No affiliate links
We take no money from the lenders, apps or exchanges we cover, so nothing here is for sale.
Laws linked to the source
Every law we name links to its official text on a government site.
Fact-checked and dated
Rates, fees and rules are checked against primary sources and show when they were last updated.
Cheaper options first
Before any high-cost loan, we show the safer alternatives and what each one really costs.
Scams and rule changes to know about
Plain answers about money
US Financer is an independent guide to borrowing, credit, debt and crypto for people in the United States. We work out what things really cost, in dollars, before we say whether they make sense.
We are not a lender, broker or exchange. We do not take loan applications, sell data or run affiliate links. When we compare companies we only include ones we can verify as licensed or registered, and every option gets its real weaknesses.
Start where your question is
Three sections, written for the moment you actually need them.
Loans and borrowing
Payday, installment and personal loans, cash advance apps and emergency money, with the true cost of each.
Credit and debt
Credit scores, reports, collectors and the ways out of debt, with the federal rules that protect you.
Crypto, explained
What coins are, how to buy and store them safely, how they are taxed and how to spot a scam. Education, never price calls.
Newest in each section
Credit and debt
- Illinois Loan Laws: Payday, Title and Installment RulesOct 16
- Tennessee Loan Laws: Payday, Title and Installment RulesOct 16
- Delaware Loan Laws: Payday, Title and Installment RulesOct 16
- Ohio Loan Laws: Payday, Title and Installment RulesOct 16
- Florida Loan Laws: Payday, Title and Installment RulesOct 16
Need money fast? Read this first
The CFPB notes that a typical payday loan charges about $15 for every $100 borrowed, which works out to an APR of almost 400% over two weeks.
Our emergency money guides start with the options that cost less: credit union payday alternative loans, employer advances, hardship plans and local assistance programs.
Know your rights as a borrower
Federal laws limit what lenders and debt collectors can do, including the Truth in Lending Act, the Fair Debt Collection Practices Act and the Military Lending Act.
Our rights guides explain each law in plain words, link the official text and show where to file a complaint when a company crosses the line.
Popular topics
Quick ways into the questions readers ask most.
Payday loans
How they work, what they cost and where they are banned or capped.
Cash advance apps
Fees, tips, limits and what happens if you cannot repay on time.
Credit scores
What moves your score, how to read your report and how to dispute errors.
Debt help
Consolidation, counseling, settlement and your rights with collectors.
Crypto taxes
How the IRS treats crypto, Form 1099-DA and what you must report.
Scams and red flags
How to check a company is licensed and where to report fraud.
Who writes and checks
Seven bylines, one standard: every figure matched to its source and every law linked to its official text.
Want to check our work?
See how we research, rate and compare, and how to report an error. We fix confirmed mistakes and log every change on the page.
The laws behind our guides
When an article names a law, it links the official text on a government site. These come up most.
Latest guides
Idaho AG warns Idaho Power customers of utility scams tied to nearly 400 accounts
Idaho’s attorney general says nearly 400 Idaho Power accounts saw fraud.[…]
Illinois Loan Laws: Payday, Title and Installment Rules
Payday lending is still legal in Illinois, but since March 23,[…]
Tennessee Loan Laws: Payday, Title and Installment Rules
Payday lending is legal in Tennessee. The Deferred Presentment Services Act[…]