Responsible Lending

Short-term loans can help with urgent needs, but they can also be costly. Borrow only what you can repay on time and only after reviewing lower-cost options.

Before You Apply

• Confirm the exact repayment date and total repayment amount.
• Compare APR and finance charges against other options.
• Plan your next paycheck before accepting an offer.
• Avoid repeated rollovers or renewals because they can increase cost.

Alternatives to Consider

Consider payment extensions, credit union loans, employer advances, local aid programs, credit counseling, or help from trusted family or friends.

If You Cannot Repay

Contact your lender before the due date. Ask about repayment options and review your rights under applicable state and federal law.