The problem is you'll be slapped with even more interest. If you can't afford the repayment now how will you afford it - plus more - in a month's time. The dangers of payday loans. Despite their speed and convenience, there are some compelling reasons to avoid payday loans.

Payday loan interest rates. Although a number of payday lenders' websites come equipped with a sliding tool showing the total amount you'll repay (if you make your repayments in full and on time), to compare loans against each other you need to check the APR (annual percentage rate).

Payday loan APRs tend to be incredibly high - over 5,000 in some cases. Regulations introduced by the FCA in January 2015 cap the total interest and fees of payday loans at 100 of the original amount borrowed, but that's still a lot of unnecessary debt compared to other options.

Repayment problems.

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I have a conditional approval for an FHA mortgage loan. I deposited cash in my account that the underwriters are requesting a paper trail for. This money was from repayment of a personal loan that I gave to my boyfriend in 2014. Any advice on how to handle this situation. Thanks in advance. You generally dont want to touch that reserve money until the loan funds to avoid any extra conditions or scrutiny.

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