Know the Safer Choice

Payday Loans vs. Zest Loans: Know the Safer Choice

When money’s tight, fast cash sounds like a lifeline.

But not all quick loans are created equal.

We get it — life happens. An unexpected bill, a car repair, or a week that just doesn’t stretch far enough. When you’re in a bind, payday loans can feel like a fast fix. But that quick cash often comes with strings attached — the kind that can pull you into a cycle of debt.

At [Your Credit Union Name], we believe our members deserve better. That’s why we created Zest Loans — small-dollar loans designed to help you through tough times without putting your financial future at risk.

What Is a Payday Loan?

A payday loan is a short-term loan designed to be paid back on your next payday. Sounds simple, right? But here’s where it gets tricky:

• High Interest Rates: Many payday loans carry triple-digit APRs (think 300% or more).
• Short Repayment Window: Usually just two weeks — not a lot of time to recover.
• Hidden Fees & Rollovers: Can lead to new loans to pay off old ones, racking up even more debt.

What starts as a small loan can balloon into a major financial setback.

How Payday Loans Hurt Your Finances

Payday loans don’t just come with steep costs — they often don’t check if you can actually afford them. This can lead to:

• Getting trapped in a cycle of borrowing
• Paying hundreds in fees for a loan that never seems to go away
• Overdrafting your account or missing other bills
• Stress that spills over into every part of your life

Zest Loans: A Smarter, Safer Solution

That’s why we created Zest Loans — a better option for members who need help making ends meet.

• 💛 Built by your credit union, for our members
• 📃 Transparent terms — no fine print surprises
• 💸 Fixed payments and lower interest
• 🙌 No credit check
• 🤝 Helps you build a stronger relationship with your credit union

Zest Loans are here to support you, not trap you. They’re designed with care — just like everything we do for our members.

Let’s Tackle It Together

If you’re facing a financial crunch, you’re not alone — and you don’t have to turn to payday lenders. Our team is here to help with real solutions that put your well-being first.

👉 Apply for a Zest Loan or talk to a team member today — let’s find the best option together.