利用者‐会話:Sydu10pi668l

-- Sydu10pi668l 2012年2月11日 (土) 09:14 (UTC)
GET Money Until PAYDAY! . . . $100 OR A lot more. . . Rapidly. The advertisements are on the radio, television, the Net, even in the mail. They refer to money advance loans or a payday loan - which come at a very high cost. Check cashers, finance firms and other people are making small, short-term, high-rate loans that go by a selection of names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans. Typically, a borrower writes a personal check payable to the lender for the amount he or she wishes to borrow plus a fee. The company provides the borrower the amount of the check minus the fee. Fees charged for cash advance loans or a payday loan are typically a percentage of the face worth of the check or a fee charged per amount borrowed - say, for every single $50 or $100 loaned. If you extend or roll-more than the loan - say for another two weeks - you will spend the fees for each extension. Under the Truth in Lending Act, the price of payday loans - like other kinds of credit - ought to be disclosed. Amongst other data, you must receive, in writing, the finance charge (a dollar quantity) and the annual percentage rate or APR (the cost of credit on a yearly basis). Loans secured by a personal check - such as a payday loan - is very pricey credit. Let's say you write a personal check for $115 to borrow $100 for up to 14 days. The check casher or payday lender agrees to hold the check until your next payday. At that time, based on the distinct plan, the lender deposits the check, you redeem the check by paying the $115 in cash, or you roll-more than the check by paying a fee to extend the loan for yet another two weeks. In this example, the price of the initial loan is a $15 finance charge and 391 percent APR. If you roll-over the loan 3 occasions, the finance charge would climb to $60 to borrow $100.Where to Complain If you think your lender has violated the law, you could wish to speak to the lender or loan servicer to register your issues. payday advance help