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High-Cost Financial Services

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The store front of a cash advance business.

While there are many excellent financial products available that can help you achieve your goals, there are certain types of loans that work better for you and your financial life. The more knowledgeable you are about your options the better equipped you are to choose the right loan product. To help you make wise borrowing and financial service choices, this module covers:

  • Prime credit, subprime credit, and predatory lending
  • Types of subprime credit products: payday loans, finance company loans, expensive credit cards, car-title loans, and pawn shop loans
  • Types of fringe financial services: check-cashing services and rent-to own retailers
  • Recovery methods
  • Financial alternatives