More than 12 million Americans take out a payday loan each year. Why are they so popular? People turn to these short-term loans because they give borrowers access to quick cash in emergencies. Unfortunately, borrowers often don’t realize just how the payday loan works and whether they can truly afford to take one out. What […]
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Many West Virginia residents wrestle with credit card, student, payday, medical and other debt types. West Virginia ranks below average in unemployment (5.2%) and has a concerning poverty rate of 16.3%. The average West Virginian has $5,719 in credit card debt, but the state is among the lowest in the U.S. for per capita mortgage
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Many Idahoans wrestle with auto, credit card, payday, medical and other debt types. Even though The Gem State has a rapidly growing economy with 4.4% GDP growth, and a extremely low unemployment rate of 2.6% (#3 of all states), 10.1% of residents live below the poverty line. Many struggle with debt. The average Idahoan has
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If you’re stuck in the payday loan debt trap, it may feel like you don’t have any options. What happens if you don’t have the money to repay your payday loan on the due date? Can you get an extension? What Can I Do If I Can’t Repay My Payday Loan? Payday lenders are fully
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By the end of 2022, student loan debt hit an all-time high of $1.75 trillion, with more than 45 million borrowers owing more than $30,000 each. In 2021, college graduates who took out student loans borrowed an average of $37,113 — about $12,000 more than borrowers from the Class of 2010. While students may have
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Needing a few hundred dollars to make ends meet is a common problem, and all problems are a chance for someone to make money. That’s led to the formation of countless online payday lenders. Unfortunately, a lot of them are more trouble than they’re worth for most borrowers. Today we’re going to be reviewing Spotloan
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Over the past decade, online lenders have taken the credit industry by storm. In 2017, over 73% of loans to new customers originated online. Storefront lenders are now a dying breed, but online lenders are multiplying exponentially. There are an endless array of options to choose from, whatever your needs and creditworthiness levels are. Updated
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In 2020, roughly 70% of Americans were living paycheck to paycheck. If their earnings were late by just a week, they’d have difficulty meeting their financial obligations. Operating on such a thin margin is what leads people to turn to companies like Evergreen Services. They promise easy and fast cash, but can you trust them?
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Have you ever done the math to see how long you could pay your bills without bringing in any money? For most Americans, the answer is less than a month. In 2020, 70% of the respondents in a survey stated that they would have difficulty keeping up with their financial responsibilities if they had to
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How much do you have in savings for surprise bills? A good rule of thumb for a healthy emergency fund is to have the equivalent of three months’ worth of expenses. Unfortunately, that’s an ambitious goal for many Americans. As many as 60% of Americans fail to meet that benchmark. It’s understandable, then, that there’s
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