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Even the most money-conscious people sometimes need help making ends meet until their next paycheck. With new expenses around every bend its no wonder so many people trust Payday Loans Teko to find them money in a hurry. Our Customers Turn to for:
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Payday loans on the fly

There are times when waiting for the next payday to get money is simply not an option. There are many potential situations and scenarios that may require an instant emergency source of income. For instance, a car accident could make going to and from work impossible, or you might be faced with unexpected medical bills or emergency home repairs. These are just some of the situations that might happen to anyone, anytime – and if you don’t have some cash lying around, lending money will be your only course of action.

However, most banks will force you to wait forever to get your loan application processed. Or what if you only need a couple of hundred – most banks will not agree to pay such a small sum, and if your credit score is low, they might refuse your application. These are just some of the reasons why payday lending industry was created. Payday loans are a great way to get some quick cash right when you need it the most, regardless of your previous credit history. 

In the early days of payday loan industry, the customer (also known as borrower) would usually write out a check in the lenders name, dating it to the next payday date. The amount of the check would be the amount of loan, plus the interest. At the end of the loan term – which is anywhere from a few days to a month, with two weeks being the average – the lender would simply deposit the check, getting the amount borrowed and the interest back.

This is how payday loans have worked in the past – but what has changed in the recent years? The internet has revolutionized many industries, and the payday loan industry is not an exception. With the advances in the online banking and financial service industry, the payday loans have become faster, easier and more convenient than ever. Some payday loan lenders don’t even require you to get to their site – you can just send a text message to their number, and get your loan approved instantly.

Almost all payday loan providers don’t require the users to go through credit checks. Some of the fastest lenders don’t even ask for your proof of income – all it takes to get the loan approved is that you have a job and an active checking account. Your payday loan application should include your full name, address, email, phone numbers (landline and cell), email, date of birth, as well as driver’s license and social security numbers. You need to specify the requested amount (usually between $750 and $1000) and your income source (this can be a salary, pension or benefits). You should also specify whether you are receiving your paychecks directly on your checking account or via paper checks, the dates of your last and next payday, and the average paycheck amount. The online application should not take more than ten minutes to fill out and submit, and you will be notified if it’s been accepted or not within minutes.

How payday loans really work

Each year, more and more people are finding it hard to make ends meet. If you ever find yourself in dire need of cash between two paychecks – maybe you have some unexpected bills to pay, or your car needs fixing – payday loans can help you to fix [...] Continue Reading…

Payday loan alternatives and varieties

Alternatives to payday loans

Payday loans are one of the best known and most widely used forms of short term, small amount loans today. Consumers interested in payday loans have other options in addition to payday loans, although these are often more expensive and less convenient. Some of the more [...] Continue Reading…

Why payday loans are a good thing

A recent study published by the Financial Research Center FDIC found that the operating costs of payday loans are not out of line when compared with the size of advance fees. Additionally, the study concluded that when taking the high rate of default losses (between 10% and 20%, costing [...] Continue Reading…

Basics of payday loans

The so called payday loan (or payday advance as it’s also known as) is a specific type of a financial service. It differs from “regular” loans in a few ways: it’s a short-term, relatively small loan that’s usually secured against the customer’s next pay check, pension or social security [...] Continue Reading…

How to use payday loans smartly

Payday loans are an excellent opportunity to get hold of some money very quickly and the best thing about it is that this kind of loan is quite easy to get and you don’t have to go through a lot in order to get it. However, when it comes [...] Continue Reading…

New way to get payday loans – online

Up until very recently, there was only one way in which you could take out payday loans. You drive to the closest brick and mortar payday loan place and there you apply for a loan. If you live in a bigger city, this was quite okay as you had [...] Continue Reading…

Payday loans – an introduction

The title of this article tells you pretty much the entire story. It is an introduction to payday loans, the loans that are much talked about and debated, that are often misrepresented as something bad and that are becoming more and more popular and needed in these dire times [...] Continue Reading…