Why do i need a personal loan

You can also withdraw from an IRA to pay for college expenses or to buy your first home. And if you have a Roth IRA, which is funded with after-tax dollars, you can withdraw money youve contributed to it at no cost.

At first glance, an early IRA withdrawal looks more expensive than a payday loan. Say you withdraw 1,000 the maximum allowed for most payday loans and pay 15 of that in taxes. That comes to 150 in taxes, plus another 100 for the penalty. A payday loan, by contrast, would cost only 150 in interest. The big difference is that with an IRA withdrawal, you dont have to pay the money back. With a payday loan, you have to come up with 1,150 to pay the loan back by your next payday.

With a withdrawal, by contrast, you can just pay the 250 in taxes and penalties and have 750 left to pay your bills.

Why do i need a personal loan

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Why do i need a personal loan

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Why do i need a personal loan