Personal / Pay Day Loans

Piggy Back: Personal & Pay Day Loans

The first thing to know here is the difference between a personal loan and a pay day loan. A personal loan is more of a long term loan, that requires a normal loan application. The rates tend to be lower than those of credit cards, and for that reason the cost of borrowing is lower. However, because personal loans don't typically require collateral (like a home is your collateral for a home loan), the amount you can borrow is generally less. A payday loan is a loan you can typically get very quickly, but generally you have to pay back the lender within a few weeks.

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