Need a 300 dollar payday loan? We may be able to help you get your money. Take a minute and get your fast and free offer now.
Fast Loan Offers
It takes just a matter of minutes to get an offer. If you need some money desperately and are familiar with payday loans, just fill out the form above. If you want to learn more about payday loans, just keep reading.
What Are Payday Loans?
A payday loan is just what the name suggests, a loan that you pay back on your payday. Another name for it would be a 300 dollar cash advance, the two names are synonymous. What happens is you borrow a small amount of money and then pay it back in 10 to 14 days when you get paid again.
Since these loans are very short, they are also very small dollar loans. Most loans are for less than 700 dollars. Any amount larger than that would be very hard to pay back in one lump sum, especially with fees.
Now, for the fees. With most payday loans, your lender will charge you a set amount per hundred dollars borrowed. The fees will range from lender to lender, but an example might be $20 per hundred borrowed. So, in your case if you get a 300 dollar payday loan, you would have to pay back 360 dollars. Again, your loan ee could differ.
Terms of payday loans are very short, with most loans being for 10 to 14 days. Because of the short term, the APR of these loans is usually over 400 percent. That has given payday loans a bad rap and many states have even banned them. If you need $300 in a hurry though, it is one of the fastest ways to get it.
Getting Your Loan Offer
It is incredibly easy to get an offer and you can usually complete the process online. Here is how it will go down if you decide to continue.
First, you will fill out the quote form at the top of the page. Enter in how much you want, in your case you want $300, and then enter some basic info on yourself. You will also enter your banking information because that is how lenders get you the money.
Once you are done, submit your quote and get your answer. If approved, one lender will make you a $300 loan offer. If you like that offer, you can accept it online and get your cash as soon as the next business day. Pretty easy isn’t it.
Making Your Loan Decision
Once you have your offer on the screen in front of you, there is some thinking to do. Now you have to decide whether to take the loan. This is a $300 payday loan after all, so you need to be sure that you do not have a better options. It is a fast loan, but the fees are no joke.
Take a look at some other possible ways to get money that would allow you to avoid a 300 dollar payday loan.
Cutting Other Expenses
$300 is a lot to come up with, but you might just be able to get it by cutting a few non essential bills. If you have a car payment coming up, for example, you may be able to call your lender and get the payment deferred. Things like gym memberships and even satellite service can also usually be put on hold. Be creative and look at all of your options.
Sell Something Of Value
You may not be able to get the money from one item, but you can get your $300 in the aggregate. Sell an old TV, your old back up phone or maybe even some furniture that you do not need. Take a look at Facebook Marketplace and see what people are selling. 20 bucks here and there can really add up.
Negotiating With Creditors
Instead of taking out a loan, perhaps you can simply talk to your creditors. You might be surprised at how many companies are willing to work with you to help you stay current. A little time on the phone might get you some skipped or reduced payments and you can use that money saved to pay for your emergency.
Just Plain Doing Without.
Last but not least, think about just doing without the 300 bucks. Sometimes we let ourselves think that we need something when we really do not. So, before signing for your 300 dollar payday loan, think about whether it is for a real emergency or not.