Responsible Lending
Borrow Responsibly
Payday loans should only be used for short-term financial emergencies. Before applying:
- Borrow only what you can repay - Don't exceed your repayment ability
- Understand the cost - Review APR and total repayment amount
- Have a repayment plan - Know where the money will come from
- Consider alternatives - Explore credit unions, salary advances, or payment plans
Warning Signs
Payday loans may not be right for you if:
- You need money for non-essential expenses
- You can't afford to repay on your next payday
- You're already behind on other bills
- You've rolled over loans multiple times
Get Help
If you're struggling with debt:
- Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
- National Foundation for Credit Counseling: 1-800-388-2227
- State financial regulators: Check your state's banking department
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000
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