Protect

Offers that cost more than they look.

Pay later

KicksHub

Up to $32 extra

4 payments of $45 look small, but each late payment adds $8. You could pay up to $212 for $180 sneakers.

Safer: Wait 2 weeks and pay $180 flat. RIZE can set aside $90 per check.

Payday loan

QuickCash Now · 390% APR

$30 per $200, every 2 weeks

Borrowing $200 for two weeks costs $30. That's about 390% APR. Rolling it over makes it grow fast.

Safer: Use your emergency fund ($294 saved) or ask RIZE to plan a smaller purchase.

Overdraft fee

Harbor Bank

$35 each time

Overdraft fees hit when checking dips below $0. One coffee can turn into $40.

Safer: Turn on low-balance alerts and opt out of overdraft coverage. Free to do.

We flag APR over 36%, payday loans, cash advances, pay-later late fees, overdrafts, rent-to-own and high annual fees.