{"id":373,"date":"2026-10-29T00:03:40","date_gmt":"2026-10-29T04:03:40","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=373"},"modified":"2026-10-29T00:03:40","modified_gmt":"2026-10-29T00:03:40","slug":"payday-loans-and-high-cost-borrowing-the-risks","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/","title":{"rendered":"Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"373\" class=\"elementor elementor-373\">\n\t\t\t\t<section class=\"elementor-element elementor-element-8b8f2e7 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"8b8f2e7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8b8f2e7\">\n    <div class=\"elementor-element elementor-element-a5b5cc2 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"a5b5cc2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a5b5cc2\">\n    <article class=\"elementor-element elementor-element-803a8ea e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"803a8ea\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"803a8ea\">\n    <div class=\"elementor-element elementor-element-81a166e e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"81a166e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"81a166e\">\n    <div class=\"elementor-element elementor-element-d7163da e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"d7163da\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d7163da\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"9ed0ab8\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"37e0e4d\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"fbb2ab2\">\n\tPrincipes fondamentaux de l&#039;emprunt\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-06ef1ef e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"06ef1ef\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"06ef1ef\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"148dd97\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7c1165b\">Article 8 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"8d5f599\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"0b5e032\" class=\"title-lg e-heading-base e-default-h1\">Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"1086a84\" id=\"35\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-42.webp 1600w\" alt=\"Illustration for the article: Payday Loans and High-Cost Borrowing: The Risks\"\/>\t\t<div class=\"elementor-element elementor-element-2c7468a e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"2c7468a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2c7468a\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"561ac89\">Parfois, on a des difficult\u00e9s financi\u00e8res avant la paie, et un pr\u00eat rapide semble \u00eatre la solution. Mais les moyens les plus rapides d&#039;emprunter sont aussi les plus co\u00fbteux.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"a364315\" class=\"prose-heading e-heading-base e-default-h2\">Qu&#039;est-ce qu&#039;un pr\u00eat sur salaire\u00a0?<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-a36db63 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"a36db63\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a36db63\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"7b2ab37\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"0789267\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"e0ecf46\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-91232c1 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"91232c1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"91232c1\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"5cf811a\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"f28e822\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-eb0b732 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"eb0b732\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eb0b732\">\n    <a class=\"elementor-element elementor-element-e7330de e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"e7330de\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e7330de\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"49ad3d2\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"bbe18d3\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-e886583 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"e886583\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e886583\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/how-much-can-you-safely-borrow-budgeting-and-debt-ratios\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"e847bb8\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"24a6a69\">Combien pouvez-vous emprunter sans risque\u00a0? Budget et ratios d\u2019endettement<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-7f8c26f e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"7f8c26f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7f8c26f\">\n    <div class=\"elementor-element elementor-element-8971795 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"8971795\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8971795\">\n    <div class=\"elementor-element elementor-element-a91d199 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"a91d199\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a91d199\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"b12040a\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"0d67c88\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-b035d8c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b035d8c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b035d8c\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/what-is-borrowing-the-basics-explained\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"63f4cd4\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"949cdb7\">Qu&#039;est-ce qu&#039;un emprunt\u00a0? Explications de base<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-4acd434 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"4acd434\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"4acd434\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/your-credit-score-in-canada-how-newcomers-can-build-one-from-zero\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"24696b9\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"243d50c\">Votre cote de cr\u00e9dit au Canada\u00a0: comment les nouveaux arrivants peuvent en b\u00e2tir une \u00e0 partir de z\u00e9ro<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d938a98 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d938a98\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d938a98\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/credit-cards-convenient-borrowing-that-can-get-expensive\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"65cea9f\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e4c829a\">Cartes de cr\u00e9dit\u00a0: des emprunts pratiques qui peuvent co\u00fbter cher<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-8550627 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"8550627\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8550627\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/understanding-interest-apr-fixed-vs-variable-and-compounding\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e912518\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d641823\">Comprendre les int\u00e9r\u00eats\u00a0: TAP, taux fixe vs taux variable et capitalisation<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d3b6379 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d3b6379\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d3b6379\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/student-loans-borrowing-for-education-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"cc08a10\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"97d9022\">Pr\u00eats \u00e9tudiants : emprunter pour \u00e9tudier au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-514c510 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"514c510\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"514c510\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/personal-loans-and-lines-of-credit-which-one-fits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a33779a\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c42f5f6\">Pr\u00eats personnels et lignes de cr\u00e9dit\u00a0: lequel vous convient le mieux\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-ca76d48 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"ca76d48\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ca76d48\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/mortgages-101-borrowing-to-buy-a-home-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3b7412a\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7d958eb\">Les bases des pr\u00eats hypoth\u00e9caires\u00a0: emprunter pour acheter une maison au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-c462000 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"c462000\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c462000\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/payday-loans-and-high-cost-borrowing-the-risks\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"d8ee407\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"d2267d5\">Pr\u00eats sur salaire et emprunts \u00e0 taux d&#039;int\u00e9r\u00eat \u00e9lev\u00e9s\u00a0: les risques<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-538e9ac e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"538e9ac\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"538e9ac\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/how-much-can-you-safely-borrow-budgeting-and-debt-ratios\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"506c5d4\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"fbe17e1\">Combien pouvez-vous emprunter sans risque\u00a0? Budget et ratios d\u2019endettement<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d219bef e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d219bef\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d219bef\" href=\"https:\/\/gmat40.com\/fr\/topics\/borrowing-fundamentals\/getting-help-managing-debt-trouble-and-avoiding-scams\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f6015eb\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9d942da\">Obtenir de l&#039;aide : g\u00e9rer ses probl\u00e8mes d&#039;endettement et \u00e9viter les arnaques<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"2b99725\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Borrowing Fundamentals Free with Basic Article 8 of 10 2 min read Payday Loans and High-Cost Borrowing: The [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":365,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-373","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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