Options Beyond a New Loan
Find possible bill assistance, repayment arrangements, and lower-cost choices. Each guide covers a different decision or consumer question.
Alternatives for Urgent Bills Before Taking a Loan
Compare payment plans, assistance programs, and lower-cost credit before borrowing.
Facing a Medical Bill? Options to Review First
Explore billing corrections and hardship assistance before financing medical costs.
Car Repair Shortfall: Compare the Real Choices
Prioritize safety-critical repairs and compare quotes, timing, and financing costs.
Decision tree for a time-sensitive expense
Consider whether the expense must be paid today and whether non-credit options exist.
| Situation | First action |
|---|---|
| Payment deadline is negotiable | Request an extension in writing |
| Employer offers an advance | Confirm fees and payroll impact |
| Credit union membership | Ask about available small-dollar products |
| Borrowing is unavoidable | Compare total repayment and next-paycheck affordability |
What this means: Borrowing should not create a larger emergency at the repayment date.
Reference: CFPB consumer guidance. Figures are educational examples, not actual 89 Cash lender offers or guaranteed terms.