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Before considering payday loans as a solution to your financial needs, it is a good idea to research the topic thoroughly and determine the features of these loans that would make a them a good choice in your case. What  types of direct lender payday loans are there and what are their basic highlights? How can I benefit from direct loans with low APRs? Where should I search for an offer to match my needs? How to access these funds and when? What type of documentation is required to qualify for such loans? These are all relevant and natural questions, and the best way to solve them is to approach the concept structurally.

This article deals with the types of payday loans available both online and in local financial institutions and with a few additional facts and figures that should give you a better view on the whole principle. For further details and explanations, feel free to contact us at www.unitedfinances.com, where we can explain you the procedure thoroughly and provide you with expertise for your particular situation.

Types of direct lender payday loans

• A low amount of money is to be borrowed – this type is much more common than its counterpart and it can be found on most of the offers presented by financial companies and institutions. The documentation needed is minimal (ID and bank account) and the procedure is fast and comprehensive.
• A large amount of money is to be borrowed – for people with clean credit card records, these payday loans are available contextually. Consider additional papers, such as proof of fixed income, or other similar documents that prove you are able to return the money to the lender.

Facts and figures you should be aware of

Some of these facts are limited to certain geographical areas, countries, states, counties or other forms of social organization which may have independent financial laws. However, from the economists’ perspective, they are considered common sense in most of the situations:

• Borrowers with bad credit history or people who have experienced bankruptcy are welcome to apply provided that they can bring proof of income.
• In most cases, there’s no need for collateral to receive the money.
• There’s no application fee associated to these transactions; people who want to apply can do it for free, thus taking advantage of the competition in this economic niche.
• The borrower can change his or her mind at anytime and not take the loan up until the contract is signed. Statistically, the number of people who decide to give it up is so small that financial companies offer this opportunity for free.
• When considering proof of fixed income, some companies allow you to present social security or disability income, just as they would with a regular salary.
• Your personal information is safe with these companies, as they don’t share it with anybody, unless otherwise expressly specified or requested by you.
• The number of direct lender payday loans you are to access is not limited: you can get as many loans as you want either from the same lender or from multiple lenders.