Alternatives to payday loans

• Negotiate a payment plan with the creditor
• Charge the amount to your credit card
• Receive an advance from your employer
• Use your bank's overdraft protections
• Obtain a line of credit from an FDIC approved lender
• Borrow money from your savings account
• Ask a relative to lend you the money
• Apply for a traditional small loan
• Ask your creditor for more time to pay a bill
• Use a cash advance on your credit card

If you have evaluated all of your options and decide an emergency payday loan is right for you, be sure to understand all the costs and terms before you apply.

• Shop around for a trusted payday lender that offers lower rates and fees.
• Borrow only as much as you know you can pay back with your next paycheck.
• When you get paid, your first priority should be to pay back the loan immediately.