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Believing in promises of free cash will put you deeper into financial misery than you already are. Jobs are lost, salaries are frozen and the housing and stock markets are running lower than they have in years. If you've been tempted, read on, to get your wits back about you.
It does not sound that bad: You can borrow today and pay it back with a little extra cash next week when you get paid . But in reality, most people that go down this path just keep rolling the amount over again and again. Everything's great until lenders change their mind about advancing the money. You are left with an empty wallet and perhaps hundreds, or even thousands of rands in interest charges and administrative fees.
Pay day or cash advance loan companies charge very high interest rates. If this is truly your only option, you would be better off borrowing from family or even asking your employer for an advance on your next salary.
Homeloans or lines of credit often also come with high upfront fees. These are often rolled back into the entire loan balance, which means you could be paying interest on the fees for the duration of the loan and further reducing your equity and your ability to pay down the principal balance. If you are investing the money back into your home for improvements, it's okay to get a homeloan, but if you are doing it to pay bills, avoid this approach entirely.
If you default or show up even one day late, the pawnshop will sell your item for whatever price it wishes, usually the retail price or close to it. If you want it back, you have to pay the full retail price. - askmen.com