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Some payday lenders might require borrowers to deliver a copy of the utility bills and other proof of residency to be able to approve the loan. Borrowers who are can not qualify to get a traditional loan or plastic card may still have the ability to access other styles of credit, like a secured plastic card or a credit builder loan. A payday loan can be a short-term, high-interest loan that is certainly meant to be repaid around the borrower's next payday. Borrowers ought to be cautious of rollover and extension options, as they are able to lead to a cycle of debt that can be difficult to escape. Payday loans may be more expensive for borrowers who have a history of bounced checks or any other banking problems. Some payday lenders may offer loans to borrowers without any credit history, but these refinancing options may come with very high rates and fees. Borrowers must also be alert to their rights under state and federal consumer protection laws, that might provide additional protections against predatory lending practices. Borrowers who're considering a cash advance should be alert to the potential influence on their credit standing and financial well-being, and will only borrow what they could afford to. Borrowers who are considering a pay day loan should be alert to the potential consequences of default, including law suit and damaged credit.