{"id":424,"date":"2022-10-27T09:09:32","date_gmt":"2022-10-27T07:09:32","guid":{"rendered":"https:\/\/oxfordwisefinance.com\/blog\/the-difference-in-between-a-wise-loan-and-a-payday-advance\/"},"modified":"2022-10-27T12:31:24","modified_gmt":"2022-10-27T10:31:24","slug":"the-difference-in-between-a-wise-loan-and-a-payday-advance","status":"publish","type":"post","link":"https:\/\/oxfordwisefinance.com\/blog\/the-difference-in-between-a-wise-loan-and-a-payday-advance\/","title":{"rendered":"The Difference In Between A Loan and A Payday Loan"},"content":{"rendered":"<h2><b>What Is the Difference Between a Loan and a Payday Loan?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">A payday loan \u2014 which is often referred to as a payday advance,\u00a0<\/span><span style=\"font-weight: 400\">cash advance loan<\/span><span style=\"font-weight: 400\"> or a salary loan \u2014 is a short-term, small amount loan that a borrower repays at their next payday.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The amount you pay back is the amount you borrow plus a fee. For example, if you borrow $200 from a payday loan company that charges $20 for every $100 borrowed, you must pay back $240.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Most <a href=\"https:\/\/oxfordwisefinance.com\/payday-loans-direct-lender\/\">payday loan lenders<\/a> require you to set up an automatic payment from your checking account. They electronically deposit the funds for your loan into the checking account and then automatically withdraw the funds for the repayment at the agreed-upon time.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/oxfordwisefinance.com\/\">Payday loans<\/a> differ from more traditional installment loans in their terms. With an installment loan, you don\u2019t pay the amount plus fees back right away with your next paycheck. Instead, you pay the amount you borrow plus interest over a period of time in a series of installments. Installments may be paid weekly, biweekly, or monthly, depending on the terms you agreed to with your lender.\u00a0<\/span><\/p>\n<h2><b>What Is Better: a Payday Loan or an Installment Loan?<\/b><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3885\" src=\"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/payday-loan-or-an-installment-loan.jpg?resize=1140%2C641&#038;ssl=1\" alt=\"What Is Better: a Payday Loan or an Installment Loan? | Difference Between Wise Loan and Payday Loan | Wise Loan\" width=\"1140\" height=\"641\" \/><\/p>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/oxfordwisefinance.com\/installment-loans\/\">Installment loans <\/a>are typically a better choice than payday loans. Here are just a few reasons you might want to go with an installment loan when looking for short-term <a href=\"https:\/\/oxfordwisefinance.com\/blog\/speedy-cash-topeka-ks-what-you-need-to-know\/\">cash to meet an unexpected need:<\/a><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Potentially better interest rates.\u00a0<\/b><span style=\"font-weight: 400\">Payday loans have extremely high interest rates. Many people don\u2019t realize this because of the way the loans are structured. They have a \u201cfee,\u201d and <a href=\"https:\/\/oxfordwisefinance.com\/blog\/el-paso-payday-loans\/\">payday loan<\/a> lenders may not use the term interest. But when you\u2019re being charged $10 to $30 per hundred you borrow and expected to pay that back within a few weeks, the resulting interest rate can reach more than 600%.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loan-amounts-how-much-can-you-borrow\/\">Access to higher amounts.\u00a0<\/a><\/b><span style=\"font-weight: 400\">Payday loan amounts are based on how much you can pay back on your next payday. That limits how much you can borrow, as most lenders won\u2019t even let you borrow the total amount of your paycheck. Installment loans are based on how much you can afford to pay back over a longer period of time, which may make it possible for you to borrow more money.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/the-recent-grads-guide-to-building-credit\/\">Helps build your credit.\u00a0<\/a><\/b><span style=\"font-weight: 400\">If you work with an installment loan lender that reports to the credit bureaus, your loan can help you <\/span><span style=\"font-weight: 400\">build credit for the future<\/span><span style=\"font-weight: 400\">. Making timely payments on your loan increases your positive payment history, which in turn can <a href=\"https:\/\/oxfordwisefinance.com\/online-payday-loans-for-bad-credit\/\">increase your score<\/a>. Many <a href=\"https:\/\/oxfordwisefinance.com\/blog\/how-to-get-a-payday-advance-loan-2\/\">payday loan<\/a> lenders don\u2019t report your payments to the credit bureaus, so such loans don\u2019t help you build credit.<\/span><\/li>\n<\/ul>\n<h3><b>Are Payday Loans Easier or Harder to Pay Back Than Installment Loans?<\/b><\/h3>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3890\" src=\"https:\/\/i0.wp.com\/oxfordwisefinance.com\/blog\/wp-content\/uploads\/2022\/10\/are-payday-loans-easier-or-harder-to-pay-back-than-installment-loans.jpg?resize=1140%2C641&#038;ssl=1\" alt=\"Are Payday Loans Easier or Harder to Pay Back Than Installment Loans? | Difference Between A Wise Loan and A Payday Loan|Wise Loan\" width=\"1140\" height=\"641\" \/><\/p>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/oxfordwisefinance.com\/blog\/what-are-reno-payday-loans\/\">Payday loans<\/a> tend to be harder to pay back because they require a substantial amount out of your next paycheck. If you are relying on a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-south-carolina-what-you-need-to-know\/\">payday loan<\/a> to make ends meet, your next paycheck may also be stretched. Having to use it to <a href=\"https:\/\/oxfordwisefinance.com\/blog\/5-tips-for-paying-back-a-personal-loan-early\/\">pay back the loan<\/a> can put you back in a financial bind a few weeks from now.<\/span><\/p>\n<p><span style=\"font-weight: 400\">An <a href=\"https:\/\/oxfordwisefinance.com\/blog\/speedy-cash-installment-loans\/\">installment loan<\/a> requires smaller payments over a longer period of time. That structure helps you pay back the debt without creating that financial burden in immediate weeks.<\/span><\/p>\n<h3><b>Why Should You Avoid Payday Loans?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Some people get caught up in what\u2019s known as the <a href=\"https:\/\/oxfordwisefinance.com\/blog\/the-truth-about-payday-loans-in-california\/\">payday loan<\/a> trap. This occurs when you take out a <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-south-carolina-how-to-avoid-common-mistakes\/\">payday loan<\/a> for an unplanned expense and intend to pay it back fully on your next payday. But something else happens in the meantime and you need your entire next paycheck to make ends meet.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Many <a href=\"https:\/\/oxfordwisefinance.com\/blog\/payday-loans-in-washington-what-you-should-know\/\">payday loan<\/a> companies let you roll the existing loan into a new one, putting off paying it back until your next payday. Of course, they don\u2019t offer this courtesy for free. You pay a rollover fee, increasing the amount you have to pay back (and the interest on your loan). You may also make it that much harder to pay back the <a href=\"https:\/\/oxfordwisefinance.com\/blog\/making-an-application-for-a-loan-online-vs-in-person-whats-the-best-and-trustworthy-option\/\">loan without major financial issues in your personal<\/a> budget.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<p>&nbsp;<\/p>\n<h3><b>What are two types of payday loans?<\/b><\/h3>\n<p><span style=\"font-weight: 400\"><a href=\"https:\/\/oxfordwisefinance.com\/blog\/applying-for-payday-loans-in-orange-ca\/\">Payday loan<\/a> companies offer a few options, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Paycheck <a href=\"https:\/\/oxfordwisefinance.com\/blog\/advancement-loan\/\">advance loans.<\/b>&lt;span<\/a> style=&#8221;font-weight: 400;&#8221;&gt; You secure these loans based on your next paycheck. The lender takes the money out of your bank account on payday.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><a href=\"https:\/\/oxfordwisefinance.com\/blog\/loans-instant-approval-no-credit-check\/\">Post-dated check loans.<\/a><\/b><span style=\"font-weight: 400\"> You write a check for a certain day in the future to cover the loan plus any fees. The <a href=\"https:\/\/oxfordwisefinance.com\/blog\/ace-loans-online-is-ace-cash-express-the-right-lender-for-you\/\">lender gives you the money now and cashes<\/a> the check on the agreed-upon date.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is the Difference Between a Loan and a Payday Loan? A [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":416,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","pagelayer_contact_templates":[],"_pagelayer_content":"","iawp_total_views":1,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[142,179],"tags":[],"class_list":["post-424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-business","category-loan-types","col-md-12"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Difference In Between A Loan and A Payday Loan - Blog - Oxford Wise Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oxfordwisefinance.com\/blog\/the-difference-in-between-a-wise-loan-and-a-payday-advance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Difference In Between A Loan and A Payday Loan - Blog - Oxford Wise Finance\" \/>\n<meta property=\"og:description\" content=\"What Is the Difference Between a Loan and a Payday Loan? 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