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A shop window in Falls Church, Virginia, advertises payday loans.

A payday loan (also called a payday advance, salary loan, payroll loan, small dollar loan, short term, or cash advance loan) is a short-term unsecured loan, often characterized by high interest rates.

This article deals with the general concept of the term credit history.

For detailed information about the same topic in the United States, see Credit score in the United States.

New Jersey is a state in the Mid-Atlantic and Northeastern regions of the United States.

It is bordered on the north and east by the state of New York; on the east, southeast, and south by the Atlantic Ocean; on the west by the Delaware River and Pennsylvania; and on the southwest by Delaware Bay and the state of Delaware.

At, New Jersey is the fifth-smallest state based on land area, but with close to 9.3 million residents, is the 11th-most populous and the most densely populated.

New Jersey's state capital is Trenton, while the state's most populous city is Newark.

With the sole exception of Warren County, all counties in the state lie within the combined statistical areas of New York City or Philadelphia; consequently, the state's largest metropolitan area falls within Greater New York.

In finance, unsecured debt refers to any type of debt or general obligation that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.

Unsecured debts are sometimes called signature debt or personal loans.

These differ from secured debt such as a mortgage, which is backed by a piece of real estate.

Loan document issued by the Bank of Petrevene, Bulgaria, dated 1936.

In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc.

The recipient (i.e., the borrower) incurs a debt and is usually liable to pay interest on that debt until it is repaid as well as to repay the principal amount borrowed.