Alternatives to Payday Loans

 Contact your creditors to see if they will give you more time to pay your bills. That way you can pay them when you have the funds available.

 Borrow from a friend or family member.

 If a loan is unavoidable, shop around. Although payday loans may be the only option for certain borrowers with poor credit, you may be able to find a bank or credit union that will approve a small loan with a reasonable interest rate. Compare both the APR and the dollar amount of the finance charge.