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Payday Loans

Payday loans are small-dollar loans with fast funding and short repayment periods. Payday loans usually don’t require a credit check, and according to the U.S. Consumer Financial Protection Bureau, have an average annual percentage rate (APR) of 400%. Usually, the loan is due by the borrower’s next payday. 

Some people will turn to a payday loan if they have an emergency expense and no other options for cash available. To avoid a payday loan, pay off your debt to improve your credit score and focus on creating an emergency savings fund for unanticipated expenses.

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