Managing Your Payday Loan
Credit Score
Consumer Protection

Get a Payday Loan Today

First Name:
Last Name:
I have a regular source of income.
I receive at least $1000/month.
I have a bank account.
I have read and agree to the Terms & Conditions of this website.

You Want to be a Responsible Payday Loan User

Responsible payday loan borrowers use common sense to make the system work for them. Irresponsible users forget common sense and find themselves in a deeper mess than when they began. Requesting a cash advance through a payday loan service can be the best—or worst—decision you make. Whether payday loans ultimately help or hurt you is up to you. That’s why you need to know how smart consumers take advantage of payday loans, and not the other way around!  

Looking For More Financing Options?

Making a budget

If you need a payday loan, filling out the fast online sign up form is NOT the first thing you should do! Making a sensible, realistic budget is the first thing you should do.

Figure out what your monthly expenses are. Consider organizing your expenses by necessity (food; rent or home mortgage; auto loan and gas; essential home or auto repairs that can’t wait), high priority (home or car repairs that need to be fixed in the near future; tuition or school supplies if you’re a student; personal savings); and lower priorities (entertainment; nonessential clothes; vacations).

Once you see your actual expenses on a sheet of paper, you will have a clear picture of your financial standing. You might even find a way to make ends meet without a payday loan, in which case, good for you! Conversely, you might realize that you need to request a slightly larger cash advance than you originally thought. Either way, you’ll be taking control of your finances by objectively evaluating your current situation.

Making the system work for you

Payday loans are helpful only when you find yourself in an emergency situation that can't wait until your paycheck arrives. Personal Loans Help can help you find reputable lenders in an emergency and on short notice!

Things You Need To Know

  • A credit score is a three digit number between 300 and 850.
  • Credit scores limit and open your personal loan options.
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