The Bison Cash USA blog
Deep dives on borrowing costs, credit scores, scams and new federal data, written in plain English and sourced from government and primary research.
Latest articles
37% of adults would not cover a $400 emergency entirely with cash or its equivalent, and car repairs were the most common surprise bill at 30% of adults.12 We break down the numbers and what you can do before the next bill arrives.
Read the articleAt $15 per $100, a two-week payday loan works out to about 391% APR. We follow one loan through eight two-week fee cycles to show how $45 fees add up to $360 while the $300 never shrinks.4
Read more →Consumers reported $15.9 billion in fraud losses to the FTC in 2025.7 Here is how fake lenders operate, and the warning signs that should make you hang up.
Read more →Soft inquiries do not affect FICO Scores, and one hard inquiry usually costs fewer than five points.8 A simple plan for shopping rates the safe way.
Read more →Federal credit unions can lend $200 to $2,000 with a 28% APR cap and an application fee of no more than $20.511 Who qualifies, how to join, and what to ask.
Read more →53.6 million Americans used BNPL in 2023, averaging 6.3 loans per lender.9 How to keep pay-in-four plans from piling up.
Read more →45 states and DC cap the rate on a $500, six-month loan, and 43 states and DC cap a $2,000, two-year loan.10 What the caps mean for you.
Read more →Numbers we are watching
The data points behind our latest articles, each linked to its source.
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Sources
Official and primary sources only. Last reviewed October 17, 2026.