If you didn't know it yet, Payday Loans have an outrageous APR rate.

Here are ways and means to get a "better deal", a lower APR, and a discount on your payday loan.

Many companies will have unadvertised deals, new customer specials, referral and affiliate programs you can take advantage of. Here are the best ways to get a Payday Loan Discount, as recommended from a former payday loan manager:

• Complain - No business likes an unhappy customer. Just telling your sales agent how you feel can usually cut you some kind of deal. Most people are sympathetic.
• Use online payday loan discounts – There is a lot of marketing and advertising done for payday loans online, which come with special deals and offers.
• Refer a friend - A lot of times, payday lenders will pay you or give you credit for every friend or acquaintance you refer to them as a new customer.
• Find a new payday loan company - Payday lenders will cater to and just about do anything to get a new customer. They usually give discounts to new customers.
• Find coupons in mailers or Sunday papers - A coupon alone can usually get you a free rollover on your loan, or at least 50% of the loan fee.
• Don't use a Payday loan company at all - Check out other short term lenders, pawn shops or even check your bank for short term loans until payday. Usually banks, especially credit unions can offer you a cash advance with a low interest rate compared to a Payday Lender.
• Extend the Due Date - When getting the loan in the first place, see if you can push the due date ahead another pay date. This will lower the APR and reduce the stress of bills due on the next paycheck. The lender will usually do a free rollover in order to get you as a new customer.

A Payday Loan may not always be the right answer, but sometimes we find ourselves in certain financial situations. These strategies will help you lower the fees and APR of a payday loan and get you a payday loan discount.