How payday loans work
Loan structure, repayment timing, fees, state rules and the difference between storefront, online and marketplace models.
Read guideFinancial Guides
These guides are designed to answer borrower intent before any commercial action. They explain product mechanics, costs, risks, alternatives and state-law context in plain language.
APR vs fees explained
Why a small fee can equal a very high APR and how to compare total repayment cost.
Read guidePayday loan alternatives
Credit union PALs, payment plans, earned wage access, nonprofit help and emergency assistance.
Read guideWhat happens if you miss repayment
Returned payments, fees, collections, credit risk and how to communicate with lenders.
Read guideHow payday loans affect credit
Soft checks, hard inquiries, collections, credit reporting and rebuilding after problems.
Read guideHow to rebuild credit after default
Credit report review, debt validation, repayment strategy and building positive history.
Read guideInstallment loans vs payday loans
Repayment structure, APR, term length, affordability and state-law differences.
Read guideHow to avoid predatory lending
Warning signs, official complaint channels and how to verify licenses before borrowing.
Read guideEditorial note
Guides link to official or nonprofit sources where possible, including CFPB, FTC, NFCC, 211.org and state regulators. Corrections can be sent to [email protected].