A pay advance is a small, unsecured loan that is made based on how
much you make. Pay advances are great because they are a fast,
efficient, and confidential way to alleviate the stress caused by
unexpected financial expenses. Right now you are wondering, if pay
advances are so great, why do they have such a bad reputation. The only
answer can be, that some people take advantage of people when they are
in need. To make sure you get the maximum benefit out of your pay
advance, and that you are not taken advantage of, follow these
guidelines when selecting a pay advance provider.
1. Compare fees and interest rates. When considering pay advance providers, call them and check rates and fees for the amount of money you hope to borrow.
2. Consider your situation. Before
you sign with a pay advance company, review the terms of their
agreement carefully, and then make sure that you will have no issue
meeting the requirements.
3. Read reviews. Today,
every type of business is reviewed online. Read reviews to see how
previous customers rate their experiences. Don't look for perfect
performance, but you should note if there are a lot of bad reviews, this
is a business to say away from.
4. Rate customer service representatives before you become a customer. Make
sure the customer service reps you are dealing with are kind, courteous
and knowledgeable. Pay attention to how they deal with complaints. Lots
of complaints in the waiting room may mean poor customer service.
5. Make sure the company is licensed.
It is a good rule of thumb to check the licenses of all companies,
especially financial companies, before you do business with them.
6. Make sure all information is up to date on website and promotional materials.
Review the address and contact information on all handouts and online.
Make sure all of the information matches. Out of date information is a
sign that a business may not be in compliance.
7. Make sure all online pay advance forms are secure.
Please don't provide any information on a website, until you are sure
the security on the site is at least the minimum of what is recommended.
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