# Payday Loan Times

> Independent news archive and consumer guides on the U.S. payday-loan, cash-advance,
> title-loan and installment-loan industry: state and federal regulation, lenders,
> court rulings, and consumer impact. Not a lender; not financial advice.

The site pairs a 2005–2009 news archive with current, regularly updated coverage and
evergreen explainer guides. Source attribution is provided on every news brief.

## Guides
- [Payday loans explained](https://www.paydayloantimes.com/payday-loans/): how they work, costs (APR), rules by state, risks, and alternatives.
- [Title loans explained](https://www.paydayloantimes.com/categories/title-loans/): car-title loans, costs, repossession risk, and state rules.
- [Installment loans explained](https://www.paydayloantimes.com/categories/installment-loans/): how they work, costs, add-on risks, and alternatives.
- [Cash advances explained](https://www.paydayloantimes.com/cash-advance/): payday, credit-card, and employer/earned-wage advances.
- [Glossary of payday-loan terms](https://www.paydayloantimes.com/glossary/): plain-English definitions of key terms.

## Coverage
- [Regulation news](https://www.paydayloantimes.com/categories/regulation/): federal and state rulemaking and enforcement.
- [Earned wage access](https://www.paydayloantimes.com/categories/earned-wage-access/): cash-advance apps and how regulators classify them.
- [Lenders & industry](https://www.paydayloantimes.com/categories/lenders/): lender news, lawsuits, and market moves.
- [News by U.S. state](https://www.paydayloantimes.com/categories/): state-by-state archive.

## About
- [About](https://www.paydayloantimes.com/about/): what this publication is.
- [Editorial policy](https://www.paydayloantimes.com/editorial-policy/): sourcing, accuracy, and corrections.
- [Writers](https://www.paydayloantimes.com/authors/): the editorial desk and contributors.
- [Contact](https://www.paydayloantimes.com/contact-us/): how to reach us.

## Optional
- [Full sitemap](https://www.paydayloantimes.com/sitemap.xml): every indexable page.
- [RSS feed](https://www.paydayloantimes.com/feed/): latest news.