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For-profit lenders are reluctant to issue loans to anyone who does not have a strong credit report and financial history. That is not the case with government small business loans. Obviously, a decent credit report is important, and you will have to follow the guidelines regarding the repayment period and the interest rate set by the government, but usually the interest rates charged by government loans are lower than those you could expect in the private sector. [link widoczny dla zalogowanych] Find out about re-payment terms. Ask the lender how long you have to pay the payday loan back. There should never be a penalty fee charged for paying a payday loan off in advance. Ask the lender about pre-payment penalties. If there are any, go someplace else for your loan. Do you just need a small advance against your pay to tide you over?

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