Riley Draper

A girl looking in her purse.

How Many Payday Loans Can You Have In Each State?

Payday lending bears some relationship to the century-old practice of “salary buying,” a credit transaction in which a lender would buy at a discount the borrower’s next expected wage payment. The practice of extending a postdated check dates back at least to the Great Depression, according to the Consumer Federation of America. As the spread…

A Payday Loans sign.

What Happens When You Can’t Repay A Payday Loan?

Emergencies often happen when you least expect it, and if you’re not financially prepared when disaster strikes, the best thing you can do for yourself – and your finances – is to avoid payday loans, no matter how hard up for cash you are. These days, there are lots of payday loan lenders and direct…


What Are Payday Loans and How Do Payday Loans Work?

A payday loan is a unique type of short-term loan that is typically extended against a high-interest rate. It gets its name from the idea that a person might need a quick cash advance to tide them over through the end of the month until payday. Usually, a portion of the borrower’s next paycheck serves…

Debt Consolidation

Payday Loan Debt Consolidation: Smart or Stupid?

Have you experienced a financial emergency? Did you need to get a payday loan to cover it? And are you now stuck trying to pay that loan off? Payday loans can reel you in and make it hard to pay them off. Luckily, there is a payday loan consolidation option to consider. However, there are…


How to Check Payday Loan Databases for Outstanding Debt

Through the years, you may have acquired some payday loans and lost track of them. To start paying off your debt, you will need to know its size. Continue reading to learn how to find out if you have outstanding payday loans. What Is a Payday Loan? A payday loan is a short-term loan offered…


How to Make $100 a Day in 2021 (20 Proven Side-Hustles)

More and more people are looking into how to make money and land some extra cash in their pocket. We’ve scoured the internet to find 20 proven side-hustles that will earn you money fast and a minimum of $100 in a day and compiled them here to help you get started. There are no scams…

Bad Credit

Why No Credit Score Differs from a Zero Credit Score

Many people understand that having a high credit score is a good thing. After all, a high score means lenders are more likely to loan you money to cover large expenses like homes, cars, or other costly endeavors. Unfortunately, there is a misunderstanding about no credit and zero credit.  What is a Credit Score? A…

Loan text written on wooden block with stacked coins

The 4 Pros & 7 Cons of Payday Loans

Payday loans are a quick way to obtain cash when you need it urgently. Payday lenders offer financial services to people with no credit or low credit scores, an accessible way to get a cash advance when an emergency arises. If you have a regular income source, you can obtain a payday loan with few…

Credit Score Screen

Is A 700 Credit Score Good or Bad?

Like many people, you may be asking yourself, is 700 a good credit score? According to FICO, a credit risk assessment tool, over 59% of Americans have total credit scores of 700 or higher, but what does this credit score really mean, and how does it affect your credit report?  Your credit score can affect…


How to Raise Your Credit Score by 100 Points in 30 Days

Whether you’re looking for a new car, a home, or are simply looking to move into a new apartment, your credit score matters. Lenders use your credit score to set interest rates and decide if you’ll need a deposit, so having a poor credit score or no credit history can cost you a ton of…

A credit report.

How to Remove Credit Inquiries From Your Report

By Riley Draper / December 17, 2020 / Comments Off on How to Remove Credit Inquiries From Your Report

You may have looked at your credit report recently and noticed something that you aren’t familiar with: an inquiry. Or, you may have been denied a loan because you have too many inquires. In any case, credit inquires can be tricky. While it’s rare to find something inaccurate on your credit report, it can happen. This…

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A girl celebrating at her computer.

10 Ways to Borrow Money Fast (with Pros & Cons)

By Riley Draper / December 16, 2020 / Comments Off on 10 Ways to Borrow Money Fast (with Pros & Cons)

We’ve all been there. Inconveniences can come in many forms. We don’t all have a savings account we can fall back on when life comes knocking. Whether it’s for a car repair or some other inconvenience, sometimes borrowing money is our only choice. Fortunately, there are many different ways you can borrow money. However, some…

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