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Payday Loan Reviews

Listed down is the opinions and reviews of sites regarding payday loans:

“Payday loans are instant, short-term cash advances against someone’s next paycheck. They can help in emergencies, but can also leave borrowers indebted for years.”
Source: journalistsresource.org

“On that day, a three-day payday loan, with a few dollars of interest, enabled me to avoid a significant overdraft fee. The legislators debating the merits of payday lending didn’t mention situations like that. The lesson? Powerful people sometimes do things to help people like me without really understanding people like me.”
Source: forbes.com

“According to one study, 91 percent of payday loans are made to repeat customers, cash-strapped workers who fall into a debilitating cycle of high-cost debt. These repeat borrowers often pay far more in interest and fees than they ever received in cash advances.”
Source: lacrossetribune.com

“They’re high cost, short term loans with more tricks than a Crufts show. Payday loans are short-term lending often used by people to tide them over until payday. They’re often very easy to get – some even do it on mobiles while drunk, which makes them feel convenient. But it’s that very ease which is the danger. If you don’t think about what you’re doing, it can be a nightmare”

“Payday loans charge more for a month than credit cards do for a year
Payday lenders usually charge a fee instead of an interest rate. Typically, a £100 loan for a month has a fee of around £25, so you need to repay £125. To put that in context, if you borrowed the same amount on a bog-standard credit card at 20% APR, then provided you didn’t miss any repayments, it would cost £20 to borrow £100 for a YEAR – £5 LESS than payday lenders charge for just one month.”

“1,000%+ APRs are mostly meaningless apart from as a welcome scare
If you express the typical charges payday lenders make as APRs most work out as over 1,000%. This is a useful warning against what can be dangerous products, but these APRs are mostly meaningless. That’s because if you borrow over a very short term, even a small fee can become an astronomical APR.”

“If you’re regularly getting payday loans, there’s a problem
Payday loans should never be used as a way to fill the gap between your incomings and outgoings in a month. If that’s happening to you, there’s a fundamental problem that a payday loan will only make worse not better. The most important thing to do is to sort out a budget, to try to balance your costs and income”
Source: moneysavingexpert.com

“Payday Loans a Crony Capitalist Target”
Source: wsj.com

“is a payday loan good or bad? The answer to this question depends on your situation, your time frame, and the decisions you make.”
Source: snappypaydayloans.com

“Although people have a choice to get them it does not change the fact that they charge more than allowed by law and it is poor people that they prey on to get their money no person that had money would get one. It is mostly people on SS disability and things like that. Sometimes you have people that don’t have understanding due to disabilities so they get these and have to continue getting them and the companies know this and they find loopholes in the law and run with them. It appears the lobbyists are smarter than the legislators.”

“One could argue that these payday loans sometimes do help people with short term problems whether that be a broken car radiator or something they need a cash advance for. For that it is a good thing that they get these payday advances. But the percent of interest may be too high which can cause them to be a reoccurring circle of debt. Not only will those drown the person accepting the loan but it will eventually drown the greedy banks who force these peoples into this circle. When a bank makes a short term loan with high interest, the only way the person will pay it back is check by check until the interest accumulates so much so that they default on the bank. The bank will than have inflated the value of money so much so that not only will they not get paid back the money but the money they do have will be worth nothing. This is the cyclical nature of banks in the greedy world we live in. The most important thing to note is where the greed starts, and it is in the very loan you take out that you cannot afford, for something you really don’t need at all”
Source: debate.org

5 most recent personal loan reviews

Review of Swift Sterling

A process that was made as simple and hassle free as possible. Friendly, helpful staff and the money was paid out as soon as all checks were carried out and they did not take long at all. A good opportunity to borrow money and build your credit score. Thank you Swift Sterling Loans from a happy customer :-)

Review posted by Shehzad Alum, Bridgwater

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Hitachi Finance

Recently turned 18 and wanted to apply for a loan to build my credit score which they agreed was fine. So applied for loan on 3/03/2017 and they rang me and my guarantor the next day at 8am! (Early but fine:) ) to confirm each others details and the loan was paid into my guarantors bank 11am that day 4/04/2017. Very good service and their customer service team are very efficient! Would recommend to use these guys for a loan.

Review posted by Jordan Mabbutt, Plymouth

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Pogo Loans

The whole process was easy and hassle free. The website is easy to use, the information is clearly laid out and easy to understand. When speaking with a Pogo person they were always polite and helpful. And of course, the loan came through on the day they said, I was totally stress free.

Review posted by Nick White, Mold

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews have been sourced from Trust Pilot for authenticity.