Anyone ever used a payday loan?

I need one really bad right now. I have bad credit, and I need money FAST to pay bills. Please tell me what is the BEST company in the U.S for these. Have you used them? What is your experience? THANKS A BUNCH!

Anyone ever used a payday loan?
Try to get a q-cash loan with a credit union. They work similarly to payday loans, but with several exceptions, including that the interest rates are lower, you have up to 3 times longer to pay it off, and if you can't pay it back by then, they will work with you to create a budget.





Good luck.
Reply:Call the places that you owe money to and tell them you are in a bind and that you will be sending payment, but it will be late. Often utility companies will extend a shut off date and credit card companies will sometimes offer you lower rates or smaller payment. Just be sure to pay when you tell them you will. Also any late payment fees you might get for paying late is so much cheaper then the extremely high ( should be illegal) interest rates charged by payday advance companies. I hope that this helps and best of luck.
Reply:Dont get them. Any bills you have, just make them wait 2 weeks until you get paid.





Payday loans are like this.





You owe person "A" 100 dollars and they are pressuring you to pay them.





You go to person "B" (also known as Payday loan company) and say "Hey...person A is bugging me for 100 bucks...if you pay them off for me today, i will pay you 150 bucks in two weeks"





So today you owe 100, You get a loan and now you owe 150. Nothing has changed except the name of the person you owe money to...NOTHING has change except the amount of money you owe. You just gave away 50 bucks for nothing. But with payday loans, its usually alot more..usually like 200 bucks per month, maybe more. Cut out the middle man and just ask your employer to pay you 200 dollars less per month...cause thats basically what you do with payday loans.
Reply:Getting any kind of loan has inherent risks. The only way to limit these risks is to have collateral or good credit. Payday loans carry high interest rates because they don't require collateral or good credit.





If you're going to get a pay loan, visit my site http://ezloansource.com





We provide fast service.
Reply:you are digging a huge hole for yourself. The rates are about 240% for these short term notes. Try a pawn shop with some jewelry or sell something
Reply:I recommend u borrow money from your friend or family, as they have high fees and interest. but Here is where I have used in the past http://www.loansandinsurances.com/