We explain short-term borrowing honestly so you can choose the least expensive way through a cash crunch, or avoid a loan altogether.
Who decides what we cover
We do. Topics are chosen because readers need them, not because someone has paid for them. Our disclosure page explains how the site is funded.
Where our facts come from
We check our guides against the Consumer Financial Protection Bureau, the Federal Trade Commission, the National Credit Union Administration, the Department of Defense rules for the Military Lending Act and state financial regulators.
How articles are produced
We use AI tools for research and first drafts. A draft isn’t published until we’ve checked its facts, figures and rules against official or primary sources and edited it. We’re responsible for every article on the site, however it was drafted.
Research, not testing
Our guides are based on research. Where an article involves products or services, we haven’t tested them ourselves unless we clearly say so.
Keeping guides current
Rules, limits and prices change. We review articles and update them when something important changes, and we encourage readers to confirm time-sensitive details with the official source.
Fixing mistakes
Spotted an error? Email support@paydaytop.com with the page and what’s wrong. We look at every report and correct confirmed mistakes promptly.