3 30 Day Loan Companies Offering 30 Day Payday Loans
Payday loans commonly have a maturity of 14 days or less. However, to match the needs of customers who are paid once per month, companies can ask for repayment one month after contracting the loan. Alternatively, a typical 14 day loan can be carried over to the next two weeks, for a modest fee. Below you will find some of the most solid companies that offer 30 day payday loans.
PayDay One claims to be the cheapest payday loan provider on the market, with rates ranging from as little as $13 to $24 for every hundred dollars borrowed. And they put their money where their mouth is – PayDay One offers a Great Rate Guarantee: if you find a better offer from a similarly licensed financial company, they will match it and throw in a bonus as well. They offer 30 day loans between $100 and $1,000, but state regulations can impose lower maximums. In California, for instance, the maximum amount that can be borrowed with a payday loan cannot exceed $255. PayDay One representatives pride themselves in having one of the most responsive and well trained customer support departments in the industry: all queries received online are usually answered within the hour. Refinancing your 30 day loan is allowed; however, PayDay One will impose minimum payments at each maturity date. For more details, visit the FAQ page on the company’s website.
Speedy Cash has a well established presence in the offline industry as well, which makes them stand out in the industry. Customers can contract a 30 day loan over the phone, in a brick and mortar store or online with hardly any paperwork. 30 day loans with Speedy Cash can be refinanced or rolled over to a new period of time, provided there are no restrictions in your state of residence. Funds are usually wired to your bank account the very same day and should appear on your bank statement within 24 hours. Speedy Cash recommends contacting your bank’s ACH department if the transfer takes longer than one business day, since it is probably their fault. For your convenience, funds will automatically be debited from your account on the maturity date, so you don’t have to worry about missing payments.
Paycheck Today charges slightly more than other payday loan providers, but offers extremely flexible payment plans on their 30 day loans. A loan with this company will cost you $30 for every hundred dollars borrowed, which yields an annual percentage rate of around 500% for a 30 day payday loan. The amount borrowed doesn’t have to be paid in full at the maturity date. The only limitation imposed by the company is that you can only extend your loan four times and afterwards have to start to either pay it down or pay it off. At each deadline on the payment schedule, the customer has to pay at least $50, plus financing fees. Three days after the 30 day loan has been paid back, you can borrow again. No preferential rates are offered to returning customers.
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