freedom cash lenders

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Before moving forward with an instant loan, consider if you’ve gone through all the alternatives below.

Negotiate a payment plan. Contact your creditor or servicer to explain your financial situation and see if they offer reduced payment plans.
Personal loan for bad credit. Although this option also comes with high interest rates, they’re still considerably lower than payday loan fees. According to debt.org, payday loans essentially have 300 to 500 percent interest rates when you factor in fees while a personal loan for someone with bad credit may have an APR of 25 to 30 percent, at the highest. Plus, most personal loans offer longer repayment periods.
Family and close friends. Ask trusted family members and close friends if they’re willing to give you a short-term loan. Make sure you’re both clear about interest and repayment expectations. Make a written agreement, if necessary.
Speak with a nonprofit credit counselor. For a long-term solution, discuss your debt options with a nonprofit credit counseling agency, such as the National Foundation for Credit Counseling. Their services are free or low-cost, and they can help you with a debt management plan so you can be prepared for unexpected expenses.