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	You have options!		What's best for me?
	Not all payday loans are equal. We have researched many companies and have found a great payday loan company.		We have found the best overall terms on a payday loan.


	Pros: How a payday loan can help you If you need money fast for anything that life throws at you, a payday loan might be the best answer for you. Payday loans offer fast approval, normally within a few hours twenty-four at the longest, with out a credit check. You can have the money in your account by the following day most of the time. So, if you need money quick, and don't want to jump through all the hoops that your bank or credit union asks, then a payday loan is perfect for you. Pay day loans are a great short term answer to financial problems. The terms of a payday loan are normally no longer than two weeks- one month if you can't get your loan paid off in the designated amount of time you might want to reconsider. Payday loans are cheaper when compared to the charges levied on an overdraft charge, or a bounced check fee. Cons: The negatives of a payday loan It is crucial that you repay a payday loan as soon as possible. Many people get into trouble with these types of loans when they are unable to quickly repay the debt. If you can't repay the loan at the end of the term, you'll be charged expensive additional fees. It is very costly to be stuck in a payday loan cycle for a long time and can lead to larger financial problems. Payday loans are also much more expensive than other methods of borrowing money. In most cases the annual percentage rate (APR) on a payday loan averages about 400%, but the APR is often as high as 5,000%. A standard credit card has an APR of 12% and a standard loan APR is around 7%. If possible, it is better to use a credit card or tap into your savings in the event of an emergency.