Alternatives to Payday Loans and 90-Day Loans
Updated November 1, 2026
90 Day Loan is an independent information site, not a lender or loan broker, and does not make credit decisions. Guides are general information, not financial advice.
Short-term loans solve a cash gap but can create a bigger one. These options are often cheaper or free.
Options to try first
| Option | Cost | Good for |
|---|---|---|
| Payment plan or due-date change with the biller | Often free | Utility, medical and phone bills |
| Employer paycheck advance | Often low or no fee | A one-time timing gap |
| Credit union PAL | 28% APR max, up to $20 fee | Borrowing $200 to $2,000 |
| 211 and local assistance programs | Free | Rent, utilities, food |
| Nonprofit credit counseling | Often free or low cost | Several debts at once |
Watch out for debt relief scams
The FTC warns against companies that charge fees before settling or reducing your debt, or that promise to stop all collection calls. Legitimate nonprofit counselors explain their fees up front.
Tell us what you need and licensed partners may reach out. Compare options
If you still need a loan
Compare offers by APR and total repaid, and read our guides to credit union PALs and installment loans.
This guide is general information, not financial advice. Loan rules, rate caps and which products are allowed differ by state. Check a lender's license with your state regulator before you apply.
See your options
Answer a few questions and licensed partners may contact you. Free, no obligation; we are not a lender and this does not affect your credit score.
- Short form
- Free, no obligation
- Not a lender
Tell us what you need and licensed partners may reach out. Compare options
Sources
- FTC: How to get out of debt
- FTC: Fake loans and advance-fee loan scams
- Federal Register: NCUA Payday Alternative Loans (PAL II) final rule
- 211: Find local help
Related guides
- 90-Day Loans: How They Work, Costs and Safer Options
- Credit Union Payday Alternative Loans (PALs) Explained
- Short-Term Loans: Types, Costs and How to Choose
- Installment Loans vs Payday Loans: What's the Difference?
- How to Check if a Lender Is Licensed (and Spot Loan Scams)
- 90-Day Loans for Bad Credit: Options, Costs and Traps
- 90-Day Loans With No Credit Check: The Honest Truth
- 90-Day Loans by State: Rules and Where to Check
- 90-Day Loan vs Payday Loan: Which Costs Less?
- $1,000 90-Day Loan: Payments, Total Cost and Where to Look
- $2,000 90-Day Loan: Payments, Total Cost and Where to Look
- $3,000 90-Day Loan: Payments, Total Cost and Where to Look
- 90-Day Loan Calculator