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Avoid Debt By Paying Your Bills With The Help Of A Payday Loan 

The New Year isn't a time to start paying bills late or avoiding them altogether. Yet, many do just that because of the money they’ve spent during the holidays. So, if you find yourself in a tough spot after Christmas, don’t worry, there are options for those of you who need to pay an urgent expense like a utility bill or medical bill.

These bills are important and require on-time payments to avoid shut-offs or the refusal of a doctor's visit due to non-payment. You may also have other urgent bills that need attention or an unexpected situation like a car repair. Any of these can start the new year off on a bad note, but it doesn't have to. You can get a payday loan to help with paying bills on time

Benefits Of A Payday Loan

Payday loans have three distinct benefits over other lending options. This is why so many are finding them helpful in filling in financial gaps between paychecks

person looking at bills

1. It Is An Unsecured Loan

This means you don't have to put up collateral to get approved. The one thing private lenders consider with these types of loans is proof of income. If you have a job, you stand a great chance of getting the money you need. This is an option for those who rent, are still paying on a car, or don't have a valuable asset to secure a loan.

2. Past Credit Doesn't Matter

Many payday lenders don't check your credit. Your job is your credit! They don't report your payday loan to the three major credit bureaus either. That means those with bad or no credit can seek out these types of loans, although approval isn't guaranteed. That also means you won't see a drop in your credit score.

3. It Helps To Bridge The Gap In Pay

Sometimes those who get paid weekly have more week than money. They need food or gas to get to work. Those who get paid monthly or bi-monthly can have serious cash setbacks in those last few days before payday. A payday loan can bridge those financial gaps until you receive your next paycheck. 

4. The Options Of Use Can Vary

Payday loans are a short-term financial option. However, there isn't a set rule on how you use the money. You can use it to fix a car, buy prescription drugs, food, medical expenses, or gas to get to work. 

5. You Get Money Fast

Banks and other financial institutions can take a few weeks or more to approve you and send you money. That could be even longer around the holidays or early into the New Year because many are operating on holiday hours. 

Those offering payday loans can complete the loan process in as little as 30 minutes with a decision made while you wait. You can get your money either the same day or the following business day. That's fast! Getting money quickly can also bring you peace of mind. 

man with payday loan cash fanned out in hands

Finding A Private Lender

Private lenders for payday loans are everywhere, so finding a good one could take some time and research. Fortunately, you don't have to do that because Title and Payday Loans already do it for you. They provide a way to connect borrowers with licensed private lenders from all across the country who are ready to serve you. 

The payday lenders in their network offer a maximum of $1,200 payday loans and require only three basic things to qualify. You will need a driver's license or state-issued ID, your most recent pay stub, and a blank check from a checking account that is active and lists you as an account holder. 

Many of these lenders let you pick the day of payment according to your paycheck. They also listen to you and answer your questions. All are licensed and reputable in your state. 

How To Get Started

You can talk to a payday loan lender in your area by filling out the inquiry form online at Once you have done that the form will be sent to a lender near you. Soon after a loan representative will call you to tell you more about their services and the loan process, and set up a time to meet. 

When you arrive at the meeting a loan representative will validate all your information and required documents and guide you through the easy paperwork. A decision will be made while you wait and that can all be done in as little as 30 minutes! Those approved will get money quickly, either the same day or the following business day. 

Send In The Form

Go ahead and submit the form on and talk to a lender today. You’ll never know if they can help until you ask. A payday loan can provide the financial assistance you are looking for to pay a necessary bill so you can get the New Year started on a good note! Fill out the form today!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

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