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Getting a 30 Day Payday Loan

When you live close to the edge, your paychecks seemingly barely covering your expenses each month, it's hard to think what you might do if an unexpected bill came due, repair had to be done on your house or car, or medical bill needed to be paid. Most people don't like to think about it too often, but unfortunately, such situations aren't fictional. You may end up having to do something about it if you get into this situation!

This is where the 30 day payday loan comes in. These loans aren't for long-term expenses like college tuition or houses, but for smaller expenses. They typically range from a few hundred dollars to a thousand dollars at the most, and they are repaid in thirty days, as the name indicates.

A 30 day payday loan is available to nearly anyone. If you have held your full-time (or, sometimes, part-time) job for a few months and you are over the age of eighteen, you should be able to get a payday loan. Some lenders do a telecheck, or credit check, while others don't.

Typically, the loan will come with a certain amount of interest that must be paid on the balance. For a $100 loan, you may pay $30 in interest, for example. (This varies wildly from lender to lender and from state to state, so don't assume this is how much you will pay.) Still, if you need that $100 to buy food for the rest of the month, it might be worth the large fee!

Also, if you don't pay the 30 day payday loan back on time, the interest will begin accruing and you may be subjected to late fees, a negative impact on your credit, and more. Obviously, you should have some plan for paying back the loan in place before you take it out, so you may have to live on less money from your next paycheck for the time after you next get paid to avoid taking out yet another loan.

A 30 day payday loan is very useful for paying off a debt quickly or carrying you through a rough situation. If you have already exhausted your other options, consider opting for one of these loans to help get you through.

You can apply for a 30 day payday loan at a physical outlet of a money lender or through the internet. Either way, be careful you examine the terms of what you are getting into and you may just be able to get through a tough situation.

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