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Before payday
13 pagesCheck a cash gap, advance fees and the bills due next.
- Guide
Short before payday? Start with the gap.
Start with the amount you need and its due date. Then check your options and the bills that follow.
Read the guide Would a later bill date help?
ToolCan you get through payday without another advance?
ToolPaycheck advance cash and fee calculator
ToolCheck advance repayments and bills by date
ToolWhat is a paycheck advance?
GuideAfter an advance: what to check
GuideWhat does a paycheck advance cost?
GuideDoes a paycheck advance affect credit?
GuideHow your advance is paid back
GuidePaycheck advance or payday loan?
GuideWhat should you check before accepting an advance?
GuideWhen might a paycheck advance fit?
Guide
Personal loans
14 pagesUnderstand an offer and compare ways to cover an expense.
- Guide
How a personal loan works and what it costs
See what cash you get, what you repay and when. Use the tools below to compare the full cost.
Read the guide What will a personal loan cost after fees?
ToolWhich personal-loan offer costs less?
ToolPersonal loan vs. credit card calculator
ToolWhat to do after taking a personal loan
GuideHow to compare personal-loan offers
GuideWhat does a personal loan cost?
GuideHow can a personal loan affect your credit?
GuideHow does a personal loan work?
GuideWhat do lenders check for a personal loan?
GuidePersonal loan or credit card: which fits?
GuideWhat should you check before taking a personal loan?
GuideWhen does a personal loan make sense?
GuideHow can you pay for a large expense?
Guide
Debt payments
17 pagesCompare consolidation, other debt options and payments still due.
- Guide
What can you do about debt payments?
Start with the next payment you cannot cover. See what to check before you move or combine debts.
Read the guide Consolidation hasn’t helped. What now?
ToolCompare debt consolidation payments and cost
ToolDebt consolidation loans: compare cost and payments
GuideWhat should you do after consolidating debt?
GuideBalance transfer or consolidation loan: which fits?
GuideWhat does debt consolidation really cost?
GuideHow can debt consolidation affect your credit?
GuideHow does debt consolidation work?
GuideHow much should you borrow after origination fees?
GuideNo fee or a lower interest rate: which costs less?
GuideAn origination fee can leave a debt-consolidation payoff gap
GuideConsolidation loan or debt management plan?
GuideDebt consolidation or debt settlement: what changes?
GuideWhat should you watch before consolidating debt?
GuideWhat happens when the consolidation loan does not cover every balance?
GuideWho is debt consolidation right for?
Guide
Research and sources
6 pagesRead the findings, methods, dated references and scope notes.
- Research
Original research
See what each study covers and where its limits are. Then explore the findings, sources and methods.
Browse the research When does a debt consolidation loan save money?
ResearchWhat a 5% loan fee adds to your cost
ResearchLoan versus card APR benchmarks
ResearchCorrection and scope note
ResearchCite our research
Research