• Understanding Vehicle Financing (English   |   Spanish)
    This brochure, produced by the American Financial Services Association Education Foundation (AFSAEF) and the National Automobile Dealers Association (NADA), and prepared in cooperation with the Federal Trade Commission (FTC), provides information to help consumers learn about dealership financing and evaluate their own financial situations before financing a new or used vehicle. It also addresses vehicle leasing.

  • Understanding APR (English   |   Spanish)
    What Is APR and How should it Be Used?

  • Understanding Payment Protection Insurance (English   |   Spanish)
    Payment protection insurance can be a valuable tool to help you protect your credit and your loved ones from unexpected life events. If something unfortunate were to happen, such as involuntary job loss, illness, accident, death or loss of the loan collateral, and you were not prepared financially, the result could be devastating.

  • Understanding Personal Loans (English   |   Spanish)
    This brochure will help you understand the terms of financing and issues to consider before entering into a personal loan.

  • Understanding Small Dollar Loans (English   |   Spanish)
    Understanding Small Dollar Loans compares and contrasts installment loans with payday, pawn, and car title loans. A chart summarizes the differences between these different products.

  • Understanding Your Credit Risk (English   |   Spanish)
    This brochure stresses the importance of understanding the risk to the borrower in different loan products and details several factors borrowers should consider when assessing the risk of a particular type of loan.

  • The Consumer's Almanac
    A 31-page publication that is chock-full of practical tips, charts, tables and monthly calendar pages where you can quickly and easily fill in the amounts for each category as you receive income, deposit money in saving, and incur expenses. The Consumer's Almanac will help individuals gain control of their financial situation by: organizing income, saving, living expenses, and credit obligations; meeting future needs through saving and investing; incorporating long-range goals into the budgeting process; and managing credit wisely.

  • Consumer Budget Planner Worksheet

  • Manage Your Holiday Spending Worksheet