Voices of Payday Advance
There are many reasons why consumers obtain payday advances. The following are personal stories from everyday people who have used the service to meet their short-term consumer credit needs.
VOICE OF PAYDAY
Michelle K. Birmingham, Alabama
Michelle K. is a devoted mother and loving wife. Her job as a medical assistant is rewarding and to relax, she enjoys crocheting in her free time. She also knows how to get by when things get rough.
Not too long ago, an unusually high power bill and reduced hours at her job put Michelle in a difficult position. She was just a little short but didn’t want to fall behind on her other bills.
“I have never tried credit cards and I never will. I don’t want to run up any long-term debt, which is why I knew payday advance was the right choice for my family.”
“It was during the winter months, and I just didn’t realize how high the bill would be, “ said Michelle. “I had worked out a budget that the high power bill just couldn’t fit in.”
“I have never tried credit cards and I never will. I don’t want to run up any long-term debt, which is why I knew payday advance was the right choice for my family.”
Michelle decided that payday advance was the best option for her family. She was able to use the small advance to cover the cost of her power bill and pay the money back in full two weeks later.
“I learned about payday advance from a friend who had a good experience using it. And, I am so glad that the service was there to help me. I would definitely use it again if I needed the option. It helped my family out of a tough situation,” said Michelle.
Payday advance enabled Michelle’s family to stay warm in the cold winter months and continue without long-term debt.
VOICE OF PAYDAY
Christopher L.Loma Linda, California
Christopher L. is in the smile business. He works part-time as an anesthesiological technician at a dental office – keeping patients’ smiles in tact through even the most difficult procedures. But Christopher struggles to keep his own smile – balancing his job with the demanding course load necessary to become a certified anesthesiologist.
He loves being able to work learning his trade and getting hands-on experience, but Christopher’s schedule doesn’t just limit his extra time — it limits his extra money. Expensive courses and books keep hin on a tight budget.
"I just needed to be able to get to work and school. Like me, most of my friends were students, so I didn’t want to ask them for help. Payday advance was easy and it worked.”
So when his car broke down, Christopher was in a bind. He didn’t need a huge loan, but he did need to get his car repaired to get him to work. If he missed work, he wasn’t going to be able to pay for his classes.
Christopher weighed his options and knew he needed money quickly and without a lot of hassles. Christopher chose payday advance — and for a small fee, he was able to get the money he needed to get him back on the road.
“I just needed to be able to get to work and school. Like me, most of my friends were students, so I didn’t want to ask them for help. Payday advance was easy and it worked.”
Christopher is scheduled to graduate soon and knows he’s got a bright future. He makes good choices, he stays focused — and he always keeps his smile — even through the toughest of times.
VOICE OF PAYDAY
David L. Lincolnton, North Carolina
David L. spends his days helping people out when they’re in trouble. As a highway transportation worker he drives along North Carolina’s interstates helping people who are stuck in a disabled vehicle or those who have just been in an accident. David does whatever it takes to make the roads safer, including getting rid of debris on the road to prevent accidents.
“I’m a combination of police, fire medic, and tow truck. I love my job because I feel like I’ve done some good at the end of every day,” says David.
"The people at the payday advance place were nice and pleasant, and you can depend on them.”
When David was in a rough financial spot, he received help from a payday advance company. “I got sick and fell behind on a bill,” said David. “Payday advance was quick and easy to pay back. I don’t like to go to friends or family because it always seems like such a hassle. The people at the payday advance place were nice and pleasant, and you can depend on them.” David paid his balance back in two weeks and knows that if he ever needs financial help, payday advance is there. That reassurance makes it easier for David to continue doing his own job of helping people in need.
VOICE OF PAYDAY
Elaine R. Grover, North Carolina
Elaine R. is a proud mother of two who just sent her first child to college. She and her husband of twenty years dote on their children, and do everything in their power to help them out as much as possible.
When her youngest needed new eyeglasses and her eldest needed some help paying college expenses, she didn't know where to turn for a short-term loan. Payday was a week away. Elaine and her husband didn't have a lot of cash on hand and didn't want to borrow money from family or friends.
"I like to know they're there if I need them. They're real nice people and it's a service you need now and then.”
“I was in a jam with some things that just couldn't wait until payday,” she said. Elaine did some research and decided payday advance was the right option for her family. She was able to take care of the unplanned expenses immediately and pay back the loan next payday.
Elaine was thankful that she had somewhere to turn. “I like to know they're there if I need them. They're real nice people and it's a service you need now and then.”
VOICE OF PAYDAY
Stacy P. Indianapolis, Indiana
Dedication, compromise and independence -- Stacy P. says you must have all three to be a good Mom. And she should know. Stacy is a divorced mother of three teenagers with a busy career as a medical analyst. Even though she's on her own, Stacy strives to give her kids the opportunities she didn't have.
Fifteen-year-old Nikki wants to be a dancer. Thirteen-year-old Freddy excels on the basketball court and his 12-year-old brother David has no trouble keeping up — not on his bike, his roller blades or in the pool.
"I'm showing my kids what it means to be independent," she says. "With a little help here and there, I can make it on my own."
A supportive mom, Stacy rushes after work to cheer on the sidelines or to hunt to for the perfect CD for a new dance routine.
But three teenagers need financial support too. With no child support, she must rely on her single income and the extra money she earns clean-ing houses. By being especially careful to keep the family checkbook balanced and staying away from credit cards, Stacy most often makes ends meet.
But when the family car needed new brakes, Mom took a close look at her checkbook and determined that she needed help to make it to her next paycheck.
The repair cost $246. Stacy took out a $250 payday advance, equipped her car with new brakes and paid the loan off over the course of three paychecks. The payday advance fee cost less than a rent-a-car and Stacy, Nikki, Freddy and David were back on the "go".
VOICE OF PAYDAY
Mary B.Pinnacle, North Carolina
Mary B. is a car enthusiast. When she’s not working as a shift supervisor at a packaging plant, she’s busy trying to restore a green vintage 1972 Ford Maverick. With her automotive knowledge, Mary knew she was in trouble when her everyday car needed a new transmission. She relies on the car to get to work and didn’t have the money to replace the part.
Mary evaluated her options. She doesn’t like to borrow money from family or friends, as she likes to keep her finances private. Recommended by a close friend, Mary decided payday advance was the right choice for her. “It’s less of a hassle,” she said. “I really liked the people and they provided me a great service.”
"Payday loans are really convenient and they help people get out of a bind.”
Mary got the money she needed to fix her car and paid the loan back in two weeks. “Payday loans are really convenient and they help people get out of a bind.”
Mary is happy that she’s back on the road, but she can’t wait for the day that she gets to drive her ‘72 Maverick.
