Understand that payday loans carry interest rates reaching 400% APR or higher, making them one of the most expensive borrowing options available. Before you apply at RadCred or any lender, calculate the total repayment amount—a $500 loan could cost you $575-$650 within just two weeks. Consider this reality: maternity leave already stretches budgets thin, and adding high-interest debt creates a cycle that’s difficult to escape.
Explore your employer’s short-term disability benefits first, as many cover 50-60% of your salary during leave. Contact your HR department about …
















