Should i get a Pay Day lone?

Don't be a victim of the payday loans. Just think, if you have no money to pay the existing debts, how you will manage to pay the pdls in the future. They have obnoxious interest rates.

If you are getting tempted to see this as a temporary fix, it won't help in your case. You will be digging a deeper hole for yourself.

Unfortunately, this is not what you expected. But if I were in your place, I will pawn my personal belongings to pay the current debts. Don't hesitate to ask for help from your friends or family. They might understand your situation.

NO! NO! NO! Do not fall into the payday loan trap! We are there and are trying to find a way to save our house! Don't do it. If you must borrow, check with your folks or something, but do not under any circumstances take a payday loan. You will only get in deeper than you already are, trust me and listen to the advice these people give here. It is helping me out tremendously!!! Stay away from PDLs!!!!

Most definately DO NOT GET A PAYDAY LOAN! It is a trap as 2ndband stated above. They will suck you dry and laugh the whole time they are doing it!

It is a vicious cycle....and yes, they will suck you dry and then some. Our bank account is way worse now than it was before we got the loans. It is a temporary fix, like a drug, it will help for the moment and then leave you needing more. Please just stay away! It is more stressfull getting out of them than it was before we got them.

Look as everyone says.. NO.. Because you are not looking for a short term one payday loan.. that is where we yes all of we get in trouble. I hate payday loans and they have cost me plenty.. BUT if you really needed 200-250 for 2 weeks and were dealing with a person ( storefront) and could let the check clear on payday with out rolling over.. yes it works.. the problem is it is too easy to habd over in the state of CAL 45.00 instead of 300.00 what's another week or 2.. this is where we get burned.. because the following payday we forgot about a bill that is due.. so what is another pay period. Now 45.00 for 2 weeks is 135.00 5-6 weeks later and the loan is no where close to being paid so now 200-250 turns into 345-385 so NO.. for the reason you state in your post you will get as lost as most of us did..
Trust me MOST of us thought it would only be 2 weeks for the one PDL.. then as I said 6 7 8 some 9 later we are still trying to figure out what happened to the 45.00 charge..

Thanks for the great advice guys. The car worked its self out. We were told at 9am today that it was going to be 1,400.00 to get it out but by this after noon it was only 1,100.00 So I even have enough left to get some gas lol

On pay day things should be alot better and i'll beable to start working down my checking account.

I miss the days when your bank would try and help ya out of a hard spot instead of well you know. I would be happy with a bank card that you could set up to decline. If funny how the lady thats been calling about when i'm going to pay wont even let me cash a pay check or get a title loan to pay off the account but they also wont stop the card from working so if I wanted to use it I could... or if i had things that were comming out automaticly they wouldnt stop them.

Thats crap.

Seems like everytime I turn around there is someone else sticking it to me lol. I think after all this is over when i'm going to get my checks cashed and lock the money up at home.

One thing you could do, is ask the bank if they will reverse any of the $24 fees. My checking acct. was messed up, and I went into a local branch and talked to the manager. He reversed a few of the fees, and I set up payment arrangements to get the overdraft amt. paid off before the acct. was closed by the bank. They will report you to Chexsystems and SCAN, then turn you over to a collection agency.

Have you asked your bank if they can set something up on your acct. so that your card will be declined if you try to use it and don't have enough in your acct. I had that done on mine.

Argon - I remember when you first posted...please look back at your first posts (not so long ago!) and remember where you were then, and what brought you to this site. Do you want to be in that position yet again? We don't want to see you go there. Please don't ever consider taking out a PDL as a quick solution to short-term financial problems.