Dollars Today Review

Dollars Today ReviewDollars Today says they can get you the sort of short term payday installment loans that can get you out of a financial jam without making things worse. Since most payday loans just get you into more financial trouble, it’s good to see some lenders start to offer installments, but let’s see what’s really going on here.

It seems that they offer different types of loans based on what you need. For example, if you need a smaller loan they’ll give you a payday loan that you can just pay off at your next payday, and if you needed a larger loan amount they’d give you an installment loan so you don’t have to pay it back all at once and can get approved for higher amounts.

Of course all of this is contingent on making enough money per month to get approved for the different loan amounts, and being able to show proof of that income. They will run their calculations to try to determine how much you can borrow and what you could be expected to repay. Don’t be surprised if they’re able to approve you if you’ve been denied in the past. They have different requirements than a bank would, and their business model is set up so that they need to lend to borrowers with bad credit.

Dollars Today Review – Will You Get Money Same Day?

Dollars Today has a name that makes it seem like you’ll get your money today. But most lenders out there, even the fastest ones, can get the money into your account the next business day. So it shouldn’t shock you if you don’t get the money into your account today, but perhaps tomorrow if it’s a business day.

Keep in mind that even though you may feel like you need the money ASAP you don’t want to rush into a decision that you regret later on. The best course of action is to take your time, be patient, and get as much information as you can before you agree to anything formally. These companies are actually fighting for your loan, because they know that they can make a good profit from you in your time of need. Don’t get swept up in that gotta have it now mentality.

Real Branches
They have brick and mortar businesses that they run, so you know that you’re dealing with a company that you can count on and that is not going to go out of business overnight. There are so many online companies out there that don’t maintain a physical presence, and could be gone with no advance warning. A company that is doing business in the real world will have gone through the process of applying for the needed state licenses and will have their business registered according to state laws and regulations.

They’ll also have to adhere to the laws that protect consumers and borrowers so you’ll generally get a higher class of business when you go with a lender that has a real world presence in the form of branches and offices.

Security Matters
Dollars Today doesn’t have a secure server for their online application, which is a pretty big drawback. They do have a phone number where you can call and speak with someone, and you can also go into one of their branches if you are near one. It would be great if they could get those applications on a secure server so that you could provide the data without worrying if it’s going to be read by a third party or not. They simply need to get an SSL encrypted page to host the application on so the address bar reads https and not http.

Our Recommendation
Dollars Today is worth giving a phone call to get more information on whether they can help you or not. If you’d rather conduct your loan over the phone they have a toll free number to call where you can speak with one of their reps and see how that service works. It’s worth the time to look at all of your lending options before going with the one that makes the most sense to you.

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