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http://www.pewtrusts.org/small-loans Payday loans can look like a responsible choice for borrowers who need cash but want to avoid getting into long-term debt.

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Even if you think it is impossible for Canadians to be approved for a loan without a credit check, this is not the case. In Canada, loans without credit investigations are an excellent substitute for more traditional loans from banks or other major financial institutions.

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Why No Check Loans? There are a myriad of situations where an applicant would prefer if the lender did not check their credit history. It is usually because there is a bankruptcy ruling, a loan default or some other kind of credit trouble detailed in the credit report.

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At ENPICA , we have noticed that there is some confusion among our clients regarding whether to request a Certificate of Insurance (COI) or a Declarations page (Dec page) when asked to provide proof of insurance to a third party.

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A reader writes: Since last holiday season when my office hired Cersei, she has quietly hit up almost everyone in our small office for various short-term personal loans.

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I’m curious if D.C.’s algorithm has been challenged under a disparate impact theory for recommending release more often for white people than black people – facially-similar algorithms have been challenged on such grounds in the past.