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If you have a credit card, using it to pay for household expenses is much cheaper than going to a payday lender. Often, you can even use a credit card to pay other bills, such as your phone bill. Using a low-interest credit card buys you a little extra time to pay for things. Often, your next paycheck will come in before you even get the credit card bill. If theres enough in your paycheck to pay the whole bill, you wont even have to pay interest. But even if you take several months to pay off the balance, youll pay a lot less in cash advance toledo ohio than you would for a payday loan.
According to Bankrate, the average interest rate for a credit card is around 16. Thats much lower than the 391 APR of a payday loan. Some bills, such cash advance toledo ohio rent payments, cant go on your credit card.
But you can still pay for them with a cash advance.