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Money Mutual > Payday Loans
 

Online Payday Loans from Reputable Lenders

Also called a short-term loan or cash advance, a payday loan is a signature loan that is typically paid back through your paycheck or other source of income. If you work and are paid once a week or every two weeks, you may be eligible for this kind of loan. Even if your monthly income comes from a pension check or Social Security benefits, those may also qualify as monthly income.

keyboard-cashDifferent kinds of people in many different situations find themselves in an emergency and in need of these loans. In many cases, the lender may want you to pay back the loan on your next payday, hence their name. With these types of loans, if you cannot pay the full amount back the next time you are paid, your lender may provide options to extend your loan – but keep in mind there may be extra fees associated with an extension. Making sure you read over the terms and conditions of your loan carefully before you agree to its terms is absolutely necessary and will help you borrow responsibly.

"Different kinds of people in many different situations find themselves in an emergency and in need of these loans"

One of the attractions of payday loans is that approval can be made quickly in many cases. While some lenders may get reports on consumers through credit reporting bureaus, many people can qualify even if they have low credit scores. That means that negative marks like credit card collections or charge-offs, foreclosures, or judgments may not automatically disqualify you from getting a loan. Typically, the basic requirements of getting a loan are that you have to be 18 years or older, have a valid checking account, and have a regular source of income, though other requirements may apply. Even people who have good credit use payday loans because they are quick and easy – sometimes they have unexpected expenses or they need temporary cash due to maxed-out credit cards and get turned down by their bank. In many cases these people are able to get short-term cash by the next business day and pay it off as soon as it's due.

atm-cashIt's easy to apply for a payday loan online. MoneyMutual makes the process simple through its network of lenders. MoneyMutual is not a payday loan lender, but matches people with a participating lender based on the information they provide and the lender's requirements.  You begin by filling out information on our website, reviewing the terms of any offer you are matched with, and then agreeing to the terms of that loan at the participating lender's website if it meets your needs.

One of the best ways to borrow responsibly is to repay your loan on time. That means on any size loan, you should pay it off on your next payday unless the terms in your loan agreement provide otherwise.  Before accepting a payday loan carefully read through all of the terms. Contact the lender to discuss any terms that you do not understand. Also, make sure you understand any penalties you may incur if you cannot repay the loan as scheduled.

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