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Long Term Payday Loans
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Long-term Payday Loans Offer Extra Benefits

Payday loans are designed to be short-term loans for those unexpected surprises in life, from car trouble to healthcare bills or last-minute travel expenses. But not all consumers can comply with a standard payday loan's short-term payoff schedule. If you think you need more than two weeks to a month to pay off your payday loan, consider taking out a long term payday loan.

Long Term vs. Short Term

Long-term payday loans:

  • Apply to payday loans with payoff times longer than two weeks
  • Come with additional, more costly fees
  • Are generally offered to people who need larger amounts of money

Short-term payday loans:

  • Are paid in full within two weeks
  • Have different fees than long-term payday loans
  • Are usually for small amounts of money

Long-Term Payday Loan Tips

  • Read the paperwork: be sure you understand the terms and conditions of your loan as they could be quite different from a short-term loan. Review the loan's fees and the repayment schedule. Your payments could be due weekly, bi-weekly or monthly.

  • Compare lenders: Not all lenders offer the same longterm payday loan programs. Investigate the programs offered by different lenders and weigh the benefits of each.

  • Stick to your repayment schedule: The fees and penalties on a long-term payday loan can be high, so make sure you are prepared to pay off the loan on time. If you are late on a payment, your lender could assess fees daily or weekly, each of which will add to your loan balance and accumulate extra interest. If you foresee a problem, speak with your lender immediately to determine whether other repayment options exist.

  • Only borrow as much as you need: Payday loans can be an extremely useful financial tool, but responsible consumers should only borrow the exact amount they need. Calculate the costs and determine the best solution that fits your budget.

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