![]() ![]() If there's a chance you can't pay your rent or utilities call them ahead of time and see if there's anything they can do to help you (partial payment now and full payment in 15 days, or a fee for a delayed payment just one time, or for your utilities possibly a payment plan, etc.) Maybe call your cell phone and have service turned off for 30 days?Īt what point is people needing to sit down and read a financial loan contract "victim blaming"?īecause people aren't lawyers or good at math, so no amount of reading a pile of intentionally confusing legalese will prevent people from signing a contract. Maybe cut some grass or see if you can get a part time manual labor gig on the weekend for a few hundred bucks this month also to help make ends meet? Then be super tight with your spending this month and try to get the rest of your bills paid off. If you have the money to pay it off you should do so. They say they'll refund you any extra payments (and legally they'd be required to). You'd probably want to send them more like $500 thought to guarantee you fully pay it off with any interest accrued between giving them the money and it being processed etc. There should be a phone number you can call to speak with a person that would have the actual answers, but i believe if you only recently took this loan out, your total pay off amount should be closer to the $427.56 amount your seeing. The site refuses to give that information until after I have agreed to refinance and paid a fee. Whenever I go to the refinance tab, I get no information on what my payment amount would be changed to, when my new due date would be, or what my new interest rates would be. Is there any way I can lower this? Is there anything I can do at all to avoid repaying such an egregious amount? I know I really messed up by not simply reading the contract before signing but surely there's something I can do, right?ĮDIT: I want to add that I looked in to refinancing the loan, but the Speedy Cash website is extremely ambiguous. $1873.26 for a $425 loan, $119 out of every check I receive for the next 6 months. I didn't read the contract before signing (I know, major facepalm) and I've just come to realize that not only will I be paying back $1,309 due to interest, but also an additional one-time payment of $564.26 in principal and CAB fees. Anyways, I signed up for a payday loan through Speedy Cash for $425. ![]() In hindsight, this was a bad idea, as I would've come out WAY cheaper just paying the late fees on my rent. To keep this brief, I had to take out a payday loan to make rent last month. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.Īs a matter of policy, BBB does not endorse any product, service or business. BBB Business Profiles are subject to change at any time. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.īBB Business Profiles generally cover a three-year reporting period. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. BBB Business Profiles may not be reproduced for sales or promotional purposes.īBB Business Profiles are provided solely to assist you in exercising your own best judgment. ![]()
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