Even though you may feel like you’re in a desperate situation, you’re not. When you get ready to borrow money for a pay day loan, you have options. There are plenty of companies out there searching for your business. Your just is to be a smart borrower so you go with the right company. The number one way to determine who to go with will be determined by costs. For each company, look for:

#1 –  the APR
#2 – the fees
#3 – how soon you’ll have to repay the money
#4 – what happens if you can’t repay

Once you know how each company works when it comes to these questions weigh the pros and cons to see which choice is best for you.