Payday Loans = Costly Cash Avoid payday loans at all cost. Here's a few tips on how to avoid them.

Avoid payday loans at all cost.

Here's a few tips on how to avoid them.

Fast Cash Without a Payday Loan Online Consider a small loan from your credit union An advance from your employer A loan from family/friends Or perhaps a cash advance on your credit card Know the terms before you pull the trigger

Consider a small loan from your credit union

An advance from your employer

A loan from family/friends

Or perhaps a cash advance on your credit card

Know the terms before you pull the trigger

Alternatives to Payday Advance Loans Always compare the APR and finance charge for your credit options and go with the lowest cost. Always ask creditors for an extension on your payment but be sure to find out if there are extra charges for paying late.

Always compare the APR and finance charge for your credit options and go with the lowest cost.

Always ask creditors for an extension on your payment but be sure to find out if there are extra charges for paying late.

Create a Quick Cash Foundation Do your best to track your current income and spending. Most of us spend more than we bring in because we buy items we don't need. See what you are wasting money on and stop doing it.

Do your best to track your current income and spending.

Most of us spend more than we bring in because we buy items we don't need.

See what you are wasting money on and stop doing it.

Payday Cash Advance Rates Better Than Overdraft Fees? Ha! Always check to see if you have overdraft protection on your checking account. Check the rates, as it can help but can be very costly. If you are going to utilize the overdraft protection, make sure it’s not to buy something frivolous.

Always check to see if you have overdraft protection on your checking account.

Check the rates, as it can help but can be very costly.

If you are going to utilize the overdraft protection, make sure it’s not to buy something frivolous.

Payday Loans Default Debt Elimination Consider contacting a local consumer credit counseling service if you need help working out a debt repayment plan. Many of these credit counseling services are very cheap or cost nothing at all.

Consider contacting a local consumer credit counseling service if you need help working out a debt repayment plan.

Many of these credit counseling services are very cheap or cost nothing at all.

Payday Loan Application If you find that you must borrow from a payday lender, please only borrow what you can afford to pay with your next paycheck. You will need to make sure you still have enough money to get you and your family through until the next pay day.

If you find that you must borrow from a payday lender, please only borrow what you can afford to pay with your next paycheck.

You will need to make sure you still have enough money to get you and your family through until the next pay day.