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How to get a cheap payday loan

Payday loan deals are fixed-rate loans for people who have a bad credit history and are no longer able to pass a credit check. Low APR loans are no longer a realistic proposition if you have failed to repay money which you have borrowed during the last seven years. However, there are some effective ways to reduce the cost of borrowing.

Ways to get a cheap payday loan

Reduce the borrowing term
Some payday lenders will allow you to take out cheap APR loans for 14 days rather than a full calendar month. The duration of a loan is the main determinant of how much cumulative interest you will pay. If you can reduce the term, you will pay less interest. Reduce the amount you borrow
Cheap loans in the UK are not available for people with bad credit. So, try to minimise the size of your loan. You need to pay your mortgage, but do you really need the new LCD TV? You are spending tomorrow's money today. So, only borrow money to pay for the bear essentials. Ask yourself if you really need an item before you part with any cash. Compare prices to find the best rate loan
You will normally find that a cheap payday loan will cost you 25% per month. It is worth checking the cost of borrowing at several different lenders before you sign-up. You would not sign-up for the first secured home loan you found, so you need to be more selective. Payday lenders should also be clear and transparent with respect to their charges.

Cheap alternatives to a payday cash loan

Cheapest loans from family members
If you are experiencing a temporary crisis, see if a member of your family is prepared to offer cheap loan rates. You will need to repay them the money or you risk damaging an important relationship. If you experience difficulty making repayment, check to see if he is prepared to offer you a brief repayment holiday until you get back on your feet. Cheap loans online from a credit union
People join credit unions on the basis of a shared interest, such as employment or locality. Depending upon your credit status, you may be able to get a small cash loan to help you out of a tight spot. If you have a really bad credit history, you can secure the cash advance against some stocks you own.

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