High-Cost Financial Services

While there are many excellent financial products available that can help you achieve your goals, there are a few loans, lines of credit, and services to avoid because of their expensive fees and problematic terms. To help you make wise borrowing and financial service choices, this module covers:

  • Prime credit, subprime credit, and predatory lending
  • Types of subprime credit products: payday loans, finance company loans, expensive credit cards, car-title loans, and pawn shop loans
  • Types of fringe financial services: check-cashing services and rent-to own retailers
  • Recovery methods
  • Financial alternatives

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Content provided by our trusted partner  HawaiiUSA FCU & Balance, your financial literacy partners

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