11 guides
Emergency Cash & Short-Term Loan Guides
How to get emergency cash fast, how short-term loans really work, what they cost, and the cheaper options most people never hear about.
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Emergency Cash Immediately: 12 Legit Ways to Get Money Today
Need emergency cash now? 12 legitimate ways to get money today, from options that need no loan or credit check to same-day loans, ranked by cost and speed.
Read guide 6 min readGuidesEmergency Same-Day Cash Loans: How to Get Funded Today
How emergency same-day loans work, which types can fund today, what you need to apply, what they cost, and how to raise your chances of same-day money.
Read guide 3 min readGuidesDirect Lender Payday Loans for Bad Credit: What to Know
What "direct lender" really means, how it differs from a loan-matching network, how bad-credit approval works, and how to check a direct lender is licensed and safe.
Read guide 3 min readGuidesPersonal Loans for Debt Consolidation: How They Work and When They Help
How debt consolidation loans work for credit card and payday debt, how to tell if one saves you money, and the alternatives: balance transfers, credit counseling and PALs.
Read guide 2 min readGuidesHow to Get Out of Payday Loan Debt: A Step-by-Step Plan
Stuck in payday loans? How to stop rollovers, ask for an extended payment plan, revoke automatic debits, refinance with a credit union and know your rights with collectors.
Read guide 2 min readGuidesPayday Loan Laws by State: Where Payday Loans Are Legal
Which states ban payday loans, which cap rates at 36%, and which allow them with limits. Plus how to check a lender’s license in your state.
Read guide 2 min readGuidesPayday Alternative Loans (PALs): The Credit Union Option
Payday alternative loans from federal credit unions cap interest at 28% APR. Learn the PAL I and PAL II rules, how to apply and how they compare with payday loans.
Read guide 2 min readGuidesPayday Loans Without a Bank Account: Your Real Options
Need a loan without a checking account? Compare in-store cash loans, prepaid card loans, pawn loans and title loans, plus how to open a low-cost account fast.
Read guide 2 min readGuidesPayday Loan APR Explained (With a Cost Calculator)
Use our free payday loan calculator to turn a lender’s fee into an APR and total cost. Learn why a $15 fee per $100 equals about 391% APR.
Read guide 2 min readGuidesInstallment & Personal Loan Calculator: Monthly Payment and Total Cost
Free installment and personal loan calculator. Enter the amount, APR and term to see your monthly payment, total interest and total repaid, and compare short-term loan options.
Read guide 2 min readGuidesSecond Chance Payday Loans: What the Term Really Means
"Second chance" payday loans are marketed to people with bad credit. Learn what lenders actually check, what "no credit check" means, and safer second-chance options.
Read guide 2 min read