Short Term Loans...are they right for you?

With less than a week before she was to receive her next paycheck, Roni was faced with a problem that millions of Americans experience at some point in their lives: bills that are due and not enough cash available to pay them. Faced with a dilemma of late fees and a lower credit rating, many consumers with no options left turn to credit card advances as a stop-gap resolution for their problems. Unfortunately, for many Americans, they either do not have a sufficient line of credit available to tap in emergencies situations like Roni's or their credit is maxed out. So, what do they do? Like so many consumers are learning they can turn to providers of short term loans like those found on the internet. Let's take a look at some of these options to see if they are right for you!

Loan options vary amongst providers, but they typically permit borrowers to apply for a loan on one business day and receive funds deposited to their checking account the following business day upon approval of their application. Most lenders require that you have a checking account that has been open for a minimum of 90 days, that the borrower be at least 18 years of age, and that the borrower be employed or receiving a regular monthly check [pension, social security, etc.]

Loans are short term with many being in the neighborhood of 7-14 days. As in the case of Roni, she could request a 7 day loan and pay her principle back with interest once her paycheck was deposited in her account. If for some reason she was unable to repay on time, she could request an extension which would result in higher interest charges.

The reputable providers explicitly warn consumers to be disciplined by paying their loans back on time. In addition, quite a few will not let you take another loan out until several days after your previous loan was paid off; they recognize that it isn't in the consumer's best financial interest to be overly dependent on this particular loan system.

Loan rates vary and some lenders will give you a lower rate if you pay your loan back early. Rates of $10-18 per $100. borrowed are the norm for the shortest term loans, but can rise significantly for longer terms. Consumers are advised to weigh their options carefully before making any loan commitment.

So, what did Roni do? She applied to a short term lender and borrowed $500. for 7 days. She was charged $15 per $100. borrowed which meant that she paid her lender back $575. once her loan was due. Roni calculated that she avoided steep late fee penalties and a lowered credit rating by securing a short term loan. Her creditors were satisfied and her credit rating was left in good standing.

Matt writes on a variety of business, health, and web management issues. His chief website is the Aviation Employment Board which gives members free access to all listed positions: http://www.aviationemploymentboard.com

MORE RESOURCES:

GM Plans Ad Campaign to Assure Buyers on Loans as GMAC Retreats - Bloomberg

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Fannie, Freddie Share Spotlight in Mortgage Mess - Wall Street Journal

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National Bankshares, Inc. Reports Increased Earnings for Third ... - MarketWatch

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Prop. 12 would renew farm, home loans for vets - San Francisco Chronicle

Report: Credit counselors steer clients clear of payday loans - Bizjournals.com

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Citigroup Curbs Foreign-Student Loans at Harvard, MIT (Update1) - Bloomberg

Porter Bancorp, Inc. Announces Continued Growth in Third Quarter ... - MarketWatch

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Help on loans, budgets, investments, more - MSNBC

Greenberg Urges Altering AIG Loans - Insurance Networking News

Bad loans drag down Chase in 3Q - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/9i-0fd=Rurl=http://www.timesonline.co.uk/tol/business/industry_sectors/banking_and_finance/article4945157.ececid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNG-CkINi9MJPg-bclBR7gobJRZTLQimg src=http://news.google.com/news?imgefp=9lWiFpyfOn0Jimgurl=business.timesonline.co.uk/multimedia/archive/00414/JP_414556a.jpg width=80 height=38 alt= border=1brfont size=-2Times Online/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.bizjournals.com/louisville/stories/2008/10/13/daily29.htmlcid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNG2ncEQDm5RcHriL6C-tsYYqteUlABad bloans/b drag down Chase in 3Q/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1The latest results include $1.2 billion in bloan/b loss reserves and a $581 million gain connected with its acquisition of Washington Mutual’s banking b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/15/AR2008101503332.htmlcid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNHYMEyBp8W5mSXgm4ksla4pCTCTagWaMu#39;s Failure Being Probed/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.timesgazette.com/main.asp%3FSectionID%3D1%26SubSectionID%3D1%26ArticleID%3D157960%26TM%3D34135.61cid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNEjXA6mR0tQzh1TjzQF2BVRlT6i0wWaMu can withdraw its offer/a font size=-1 color=#6f6f6fnobrHillsboro Times Gazette/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://business.theage.com.au/business/jpmorgan-profit-slumps-20081016-51pb.htmlcid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNGNkh4_4i9MnPUBOMxi68QOOWaczwJPMorgan profit slumps/a font size=-1 color=#6f6f6fnobrThe Age/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://money.cnn.com/2008/10/15/news/companies/jpmorgan_chase/%3Fpostversion%3D2008101509cid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNEL7SGCPfaaDWaaKQtL38fT1S2SGgnobrCNNMoney.com/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/9-5fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3Da9AiqSp_fTSQ%26refer%3Dnewscid=1258078993ei=fer2SMy6LYX6lQS48P2LCQusg=AFQjCNFuo7EXvvBM49RvEXBAdmFGEZ1KiAnobrBloomberg/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1258078993hl=ennobrall 413 news articles/nobr/a/font/div/font/td/tr/table

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