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
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.
How to Improve Your Credit Score From 500: A 90-Day Plan
How to improve a credit score from 500: a 90-day plan for damaged files, with disputes, secured cards, utilization tricks, and what to skip.
By Aaron Kim
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
Online Payday Loans vs Storefront: What Changes When You Apply From Your Phone
Online payday loans vs storefront: CFPB research shows online costs more and defaults more often. The ACH risk, the tribal trap, and who should pick which.
By Lena Whitfield
How to Budget on Irregular or Hourly Income (Without Giving Up)
Budgeting irregular income with a two-account system: pay yourself a fixed weekly salary out of variable gig pay, build a 4-week buffer, skip payday loans.
By Aaron Kim
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