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The second choice is for those persons that have less than ideal credit and still required long term bad credit loans right here. This alternative contains going to a lender that is not a bank. This would be a non conservative lender that will be talented to get you the cash you need with fewer of a credit condition. They typically require that you have been paying on incredible like a car or something else for 6 months on time. This is about all they need from a credit point of view. [link widoczny dla zalogowanych] Apart from that, there have been several instances when the checks given by debtors bounced on the due date when the creditors tried to cash them. This will land you into more trouble since your bank may start charging you for overdraft. In the long run, the bank may not want to work with you anymore. Moreover, your credit score also suffers a major setback because of this reason. If you continue to default on your payments on the short term loan, you may have to deal with a debt collector. Eventually, a lawsuit may be filed against you by the lender. When you get approved for your same day payday loan, you might find you got approved for more than you actually need to cover your expenses. It can be tempting to borrow the full amount you were approved for, but you should think this through. Everything you borrow must be paid back- usually by your next payday. If you canât pay back your loan on time, you could be subject to high penalty fees. Some people even get stuck in what are referred to as âborrowing cyclesâ, where they start by borrowing more than they need, pay it back at payday, and then have to borrow again just to make up for the additional amount they borrowed. This cycle continues and in the long run will cost the borrower large sums of money from interest and fees.