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Responsible borrowing

A loan can help with a short gap or an unexpected cost. Borrow with a plan.

Last updated: October 18, 2026

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Borrow only what you need

Ask for the smallest amount that covers the gap. A smaller loan usually means smaller fees and interest.

Have a payoff plan

Before you sign, check that your income can cover each payment and your regular bills. Write down your bills and your pay dates, and see what is left after the loan is repaid. A short term loan is usually due on your next pay date.

Know the cost

Your lender must show you the full cost and the APR before you sign. Short term loans are expensive: in California the fee can be up to 15% of the total, so for $255 you repay up to $300. See Loan Rates for examples and how the APR works.

Compare your offers

The first offer you see may not be the cheapest. Some partners may pay Dino Loan more than others, so compare your offer with other options before you accept. See our Ad Disclosure.

Read the agreement

Before you sign, read the whole loan agreement. Check the APR, the total you repay, the due date, the fees for late or returned payments, and what happens if you cannot pay.

Avoid borrowing to repay

Taking a new loan to repay an old one can make debt grow fast. California does not allow a short term loan to be rolled over into a new one. Try to have only one short term loan at a time.

Other options to consider

  • A small loan from a credit union, which often costs less.
  • A payment plan with the company you owe, like your utility, phone company or landlord.
  • An advance from your employer.
  • Free help from a nonprofit credit counselor. You can find one at nfcc.org.
  • Help with bills, food and housing from 211. Dial 211 or visit 211.org.

If you cannot pay on time

Talk to your lender before your due date and ask about a payment plan. California does not allow a short term loan to be rolled over into a new one.

If you are not matched

You owe nothing. The options above may still help.

Get free help

Nonprofit credit counseling agencies can help you make a budget and a plan for your debts, often at little or no cost. The National Foundation for Credit Counseling, at nfcc.org, can help you find one.