Cheap payday loans are very beneficial to a first time borrower in the money lending and borrowing industry. This is because of the many offers that lenders have in place for a first timer. It does not matter whether the lender is a direct one or a loan broker, they all have something for you. For fist timers it's advisable to use a broker though. One of the benefits that first timers get is the special rates known as the introductory rates. These are strictly for a person who have never taken these loans before. That is payday loans. If you have taken fast cash or payday advance or one hour no credit check, then you are not a first timer in the loan industry. You cannot be entitled to these rates with such a history. As a first timer you can ask for discount when an agent contacts you. Everyone wants to welcome a new client and it is the high time you take advantage of that since there is no other time you will ever be new may be only to another lender. visit this website