SMALL DOLLAR LOANS
The Better Choice to Payday Loans
Thinking about a Payday Loan? There is a Better Choice!
Unexpected expenses can happen to anyone. Sometimes you need money quickly. Payday loans are so easy to get, but they are a trap that is hard to escape.
If a payday loan feels like your only option, or if you are already caught in a high-cost payday loan, CSL may be able to help.
With a Better Choice Loan, eligible borrowers may be able to borrow up to $1,000 to help get through a difficult moment without relying on high-cost borrowing.
Better Choice Loans offer reasonable rates and repayment terms that won’t break your monthly budget. You will also have access to a financial coach who can help you understand your options, build your credit, and take steps toward greater financial stability.
To see if you qualify, review the frequently asked questions below. Then, complete the Better Choice Loan form to take the next step.
Financial help is just a step away.
(Better Choice Loans are offered through NextStepKC, CSL’s financial opportunity partner.)
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You can borrow up to $1,000 with a Better Choice Loan. These loans help you cover unexpected expenses, when you don’t have money your budget or in savings.
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To be considered for a Better Choice Loan, you must have a minimum income of $1,000 per month and not currently be in bankruptcy.
After you submit the form below, a Financial Coach will reach out by email to walk you through the next steps. They will help review affordability, explain any additional requirements, and let you know what proof of income is needed.
Final approval is made by the lender after you complete the loan application.
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Better Choice Loans are offered through Next Step KC, CSL’s financial opportunity partner. Next Step KC works with Kansas City community partners who are committed to making safer, more affordable borrowing options available to people facing unexpected expenses.
Because of this support, Better Choice Loans cost significantly less than payday loans and many other emergency cash options.
After you complete the form below, you will receive a full breakdown of loan costs before making a decision.
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If you meet the qualifications above, fill out the Better Choice Loan form below.
A Financial Coach will contact you to review your options, explain the application process.
Your Financial Coach will help determine whether a Better Choice Loan may be a good fit before you complete the loan application with the lender.
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Better Choice Loans are not instant loans. Depending on your situation and the availability of funds, the process may take a week or more.
If you need help covering an unexpected expense, it is best to allow up to two weeks when possible.
Once you complete the form below, a Financial Coach will contact you and walk you through the next steps.
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Not everyone will qualify for a Better Choice Loan, but you do not have to figure out your next step alone.
A Financial Coach can help you review your situation, talk through your options, and look for other resources that may help.
The goal is to help you get through a tough moment today and take steps toward a brighter tomorrow.