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Really the only disadvantage to Payday Alternative Loans (PALs) is you need to join a credit union now so that you can make an application for one whenever you absolutely need it.
The simplest way to avoid loans, when it comes to record, would be to begin saving cash and build an emergency fund up.
But that’s a long-term fix from what is oftentimes a tremendously problem that is immediate. You need a solution that’s going to help you right now when you have a financial emergency, like a surprise medical expense or an unexpected car repair.