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General Info (1)+

  • Rent-to-Own: Costly Convenience

    If you need furniture, appliances, consumer electronics, or tires and wheels, but don’t have the cash or credit to buy them outright, you may think a rent-to-own store is your last option. These businesses collect weekly or monthly payments and, if you make all your payments, you’ll own the item at the end of the contract. A typical contract may be for 12, 18 or 24 months. The longer the contract, the more you end up paying. Read More

    By:
    Federal Trade Commission
    Read this in:
    Spanish / Español

Payday Loans (3)+

  • Payday Loans

    A payday loan is a small, unsecured, high interest, short-term cash loan. In most cases, consumers write a post-dated, personal check for the advance amount, plus a fee. The lender holds the check for the loan period and then deposits it, or the customer returns with cash to reclaim the check. Read More

    By:
    Washington State Department of Financial Institutions
    Read this in:
    Spanish / Español
  • What is a Payday Loan?

    A payday loan is a short-term, high-cost loan that must be paid back on or before your next payday, whether your income is from employment or government benefits. Payday loans are made by storefront lenders, check cashers, pawn shops, credit unions, and Internet-based providers. Publication #0600EN Read More

    By:
    Northwest Justice Project
    Read this in:
    Spanish / Español
  • When You Cannot Pay Off Your Payday Loan

    Options on what to do when you can't pay off your payday loan on time. Publication #0601EN. Read More

    By:
    Northwest Justice Project
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