Questions, answered plainly
Frequently asked questions
If your question isn't here, the contact page reaches us directly.
No. This site is a reference resource only — general tips and information about how short-term loan products typically work. We don't lend money, take applications, or make lending decisions of any kind.
APR annualizes the fee. A flat fee that looks small over two weeks becomes large once stretched across a full year — that's the effective APR you'd pay if the same fee structure repeated for 12 months.
They carry different risks. Payday loans tend to trap borrowers in repeated rollover fees; title loans put a vehicle on the line, so a missed payment can mean repossession. Neither is automatically "safer" — it depends on your situation.
Applying typically involves a credit check, which can cause a small, temporary dip. Making on-time payments afterward generally helps build credit over time — the opposite effect of missed payments on any loan type.
It depends on the lender and loan type — options range from a rollover (for an added fee) to collections or, for title loans, repossession. Contact the lender before the due date; many have hardship options that are worse to discover after the fact.
See our Privacy Policy for the full detail on what's collected and how it's used.
Your state's Department of Financial Institutions, Banking, or Attorney General's office typically maintains a licensed-lender lookup — a quick search for "[your state] licensed lender lookup" will usually surface it.