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Because the laws governing payday loans vary from state to state, you will need to visit the Payday OK website at http://www.paydayok.com to get detailed information on the laws in your state. You can get more information on the laws by going to the frequently asked questions page and looking for the link. Or, you can click on the link on the front page that says “Calculate Your Loan Costs.” To be able to use this link, you will need to log into your account through their website.
Whether you are approved for a payday loan will be determined by the status of your checking account. If your account has a negative balance, your payday loan application will be denied. They also evaluate your checking account for insufficient funds transactions, returned checks, and overdraft fees. Though these criteria are considered to make sure that you can pay back your payday loan, they are also considered to protect you. When you take out a payday loan, it can be too easy to get yourself into a hole deeper than you can handle. Because it is so easy to get into trouble, many state governments have enacted laws to protect your interests.
When you apply through Payday OK, your can choose to get a loan for any amount between $100 and $500. Your interest and fees will be based on your loan amount. While you are filling out your loan application, you will need to choose how you will make payments on the loan. Your payments will be debited from your checking account. You can choose to pay the loan in full on the due date. You can choose to refinance the loan by paying the interest and part of the principal. You can choose to have your loan Auto-OK. In the case of an Auto-OK for your loan, Payday OK will withdraw 10% of your total loan amount plus a finance charge from your checking account. Your final payment option can only be done four times. That option is to pay only the interest charges and fees on your loan. If you are not going to have your payment on the due date, you can contact the customer support department for Payday OK. They will work with you to get your loan paid. You can fill out the email form on the “Contact Us” page, or you can call them at (866) 612-4506 between 7 am and 10 pm Monday through Friday, or 9 am to 8 pm CST on Saturday.
If you are concerned about disclosing your private information through a website application, you can go to the link at the top of the page that says “Security.” This page details all the security features on the Payday OK website. Additionally, you can verify that your information is being transmitted securely by checking for the lock symbol at the top of your browser.
If you are having temporary financial trouble, a payday loan can be a good option. However, if your financial troubles are not temporary problems, then you can go to the link on their website for suggestions on how to get out of debt. On this page, there are suggestions on how you can cut extraneous expenses from your budget to save money. Additionally, they list the different resources that are out there for those who are having financial problems. With these suggestions, Payday OK is showing that their goal is to be there when you need temporary help without taking advantage of those who are having financial problems. Their final suggestion is to make sure that you do not borrow more than you can afford to pay back when you get your next paycheck.
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