Payday Loans: Find Better Alternatives

When you’re faced with an emergency – car repairs, medical bills, or other unexpected expenses – it seems your only choice is a payday loan. It is not. You have other options that are far less expensive and risky than payday loans.

We’ve looked across the country and found local and regional resources that can help with emergency expenses, whether through relief programs or small loans. Select your state below and find options near you.

About these resources

What are these organizations – and why should I trust them?

NerdWallet has screened these organizations to ensure they offer consumer-focused services, either through low-interest loans or financial assistance.

These local community centers and nonprofits serve people who need help with rent, transportation, utility payments, or other emergencies. They are part of your community and have a track record of helping people like you. Many offer advice and education to help you make informed financial decisions, even after the immediate crisis has passed.

Not only do these organizations offer an alternative to payday loans, but they also help stave off a cycle of debt that can trap you for years. This allows you to make the right financial decisions for you and your family well into the future.

Why is NerdWallet interested in payday loans?

NerdWallet’s mission is to provide consumers with clarity for all of life’s financial decisions – from immediate concerns to paying for basic necessities to long-term decisions that guide you to a life free of financial stress.

Toxic Loans made by payday lenders complicate this path. Payday loans trap millions of consumers in a cycle of debt every year.

Our goal is to support organizations that offer better alternatives and promote financial education.

More on payday loans and alternatives

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