Considering a payday or installment loan from a tribal lending entity? Be sure you understand all applicable laws before entering into any agreement. Read more ›

Before applying for an online payday loan, always contact the lender by telephone to ask questions. By doing that, you can see the level of customer service they provide and avoid major problems down the road. Read more ›

Before doing business with an online payday lender, do a reverse IP check to see how many sites are sharing a single IP address. Rogue lenders and identity thieves tend to have hundreds or thousands of websites on a single address. Read more ›

When applying for payday loans, honesty is the best policy for getting your application approved. Overstating financial health and understating existing debt will be discovered quickly, can get your current application denied and may hurt your chances of getting future loans. Read more ›

Only apply for a payday loan when you are absolutely certain you qualify. If your application is denied, the fact that you applied will remain in your record permanently. Too many denied applications may make it more difficult to get future loans. Read more ›

Many state laws limit maximum payday loan amount to 25% of a your gross pay. One state even limits the amount to 15% of your income. Although rogue lenders may offer to loan you more than 25% of your income, there are good reasons to never borrow more than 15% of your gross pay. Read more ›

Payday loans are short-term, high-interest loans intended for emergencies. They’re expensive credit and, even in emergencies, should only be used as a last resort. Read more ›

Public schools sometimes serve a ground ‘meat’ patty covered in gravy for lunch. It’s often difficult to identify the primary ingredient of this ‘mystery meat’ but, with enough gravy, it doesn’t taste that bad. Mystery meat lenders, on the other hand, should be avoided at all costs. Read more ›