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Look for a credit union a non-profit alternative to a bank. Many have begun to offer payday alternative loans, which are like payday loans in that they are for smaller dollar amounts, but they dont have high fees.
We spoke to John Fairbanks at the National Credit Union Administration who told us that Many credit unions have their own programs to provide small-dollar, short-term loans, either in lieu of payday loans or as a means of helping members get rid of existing payday loans so they can begin to rehabilitate their credit. Payday alternative loans are available through federal credit unions and have applications fees that are capped at 20 for the entire amount of the loan.
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