The key when in need of cash up front is to take advantage of 0% APR on credit cards and overdrafts. Payday loans tend to be high interest, so often you’ll be paying much more than you’ve actually borrowed, which is not the way to go.
What I’d recommend is checking out Credit Card deals, where companies have 0% APR on new purchases and transfers which allows you to have cash up front without having to repay lots and lots. This is good so you pay back no more than what you have borrowed as long as you keep within the time schedule and purchasing limits.
The same goes for interest free overdrafts. It means that you can take money out from the bank and repay the same value to the bank without paying heaps of interest.
Avoid a payday loan unless you really need the money, as there are many other more sensible ways to go such as overdrafts and credit cards. Otherwise, you’d be in bigger financial trouble than if you hadn’t have paid your bills on time.
Tags: credit cards, loans
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