Many online lenders now offer unsecured, short-term installment loans to borrowers with bad credit. They are yet another payday loan alternative that, in some cases, can offer cash loans to residents of states that prohibit payday lending. Compared to payday…

A 401(k) loan is a risky payday loan alternative. Although 401(k) loans are cheaper than payday loans or credit card cash advances, the benefits are outweighed by substantial drawbacks and risks…

Borrowing from family and friends is an interest-free alternative to payday loans. Loan approval is quick and repayment terms are flexible. There are, of course, risks involved. Listed below are the basics of borrowing from people you know and simple…

If your cash need is a one-time, unexpected emergency that requires $350 or less, Modest Needs is an excellent payday loan alternative. The money provided by Modest Needs is a grant, not a loan. You don’t have to pay it…

An overdraft line of credit is a good alternative to payday loans. It is a form of overdraft protection. Unlike bounced check protection, however, overdraft credit is safer and cheaper…

Bounced check protection is a dangerous alternative to payday loans. It is a form of overdraft protection. Unlike an overdraft line of credit, however, bounced check protection is expensive and carries risks…

Many payday lenders target US military personnel: service personnel have a steady, guaranteed income many service members are young many young people do not consider time value or cost of money There are, however, a wide range of interest free…

Credit card cash advances are a dangerous alternative to payday loans. While the APR is much lower than that of payday lenders, credit card cash advances are expensive loans that carry risks.

Credit unions are an excellent alternative to payday loans. Many credit unions offer low-cost salary advance loans and free debt management programs as loss-leader incentives to join. These are concrete solutions for short and long-term financial problems. With credit unions…

The best alternative to a payday loan is to contact creditors and propose a payment plan. One prerequisite of cash advance loans is being employed. If creditors know you are working and want to pay back your debts, they may…