Association of Independent Consumer Credit Counseling Agencies
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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FDIC Guidelines for Payday Lending
Federal Deposit Insurance Corporation (FDIC) offers guidelines for payday lending…
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Fair Debt Collection Practices Act
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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Community Financial Services Association of America
The Community Financial Services Association of America is a payday lenders trade association…
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Consumer Federation of America
The Consumer Federation of America has an information page about payday loans…
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APR Calculator
Calculate payday loan APR (Annual Percentage Rate) based on loan amount, fee and duration…
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Zopa USA
Dead Site! (Updated November 9, 2010)
This site died. Zopa has ceased operations in the USA.
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Lending Club
The Lending Club is a licensed, peer-to-peer (P2P) lending site that helps match individuals who would like to finance loans with borrowers who need cash.
With interest rates between 7.12% and 18.36% APR, the Lending Club makes an excellent payday loan alternative and can be a good way to reduce expensive credit card debt as well…
Note: The Lending Club is no longer a real P2P lender. All loans are now made by WebBank, a Utah-chartered Industrial Bank.
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Virgin Money
Virgin Money (previously CircleLending) is a peer-to-peer (P2P) lending site that helps facilitate loans between friends and families.
Since banks are cut out of the loop, borrowers end up paying much less interest on the loan. Also, since an experienced lender is involved, everyone can avoid the many pitfalls of borrowing money from family and friends…
Note: Virgin Money US is now a dead site. The URL no longer resolves.
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