Frequently Asked Questions

An instant payday loan produces an unsecured, short term advance loan until your own payday

An instant payday loan produces an unsecured, short term advance loan until your own payday

Atlanta Payday Advances

Will you be lower on cash? Caught between paychecks? We can assist! Get the full story within our useful site and help guide to quickly Atlanta payday advance loan.

An instant payday loan are limited, unsecured, highest interest, temporary cash loan. Normally, buyers compose a post-dated, personal look for the advance levels, plus a charge. The financial institution retains the check for the loan course right after which deposits they, or perhaps the customer returns with cash to recover the check. Payday advance loan in Atlanta, which have been made by check cashers, boat loan companies, also enterprises, are also also known as cash advance payday loans, check advance financial loans, postdated check financial loans, or deferred deposit check debts. Because these financing posses these brief terms to maturity, the expense of borrowing, indicated as a yearly portion price, can range from 300 % to 1,000 per cent, or higher.

Listed here is a good example of just how a Atlanta cash advance really works: the debtor needs financing for a short period of time, usually someone to four weeks. They give you the lending company with proof work and identification. In exchange for profit, they keep a postdated seek advice from the Atlanta loan provider that also includes hop over to the website the A“payday loan feeA”. The fee may appear reasonable considering that the borrower settled $115 to borrow $100 for 14 days. Although this cannot look like a great deal, if you calculate the mortgage expenses regarding APR that $15 explodes to 360 percent interest. If borrower consistently bring economic difficulties and should not pay back the loan as guaranteed, the attention helps to keep constructing therefore really does your debt.

Atlanta Payday Loan Information

Payday advances in Atlanta offer short-term credit score rating at high costs. Once you borrow with an instant payday loan, you only pay a percentage with the dollaramount borrowed or a group charge per dollar amount lent. Loan providers oftencharge between $15 to $50 for $90 borrowed. If you opt to continue the loan through another cover duration, you should pay the whole cost again.By achieving this, you could potentially easily end using many or all of the revenue your lent to pay for these expensive charges.

Government law needs payday lenders to disclose the loans expenses regarding contract type as a dollar levels and also as an AnnualPercentage Rate. As an example, the fee on a $100 financing for four time is$10 while the APR try 913per cent. Compared, financing from standard financialinstitutions like banking companies, benefit and loan associations, and creditunions might have APRs starting from 10% to 18per cent. The APRs for payday loans on a credit card could start from 16% to 21%.

Usually, Atlanta payday loan consumers need cashflow issues and couple of, if any, lower-cost borrowing choices. Payday users commonly regular consumers of payday progress, usually picking either to “roll over” theircredits or even to receive added consequent extensions of credit score rating. This data indicates that the cash flow difficulties experienced by many Atlanta payday clients are a long-lasting credit score rating attribute in the place of a short-term temporary adversity.

Whilst payday financing companies gift suggestions finance companies with brand new development options, additionally provides considerable dangers. To make sure, higher pricing on payday loans promises greater profits and greater margins for lenders. However, there also are better danger connected with payday credit. The credit possibility connected with payday credit are considerable, even if versus other types of unsecured subprime lending particularly Atlanta bank card financing. Borrowers just who get payday advance loan typically has cashflow troubles, and couple of, or no, lower-cost credit choices. The combination of the borrower’s limited economic capability, the unsecurednature associated with the credit, and minimal underwriting comparison with the debtor’sability to settle cause substantial credit score rating risk for covered depository institutions.The life of alternative party arrangements may, you should definitely effectively handled,significantly increase institutions’ exchange, legal, and reputationrisks. Payday loans is generally subject to high degrees of purchase riskgiven the big volume of loans, the management of papers, and also the movementof mortgage resources between your organization and any 3rd party originators.Because pay day loans is likely to be underwritten off-site, there is the riskthat agencies or employees may misrepresent information regarding the loansor enhance credit threat by failing to follow demonstrated underwritingguidelines. Payday financing try a financial services with a high costs thatcan location individuals without savings or available credit at risk of greaterindebtedness and lasting credit difficulties. What’s more, it can meet a needfor anyone who has couple of or no other credit score rating possibilities.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.