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Payday loans for people on disability income

In such difficult times as the recent recession many people struggle to make ends meet. Some lose their jobs, or are forced to take up different duties, sometimes for a smaller salary. It is still better than unemployment and so many people agree without hesitation. Consequently, from the purely financial point of view it can be said that people on disability income are in a much better position as they receive fixed, regular income no matter the economic situation. On the other hand when an unexpected emergency happens disabled people cannot look for additional sources of income partially because they could loose their benefits, and partially because of the increased competition on the job market. Thus, it may turn out that taking up a short term, online payday loan may be the only solution. Luckily there are many lenders who are willing to lend money to unemployed people living on various benefits.


Simple, short and secure application

Online applications for payday loans for people on disability income do not require the customers to send any papers, or fax anything. The entire application process takes place online, on a secured website for improved security. What is more, once the application form is submitted a company representative contacts the borrower to discuss the terms and conditions of the loan. Thus, the borrower can rest assured that the loan is taken from a reliable company tat cares for its customers. Furthermore, the borrower has a perfect opportunity to ask any questions to make sure that everything is clear before taking the payday loan for people on disability income. Then, when all the details are settled and the application is approved the money is instantly transferred to the borrower’s bank account. As a result the customer can receive money on the same day the application is submitted (as long as it is a business day) and all that without any paperwork.


Instant approval for poor credit

As payday people on disability income have a fixed amount of money every month, but probably a varied amount of monthly obligations it may be easy to forget about a bill, or two from time to time. That may lead to developing a poor credit score quite quickly, which in urn will make banks decline loans to such customers. Fortunately, online lenders have different ways of calculating whether a given customer will be able to pay back the loan. Consequently, also people with poor credit score, or bad credit history can receive funds from such companies. And as the application does not cost anything and takes only a few minutes there is nothing to lose.

Rules in the USA

Payday loans are illegal in: Arizona (AZ), Arkansas (AR), Connecticut (CT), Georgia (GA), Maine (ME), Maryland (MD), Massachusetts (MA), New Jersey (NJ) New York (NY), North Carolina (NC), Pennsylvania (PA), Vermont (VT), West Virginia (WV), the District of Columbia (DC). Amounts: $100, $200, $300, $400, $500, $600, $700, $800, $900, $1000

Rules in Canada:

British Columbia – capped at 23% of the principal (including interests and fees) Alberta – up to 23% Saskatchewan – an interest rate cap of 23% of the principal, a cap of 30% on a defaulted loan Manitoba – at 17% per two weeks Ontario – $21 per $100 borrowed for a period of two weeks New Brunswick – illegal at any rate over 60% per annum Nova Scotia – the maximum rate to 25% Prince Edward Island – $25 per $100 borrowed for a period of two weeks Newfoundland and Labrador – no legislation