Payday loans vs layaway | Which is a better option?

A businessman requesting a payday loan by phone.

Considering layaway? Wait… there are better options. (CC-BY-Business Working/Picasa)

It’s that time of year again, when people start to brainstorm new ideas and options to finance their holiday spending. However, don’t make the same mistake many people run into by using layaway. A much better solution could be to use an easy payday loan. Layaway potentially can end up costing you more money than the interest on a small payday advance loan.

Internet payday loans offer better options than layaway

Layaway, at face value, seems like a good choice, but there are so many things that people don’t consider– things that could lead to more money loss. This time of year is famous for its holiday sales and ridiculously low prices. Throughout the next two months, if you watch the ads closely, you can save hundreds of dollars on the items you want to buy. If you use a layaway program, you are usually locked into the price of that item — even if it goes on sale the next week. Since the layaway term can be 3 months or longer, it’s kind of like 100 day loans to the store. This is yet another reason why Internet payday loans may be a better option.

Having the money on hand could prove invaluable

Simply having the cash you need on hand when a product goes on sale can save you hundreds of dollars. Not to mention, if the product you bought goes on sale even further, most retail stores will reimburse you the difference within a certain time frame. So by being able to spend what the store is asking when they are asking it, you could wind up with some of the best deals of the holiday season this year.

How do I get a payday loan?

Obtaining an Internet payday loan is simple. All you have to do is get started here, and you will get a response in just minutes. There is typically no faxing of any personal document, no waiting for days for a review on your application and no worrying about a less-than-stellar credit score. As long as you are 18 or older, a legal United States resident and hold a steady job, you are on your way to getting a payday loan today. What are you waiting for? Get started now!

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