Dear 2016, please stop. Is it not enough that we had to mourn an astounding number of celebrities, say goodbye to Brangelina, and witness the United States elect an orange clown? Now you’ve also got to meddle with individual wallets and deprive people of their hard earned cash. There’s only so much time left as we crawl towards the end of the year, and we need a break. Signed, most of Canada.
If this sounds like the type of letter you’d write at the end of the year, chances are 2016 has thrown more than just horrifying current events and celebrity deaths your way. The last 12 months may have brought with them bill after bill after bill, leaving both your savings and patience depleted. In a perfect world, when new financial obligations show up in your budget, your income would increase accordingly. Unfortunately, you’re living in what may just be the #worstyearever, so you have to make do with what you have — which is a huge hole in your budget.
It’s the way of the universe. It’s almost inevitable that these bills crop up with untimely due dates set at odds with your pay period. You’d have enough money to cover these new expenses, if only you could wait for pay day. In the unlikely event you can bend time, you could figure out how to pay for these bills without getting slapped with late fines and accrued interest. If you, like the rest of us, don’t have that ability, a small payday loan is the next best thing.
These online loans are a quick and convenient way to cover your newfound responsibilities on time. The top lenders of payday loans, such as those financiers behind GoDay, understand the need for fast cash in the face of looming due dates. That’s why they’ve streamlined their loan process to minimize the amount of time and effort it takes to get the advance that you need. As long as you’re above the age of majority and have a consistent income, you can apply online and get a response within 5 minutes.
If this is your first time using a payday loan, lenders like GoDay typically limit their products at $500, but returning customers can borrow as much as $1,500 should they keep a clear lending record. That means meeting your repayment deadline on time by your next paycheque. This may not work with every budget, so it’s important to review your finances and figure out what rates and terms you can handle.
If it’s simply a waiting game until payday, then these short term loans can provide the perfect stopgap in your budget. Even if 2016 has been rough for more than financial reasons, you can see it through to the New Year as long as you have a trusty payday loan on your side.