Get out of debt. Build credit. Reach your summit.

Expert financial advice for those who need it the most.

Get on the Road to Financial Freedom

Honest, actionable advice to help ordinary people get out of debt.

Researched, written and fact-checked by experts

Written in plain english so anybody can understand

Readers first - advertisers never influence our articles

personal finance advice

Getting Out of Payday Loan Debt

Every year, nearly 12 million Americans take out a payday loan, any many fall into the endless payday loan trap.  It's not easy, but it is possible to get out of payday loans without declaring bankruptcy.

Payday Loan Consolidation Scams: How to Avoid Them

Posted in

If you’re stuck in payday debt and interested in payday loan consolidation programs, you’re on the right track. Payday loan …

Payday Loan Consolidation Scams: How to Avoid Them Read More »

Can payday loans be consolidated?

Posted in

Payday loans start as a quick easy way to get cash when you need it, but if you don’t pay …

Can payday loans be consolidated? Read More »

11 Ways to Get Out of Payday Loan Debt for Good

Posted in

Table of Contents Getting out of payday debt is tough, but possible. Here’s how to get out of a payday …

11 Ways to Get Out of Payday Loan Debt for Good Read More »

Demystifying Payday Loan Debt

Knowledge is power when it comes to getting out of payday loan debt.  Here's what payday lenders don't want you to know.

What Happens If You Don’t Pay Back A Payday Loan?

By Credit Summit | March 15, 2020

Payday loans are appealing to people in a tight financial spot. They’re fast and easy to take out. They don’t require a credit check, either. But easy money comes with...

Can you go to jail for not paying a payday loan?

Although taking out a payday loan may seem like a quick solution to a temporary shortfall of cash, in the...

Can a Payday Loan Company Sue You?

Payday lenders make all sorts of threats, but can they actually take you to court? If you’re stuck in payday...

How Payday Loans Affect Your Credit

If you’re in a tough tight spot financially, you might turn to payday loans to help cover expenses in the...

Microfinance, Microcredit and Microloans

Microfinance empowers individuals to lift themselves and their community out of poverty all over the world.

Lender Reviews

Fast cash may seem appealing at the time, but think twice about who you borrow from.

6 Best Student Loan Refinancing / Consolidation Lenders

Posted in

If paying back your student loans feels like a burden you’ll never escape from, don’t stress – there are options …

6 Best Student Loan Refinancing / Consolidation Lenders Read More »

Bright Lending Review [2020]: Read Before You Borrow

Posted in

Taking out a Bright Lending loan can lead to a not-so-bright future. Many lenders are set up to provide loans …

Bright Lending Review [2020]: Read Before You Borrow Read More »

Majestic Lake Financial Review: Read Before You Borrow

Posted in

According to Finder.com, 114.4 million Americans took out a personal loan within the last year. Since the United States Census …

Majestic Lake Financial Review: Read Before You Borrow Read More »