Your Payday Benefit
Straight answers about payday loans, and the cheaper places to look first.
Plain-language guides to what payday loans cost and the alternatives worth checking first. We are not a lender and we do not offer loans.
Guides
- What a payday loan really costs
How a flat fee turns into an annual rate, and why rolling a loan over adds up.
- Credit union payday alternative loans
Federal credit unions can offer small loans with capped fees and longer terms.
- Paycheck and earned-wage advances
Advances through your employer or an app: what to check before you use one.
- Ask for a payment plan
Asking a creditor for more time or a hardship arrangement, and what to get in writing.
- Nonprofit credit counseling
How to find a reputable counselor, and the warning signs of one to avoid.
- Emergency help: 211 and local aid
Referrals to local help, and energy-bill assistance, to check before you borrow.
- Check your state's rules
Payday lending rules differ by state. How to find yours and where to complain.
Consumer news from regulators
Recent posts from the agencies' own feeds. Each headline links to the agency's website.
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