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How Much do Payday Loans Cost?

If you've ever been up watching tv at 3am, you've heard their commercials. It's quick. It's easy. No credit checks. It's money when you most need it. When you're struggling, these can be exactly the words you want to hear. This isn't an accident. Payday loan companies know just how to catch you when you're down.

But what they don't say, is just how expensive those quick and easy loans really are. Some predatory lenders will make quick high-interest loans the easy way out in the short term. While it may be easy to get a payday loan, it is never a recommended strategy. The predatory nature of lenders working in the payday loan industry tend to make customers with poor credit their targets. At Refresh, we believe the path to building good credit can be difficult - but never impossible.

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Can't Stop Spending? You're Not Alone

Before you head out with your wallets this weekend, I want you to think about what impulse buying is. I want you to recognize the factors that lead to impulse buying. I want you to learn how to protect your money from your own impulse.

Find ways to tie up your cash so you can't spend it, or at least make it harder to spend. Don't bring your credit cards with you when you're in high-risk impulse buying situations. Use cash, and limit how much you have on you.

The key here is not to feel guilt for having weaknesses. The key is to recognize that we all have them, and identifying which are yours. Recognize the traps you fall into and take preemptive measures to avoid them.

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Who Gets Payday Loans?

We've talked a lot here at Refresh Financial about the struggles millennials face with credit and borrowing. Millennials tend to have poorer credit than the generations that have come before them, with only 2% of millennials having excellent credit scores, according to some sources. We've talked about the fact that this generation doesn't seem all that interested in obtaining credit, with the amount of credit card debt held by 35-year-olds or younger at it's lowest since the eighties. There are side effects to this phenomenon though, and not the least of these is the increased usage of payday loans by millennials.

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*Savings begin to be built after paying off initial commitment fee.

Since signing up with Refresh I have done really well with my credit rating. I was able to sign up for a new credit card and now know my credit score is way better than what it used to be. I'm so glad I signed up for this program and am working towards making my credit score even better!! Your staff has been so helpful with anytime I have called in for any help or questions. I always speak highly of Refresh and explain how you guys have helped me from a bad credit score to one that I can be proud of. Thank you so much to Refresh for making it easy to get back to where I need to be!!! ”

Sarah, Aurora, ON