# Learn Center: Payday Loan Guides, Tools & Explainers | SB Loan

> Free explainers, repayment tools and guides on short-term lending, borrower rights and affordable alternatives. Verified by certified financial specialists for accuracy.

Источник: https://sbloan.net/learn/

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# Borrower Learning Hub

Everything required to manage small-dollar borrowing — clear guides, how-to instructions, free calculators and firsthand accounts from real customers.

## Start here — payday-loan basics

Easy-to-understand articles, created and checked by certified financial counselors.

[What Is a Payday Loan?The fundamentals: structure, fees, APR and the debt-cycle risk.](/learn/what-is-a-payday-loan/)

[Payday vs Installment vs TitleThree short-term products compared side by side on cost and risk.](/learn/payday-vs-installment-vs-title/)

## In-depth guides

In-depth articles for people currently dealing with a particular financial challenge.

[What If You Can’t RepayYour rights, extended payment plans, and how to stop a default.](/guides/what-if-you-cant-repay/)

[Already Have a Payday Loan?A step-by-step plan to break the rollover cycle for good.](/guides/already-have-a-payday-loan/)

[Borrower’s Bill of RightsTILA, TCPA, FDCPA, FCRA and MLA protections, in plain English.](/guides/borrowers-bill-of-rights/)

## Free tools

Interactive tools — no registration or loan application is needed.

[Loan Cost CalculatorSee the true dollar cost of a loan in your state.](/tools/cost-calculator/)

[Rollover Cost SimulatorWatch the fees stack up every time a loan is renewed.](/tools/rollover-simulator/)

[Affordability CheckerHonest red / yellow / green verdict: can you repay it?](/tools/affordability-checker/)

[Payday vs. AlternativesSix ways to cover a shortfall, ranked by real cost.](/tools/payday-vs-alternatives/)

[State Eligibility CheckerCheck what you can legally borrow by ZIP code.](/tools/state-eligibility-checker/)

[Scam SpotterVerify a lender’s license and flag fake-lender red flags.](/tools/scam-spotter/)

## More from SB Loan

Genuine customer stories, our own findings, and the team responsible for our materials.

[Borrower StoriesThree real-world case studies of short-term borrowing](/stories/)

[Our ExpertsMeet the counselors and journalists who review our content](/authors/)

[Research & DataOriginal analysis of payday-loan costs and borrowers](/research/)

## Guides & explainers (3)

Step-by-step money guides written by our editorial team and reviewed before publication — newest first. [All 11 guides →](/money/)

[Bank Accounts with No Overdraft Fees, and Why It MattersOverdraft fees cost Americans an average of $225 per year; switching to a no-overdraft-fee bank account eliminates this charge entirely by declining transactions…Victor Mensah · August 12, 2026](/money/bank-account-no-overdraft-fees/)

[Utility shutoff coming? Protections you may not know aboutYou have at least 10 days after a shutoff notice before disconnection in most states, and federal law protects households with infants, seniors, or medical needs…Andre Underwood · August 10, 2026](/money/utility-shutoff-protection/)

[Quick Side Income to Try Before You BorrowFour side-income options can deliver $50–$200 within 24–72 hours without a loan: gig platform shifts, local task work, selling unused assets, and plasma…Victor Mensah · August 5, 2026](/money/side-income-before-you-borrow/)