Other options are available to most payday loan customers."Ways to get quick cash besides a payday loan" , The Columbus Dispatch, November 23, 2014 These include pawnbrokers, credit union loans with lower interest and more stringent terms which take longer to gain approval,"Breaking the cycle of payday loan 'trap'", USA Today, September 19, 2006 employee access to earned but unpaid wages,"Making Payday Flexible" , New Jersey Business, December 2011"Persuading Small Employers to Advance Wages", Bloomberg Businessweek, July 19, 2011"With Payday Loans under Scrutiny, Startup FlexWage Offers Alternatives", American Banker, June 1, 2012"Testimony of Dr. Kimberly R. Manturuk, Center for Community Capital, University of North Carolina at Chapel Hill, Before the Subcommittee on Financial Institutions and Credit for Consumers, United States House of Representatives, Hearing on 'An Examination of the Availability of Credit for Consumers,'" Page 5, September 22, 2011"Hearing entitled 'An Examination of the Availability of Credit for Consumers'" , The Committee on Financial Services, September 22, 2011"Cash from the Boss to Replace Payday Loans", Bloomberg Businessweek, October 20, 2011 credit payment plans, paycheck cash advances from employers ("advance on salary"), auto pawn loans, bank overdraft protection, cash advances from credit cards, emergency community assistance plans, small consumer loans, installment loans and direct loans from family or friends. The Pew Charitable Trusts found in 2013 their study on the ways in which users pay off payday loans that borrowers often took a payday loan to avoid one of these alternatives, only to turn to one of them to pay off the payday loan.
