Compare the Cost of a Payday Loan to Other Options

In some situations, a payday loan is less expensive than other options, particularly in a cash emergency. As an initial matter, if you are in a cash emergency, we recommend that you at least fill out our loan application form to see what fees the lenders will charge you. Once you know how much the lender is going to charge you, you can make a more informed decision of whether the loan is too expensive. When you fill out a loan application at NextDayCheck.com, you are not obligated to take the loan. Do some window shopping, and figure out the best deal for your situation.

The process for applying for a fast cash advance using NextDayCheck.com is simple. Go to fill out (and safe and secure) payday loan application form. At the top of the form, there is a place for you to specify how much money you want. Fill out the rest of the form, and click "submit". In seconds, we will find the best lender for your situation, and will present you with the loan documents for your electronic signature. You can be approved in seconds, and have the comfort of knowing that the cash you need is on its way! When you are presented with the loan agreement, check the top part of the agreement. There will be an "APR" disclosure telling you how much the loan will cost, in terms of an Annual Percentage Rate (or "APR"). Even better, check out the "Fee" box that tells you how much the lender charges in total fees. If the price is too high, dont' take out the loan unless you are in a real financial emergency.

When you know the cost of a payday loan (e.g., after you have filled out our online form and received a quote from a lender), compare the cost to these options:

• If you don't take the loan, will you "bounce" a check? Be aware that most banks charge a returned check charge of over $25. You will also be charged a representment fee by the merchant where you bounced the check (these fees are usually over $25 as well). If you are going to bounce more than one check, the costs add up fast.
• Can you take an advance on your credit card? An average finance charge for a $300 advance is between $10 and $40, plus interest.
• If you don't get cash, will your utilities be shut off? The reconnect fee for utilities can be hundreds of dollars.