California Payday Loan Rate Cap: What AB 539 Did and Didn\
California\
By Carmen Ortiz
HomeBorrow Smarter
Borrow Smarter
Reporting, analysis, and plain-language explainers on payday loans, state rules, credit scores, and the lower-cost alternatives most borrowers never hear about.
Texas Payday Loan Laws and the Credit Access Business Loophole
Texas payday loan laws cap interest at 10%, but a Credit Access Business fee loophole pushes real APRs past 600%. See the math, your rights, and how to escape.
By Carmen Ortiz
Military Lending Act 36% Cap: What It Covers and Why Civilians Don\
The Military Lending Act 36 percent cap protects active-duty borrowers from 391% payday APRs. Here\
By Carmen Ortiz
Florida Payday Loan Laws: Fees, Limits, and the 60-Day Grace Period
Florida payday loan laws cap fees at 10% but a $500 loan still costs 304% APR. See the 60-day grace period rules and the installment loophole most articles miss.
By Carmen Ortiz
How to File a CFPB Complaint Against a Payday Lender That Actually Gets a Response
How to file a CFPB complaint that actually gets a response: the narrative structure, the parallel filings, and the 15-day clock that pressures payday lenders.
By Carmen Ortiz