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This is the Government of Canada Website that gives you definitions, answers your questions, and discusses what Payday Loans are, and what your other options are if you are in a tight spot and need funds right away.
I decided to use the Government of Canada website as a way to define what Payday Loans are because I believe this website really discusses how dangerous payday loans can be for your financial history, and how easy it is to get into that Payday Loan loop of constant borrowing because they can never pay their loans back.

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personal finance; credit; regulations; consumer protection; loans; debt; interest rates; debtors; borrowers

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How payday loans work, how much they cost in fees and interest. What to ask a payday lender and payday loan laws in your province or territory.

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1.  What did you learn about Payday Loans that surprised you the most?

One thing that I learned the most was that I did not know so many Payday Loan companies were telling the customers the wrong information in order to trick them into getting a loan. In the video I posted under "Cons: High Interest Rates" the undercover investigator proves how many Payday Loan employees were telling them the incorrect interest rates to make the loans sound better. Not only is this absolutely illegal, but this job morally is questionable let alone flat out lying to your customers just so you can make your monthly quota is disgusting.

2. Provide a real-life example of how this topic is relevant or interesting to you
I have mentioned it a few times, but this topic is relevant to me because I use to work for the biggest and most well known Payday Loan company, so I thought it would be interesting to give my perspective on the topic as well as learn about past customers experiences was interesting!

3. If you could pass on your knowledge to a family or friend, what do you think is the most important thing to pass out?
From my past experience and knowledge, the most important thing I can say is to not do it. I've personally seen family be destroyed, Marriages end, and homelessness just from customers borrowing money from Payday Loan companies. When I say it can destroy lives, I mean it and i've seen it all first hand.

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Website 2: Should You Get An Installment Loan from a Payday Loan Company?

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Website 2: Should You Get An Installment Loan from a Payday Loan Company?

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This is a great website that explains how Installment Loans can increase your credit score. You maybe wondering why I'm mentioning this when my page is about Payday Loans; well the majority of Payday Loan companies in Canada also offer Installment Loans of upwards to $39,000 depending on the company.

My take on this from someone who has signed up and sold Installment Loans to customers is that it's almost never a good idea. I would say 99% of customers who I found took out Installment Loans at an interest rate of 46.9% used this money for materialistic things that they did NOT need. As a Payday Loan employee I had to encourage and try to sell the Installment Loans to every single customer that walked through the door. You might be wondering, why? Well, employees are forced to sell the installment loans because they make nearly 4x the amount of money in interest alone than they do selling Payday Loans. With Payday Loans being 15% interest per loan, installment loans make up a whopping 46.9% interest.

So when I discuss Installment Loans with the customers and they hear they are automatically approved for up too $5000 without a credit check they usually get it because they just see the dollar signs, they don't see that they'll be paying almost another $5000 in interest.

However, 1one good thing that can come out of an Installment Loan from a Payday Loan company is that it does help increase your credit. I had a lot of customers who would only take $1000 installment loan as a way to either build their credit score, or they recently just got out of a bankruptcy or have poor payment history and want to increase their credit. Because banks, credit unions etc have all denied them, sometimes getting the minimum amount you can for an Installment Loan just to have some positive form of good payment history is one way of regaining your credit score back.

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Can an Installment Loan Help Improve Your Credit Score?

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Installment loans can help improve your credit score by adding on-time payment history to your credit report and broadening your credit mix.

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Website 3: Proceed with Payday Loans With Caution

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Website 3: Proceed with Payday Loans With Caution

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This website discusses more of the pros and cons of Payday Loan lending such as quick cash, interest rates, financial struggles etc.
I chose this website because I think it is a great site that gives an unbiased opinion of what Payday Loans are, when and if you should use them and to proceed with caution because a lot of Payday Loan companies often have a lot of hidden fees that the customer is unaware and legally the employee does not have to disclose.

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Not everyone has the credit or meet the criteria necessary for personal or traditional loans when an emergency strikes and the need for cash arises. If you are someone without less than good credit and need money in a pinch, payday loans are an option that is available. Sometimes you only need enough cash to get you through until your next paycheck. If you have found or are finding yourself in this situation, you may be considering a payday loan. What ever the reason you need the loan, before you do anything, you should understand the pros and cons of payday loans.

Payday loans are small cash loans that are provided by short term loan lenders. Like any financial option, there are pros and cons of payday loans. They are advertised as fast payday loans that are quick and convenient in these situations.

These lenders are often located online and charge rates that are unconventionally high compare to traditional loan options. If you believe you may need to take on a payday loan, consider the pros and cons of payday loans first.

Pros Of Payday Loans

There are advantages to taking out small cash loans or fast payday loans through short term loan lenders. These advantages stand against traditional loan options and will win every time because they adapt to the growing need for immediacy and convenience that is developing in today's society. For the majority of the population that lives paycheck to paycheck, these advantages are enough to have customers hearing out the loan terms and agreeing to them. Below are the advantages that customers are seeking out when applying for payday loans.

1. Quick Cash

With these payday loans, getting cash quickly is a feature that payday loans have over its traditional competitors, that require an application and then later a check to submit to your bank account. Both the approval process and the cash may deliver in less than 24 hours for some applicants. This is because the cash is directly deposited into your bank account if the information is provided. If you are seeking an emergency and need instant cash for a bill or just to get through to your next paycheck, this is a pro to consider for payday loans.

2. Relatively Easy Approval Terms

Getting approved for a payday loan is not as hard or time-consuming as it is for a traditional loan. In fact, most applicants are quickly and easily approved for the loan. This is a leading advantage for small cash loans and fast payday loans that are offered by short term loan lenders. Some of these short term loan lenders will peek at your credit with a soft pull over the credit. What this means is that a hard inquiry is not pulled to negatively impact your credit score. What these lenders are often seeking are things like verifying income.

Pay stubs and proof of employment are more critical to the approval of your application than your credit score. Almost anyone with a steady job can apply for a payday loan, after simply answering a handful of questions. These loan applications are also much more general than traditional options, leaving room for the customer to be as private as they need to be regarding their loan.

3. You Can Find A Lender Online

Have you been looking for one of these short term loan lenders? These lenders are readily available in the palm of your hands. A quick online lender search will prompt you to a variety of options for small cash loans and fast payday loans. While there are several pros and cons of payday loans, online lender access makes this option a real convenience for those who need cash fast.

Some customers enjoy the privacy of the internet lenders that only ask minimal questions, review your income, and deposit cash into your account shortly after you have digitally signed your contract. In an emergency that cannot wait or may arrive after the business hours of a physical location, online short term loan lenders make this process an attractive one for those in a desperate situation.

Cons of Payday Loans

Like all good finance options, there are concerning features that balance out those attractive advantages. As accessible as something like a payday loan is, it can be something that is too good to be true. Because of the customers that these short term loan lenders attract, the disadvantages can be further damaging to these customers and their financial states.

1. High-Interest Rates and Additional Fees

Of all the pros and cons of payday loans, the fees and rates of these small cash loans and fast payday loans are much higher than traditional loan rates. Some customers find themselves with interest rate at fifty percent of the loan, or even one hundred percent. By the time the loan is repaid, the amount borrowed and the interest is a total of twice the original loan or more. Because these rates are so elevated, customers find themselves unable to make the total payment when the next check comes, furthering their debt and burdening themselves financially.

In addition to the outstanding high-interest rates for these loans, there are additional fees that accumulate. For example, some of these short term loan lenders will add a fee for customers who attempt to pay their loan off early to eliminate some of the interest. When the payday loan is contracted, they expect the payment based upon when someone is paid and not earlier in order to collect the interest that will be accrued. When these customers attempt to pay these loans back earlier, these lenders lose out on the expected interest, forcing a fee in an attempt to collect some of that interest loss.

If the payday loan is unable to be paid in full with the next check, and the balance must roll over, the customer can expect yet another fee that is similar to a late fee, charging them more interest essentially on the payday loan. This can be burdensome for a family and prevent them from being able to get ahead with a loan.

2. Short Repayment Terms

Payday loans are not meant to extend more than fourteen days. When a payday loan is contracted, the customer is expected to repay the total amount with the next paycheck. When a customer is desperate for that emergency loan, these terms seem to be doable at the moment, however, many of these customers find themselves at a disadvantage. Because the majority of the next check is required to pay the balance owed on the payday loan, many of these customers pay the balance owed on the payday loan, but then take out another loan and repeat the process.

This happens because they are unable to pay the loan balance to the payday company, pay other bill responsibilities, and have enough money for essentials before the next paycheck. Many customers find these repayment terms to be devastating to their finances and can be more of a burden than the need that caused the initial application for the loan.

3. Collection Practices

Sometimes customers find themselves unable to make their payday loan payments and pay their bills. They sacrifice their payment to the payday loan company with the hopes of making the payment later. If these customers do not swiftly make these payments to these short term loan lenders, they will find their debt sold to a collection agency. Once a collection agency gets your debt, you can expect they will contact you often for payment via phone and mail.

Should the debt continue to linger, these collection agencies may be able to garnish your wages from your paychecks until your unpaid debt is accumulated. You can determine from the individuals state regulations. If they are unable to collect your unpaid debt, the potential for a lawsuit is there in an attempt to take you to court for the remaining balance and all fees associated. The pros and cons of payday loans are something to heavily consider before putting in an application.

How Do Payday Loans Affect Your Credit

The effect that payday loans have your credit score all depends on the management of the loan and your personal responsibility. Consider this when determining the pros and cons of payday loans. When applying for small cash loans, if the short term loan lenders that you are applying through decide to make a hard inquiry on your report, then that will be reflected. Depending on how many existing hard inquiries are on your report will determine if this affects it negatively.

If you are responsible with your payments and pay on time, there is no effect on your credit score. Even if you find yourself needing to renew the loan repeatedly, your credit score will not suffer.

Here is where there are changes.

If you find yourself overwhelmed with payments and unable to make the agreed upon payment to the lender, then you will be docked as a missed payment. This comment on your credit report from the lender will negatively impact your score and your payment history portion of your credit report.

One step further is the submission of your unpaid debt to a collection agency. Upon receiving your debt from the lender, the collection agency has the authority to upload your debt to the national credit bureaus. Once you upload the information, you can expect it to negatively impact your credit score, and do so for up to seven years. Once it is on your report, it is there for this time frame, having a negative impact whether you pay the debt or not.

What are the Best Payday Loans

Like any other financial option, there are some short term loan lenders that are seeking out the most disadvantaged of customers for their chance to obtain as much in interest and fees as they can. Many of these companies desire for their customers to repeat loans in order for them to continue generating interest over time, taking advantage of customers who have no other option and are in need of financial assistance.

This is why it is essential to weigh the pros and cons of payday loans before applying to a lender and agreeing to terms. As a customer and the one in charge of your personal finances, you need to ensure that you are making the best choice with the options that you have been provided for small cash loans and fast payday loans.

Determine the safety of the lender

When seeking out the best payday loans, determine the safety and security of the lender. Those that want to really assist you in one of your most vulnerable financial times will provide you with security for your information and applying ability. If there is no "https" on the web address for the lender, then they are not acting securely. At that time it is in your best interest to venture to other options and continue weighing the pros and cons of payday loans.

Continue down the list

After you have determined the quality of their security continue down the list of advantages to determine things such as their convenience, approval terms, and the turn around time on receiving your cash. The best payday loan lenders will have a secure website that is convenient, accessible, easy application, and will provide cash in 24 hours or less for your convenience.

You can do all that here on Cashry. Shopping for a loan has never been easier. Of course, you always need to read the fine print, but our partner Fiona brings you only credible lenders. To connect with them and get offers, start here:

Avoid the Debt Cycle

If you believe that a payday loan, despite weighing the pros and cons of payday loans will add to your financial debt, then there are ways to avoid applying for fast payday loans. Even when looking for a payday loan with low income, there are options available to assist customers so that they do not have to expose themselves to this type of debt.

Contact Your Creditors

If your debt to creditors is building up and you find yourself struggling to make monthly minimum payments, reach out to your creditors to see if you have another option. In many cases, these creditors are willing to negotiate terms with you because they desire to have their debt paid in full and not send it to a collections' agency. Be sincere and make them aware of the financial situation that you are in. More times than not, these creditors are willing to work with you.

Ask For An Advance

If you need some funds to get you through until payday and you cannot afford the additional interest rates that come with a payday loan, reach out to your employer for an advance. Some employers work with their employees to help them out. It gives you the cash you need like a payday loan, but without the interest. In the worst case scenario, all they can do is tell you no.

Tap Into Savings

If you are making payments into a 401K with your employer, you may be able to access some of those funds to assist with the emergency that you need to take care of. Before you access these funds, determine if there are any penalties and what they are. If it is minimal and worth the penalty, then take advantage of an option that you otherwise might not have had.

Ask A Friend

If you have a friend or family member that you know is financially stable and you are comfortable reaching out to that person, inquire about a personal loan with them. Even when weighing the pros and cons of payday loans, the minimal interest that a friend will charge beats applying for a payday loan.

What are some alternatives to payday loans?

After considering the pros and cons of payday loans, maybe you are wondering what other loan options for bad credit are out there as alternatives in financial institutions.

Credit Union Loans

If you have an account at your local credit union, personal loans through these lenders are often the most affordable options. Their interest rates are low for their union members, and their goal is to assist their members with the best financial resources available.

Online Personal Loan Lenders

If you are looking for something like a personal loan with a longer repayment term than a payday loan, there are online lenders available just link online payday lenders. These lenders will review your credit report more heavily and will require proof of income before agreeing to a loan.

Get A Co-Signer

If your credit is fair or less, then you may consider getting someone with good credit to assist you at your local bank as a co-signer. This individual will carry responsibility for your debt should you decide not to make payments. Their signature, however, gives you access to much lower rates than a payday loan option.

Conclusion

Before you complete a loan request, consider the pros and cons of payday loans. You should thoroughly evaluate your financial situation before accepting a loan that could potentially burden your debt further. If you find that you need some financial assistance, but you are not comfortable with a payday loan, opt for another option that will help you with your situation and not bury you under your finances. In the end, all factors to consider are:

When do you need the money?

Can you afford the loan?

Which lender should you consider?

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Pros and Cons of Payday Loans: Proceed Carefully - Cashry

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Not everyone has the credit or meet the criteria necessary for personal or traditional loans when an emergency strikes and the need for cash arises. If you are someone without less than good credit and need money in a pinch, payday loans are an option that is available.

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I believe this topic is extremely important to read if someone is considering getting Payday Loans. The author writes about how the majority of those who use Payday Loans inevitably end up in a "Payday Loan Loop/Hole" where it takes them YEARS to finally get out of the Payday Loan cycle.
I chose this website because I cannot count how many times I have seen new customers come in and only need $100 and then they keep coming back, except they start to borrow more and more and more money until they start loaning 50% of their paycheques (50% of your gross pay is the maximum amount a Payday Loan company can approve you for a bi-weekly Payday Loan). As a reader, you might be thinking "why would anyone borrow up too 50% of your pay? That's crazy!". Although you maybe correct, but Payday Loan companies are very good at selling you more money and can word it so increasing your loan is "not really a big deal". For example, a Payday Loan employee will sell an extra $100 on your Payday Loan by saying "I know that you only get $100 Payday Loans, are you sure you don't want $200 this time? To borrow an extra $100 you'll only paying $15 more than you are now! That's it, I think that feasible right? That's literally the same price as like a meal at McDonalds!" And this is how easy it is to get into the famous Payday Loan Hole. It's easy to get into it but harder to get out.

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A payday loan is a short-term loan that is intended to be paid off with your next paycheck. Payday loans are often used by people who are short of cash to pay for emergency expenses. They are prohibited in many states because they are considered predatory loans that charge unreasonably high interest rates and fees, which make them very hard to pay off. Because they're so hard to pay off, they can trap people in a cycle of debt for years. How can you avoid these loans when you really need the cash now? Keep reading.
Consider this scenario...
Imagine you're at home, worrying because you hear a big storm is coming and you haven't been able to put snow tires on the family car. You may have to commute far for work or school and may not have other options such as public transportation available to get you where you need to be. What do you do? Unable to sleep, you channel surf the late-night television shows and an ad catches your eye. "Need money fast? Have a dependable income and a bank account?" You nod your head yes and listen intently, realizing you can get a deposit made into your account in as little as 24 hours. Problem solved!

You apply online (or call their handy 1-800 number) and the money is deposited into your account as promised. The next day you get the tires on and you are ready for winter. But wait...of course there is a catch. The next time you get paid, you are supposed to pay the entire amount plus interest and fees, which can be as high as 400%. Now you have a new issue-if you pay the entire amount back at one time, you won't have enough money left over to pay your "regular" bills.

NEED CASH NOW?

Our Payday Loan Alternative offers a fair rate.

You have a couple of choices at this point-pay the whole thing off, be short on your bill payments and wait for that fallout or take out another loan. The company is happy to assist you with another loan because it means more fees for them. It has been reported that 70% of the people who take out one payday loan, take out a second one. And that 20% take out 10 pay day loans, one after another-all because of the original debt. The borrower can end up paying more in fees than the original loan amount, and still have the loan amount due! Many folks realize they are just kicking the problem down the road, but desperate situations require desperate measures (or so they think).
Better measures for desperate situations
If you find yourself in a situation like the one described above, remember that many of your local credit unions and banks specialize in small loans for emergency needs like tires. And even if your credit isn't the greatest (I mean, who hasn't struggled?), oftentimes there are alternatives to a payday loan that are designed to accomplish the same thing-small loans that are quick but don't come with the ridiculously high fees and interest and too-short repayment terms.
Build your savings
Like they say, an ounce of prevention is worth a pound of cure. The best defense against the harmful effects of a payday loan is to never take one out to begin with. Instead, build up your savings. Even a small amount of savings can give you some financial freedom. Be sure to put money away for yourself before you pay all other bills. If you wait until all your bills are paid before you put money into savings, you may find you never have anything to put away.
Control your credit card use
Credit cards can also get you into trouble. If you have a credit card, be sure not to max out the credit line. Only charge things that will last longer than it takes to pay them off. That means: don't charge a night out to dinner, but charge those snow tires. The repayment fees and terms on most credit cards are better than those of a payday loan.
Ask your creditors for a break
If you do find yourself in a financial pinch that has you considering a payday loan, talk to your utilities and creditors first. Many times, you can put your electric and heat on a budget plan to help create cash flow and maybe the lender holding your car loan will let you skip a month so you can get tires.
Change your financial situation
When you find that you regularly don't have enough money to pay everyday expenses like rent and groceries, you have to change your financial situation. That means bringing in more money or cutting expenses. You can bring in more money by working a side job (or two) or selling items that you have collected through the years and using the proceeds to pay off debts that have a monthly payment. If that is not an option, then cutting expenses is another choice. Create a budget, cook your own meals, pack lunch for work or school, stop buying the daily coffee, etc.
Speak to a debt counselor
One final consideration is to speak with a reputable debt counselor for help. Remember, this debt won't last forever. It's just your situation now. Once you gain control of your finances and build a healthy emergency savings you can splurge on some of the things you want. You'll just do it more responsibly.

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A payday loan is a short-term loan that is intended to be paid off with your next paycheck. Payday loans are often used by people who are short of cash to pay for emergency expenses. They are prohibited in many states because they are considered predatory loans that charge unreasonably high interest rates and fees, which make them very hard to pay off.

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In my personal opinion: While working with a Payday Loan company our biggest customers we made the most money from was not from those who lost their jobs, who were on Government assistance like ODSP. No, our biggest and most likely customers to return were often customers who had professions working as Nurses, Police Officers, Firefighters and OPG workers. The majority of them did not NEED Payday Loans as they all made very good money but they took out massive Payday Loans or Installment Loans to help fund their lavish lifestyles and to make it look like they have more money than they actually have by taking out $20,000 installment loans to buy a fancy boat, or big trucks, nice dinners etc.

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Image 2: Are Payday Loan Companies Loan Sharks?

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Image 2: Are Payday Loan Companies Loan Sharks?

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At some point i'm sure you've heard the term "Loan Shark" and then [insert Payday Loan company] right after. It doesn't matter what Payday Loan company you add at the end of Loan Shark, because they're all the same.
In reality, Payday Loan companies make their money by exploiting peoples hard times, or that they should just get the $10,000 installment loan to buy a new car or taking advantage that they are in a vulnerable position and feel like they have no other options to financially help them out.
If Payday Loan Companies were really there for the customer, they would not be charging 15% interest per Payday Loan (60% per month if you're paid weekly!) or charge 46.9% interest on Installment Loans where the company knows they will never recover and will have to keep digging themselves into a hole just to be able to financially pay off all the interest the Payday Loan Company makes.
So as someone who has worked in the Payday Loan world, yes Payday Loan companies are absolutely Loan Sharks, and will always prey and the vulnerable.

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This video discusses how Payday Loan companies will constantly call, harass, and even threaten customers if they have defaulted on their loans, even if it is just by 1 day.
I chose this video because from experience not only are Payday Loan vendors allowed to call you up too 3x a day but we also will call you 3x a day 3 days before your loan is due to verify that you will be in. If you do not pick up the phone days prior to when your loan is due, we had to keep calling the customer until they answered the phone. As an employee I found to absolutely be harassment and there was nothing the employee could do because Management would look at our call records everyday to make sure that we were calling them 3x during our shift. This type of harassment should not be legal in Canada.

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Woman Says Payday Loan Caller Keeps Harassing Her

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This is a great example of how Payday Loans can sometimes help you out in a pinch. One positive side to Payday Loans is that they are good if you are in a bind. For example, say your car breaks down and you need a quick $200 to get the car part to fix it and don't want to take out a bank loan. The interest rate for a bi-weekly payday loan is 15% per $100. So in 2 weeks you would pay the Payday Loan company back $230 on your next paycheque. So Payday Loans can be beneficial if used for quick emergencies. I chose this website because in my past as a Payday Loan employee, I would see a lot of first time customers come in and would get a Payday Loan in examples such as broken vehicles, they needed emergency dental work, they had to buy diapers for their baby, someone needing a few hundred so they can buy groceries until they get their paycheques at the end of the month. Payday Loans can sometimes help you, when banks don't take a second look at you.

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Should You Get a Payday Loan? (Pros and Cons)

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My name is Candice Marsh. I chose to discuss the pro's and con's of Payday Loans as I worked as a Payday Loan employee with varies companies for over 5 years in hopes to gain enough financial experience to be hired at a bank.

I wanted to do this topic because there are not a lot of website/sites where customers/future Payday Loan customers can get the opinions from someone who was in the field, and knows all the good, bad, and ugly parts of loaning with Payday Loan Companies.

I hope this webpage helps define what payday loans are, what the interest rates you are expected to pay, when paydays loans can be useful vs when they can be dangerous. I have also added website that can also guide you in the right financial direction so you can steer clear of Payday Loans.

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This video touches a lot on how the interest rates for Payday Loans and their Installment Loans add up the more money that you borrow. With Payday Loans being 15% interest per $100. Installment Loans are up to 46.9% and can borrow up to $39,000 for a 5 year term.
I chose this video because it is a good example of how PayDay Loan companies can easily take advantage of those who are in tough situations. The terrible part of the PayDay Loan world is that they are not looking out for there customers, because if they were they would not be charging upwards of 46.9% APR (Annual Percentage Rate) on a loan to those who may have lost their jobs, who have to cover possible funeral expenses and have no where else to go. From experience, I strongly believe a massive con to Payday Loans is that they prey on the vulnerable.

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The truth about high-interest loans: Hidden camera investigation (Marketplace)

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Video 2: Payday Loans can help you out with a new job

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Video 2: Payday Loans can help you out with a new job

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This video is another great example of how Payday Loans can be a positive transaction. In this video, the speaker mentions how her customers would sometimes get Payday Loans if they just started a new job and needed a few hundred dollars for supplies before they started their first day. This could be a good idea if the customer has poor credit and would not get approved for a bank loan, and in order to start their first day,  they need those supplies, so a Payday Loan would help them get their new career started.
I chose this video because it gave great insight to why customers choose Payday Loans over banks. Sometimes it's easier, quick cash, no hassle, and there's no credit checks for a Payday Loan

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How Payday Lenders & Check Cashers Help the Poor