Payday Punks - Pay Day

Pay Day Hoo Ray

When the wind is just right - and the skies over our cyberhood are cleared out and we can actually see the sunshine - the Payday Punks like to take a little break from our pay day rumbles and take a deep breath, let the sun warm our pale skins and maybe do some calisthenics or pilates...nah! Just messing around with you dude! When the sun shines we all throw on our trench coats and head into the subways, throw down with the Payday Loan Playaz for a while, show 'em how a pay day loan Punk does his thang.

Why you should wait for pay day

First off, you cannot even qualify for a pay day advance if you don't have a job, so get to work! Even if you do have a job but get paid only once a month, you won't qualify for pay day loans so don't even bother. Your pay day is simply too far away to make their short-term loans applicable, so you'd have to look elsewhere. Which is probably the best bet for all you Punks out there. Look elsewhere - or simply wait until next pay day for your cash:

avoiding pay dayloans is your best bet for financial security, since these loans carry stupid high interest rates and payments. Set up a savings plan so you don't need to look into advancements on your payday - your emergency fund is already there!
if you need money now and can't wait until pay day, consider borrowing from a bank, get a line of credit or ask your employer for an advance or something, I don't know. Just do what you can to avoid payday loans.
if you just can't find another means to get your cash, then look online for the lowest cost payday advances and just do and force yourself to pay it all back right away.

Its when you don't pay your pay day advance back at your next pay day that pay day loans turn into pay day moans. Yesss! We just set the world record for "pay day" in a sentence! Whatever, we don't care about anything. (Yipee!)

Set your sights on savings

When us Payday Punks were brawling with the Dirty Dollar Death Squadron, one of our gang - Louie "Lucky Loans" McDermott - came up with a great idea. "Why don't we makes our loans just - end - you know? Straight up. Pay 'em off with the first pay check? How abouts that!" It was about then Lucky Loans got aced in the mouth by a sock full of nickels by a gutless Dirty Dollar. But Louie was right, if you pay off your loans right away, the finance charge becomes a one time charge - no big deal. You get the money you need as a favor to you - you'd expect to have to give something back in return. When you don't give it back right away though - whoee! You'll be begging for the sock of coins, I tell you what.

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