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A pragmatic, expert-backed guide to using short-term credit as a one-paycheck bridge—with a concrete plan, safeguards, and a fallback if life happens.

A clear, data-driven comparison shows when a one-time payday loan fee can be more predictable—and sometimes cheaper—than cascading overdraft charges or card penalties.

A clear, expert-backed guide to using a short-term loan as a one-paycheck bridge—how to size the “gap,” avoid eviction and shutoffs, and keep it to a single cycle without rollovers.