement
that will allow you to pay back the loan in monthly
installments. Some states require the lenders to allow
this, including Alabama, Alaska, Florida, Illinois,
Michigan, Nevada, Oklahoma, and Washington. If you do
not get a positive response from the payday lender,
your state regulator can help you.
Do not allow lenders to take money directly from your
paycheck. Read any contracts carefully to see if you
signed a clause called a voluntary wage assignment.
If you did, you need to write the lender revoking that
part of the agreement, so the lender cannot take your
wages without approval from the courts. The Federal
Trade Commission's Credit Practices Rule prohibits any
mandatory wage assignments, which some lenders' contracts
use anyway.
Beware of Bounced Check Fees on Payday Loans
Since you are securing your loan with a personal check,
you open the potential for unexpected costs if you do
not have the money to pay back the loan on the next
payday.
Both the bank and the payday lender will charge a fee
if your check bounces. Every time a check is returned
by your bank unpaid, you are charged another fee by
the bank. The bank fee usually ranges between $20 and
$35. The payday loan company will also charge you if
your check is returned by the bank.
When paper checks bounce, the lender can convert them
into an electronic re-presentment. The self-regulatory
rules that all banks must follow limit the amount of
times that an electronic check can be presented for
payment after it has been sent back. The lender should
not try to return the check more than three times. However,
that still means that you will be paying the fees charged
by the bank and the lender three times if the payday
loan check overdraws your account. If you see that the
lender has sent the check in more than three times,
you can file a complaint with your bank.
Even payday loans that are handled electronically can
"bounce." Also, the agreements you sign for an online
payday loan may allow the lender to break the payment
into several different attempts to get the money from
your bank account. Each time the lender tries to get
the money electronically, you can earn NSF fees if you
do not have the money in your account. The loan agreement
may require you to keep your bank account open until
all fees and payments have been collected by the lender.
Safeguard Your Bank Account
Sometimes it is better to close your existing bank account and open a new one in order to gain back control over escalating loan payments and Non-Sufficient Funds (NSF) charges that come when a payday lender continues to try to collect on a check that you gave them, and your banker is the best person to determine when it is time to do this.
When you get into trouble, talk to your banker right away before the payday loans start bringing overdraft fees. If your account is closed because you continue to have overdrafts, you could end up on a list that keeps you from getting another checking account for up to five years. Your bank can also work with you to stop payments from being made to lenders who have electronic access to your account.
If you do not pay your loan, some states allow lenders to take civil action against you under civil bad check laws. However, most states do not allow payday lenders to file criminal cases on the grounds of a bad check having been written.
What to Know About Stopping Payment on the Check
If you order a stopped payment on a check that you used to get a payday loan, you have not canceled the contract you signed stating that you would repay the loan. Before you ask your bank to stop payment on the check that you wrote for your payday loan, which you might be tempted to do to stop the many NSF fees that are accruing, you need to consider a few things.
First, tell your bank before your loan comes due if you do not want the bank to pay the check when the lender asks for payment. You can orally ask the bank to stop payment, but this type of agreement only lasts for two weeks. You must complete it with written notice within fourteen days.
Banks charge a fee between $18 and $32 to stop a check, and this is similar to a bounced check fee. You will need to tell the bank the check number, whom it was made out to, the exact dollar amount, and the date you wrote it.
The order to stop payment on a check lasts for around six months. After that timeframe, the person or company that holds the check can present it to the bank again, and it will be processed unless you put another stop payment on it, and pay another fee. Be sure to check your bank statement for old checks. If you see them, ask your bank to put the money back in your account and send the check back as stale dated if it is older than six months.
The payday loan laws in some states put borrowers at risk for legal action if they order a stop payment on the check that they used to get a loan, close the bank account the check is written on, or both actions, no matter what the reason.
Payday lenders in Alabama and Alaska can pursue criminal action when borrowers do not make good on the check they used to secure a payday loan if that check gets returned because the borrower closed the bank account.
Colorado and Wyoming have laws that held consumers accountable if they close the bank account before the loan comes due. In North Dakota, the law states that borrowers cannot close their accounts at the time they receive a payday loan.
Missouri and Hawaii have laws that allow borrowers to face criminal prosecution if they order either a stop payment, or if the check is returned to the lender because the consumer closed the account.
Lenders in Mississippi can pursue criminal action if the payday loan check from the consumer bounces.
Arkansas law considers it a crime to close an account or stop payment on a payday loan check.
Lenders in Utah can sue for triple damages if a borrower cannot pay a check used for a payday loan. However, lenders in Utah cannot threaten criminal prosecution.
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