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The differences between microloans and payday loans

Microloans and payday loans are sometimes conflated, but very different types of financial products. Both are small loans to low-income individuals who typically have no credit score or access to traditional financial products. However, microloans are designed to help low income individuals start businesses, whereas payday loans are designed to give short term credit between …

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Payday Loan Debt Statistics in the US (updated 2020)

This page contains statistics about the state of payday lending in the United States, curated by our editorial team. We will continue to add and update statistics as new data becomes available. 12 million Americans use payday loans each year. As of 2017, there were 14,348 payday loan storefronts in the United States (there were …

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11 Ways to Get Out of Payday Loan Debt for Good

Table of Contents Getting out of payday debt is tough, but possible. Here’s how to get out of a payday loan nightmare. How to get out of payday loan debt1. Try a payday loan consolidation / debt settlement program2. Prioritize high-interest loans first3. Ask for extended payment plans4. See if you can get personal loans5. …

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How To Recognize (and Avoid) Payday Loan Scams

When consumers shop around for a payday loan provider, they are at a high risk of getting scammed. There are thousands of payday loan providers in the US, and thousands of scams as well. Payday loan scams are prevalent, and they frequently target the most vulnerable people.  When someone falls for a payday loan scam, …

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How Payday Loans Affect Your Credit

If you’re in a tough tight spot financially, you might turn to payday loans to help cover expenses in the short term. As with most loans, payday loans do have implications on your credit scores, which can impact your ability to get loans – payday and other types – in the future. Payday loans can …

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What Happens If You Don’t Pay Back A Payday Loan?

When people take out payday loans, they are frequently in precarious financial situations. Thus, it’s no surprise that many people who take out payday loans end up being unable to pay back their payday loans according to the terms that they agreed to. While the regulations regarding payday loans vary from state to state, there …

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