Five loan types, cataloged the way an auditor would — how each works, what it typically costs, and who it tends to fit. Reference material, not a recommendation of any one type.
A short advance against your next paycheck, usually repaid in one lump sum on your next payday. Approval is fast and often doesn't require a credit check, which is part of the appeal — and part of the risk.
You borrow a fixed amount and repay it in equal scheduled payments over months, not weeks. Costs vary enormously by lender — some are reasonable, some carry payday-level APRs dressed up in a longer term.
Uses your vehicle's title as collateral, so approval doesn't depend on income verification the way many loans do. The trade-off is real: missed payments can mean repossession.
Advances a portion of income you've already earned but haven't been paid yet. Structured around optional tips or flat membership fees rather than traditional interest, which can make true cost harder to compare.
A pool of credit you can draw from as needed, paying interest only on what you use. More flexible than a lump-sum loan, but the open-ended nature makes it easy to underestimate the running total.
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