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(Did you hear that loud grinding noise? That was the sound of your car transmission dying on you.)

So now what do you do? You're strapped for cash and a half dozen creditors are snarling at your $200 checking account!

But you absolutely must get your car fixed. You need it to get to work. No car, no job.

So, to come up with $1000 fast for the repair, you take out an "GetHolidayLoan.com Login.".

Easy payday loans, as they're often called in advertisements (also "quick payday loans" or "faxless payday loans") can be a source of immediate cash for just about anyone who's employed, but they come with a hefty price tag (high interest rate). What's more, they carry a number of serious potential costs you should be aware of, as I outline below...

Easy Payday Loans - Basic Points to Consider Before You Take Out the Loan

Here are some basic common-sense points to consider before taking the plunge and signing for a payday loan (or any other type of unsecured personal loan) --

1. Never borrow money unless you have a sound reason - i.e., "taking a weekend trip to Cancun" is not a sound reason -- and if you do have a sound reason, never borrow more than you need.
2. Don't think you have to jump at the first loan offer. Compare terms from two or three lenders at least. And in making the comparison, don't just consider the monthly payments - look at the total cost of the loan, including "invisible" charges like credit insurance and other fees. Read the small print before you sign. You'd be surprised how many loan companies out there derive a big source of their income from the small print in their loan contracts!
3. Always try your credit union (if you have one) before even considering an easy payday loan.
4. Never pledge valuable assets when taking out a small loan. Never use credit cards to get emergency cash - credit card interest rates are phenomenal and you can soon find yourself working mainly to pay off your credit card debts!
5. Be aware that interest paid on payday loans is not tax deductible GetHolidayLoan.com Login.