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What to Do If You Don’t Have Cash to Payback Your Payday Loan

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There are situations when even if you want to you just don’t have cash to do what you want to do. This is when a payday loan can help you. If you are on a regular job, you can apply for a loan and get cash up $1000 depending on your application status.

However that’s not the end of it. You need to pay back the loan on your next payday – and here sometimes you are in trouble.

You may not have enough cash to payback the loan on your pay day, or you may need the cash for some urgent work that may be more important than paying back the loan. In such a situation what should you do?

We discuss ways that can help you in situations when you don’t have enough cash to pay back your loan:

Option 1) The first thing you should try is to pay the loan at any cost. Even if it means taking a second loan from the same lender.  (Note that no other lender will give you a loan if you have a open loan from some lender. You if need another loan to payback your first loan, the only choice you have is to ask for a second loan from your current lender.)

Option 2) Inform your lender about your problem. Tell him the truth. There is no point telling a lie. You may need money for a medical emergency, or you may have not received your salary at all for that month. There are a lot of possibilities that you may not have enough money to payback your lender. It’s nothing to feel ashamed of. Just tell the lender. He / She will come out with a solution. Most of the time the lenders will ask you to pay a partial amount of the total outstanding loan. But, the solution depends a lot on your state of residence, state laws and the lender. They may come out with a repayment plan that may not satisfy you, but it is better way out then getting into a feud with the lender and possibly legal trouble. Their plan will definitely help you to stay away from legal hassles.

Option 3) Loan some cash from your colleagues/ friends or family members and payback your loan. We agree it’s very hard to ask cash from your friends and/or family members, but at least it will save you from not getting into legal trouble by not paying back your payday loan.

Remember your credit record may get affected if you don’t pay your loan on time. You should try to avoid such a situation. It’s always advisable to take a payday loan only when you are capable of paying it back.


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