Summit Credit Union
Summit Credit Union in Wisconsin offers members payday loan alternatives including personal loans and a line of credit of up to $1,000 with a quick application process that does not include a credit evaluation…
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Nevada Federal Credit Union
The Nevada Federal Credit Union offers a payday loan alternative called ADVANCpay…
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Navy Federal Credit Union
Navy Federal Credit Union offers Department of the Navy (DON) personnel, contractors and their families an excellent payday loan alternative called the NAVchek Line of Credit…
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Federal Employee Education & Assistance Fund
The Federal Employee Education & Assistance Fund (FEEA) is a non-profit organization that offers emergency financial assistance to civilian federal and postal employees…
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Consumer Credit Research Foundation
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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WHOIS Search Engine
DomainTools offers a free WHOIS Search Engine which lets you search for details about payday loan websites including registrant contact information, geographical location and IP address.
Unlike other WHOIS services, this one offers Reverse IP so you can see if a payday lender has a unique IP address (usually a good sign) or a shared IP address (usually a red flag)…
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Bad Check Laws by State
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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Debt Collection Letters for Consumers from Privacy Rights Clearinghouse
The Privacy Rights Clearinghouse has excellent Debt Collection Letters to use if you fall victim to unfair debt collection practices…
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Federal Trade Commission Credit Website
The Federal Trade Commission (FTC) has a website on credit where you can get information and file complaints against debt collectors who violate your rights under the Fair Debt Collection Practices Act…
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PearBudget – Easy Budgeting and Expense Tracking
The best way to avoid payday loans is to create a rainy day fund to help you through financial emergencies.
In order to create such a fund, you must first budget your household expenses to reduce expenditures and increase savings.
PearBudget is a free, easy-to-use budgeting and expense tracking program that may ultimately help you avoid payday lenders…
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