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Simple, lower interest rates and higher approval rates. Short term payday loan lenders are more aggressive with interest rates and more difficult to get approved with. You may be wondering why are the payday loans you can pay back over time so much better? This is because long term payday loans have higher repayment rates. The payments you have to make are substantially lower so long term payday loans you can pay back over time are much easier to pay back over time. So you and other customers are more likely to make all of your payments on the loan. This means a lower rates of nonpayment and less risk to the lender. Paying back a regular payday loan is difficult you didnt have enough money to cover this month now they want a chunk out of next month or even next week plus interest. Its ridiculous and doesnt help anyone but greedy lenders. With a long term payday loan that you pay back over time you get the best of both worlds. A high approval rate even with bad credit and a low interest rate even with the same bad credit. [link widoczny dla zalogowanych] These loans often have very high interest, but are available to anyone, regardless of credit history . A job and a checking account are usually required. In most cases the funds are deposited to the borrowersâ checking account and the payments are then withdrawn from the borrowerâs checking account. Direct Subsidized Loans are reserved for undergraduate students exhibiting the highest levels of financial need during college. The most important distinction here is that the U.S. Department of Education pays the interest on your loan:

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