Prioritize must-pay bills first
Protect housing, utilities, and transportation.
- ✓Call providers early if you need a payment plan.
- ✓Confirm due dates so late fees do not stack up.
- ✓Avoid paying non-essentials until the gap is closed.
Unexpected bills happen. Use these ideas to bridge a gap responsibly — and know when a short-term loan may be the right fit.
Look for free or low-cost help
Community resources can reduce what you need to borrow.
- ✓Ask employers about payroll advances or hardship resources.
- ✓Check local assistance for utilities or food support.
- ✓Sell unused items for quick cash without new debt.
When a short-term loan can help
Use credit for true shortfalls you can repay soon.
- ✓Borrow only what you need to cover the urgent expense.
- ✓Confirm repayment fits your next paycheck(s).
- ✓Apply with a licensed lender and read terms carefully.