Start with the total repayment
Always review APR, finance charges, service fees and the full amount due under the agreement.
Consider less costly alternatives
Options can include negotiating a payment plan, seeking assistance from community programs, or speaking with a credit union.
Know your rights
Consumer lending rules vary across US states. Check applicable regulations and any lender licensing requirements.
Avoid repeated rollovers
Renewing expensive short-term borrowing may result in escalating fees.