Facing a cash crisis after Christmas? Is a payday loan the solution for your money problems?

21 January 2014 - Which Way To Pay

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How to tackle your Christmas overspending is a payday loan my only option?

Has the realisation of your Christmas money crisis finally sank in? Are you concerned that you will not be able to get yourself out of debt until next Christmas? Payday loans could provide you with a cheap alternative to those interest charges or access to credit if used correctly, however, is it your only and best option?

It is not normally advisable to borrow over a short period of time as the interest rates are so high. Because the interest loans are so high on payday loans, people understandably shy away from them. However, if you are sure you will be able to repay the loan, you could use a payday loan to your advantage.

What are my other options? Payday loan? Credit card balance transfer?

If you have done your research properly and you have no viable alternatives you should certainly consider a payday loan. But have you considered all your options? See if you can find a different credit card provider where you can do an interest free balance transfer. Alternatively, review your mortgage and see if you could remortgage your property.

How do I know which is right for me?

Always do your research carefully so that you know that you are choosing the right solution for you. There are many providers for financial products in the market so it is essential that you are comfortable with the provider you choose. If you are in any doubt then you should seek independent financial advice.

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