Payday Loans: Find Better Alternatives

When you’re faced with an emergency – car repairs, medical bills, or other unforeseen expenses – it may seem like your only choice is a payday loan. It’s not. You have other options which are much less expensive and risky than payday loans.

We have scoured the country and found local and regional resources that can help with emergency spending, whether through aid programs or small loans. Choose your state below and find options near you.

About these resources

What are these organizations and why should I trust them?

NerdWallet has vetted these organizations to ensure that they are providing priority services to consumers, whether through low interest loans or financial aid.

These local community centers and non-profit organizations serve people who need help with rent, transportation, utility payments, or other emergencies. They are part of your community and have a history of helping people like you. Many offer advice and education to help you make sound financial decisions even after the immediate crisis is over.

Not only do these organizations offer an alternative to payday loans, but they also help avoid a cycle of debt that can trap you for years. This allows you to make the right financial decisions for you and your family in the future.

Why is NerdWallet interested in payday loans?

NerdWallet’s mission is to provide consumers with clarity on all of life’s financial decisions – from immediate worries about paying for necessities to long-term decisions that lead you to a life free from financial stress.

Toxic loans made by payday lenders complicate this path. Every year, payday loans trap millions of consumers in a cycle of debt.

Our goal is to support organizations that offer better alternatives and promote financial literacy.

Learn more about payday loans and alternatives

Know where every dollar goes

Find ways to spend more on the things you love and less on the things you don’t.

About Matthew R. Dailey

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