Payday loan resources are many, and they range from payday loan websites to federal agencies. For a general discussion of financial issues--interest rates, terms, kinds of debt, or credit cards--start with the websites of payday loan companies. If you think you might need their services, you can see what they are all about and learn about finances at the same time.

Most sites will have a "Resources" or "Links" section, and if you click on these, you will go right to a list of educational sites on various financial subjects. Otherwise, you can always do a search for any topic that you want information on: credit, debt consolidation, credit counseling, or federal credit laws. Payday loan resources should include these laws because they are the basis for consumer rights and protection.

Payday Loan Resources and Federal Laws

Governmental agencies are always a good place to find information and assistance. If you are interested in grant money to working families, or other financial assistance, contact the Department of Human Services in your state. Even your local school district has people who can refer you to the proper agencies, so reach out to the group that is easiest for you to approach.

Take a look at the federal laws that apply to credit and debt collection because you should know what your rights are. Some important payday loan resources include the Fair Credit Reporting Act, which lays out the disclosures that creditors and credit reporting companies must make to consumers. The Fair Credit Billing Act specifies the steps to take to correct errors in bills such as credit card statements. The Fair Debt Collection Practices Act places restrictions on the practices of debt collectors. Finally, the Equal Credit Opportunity Act prohibits discrimination by creditors on the basis of race, color, religion, national origin, gender, marital status, or age.