Online Payday Loans

The Community Financial Services Association of America is a payday lenders trade association…
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Compare Cash Loans (CompareCashLoans.com) is an objective comparison of unsecured cash loan options.

Using the site, you can compare short-term, small-dollar cash loans offered by P2P lending services, credit unions, utilities (in the form of late payment fees), banks (in the form of overdraft “protection”) and, of course, payday loans.

The site compares loans by amount, duration, fee and APR (Annual Percentage Rate) making it an extremely useful tool to help borrowers make better loan decisions…
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The Consumer Credit Research Foundation promotes public discourse about short-term consumer loan products and provides links to research, studies and papers that defend the payday loan industry…
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The Consumer Federation of America has an information page about payday loans…
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The Consumer Sentinel is an identity theft and consumer fraud database managed by the Federal Trade Commission. Consumers can use it to file complaints against:

• identity thieves who set up fake payday loan websites to harvest personal information
• unethical lenders who engage in fraud

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If you are visiting our site from Canada (eight percent of our visitors do) and have found yourself on the debt treadmill (a common payday loan pitfall), Credit Counselling Canada (CCC) can help you find a credit counsellor in your area. Credit counsellors can explain your options regarding negotiated payment plans with creditors…
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The Privacy Rights Clearinghouse has excellent Debt Collection Letters to use if you fall victim to unfair debt collection practices…
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The Privacy Rights Clearinghouse has an excellent Debt Collection Practices page.

Dealing with a debt collector is a stressful experience.

Knowing related laws and regulations, however, can make it less stressful.
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DP Bureau (and its subsidiary CL Verify) offers identity verification, payday loan history reporting and other decision support solutions to payday lenders.

When you apply for a payday loan, lenders will usually check your record at DP Bureau, Teletrack or both…
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Failure to repay a payday loan can lead to unfavorable attention from debt collectors.

In some cases, debt collectors may violate your rights under the Fair Debt Collection Practices Act.

The FTC has a consumer information site that answers common questions about debt collection practices…
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