Online Payday Loans

American Association of Debt Management Organizations (AADMO) members include consumer credit counseling agencies, debt management organizations, credit counselors, personal finance educators, credit and debt information educators, credit counselors and consumer lawyers.

Note: AADMO members include both Non-Profit and For-Profit Debt Management Organizations.

If expensive credit card payments or consumer loan fees are eating up a large part of your paycheck, AADMO members can give you an opportunity to pay your bills while getting the breathing room from your creditors to establish a sustainable budget…
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American Financial Solutions (AFS) is a non-profit credit counseling agency that offers confidential budget counseling, debt management assistance and financial education.

If you find it difficult to pay off unsecured debt such as credit cards or payday loans, AFS can assist you in making informed decisions about managing your debt…
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If you don’t compare payday lenders carefully or follow the Payday Loan Checklist, you may fall victim to one of the many fake payday loan websites set up by identity thieves.

If you have ever applied for an online payday loan, you should check your credit reports regularly for unusual activity.

Unfortunately, there are many fake credit report websites as well.

AnnualCreditReport.com is the ONLY site you should trust when it comes to getting your credit report. It is the only service authorized by Equifax, Experian and TransUnion for this purpose…
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Calculate payday loan APR (Annual Percentage Rate) based on loan amount, fee and duration…
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Arkansas Federal Credit Union (AFCU) offers military members an excellent payday loan alternative in the form of Military Checking Account Overdraft Privilege…
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The Armed Forces Bank offers unsecured consumer loans to military personnel that can be used as an inexpensive alternative to payday loans…
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The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a directory of non-profit credit counseling organizations that meet membership standards…
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Payday lenders sometimes threaten borrowers with civil and criminal penalties under bad check laws.

While this is an empty threat in most cases, it is never a bad idea to be aware of the laws in your state - especially if you plan to stop payment on a payday loan check.

The National Check Fraud Center lists the civil and criminal penalties for passing bad checks…
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The Canadian Payday Loan Association (CPLA) represents 22 23 companies with 850 482 of the roughly 1,350 retail financial services outlets in Canada…
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The Center for Responsible Lending is a nonprofit organization opposed to “abusive financial practices” including payday loans, mortgage lending, overdraft loans (bounced check protection), car title loans, credit card abuses, refund anticipation loans and mandatory arbitration …
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