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WirePayToday.com #### Payday loans work pretty simply, actually. The steps to acquiring a payday loan are simply to fill out an application. Whether you have bad credit, good credit or no credit, payday loans are easy to secure if you have a job. A job is your ticket to getting a payday loan, as it shows you have the resources available to repay it.
Once you have been approved for the loan, you will be asked to read over some paperwork that outlines the terms of the loan. It is very important that you read the paperwork carefully so that you understand exactly what the terms are of your specific loan. General terms will cover repayment schedules and fees. There will be a section that covers the consequences for failing to repay the loan.
So, you decide to borrow a few hundred dollars, and have been approved. You may be asked to write a post dated check or give the lender approval to debit your checking account on the day that the loan is due. This way, you are taking care of repayment at the time that you accept the loan. The next thing to look at is the fee schedule.
For every one hundred dollars that you borrow, there is a fee that ranges from fifteen to thirty dollars. A five hundred dollar loan could cost you as much as one hundred fifty dollars to borrow for up to two weeks. If it is difficult for you to recover the five hundred plus the additional one hundred fifty to cover the fees, in such a short time, you may want to reconsider the payday loan.