Payday Loans: How They Work, What They Cost, and What to Know First
Learn how payday loans work.
Payday Loans
Learn how payday loans work and how to find the right alternative for you.

Emergency Funds
Do Payday Loans Check Credit? What Lenders Really Look At
Payday lenders don't conduct traditional credit checks, but are going to verify your ability to repay the loan. See how payday loans check eligibility.

Written by Jeanine Skowronski, CEPF
| May 20, 2026
9 MIN READ
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Emergency Funds
Do Payday Loans Show on Your Credit Report? What You Need To Know
Do payday loans show on your credit report? Find out when lenders report, how collections work and what it means for your credit and what you can avoid.

Written by Jeanine Skowronski, CEPF
| May 13, 2026
11 MIN READ
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Emergency Funds
What Happens If You Don’t Pay Back a Payday Loan?
Not sure what happens if you don't pay back a payday loan? Here's what to know about any possible consequences, fees collections, your options to resolve.

Written by Rudri Bhatt Patel, CFHC™
| May 7, 2026
13 MIN READ
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Emergency Funds
Online Payday Loans in New York: How to Get Cash Today
Wondering about your options for payday loans in NY? Whether you need same day loans or instant loans online, get in the know on your options!

Written by Jacinta Majauskas
| April 10, 2026
7 MIN READ
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