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Same day payday loans offer a welcome alternative to unarranged overdraft fees

When you suddenly have to cover unanticipated expenses, same day payday loans offer an alternative to having to go into an unarranged overdraft.

Many of us at some point underestimate spending within a month, or come across unexpected expenses that need paying before payday, and are then subject to the fees our bank imposes on us if more money comes out of our account than is available within our arranged overdraft limit.

Some banks not only apply a one-off fee but charge a daily fee or interest for each day the account remains in unarranged overdraft. These fees are imposed at a time when we are ill-equipped to top up our account with the funds needed to bring the balance out of unarranged overdraft, let alone pay the additional fees due.

Payday loans act like an advance on your salary to give you a funds boost when you need it most. In this way, a same day payday loan offers a solution when emergency cash is needed and helps bridge the gap between when funds are needed and payday.

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It must be stressed that a same day cash loan must only be used as it is designed to be used; for short-term credit needs when the borrower will be able to repay the loan come payday. Same day payday loans must not be used for debt problems or long term credit needs. A same day payday loan would be very expensive if used for longer term borrowing and are not suitable if you are in financial difficulty.

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Same day payday loans are appealing in situations where emergency funds are needed, as they could be in your bank account on the same day, particularly if you use online payday advance loans

Like with most forms of credit, same day payday loans come with an interest fee. When considering a same day payday loan, you should assess whether you can make the repayment including the interest applied.

If you need some extra month end money without hassle, and will be able to pay back the same day cash loan with the interest applied on payday, this form of short-term finance can offer an affordable alternative choice to having to endure unarranged overdraft fees.

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*Payday loans are repayable on your next payday. All loans subject to credit and affordability checks.


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