Which Short-Term Borrowing Option Fits You?
By the 90DayLoan team · Updated November 3, 2026
Quick answer: If you belong to a federal credit union, a payday alternative loan (PAL) is often the cheapest place to start because federal rules cap its APR at 28%. If you need more time or more money, compare installment loans by APR. Always check that a lender is licensed in your state.
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FAQ
What is a payday alternative loan?
A small-dollar loan offered by federal credit unions under NCUA rules, with a maximum APR of 28% and limits on fees and terms.
Does this quiz affect my credit?
No. It runs in your browser and nothing is sent to us or to lenders.
Is this financial advice?
No. It is general education to help you decide what to compare first.
Sources: eCFR: 12 CFR 701.21 (PAL rules) · CFPB: What is a payday loan?
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