Although fewer Americans file for bankruptcy every year, it’s still a reality that many must face. In 2018, Americans filed approximately 753,300 bankruptcies (source). In desperate moments, bankruptcy is a stressful but necessary process. But after bankruptcy, what comes next? How long does it take to recover? And how soon can you get approved for […]

We are all told to set aside money for a rainy day. But many of us do not have the means to fund a substantial safety net. A serious illness, car repair, or an extended furlough can easily deplete a budget. But what can you do in the face of a crisis if you have middling or […]

Government shutdowns affect millions of people but they are particularly hard on poor families and low-income workers. While Congress and White House staff members continue to get paid 800,000 federal employees have seen their paychecks stop. About 420,000 “essential” employees are working without pay. This includes IRS, NASA, and TSA agents. Approximately 380,000 workers have […]

Jump to a section Overview Review Interest Rates Requirements How To Apply Getting cash fast isn’t always easy, especially if your credit isn’t stellar. Cash Central is an online lender that offers both payday and installment loans to those who need money now. In this review, you’ll learn about the lender’s terms and features so […]

Is Payday Lending Evil?

Payday lending is bad, right? That certainly seems to be the accepted truth and the force behind a significant portion of America’s consumer financial regulatory policy in the last few years. Critics, which include the Consumer Financial Protection Bureau (CFPB), refer to payday loans as predatory and abusive “debt traps” (source). But is such criticism […]

If you need money fast, you may be tempted to consider a cash advance loan. There’s no doubt cash advance loans are a convenient and fast source of cash for emergencies. However, they are also a very expensive source of credit that everyone should avoid unless it’s a real emergency, and there are other choices. […]

APR calculation by loan type How to calculate the APR of a term loan a payday loan a line of credit a mortgage The key question to ask when comparing loans is “how much will this cost me?” Learning how to calculate the APR of a loan will allow you to compare apples to apples […]