Frequently asked questions.

No. We provide general education only — we never issue, broker, approve, fund, or service loans, and we never make a credit or underwriting decision.

No. Anything you submit through this site is used only to send you the educational resources you asked for. We do not forward it to lenders or loan brokers.

No. Everything here is general education and shouldn't be treated as personalized financial, legal, or credit advice. For that, consult a qualified financial advisor, nonprofit credit counselor, or licensed professional.

Often, yes, relative to other borrowing options. A typical $15-per-$100 fee on a 14-day loan works out to roughly 391% APR. A single fee can look small, but rollovers and renewals multiply costs quickly.

At minimum: the total dollar amount you'll repay, the finance charge, the APR, the exact due date, how repayment is collected, late or NSF fees, rollover policy, and your state's rules. Lenders are federally required to disclose these before you sign.

It varies by lender and state, but commonly includes rollover fees, NSF or overdraft charges if your account lacks funds, collection activity, and possible reporting to ChexSystems. Some states require lenders to offer extended repayment plans.

Payment arrangements with the company you owe, credit union Payday Alternative Loans (PALs), an employer paycheck advance, nonprofit emergency assistance (211.org), LIHEAP for utility bills, or a lower-rate personal loan can all cost meaningfully less.

No. Rules vary a great deal by state — some prohibit payday loans outright, others cap fees or amounts, and some have few restrictions. Always confirm your state's rules before agreeing to any short-term loan; the CFPB site has state-by-state details.

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