We explain short-term borrowing honestly so you can choose the least expensive way through a cash crunch, or avoid a loan altogether.
Who decides what we cover
We do. Topics are chosen because readers need them, not because someone has paid for them. Our disclosure page explains how the site is funded.
Where our facts come from
We check our guides against the Consumer Financial Protection Bureau, the Federal Trade Commission, the National Credit Union Administration, the Department of Defense rules for the Military Lending Act and state financial regulators.
How articles are produced
Our articles are researched and drafted with AI tools. Before a draft can be published, an automated fact-check compares each specific figure, date and rule in it with the official or primary sources it was written from. Claims that can’t be matched to a source are taken out, and a draft that still doesn’t pass isn’t published. Articles aren’t individually reviewed by a person before they go live, so reader reports matter to us. We’re responsible for every article on the site, however it was produced.
Research, not testing
Our guides are based on research. Where an article involves products or services, we haven’t tested them ourselves unless we clearly say so.
Keeping guides current
Rules, limits and prices change. When we learn that something in an article is out of date, we correct it, and we encourage readers to confirm time-sensitive details with the official source.
Fixing mistakes
Spotted an error? Email support at paydaytop dot com with the page and what’s wrong. We look at every report and correct confirmed mistakes promptly.