This site covers US payday lending rules and alternatives only.A typical two-week payday loan fee can annualize to 300%-400% or more.Credit union PALs are a real, federally-regulated lower-cost alternative.Nothing you type into the calculators here is sent anywhere.We are not a lender — this site never facilitates taking out a payday loan.Free, nonprofit credit counseling exists and is often worth trying first.This site covers US payday lending rules and alternatives only.A typical two-week payday loan fee can annualize to 300%-400% or more.Credit union PALs are a real, federally-regulated lower-cost alternative.Nothing you type into the calculators here is sent anywhere.We are not a lender — this site never facilitates taking out a payday loan.Free, nonprofit credit counseling exists and is often worth trying first.

Free download

The Payday Loan Decision Worksheet

List the loan terms you're being offered, compare the real annualized cost against a PAL, a wage-access app and a biller extension, and walk into any decision already prepared.

A single page to work out the real annualized cost of any offer
A plain comparison of payday loans, PALs, wage-access apps and biller extensions
Questions to ask any lender before you sign anything
Where the free help actually is, and how to find it

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

See the real cost Free worksheet