Hey y'all, I hope you're doing well! Today, I wanted to talk about payday loans. I know there's a lot of information out there, but it can be hard to figure out what's legit and what's not. So, I wanted to share my thoughts on two companies I've seen around lately: Modo Loan and 79 Cash.
Modo Loan
First up, let's talk about Modo Loan. Is it legit? In short, the answer is yes! Modo Loan is a legitimate lending company that offers personal loans to people with all types of credit. They have a pretty simple online application process and claim to be able to get you the funds you need within just a few hours.
Of course, with any loan, there are always risks. Personal loans tend to come with higher interest rates than something like, say, a car loan or a mortgage. Modo Loan is no exception to this rule. Depending on your creditworthiness, you could end up paying an APR of anywhere from 6.99% to 35.99%. That's no small chunk of change!
So, in short: Modo Loan is legit, but make sure you fully understand the terms and conditions of your loan before signing on the dotted line!
79 Cash
The next company I want to talk about is 79 Cash. They advertise payday loans with a maximum amount of $5,000 and claim to be able to process your application within minutes. So, is 79 Cash legit?
The short answer is... maybe. There are a few red flags that concern me when it comes to 79 Cash. For one thing, their website is... less than professional. It's littered with typos and feels a bit sketchy overall. That's never a great sign when it comes to a business that's supposed to be managing your money!
Another thing that concerns me about 79 Cash is their interest rates. They claim to have APRs starting at 6.63%, but that seems a bit too good to be true. I've seen reports from people who have taken out loans with 79 Cash and ended up paying interest rates of 300% or more. Yikes!
So, overall, I'm not really sold on 79 Cash. While they might be legit, their website and interest rates both give me pause. If you're considering taking out a loan with them, make sure you do your due diligence and research them thoroughly before signing on the dotted line.
And that's it! Those are my thoughts on Modo Loan and 79 Cash. Remember, if you need to take out a loan, it's always important to do your research and make sure you're working with a company that's trustworthy and transparent. Good luck!
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