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Using our service you can be sure that you will be credited by the direct lender only. Any intermediaries are not allowed.

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FAST DECISION

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UP to 1000$ CASH

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What does it mean to renew or roll over a payday loan?

Payday loans are known as fast money for a short period of time which lasts from two weeks to two months. Sometimes it is really difficult to find extra money to repay your loan within this period, especially, if you needed money for some emergency and the situation hasn’t been improved yet. For such cases we have a special offer for our customers. When you can’t make your payment on time you should contact your lender and ask about all possible variants that are available.

In case you need some extra time to repay your payday loan you will be offered two variants of solving the problem.

When do you need to ask for rollovers and renewals?

When you fail to make the repayment you should ask us to have a possibility to consider all possible variants for your situation.

There is an example: you got $500 as your payday loan with a fee of $75. The amount of $75 must be repaid on the initial due date. In case of rolling over your payday loan, you’ll have to repay the $500 plus another $75 for the new fee. When does this option can be good for you? It is the only variant that is preferable in the situation of not being able to make the repayments. But you should try to repay it as quickly as possible not to pay any additional fees for the renewal option.

What must be taken into account while renewing your payday loan?

  1. Sometimes the number of times you can rollover your payday loan can be limited
  2. You should contact HartLoan.com in advance to tell that you have difficulties repaying your payday loan. This will be helpful for you because you will be able to avoid paying overdraft fees.

What to choose: Renewing, refinancing or rolling over your loan?

You have three options to choose from:

  • To renew your loan
  • To refinance your loan
  • To roll over your loan

All of these three options refer to the same practice of getting a new payday loan and using its part to pay the finance charges on old and new loans back. Some lenders may require you to use a new payday loan’s part to pay some or full sum of the old loan’s principal. There is also limitation on how much money you are allowed to receive with each loan and limits on the number of rolling over your debt to a new loan.

How to get an extension with your payday loan?

If your salary isn’t enough to cover all the expenditures including your Payday loan and here we are going to give you a review of such a service as refinancing of a loan.

If you know in advance that you will not be able to pay your payday loans back, extension will be a good option for you.

Actually, refinancing your payday loan is like applying for a new loan but you are going to extend the existing one.

Is refinance of your loan cheaper than other variants?

Your payday loan can be refinanced. It is a bit cheaper than on some sites. You should pay at least the first loan’s interest. Refinancing means you will have the same charges and interest rates as the previous one and the requirement to repay it on the due date.