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Published on: 25 Oct 2016 by josephtan
Whether you are needing cash for your medical bills, taking out a payday loan in Singapore can be your best option. If you want to send your children to school, you can consider taking out a student loan for your fees. You should identify the difference between managing high interest on credit cards, charges for delayed payments or just avoiding money problems altogether. Most loan companies can offer services to help people cope with financial emergencies. This kind of the loan is tailored for the unexpected car problem, medical bills, and any other situation when cash is needed instantly.
Before applying for your payday loan Singapore https://www.creditexcel.com.sg/ , some tips should keep in mind to ensure that you are dealing with the right person.
1. Know about the loan terms and repayment plans. If you want to get a loan from a bank, your credit plays a vital role in obtaining it. If your credit is good, you will have a great chance to borrow money from banks and get a lower interest rate and a flexible repayment plan when it comes to repayment. However, if you decide to take a payday loan from a moneylender. Your credit score is not the determining factor to get a loan any more. No matter you are getting a loan from a bank or a moneylender, you should know about loan terms and repayment plans.
2. Know the fees you have to pay. Moneylenders may charge you some fees for their services. Some lenders may charge advanced fees for a short term instant payday loan, and some may also charge fees for not having enough cash in the bank account so as to cover a payment or set up an automatic payment. Whatever fees they are asking for, you should think twice before sign the contract.
3. Check the prepayment penalties. Generally, all interest of a short term payday loan will be required even if the loan will be paid off early. Check if you should payback all the interest if you can pay back the whole loan before the due. 4. Make sure the lender is licensed. It is important to work with a licensed money lender. A licensed moneylender means that it has met the requirements which are set by the government for the type of business. A licensed moneylender will report your loan information to credit bureaus. This can help you build up credit so that you can be qualified for a better loan at a bank.