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Learn what is a payday advance, how to get an advance money using payday advance and get an early paycheck.

Payday loans or a payday advance (you may know it by different name as it is also called a salary loan, money advance, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as cash advances. Payday advance loans rely on the consumer having previous payroll and employment records.
To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate.
There are many different ways to calculate annual percentage rate of a payday loan. Depending on which method is used, the rate calculated may differ dramatically
Although some have noted that these loans appear to carry substantial risk to the lender, it has been shown that these loans carry no more long term risk for the lender than other forms of credit. These studies seem to be confirmed by the United States Securities and Exchange Commission filings of at least one lender, who notes a charge-off rate of 3.2%

💸 Payday loans process - The basic loan process involves a lender providing a short-term unsecured loan to be repaid on the borrower's next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks. Individual companies and franchises have their own underwriting criteria.

💸 Reasons for using payday advance loan - There are five groups that have higher odds of having used payday loans: those without a four-year college degree; home renters; African Americans; those earning below $40,000 annually; and those who are separated or divorced." Most borrowers use payday loans to cover ordinary living expenses over the course of months, not unexpected emergencies over the course of weeks. The average borrower is indebted about five months of the year.
 
💸 Payday loans Criticism: Draining money from low-income communities, Advertising practices, Unauthorized clone firms, Aggressive collection practices, Pricing structure of payday loans and more.

💸 Payday advance in specific countries – US, Australia, Canada, UK all have in depth guide

💸 Alternatives to payday loans - Other options are available to most payday loan customers. These include pawnbrokers, credit union loans with lower interest and more stringent terms which take longer to gain approval, employee access to earned but unpaid wages, credit payment plans, paycheck cash advances from employers ("advance on salary"), auto pawn loans, bank overdraft protection, cash advances from credit cards, emergency community assistance plans, small consumer loans, installment loans and direct loans from family or friends. 

💸 Comparisons payday lenders make - Payday lenders do not compare their interest rates to those of mainstream lenders. Instead, they compare their fees to the overdraft, late payment, penalty fees and other fees that will be incurred if the customer is unable to secure any credit whatsoever.

💸 Variations on payday lending - A minority of mainstream banks and TxtLoan companies lending short-term credit over mobile phone text messaging offer virtual credit advances for customers whose paychecks or other funds are deposited electronically into their accounts.

Want to get an early paycheck and get money advance?
Download now and learn today about payday advance and payday loans!
了解什么是发薪日预付款，如何使用发薪日预付款获得预付款并获得早期薪水。

发薪日贷款或发薪日预付款（您可能用不同的名称知道，因为它也称为工资贷款，预付款，工资贷款，小额贷款，短期贷款或现金预付贷款）是一种小的短期无担保贷款，“无论偿还贷款是否与借款人的发薪日有关。”这些贷款有时也被称为现金垫款。发薪日预付贷款依赖于具有先前工资单和就业记录的消费者。
为了防止高利贷（不合理和过高的利率），一些司法管辖区限制年度百分比率。
有很多不同的方法可以计算发薪日贷款的年度百分比率。根据使用的方法，计算的速率可能会有很大差异
虽然有些人注意到这些贷款似乎给贷方带来了很大的风险，但已经证明，这些贷款对贷方的长期风险不会超过其他形式的贷款。这些研究似乎得到了美国证券交易委员会至少一家贷方的文件证实，该公司注意到3.2％的撇帐率

💸发薪日贷款流程 - 基本贷款流程涉及贷款人提供短期无抵押贷款，以便在借款人的下一个发薪日偿还。通常情况下，涉及就业或收入的一些验证（通过工资单和银行对账单），尽管根据一个消息来源，一些发薪日贷款人不会核实收入或进行信用检查。个别公司和特许经营有自己的承保标准。

💸使用发薪日预付贷款的原因 - 有五组使用发薪日贷款的几率较高：没有四年大学学位的人;房屋租户;非洲裔美国人;每年收入低于40,000美元的人;那些分居或离婚的人。“大多数借款人在几个月内使用发薪日贷款来支付普通生活费用，而不是在几周内发生意外紧急情况。平均借款人在一年中的五个月内负债累累。

💸发薪日贷款批评：从低收入社区筹集资金，广告实践，未经授权的克隆公司，积极的收款实践，发薪日贷款的定价结构等。

💸特定国家的发薪日预付款 - 美国，澳大利亚，加拿大，英国都有深度指南

💸发薪日贷款的替代方案 - 大多数发薪日贷款客户可以使用其他选项。其中包括当铺经纪人，利息较低的信贷联盟贷款和更严格的条款，需要更长的时间才能获得批准，员工可以获得所得但未支付的工资，信用支付计划，雇主支付现金预付款（“工资预付款”），汽车典当贷款，银行透支保护，信用卡预付现金，紧急社区援助计划，小额消费贷款，分期贷款和家人或朋友的直接贷款。

💸比较发薪日贷款人 - 发薪日贷款人不会将他们的利率与主流贷款人的利率进行比较。相反，他们将其费用与透支，延迟付款，罚款和其他费用进行比较，如果客户无法获得任何信用，将会产生这些费用。

💸发薪日贷款的变化 - 少数主流银行和TxtLoan公司通过手机短信提供短期信贷，为其薪资或其他资金以电子方式存入其账户的客户提供虚拟信贷预付款。

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Payday advance - Payday loans guide early paycheck

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