Be Careful With Easy Payday Loans
There are better alternatives. Let’s help you find some.

Beware of quick payday loans. No matter how desperate your situation, you can’t make things better by making them worse. Payday loans are often predatory and designed to trap you in a cycle of high interest debt.

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Are There Alternatives to Payday Loans Near Me?

There are always alternatives to payday loans, and in the 21st century they’re ALL near you – as close as your keyboard or cell phone, in fact. You’re smart to avoid direct payday loans. Plenty of places promise the best payday loans, but let’s be honest – the best payday loans don’t exist. Payday loans should be your last option when you’re in need of emergency cash loans.

See, payday loans are essentially high-interest advances on your next paycheck. They’re rarely for terms of longer than a few weeks, and interest rates can be in the triple digits. In theory, a payday loan can help bridge the gap between today’s needs and next week’s paycheck. In reality, payday loans quickly become a cycle of debt and high interest rollovers that leave you paying back what you’ve borrowed many times over. They’re also largely avoidable when you take a moment to learn about your alternatives.

That’s what we do – we discuss alternatives. We don’t loan money or make big promises just so you’ll feel better. What we can do is help you make informed decisions and provide connections to lenders who specialize in situations much like yours. The rest is up to you.

Pros Girl

Pros & Cons of Payday Loans


  • Generally easy to qualify for. If you can document your income, you can probably get a payday loan.
  • Potentially help you deal with emergency repairs, collection agencies, or purchase essential goods.
  • If you repay on time, they won’t harm your credit or lower your credit score.
Cons Boy


  • Even more than high interest credit cards, payday loans can lead to a cycle of debt, missed payments, and late fees.
  • Many payday lenders operate as predators, not partners. Their business model is not built on helping you pay down your debt or improve your credit. They are, in fact, relying on the opposite.
  • Unlike traditional banks and credit unions or reputable online financial institutions, payday lenders are often poorly regulated. It’s very difficult to pursue a complaint against them if you’re misled or mistreated.
  • There are almost always better options than searching for “payday loans near me” and taking whatever’s available. It’s possible to avoid payday loans online or in person and still get the emergency cash you need.

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We connect you with the lenders most likely to fit your circumstances and meet your needs

At Cashry, we educate, encourage, and connect. We don’t loan money. We have nothing invested in which of the many alternatives to payday loans you choose – or whether you choose any of them at all. What we are very good at, however, is helping people very much like yourself to better understand and compare your options for personal loans, debt consolidation, emergency cash loans, or other financing. Our company vision is built around a core conviction that most of us are perfectly capable of taking more effective control of our personal or small business finances if we’re only provided with the right information, connections, and opportunities.

We know that many players in the financial world rely on keeping things as confusing and frustrating as possible. It’s not just payday lenders, but here’s your fast payday loans online warning: be careful with easy payday loans. And by “be careful,” we mean it’s almost always best to avoid direct payday loans altogether. There are alternatives to payday loans, whatever your situation.

Cashry maintains a curated database of reputable online lenders and other financial institutions with an online presence. We know which ones specialize in short-term loans for bad credit and which ones are better for vehicle purchases or refinancing your mortgage. We monitor interest rates, start-up fees, and customer satisfaction rates on a daily basis. We also have years of feedback from clients letting us know what’s worked best for them and what options they’d like to see in the future.

When you let us know what you’re looking for, or what problem you’d like to solve, we’ll gather a little basic personal information that helps us connect you with the lender or lenders most likely to help you solve that problem satisfactorily. It’s then their job to woo you and earn your business. This part is key – you’re always the customer. No matter what your credit score or your circumstances, you’re the customer and you deserve to be treated as such. Always.

Not all debt is created equal. Some debt can be practical - like financing a home or purchasing a reliable vehicle with reasonable financing. Other debt may sometimes become necessary - paying for a wedding or vacation, for example, or consolidating multiple high-interest loans into a single, more manageable installment plan in order to save money and take more effective control of your finances.

Payday loan debt is arguably the worst sort of debt. Payday loans don’t establish installment plans to be repaid over the next six months or longer at a reasonable rate of interest. Instead, they offer you a small slice of your next paycheck now in return for all of your paycheck when it arrives in a week. Then, because you’ve effectively sacrificed a percentage of that check before it’s even deposited, you’re more likely to run short again in a few more weeks, and the pattern repeats itself endlessly.

Many experts advise avoiding debt altogether. If that’s not practical, however, we can help you begin to think more strategically about debt. You have options. You deserve better. When emergencies arise, don’t take the first thing that comes along, no matter what the terms. Give yourself a little credit even when it feels like no one else will. Take a breath. There may be better ways.

We’re not here to tell you what you should have done in the past. We’ll never try to tell you what to do now or in the future. What we can do is offer some insight, inspiration, tools, and connections which can make it easier to make better decisions. Let’s look at ways to take control of your debt instead of letting your debt control you.

When life comes at you sideways, the last thing you may be thinking about is your credit score. But that’s the whole problem with “crisis mode,” isn’t it? It’s difficult to think clearly or plan for the future. Our entire focus is on dealing with whatever’s in front of us. That’s what makes payday loans or other exploitative “solutions” so tempting.

We get it. Most of us have been there at one time or another. There are a few things you should ask yourself, however - no matter how urgent this exact moment may feel:

How many more times do you want to be in this situation, or another one like it? How much better would your life feel if you knew you had options when problems arise? Or if you could avoid many of those problems to begin with? What would that do for your finances? Your relationships? Your peace of mind? Your blood pressure?

You have options. You may not be able to control everything about the future, but you can control more than it probably seems right now. That often starts by avoiding payday loans or other desperation maneuvers. Take a brief moment to explore other options for short-term, unsecured personal loans. Then, as soon as this particular crisis has passed, let’s start looking at ways to begin strengthening your financial situation. Let’s talk emergency savings. Cutting monthly expenses. Maintaining a household budget. Improving your credit history and raising your credit score.

There’s nothing quick or easy about it, but it IS possible - and you’ll begin seeing changes more quickly than you probably think. Don’t wait for the next crisis. Let’s handle this one better than the last one, then stop the next one from coming at all. Are you ready?

It’s easy to make excuses for not making and maintaining a working budget. We tell ourselves we don’t have the time, or that we already know how much we make and where it all goes, or even that we don’t actually make enough money to need a budget. None of these are good reasons to avoid making and using a budget. Most of the time, they’re also not the full story.

In reality, most of us fear having a budget for two big reasons. First, we’re afraid it will somehow tell us what we can and can’t do - that it will “control” how we spend our money. Second, we’re not sure we really want to know where our money goes each month. Things are stressful enough without having facts and information in front of us!

Starting a budget does take time. It requires commitment to create it and determination to refine it as you recognize the things you’ve overlooked or inaccurately estimated. But no budget can “tell you what to do.” It’s paper, or a spreadsheet on your computer, which you create and control entirely. Yes, it can be difficult to see our own choices and priorities broken down into dollars and cents. Some of the things we think don’t matter to us seem to consume a LOT of our resources. Other things we claim are important to us may not receive the financial attention they deserve. An effective budget makes those realities clear to us - sometimes clearer than we’d like.

A good budget won’t necessarily solve all of your problems. It won’t actually create more money in your pocket. But as a wise man once said, “the truth will set you free.” We can’t make better choices about where we’re going until we know where we are. And we can help you get started... TODAY.

Like budgeting, cash management is all about taking an informed, hands-on approach to your income and all your various expenses and obligations. While budgeting focuses on the amounts you bring in and where you choose to spend them, cash management has to do with the details - the day-to-day decisions which tend to add up over time.

When you decide to hold off on fixing your car until you get that raise you’ve been promised, that’s a cash management decision. You’re avoiding another major expense on your credit card, but also taking the risk you might break down on the way to work before you’re able to pay for the repairs. When you choose to consolidate multiple high-interest debt into a single, lower-interest personal loan, that’s cash management. You’re saving money not through what you buy or when you buy it, but by making better decisions about how you pay for things and how much your credit is costing you along the way.

Payday loans are almost always bad cash management decisions. They may seem quick and easy, but that’s part of the problem. Many payday lenders prefer that you not give too much attention to the interest rates or other terms you’re agreeing to, because they know you have better options and they don’t want you to look into them.

Goalry doesn’t lend money. Our role is to inform, and to connect people just like you with better options. What you choose to do at that point is entirely up to you. That’s cash management, Goalry style.

It may seem crazy to talk about building your savings when you’re considering a payday loan or other quick emergency cash loans. But this is the perfect time to get serious about creating a small savings account to help you weather the exact sorts of circumstances you’re confronting right now.

Most experts recommend having at least three months’ worth of income in an easily-accessible savings account. If that’s not realistic right away, we suggest building towards one months’ worth of income. Don’t worry if you can’t get there overnight. Even setting aside a few dollars each week is an important step towards establishing your own emergency savings account.

Money you spend from savings doesn’t cost you anything beyond the dollar amount you spend. It’s money you’ve already earned, making it literally “interest-free.” When you borrow, on the other hand, you’ll always pay at least some interest. Often, there are startup fees or other charges as well. If you’re late with repayment, those extra costs accumulate quickly.

If you need an emergency cash advance to get through your current situation, we’ll help you make the best of it. You don’t have to resort to predatory payday loans or sketchy local storefronts. But let’s not stop there. Let’s look at practical ways to begin building up a small savings account so that the next time life throws you a curve, you’re ready. You’ll be surprised how much difference it makes.

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Beware Of Quick Payday Loans

We get it. Sometimes life comes at you sideways and you find yourself desperate to pay that bill, keep that vehicle, or simply put food on the table. The best way to avoid direct payday loans is to do so well ahead of time, with practical budgeting, establishing emergency savings, and disciplined spending habits. If you find yourself needing help NOW, you may not have “good” options – but that’s not the same as having no options at all. Don’t look for the “best payday loans” – best payday loans don’t exist.
We may not be able to change yesterday, but we always have some control over tomorrow. We can help you take a breath and think through your options. Have you contacted your creditors to let them know you’re trying to come up with a solution? Could you approach your employer about an advance? How about family members or close friends who you’ve helped in the past?
Have you tried applying for a short-term loan at your local bank or credit union, or with a reputable online lender? You should avoid payday loans online, but there are reputable online lenders who specialize in helping you rebuild your credit without exploiting you.

Alternatives to Payday Loans: What You Need to Know

Here’s the crux of the matter: being in a tight spot doesn’t make you a bad person, nor should it mean you have to let yourself be taken advantage of. If you have bad credit, you may not be able to secure the same terms as you would with a higher credit score. Once you’re past your current need for emergency cash, it’s time to start building better financial habits and planning towards the future. And yes, you can.

But for now, beware of quick payday loans. Beware of answers that sound too easy or promise too much.

You don’t have to look for long to discover that with payday loans bad credit are expensive and not always designed to solve your problem so much as to extend it. Take ten minutes to Google “predatory lending” or “better day loans” and you’ll see what we mean. Not all lenders are the same and not all loans are the best option for you. You probably have more choices than you think, and we’re proud of our history of helping people in situations very much like yours figure out those options so they can make those choices for themselves.

You may have some rough times ahead as you navigate your way through whatever mess you feel like you’re in at the moment, but they don’t have to be as hard as they may seem. And you don’t have to do it alone. Let’s get started and see what we can do to help.

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  • In the State of California, Cashry, LLC is licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law. Cashry’s California license #60DBO 66864 can be viewed by clicking the image on the left.
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