Every payday rate. Every state law. Every safer alternative. Stripped of marketing, sorted by math, published in plain English.
A two-week, $300 loan at $45 in fees works out to roughly 391% APR. In Texas it can hit 664%.
// Inside the vault
Each tool stands alone, but they're built to be walked in order — diagnose, compare, escape.
Sortable, filterable map of payday rates in every U.S. state.
APR caps, bans, and legislative status — refreshed quarterly.
PALs, EWA, nonprofit hardship loans, and the questions to ask.
Plug in fees, watch the APR explode in real time.
Scripts for collectors, complaint links, free legal aid.
Built on CFPB, NCSL, OpenStates — all sources cited.
// Coast to coast
Cross a state line and your APR can move 600 points. The Rate Atlas plots every jurisdiction on one screen.
Explore the Atlas →// House rules
We never make money when you take out a loan. Anywhere.
No countdown timers. No 'pre-approved' bait. No urgency theatre.
Every calculator shows its work. Every chart links to its source data.
Before you sign a payday contract, walk through six safer routes. It takes 90 seconds.